BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, XXXX  & Equifax are still reporting the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX card : XXXX - available : # XXXX XXXX card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX available : {$5200.00} XXXX XXXX card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} barclays XXXX available XXXX Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Upstart Holdings, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 states I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost money due to capital one atm I was told that it was n't found and nothing can be done for me. I should be insured. My money is just gone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought two pieces of furniture ( sofa and a Recliner ), both from " XXXX XXXX XXXX XXXX, XXXX, CA XXXX '' and both have bugs in it, I can not use both piece of furniture and they are in usable. 

I bought the sofa for {$690.00} plus tax, and Recliner for {$400.00} plus tax I used Synchrony home Store credit card to make this purchase. 

I first tried calling the store and solving the problem on XX/XX/2019, I called them at the phone number XXXX and left a message with the store clerk for the store manager " XXXX '' to give me a call back. I called him twice but to no avail. 

After that I called the Synchrony home store credit card to solve the problem. Sometimes it connects to XXXX XXXX Call center and other times in XXXX, both the times customer service agents told me that they will first contact the store and call me back with the update, but I never received call back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I looked up my score on all three major credit bureaus and found that I only have 1 month of credit history when it should be since XXXX and it only shows since XXXX I have credit statements to back my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Nationwide Recovery Systems, Ltd
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account attached has been removed many times, over the course of many years and keeps getting reposted by 2 fraudulent collection agencies, NATIONWIDE RECOVERY SYSTEMS and XXXX XXXX XXXX. This company has been reposting a false account for many years. I file a dispute and it is removed and then they repost it again. Sometimes the very next day. They're are 2 different companies that do this it seems. They take turns harassing me and hurting my credit report, especially since the covid pandemic started. they have been non stop posting to my XXXX account and probably many others because they know people are desperate to get EIDL loans and SBA is checking that reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed several complaints against Transunuion ans finally, the US Bankruptcy court wrote me a note saying that they did not validate and or do not validate Bankruptcies. Transunion is in violation of my Fair Credit Reporting rights. Please see attached and advise Teansunion that the Bankruptcy that is reporting neds to be removed under the Federal law. To add to complaint number XXXX. With all the prof that I am providing, I do not understand why this is still on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I provided the bureaus ( XXXX, Transunion, & XXXX  ) proof from the Oklahoma bankruptcy court that I havent filed bankruptcy and they dont validate that info to outside credit reporting agencies either. Instead of removing the mixed/merged information from my credit profile, they sent results saying the info was verified, but not validated, by a third party vendor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check for XXXX from a retirement fund. I had to cash out of my retirement fund early due to financial hardships. I called TD Bank on XX/XX/XXXX to find out when my money would be available and she told me it would be available the morning of XX/XX/XXXX. This morning when I checked my bank account it said there was a hold placed on the deposit. I called ( XX/XX/XXXX when they told me it would be ready ) and I was told there is a 6 day hold on my deposit because they needed to verify the funds. Why did one person say the XXXX and one person say I still have to wait 6 business days which is ALOT more than 6 days. They are now telling me that my money will not be available until XX/XX/XXXX!! I had to get that money because I desperately need it and now they are keeping it from me. I had to evacuate from my house in North Carolina due to the hurricane and now I dont even have money to get back there or buy a dehumidifier for my house that flooded. It's my money and their explanation was not enough. I want to access it now. I need my money now. They just want a hold on my account because I was overdrawn and they want to collect all their overdraft fees so I can be more in debt before I get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Complaint : XXXX & XXXX & XXXX Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is the result of identity theft that was carried out by my mother. I have discovered that she had been opening accounts in my name for nearly 20 years. Though I do not know when this started, the first fraudulent account was opened in XXXX of XXXX. The latest was opened XX/XX/XXXX. I have a special needs condition and that is how my mother was able to use my information without me knowing. Now that she has passed, I am trying to clear these fraudulent accounts from my credit report. So far accounts are being removed, but Capital One refuses to remove the 2 accounts. I have completed an ID theft affidavit that was notarized, and police report because that's what was recommended to me. I then sent this to the credit bureaus and the companies directly in XXXX of this year. Capital One claims they found no signs of fraud and they will not remove the accounts. After everything I provided them, they still refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to TD AUTO FINANCE to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ DATA INTERNATIONAL IN, ( Debt Collector ), reported me to the credit bureau on behalf of ( XXXX XXXX XXXX XXXX XXXX ) That I owed XXXX dollars. I did not break my contract, they said I owed the money in damages apartment had, and they had to fix. I called the debt collector in 2015, and stated that I did not do XXXX worth of damage, but I was willing to settle it for XXXX dollars. They refused and told me the amount would just be going up, today they say I owe XXXX dollars, I think that is not legal what they are doing, also they will not compromise with me, they want the whole XXXX for deletion on my credit file. I do not have XXXX dollars, I can only afford XXXX, which I think its a good compromise, for the original balance of XXXX ( which I did not do in damages to apartment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex girlfriend opened a checking account at XXXX XXXX XXXX. After her and I broke up I called the credit union and advised then we had broke up and I would like my name removed from the account. I also stopped direct deposit of my pay check to that account. Some time after all this, my ex over-drafted the account, and it was charged off and set for collections. It also shows on my credit file. I have called and wrote the credit union several times asking for it to be removed. They still refuse to remove the account from my files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/2019, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. 
-1 Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I have been harassed for multiple years due to a previous XXXX XXXX XXXX Credit Card account via XXXX XXXX, closed in XXXX. I have submitted multiple BBB complaints, as collections agencies stating they are working on behalf of XXXX XXXX XXXX  have harassed not only myself but many others regarding this issue. 

- XX/XX/XXXX: Paid remaining balance on card. Paperwork discarded after 7 years ( XX/XX/XXXX) - XX/XX/XXXX: Account recorded as closed ( according to recent calls ). In XXXX, I was told the account was marked as closed in XXXX. ( Since I discarded all records, I personally can not confirm this information. ) - XX/XX/XXXX : Began receiving collections calls. Settled debt due to no record of payoff. Kept record of settlement. Collection agencies harassed myself, my sister, a former college roommate, my ex-husband, and my ex-husband 's first wife. Possibly others that I do not know about. 
- XX/XX/XXXX : Harassing calls continued to myself and others mentioned previously ; complaint filed with BBB, FDIC, and CFPB ( Case number XXXX ) - XX/XX/XXXX : Harassing calls to myself began again from multiple collections agencies. 

I am currently on long-term XXXX due to XXXX. The additional stress of receiving harassing calls is impacting my mental health. I will be forced to file a lawsuit against Victoria 's Secret and XXXX XXXX if I ever receive another call regarding this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello I have been trying to get in contact with all three credit bureaus XXXX XXXX AND TRANSUNION since XX/XX/2020. This is ridiculous I am in the process of purchasing a home and in need of everything reporting on my file to be as accurate as possible and their non compliance with this issue is delaying the process. All the accounts on the attached letter it being the THIRD letter I sent to them have inaccurate information reporting including balances that are wrong. They failed to verify any of these accounts or to update anything so at this point I am distressed and this needs to be removed. I was lenient to not submit a complaint sooner but at this point this is stressing me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
For the past month and some change, Ive been going to WAR with Equifax. I had a ton of inquiries that I truly didnt authorize. I sent a verification letter ; came back verified. Called Equifax to see what all I can do to get these removed they told me I had to call the creditors to request a Letter of Deletion. I called each creditor. Theyre telling me they have no record of my name in their system and stated they cant generate a Letter of Deletion to send to Equifax. Called Equifax back and stated that Ive done what theyve told me but the creditors arent budging. Sent a letter requesting the Method of Verification and requested specific DETAILS of their investigation ; results came back verified AGAIN!!! At this point, Im livid. I started becoming more aggressive, calling back-to-back, no support ... .no nothing! I had lack of support during this tedious process. I feel violated and compromised as well as devalued as a consumer! Below are the inquires I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried to open another online bank account and this bank checked my history with XXXX XXXX with Discover bank, Discover bank is showing my Account as Overdrawn and pending closed which is not true. I need Discover bank to correct this. I have no idea why Discover bank is showing this when I always had good terms with them, this is disgusting.

Company response to consumer: Closed with explanation