BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
I received a postcard from USBank thanking me for applying for a checking account on XX/XX/XXXX. The applicaton number is XXXX. I didn't apply for this checking account. Also on XX/XX/XXXX a XXXX credit card application XXXX was applied for. I didn't apply for this credit card. Bothe the checking account and credit card applications were denied by US Bank. My social security number and personal information were used fraudulently. I want the hard inquiry to be removed from all my credit reports

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 2015-04-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I recently had a reoccurring transaction put my bank account in the negative by {$4.00}. I was going to attempt to deposit cash in an ATM after work to rectify this. However, by the end of the evening, XXXX transactions from the two days prior had cleared and I was charged overdraft fees for both. Now I was at negative {$74.00}. My bank then cleared the rest of my transactions by the following morning, for a total of {$280.00} in fees. I called and explained that there was funds when those previous transactions went through but my bank claims I had been negative for several days. This would not have been the case if it were n't for their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Information belongs to someone else

Complaint:
On XX/XX/2022, I recognized there were 4 accounts on my Experian credit report that showed delinquency which I had no knowledge of opening. These 4 accounts totaled a balanced of about {$120.00}. Although it was not a significant amount, since these accounts were not mine, I did not agree to pay. I filed a police report, a complaint case with the federal trade commission. Then I submitted these 2 reports along with my identity proof ( SSN card, driver license ) to Experian via postal mail and also uploaded these files online. Experian still refused to assist me and turned down my complaint, leaving these 4 accounts on my credit report to affect my credit score and reputation.

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 2019-12-12
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2015-03-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for the Paypal Extras Mastercard and was told by Sychrony bank I was approved for 300.00 on the Mastercard. What I got was a paypal account that can only be used with paypal vendors. I did n't not apply for a Paypal smart connect account but this is what I received. I did n't authorize them to run my credit for the smart account. I only authorized my credit to be ran for the mastercard account. Now I have a hard inquiry on my credit and a closed Paypal smart account which now will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , Chapter XXXX Bankruptcy Ref. XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2022-05-14
Company: Experian Information Solutions Inc.
State: VT
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:
In XXXX, a derogatory remark showed on my credit report from XXXX XXXX over an account that went to collections for {$50.00}. The account number was not mine. My account has been set to auto pay ever since it was opened and has ALWAYS had a ZERO balance. After several months of back and forth, XXXX determined the account was erroneously created by an affiliate store who was renewing my account and upgrading my phone. The balance was zeroed and the account closed. Experian refuses to remove the derogatory mark from my credit report. 

So to summarize : an account I didn't open, that wasn't mine, that I didn't get a single notice about, is hurting my credit score.

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 2020-06-20
Company: EQUIFAX, INC.
State: CA
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:
Today, XX/XX/2020 at XXXX ( pst ), I contacted Equifax XXXX and it was a bad connection, because the representative was in XXXX XXXX and she could not understand me, however, I mentioned she was around of people. Then she insisted on informing me that she was alone, and I could here laughter, different conversations. At this point I requested for her name, she provided and spelled her name XXXX. I do not know if this is truly her name, because she continually lied, in fact another woman, would begin speaking to me, that was around XXXX, meaning it was not a transfer, it is someone who was sitting beside her. Equifax is notorious for having data breaches, and I must admit, I do not understand why Equifax continues to hire non-Americans to handle Americans most secure information? The phone call lasted approximately lasted 10 minutes, because of XXXX 's refusal to disconnect the call, probably out of fear of the rating. However, eventually I did rate the call and leave a voice message stating the reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2021 I got a credit card bill from XXXXComenity for {$160.00}. 
I did not open a credit card with this company nor did I order any items. Someone apparently opened this account using my name. 

I contacted Comenity by phone on XX/XX/2021 and that some had fraudulently open an account in my name and made purchases on this account. Comenity rep stated that they will open a fraud investigation. I requested that Comenity send me a letter stating that the account has been closed, that I am not responsible for the charges to this account, and that the credit bureaus will be contacted to remove this account from my credit bureau report. 

On XX/XX/2021 I created an account on IdentityTheft.gov and submitted a fraud report. 

On XX/XX/2021 I received a letter from Comenity/XXXX ( attachment 1 ) stating that " we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. '' The XX/XX/2021 letter from Comenity does NOT state that the account has been closed. It does NOT state that I am not responsible for the charges to this account. Only references " disputed amount ''. 

Because of this I created letter ( attachment 2 ) thru IdentityTheft.gov and sent it to Comenity on XX/XX/2021 requesting again to do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information of this account from my credit files. 

In XXXX I received a letter dated XX/XX/2021 from Comenity ( attachment 3 ) stating that " we have concluded that you are not responsible for disputed balance amount on this credit card account. '' In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report, if applicable. 

This Comenity letter from XX/XX/2021 states only that " you are not responsible for the disputed balance amount.. '' It does not state that any charges on the unauthorized account has been removed. There is no mention of the account being closed. So that there is the possibility that additional charges could be made to this account. 

I contacted Comenity by phone and requested a letter stating that the account has been closed and that I am not responsible for any charges to this account. The representative refused stating that the letter dated XX/XX/2021 is sufficient and there is no action planned on their end. 

This is unacceptable to as it does not preclude future charges to this account. There is nothing in writing that states that the account has been closed and that ALL charges have been removed from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX XXXX Bank issued a new disclosure they would be dramatically increasing my rate, on a credit report rating based upon information received from equifax. Under XXXX disclosure Under Federal Law, you have the right to obtain a copy of your credit report without charge for 60 days after you received this notice ( notice date XXXX XXXX, 2016. To obtain your free report, contact Equifax. on the web : Visit equifax.com. Equifax site required signing up for their service, with the option of canceling at any time. This was done today and Equifax would not refund The {$19.00} saying I used their service. Their website did not give an option of free credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I placed a dispute with equifax earlier in the year due to there is a second social security number on my credit report and tradelines that did not belong to me. I disputed the items, the dispute returned deletion of all information that did belong to me. as of me checking my report all information that was previously deleted from my file has been placed back on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Certegy Holdings, LLC
State: SC
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:
On XX/XX/20 I wrote a check to XXXX XXXX for {$140.00}. Certegy declined my check, reference number XXXX. I called my bank, XXXX  XXXX XXXX and they could see no reason my check was declined. I can not get anyone at Certegy to talk to me and the online system gave no specific reason why it was declined. Other vendors accept my checks, XXXX being a good example. I had to ask XXXX  XXXX  XXXX for a replacement debit card which is why I am using checks instead of a debit card.

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 2015-06-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Was with cell carrier XXXX for several years and decided to upgrade to a better phone through XXXX XXXX XXXX. Was current with my monthly payment of just over XXXX per month. After changing, I received a bill from XXXX for {$320.00}. They just give me the excuse of early termination and old equipment charges. Now it shows up on my credit report. It 's a scam that other people I know had to deal with but, just paying this money seems like paying a ransom or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: GA
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: MRS BPO, LLC
State: FL
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2015-07-09
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a 3.75 % fixed rate mortgage loan to refinance our current mortgage loan with TD Bank. We qualified with our income. The home appraisal showed we had 28 % equity in our home. The loan was for a {$550000.00} and the house appraised for {$XXXX}. The rate was locked until XXXX/XXXX/2015 but when we were going to close TD Bank changed the terms to increase the interest rate and lower the loan balance. This is a classic bait and switch scam to take our {$450.00} application fees and not honor the loan we applied and qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX of the creditors listed on my credit report is XXXX ( filing number XXXX ), opened in XX/XX/1983, high credit limit of XXXX, curent balance of XXXX, as of XXXX XXXX. Shows a rev pament of {$28.00}, not pastdue, and no history of late payments. This account does not belong to me, and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : 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 explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US BKPT CT GA XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2017-01-27
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I am trying to pay my Target Credit Card which had gone into collections. I was getting a consolidation loan to begin cleaning up my record. Target Card ( Visa ) will not give me any documentation of what I actually owe. They orally have said that they will accept {$2000.00} to settle the card, but will not give me ANYTHING it writing to show this agreement has been reached. Of course, my fear is that I will pay them and they will continue to say I owe them more and more. If they are willing to put the amount in writing, I will gladly get them paid, but they will not. Please help! 
The resolution I request is simply to put in writing that if I pay them what we verbally agreed on {$2000.00}, they will accept it as payment and remove it as a lien. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 furnish an account without my written instructions

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 2015-11-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute with Equifax for incorrect information in my Credit Report Dispute Number : XXXX, they said it was still open. Please refer to XXXX. Today they closed the dispute saying the account is mine. They have failed to provide proof of ownership of the account. I have contacted XXXX XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. There is an account that does n't belong to me, and I have explained to them I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! 
Please have Equifax provide proof I opened the account in question, the purchases that were made and signed documents, otherwise if they still insist in keep the account there, I will escalate this to the FTC, my state attorney general, file a complaint with the XXXX, and will sue Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
JP Morgan Chase Bank decided to end the relationship with me and will not give me any reason as to why. They will not tell me anything at all. They are going to close my account in 10 days. They have frozen my account and will not release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit score is frozen and lowered to a misrepresented score that doesnt match history. No inquiries or no new credit accounts. All payment history represents stellar payment history for over 15 years and 1 open account with a payment history reflecting stellar for 4 years never delinquent. The two credit bureaus owned by transunion Llc are TrasUnion and XXXX these are the only 2 reflecting negative scoring. These scores were altered and its history by transunion to reflect negative scores.While they both have different scoring models somehow they show the exact same score of XXXX. The score of XXXX does NOT reflect 15 years of stellar payment history nor is it a reflection of the current account of 4 years stellar payment history.

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