BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MN
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:
XXXX off XXXX Recent changes XXXX Credit score XXXX point since XX/XX/2023 Balance Increased XXXX account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your XXXX  automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXXXXXX XXXX XXXX account balance decreased Today XXXX XXXX XXXX XXXX How does a loan increase with no missed payments. This showed up on my credit report from XXXX XXXX to equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXXXXXX XXXX XXXXXXXX XXXX Georgia ... XXXX... I have previously disputed XXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted immediately

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 2022-06-14
Company: West Realm Shires Services Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I fell victim to a multilayer scam operation. I was introduced by a friend on XXXX to XXXX XXXX XXXX/, a crypto exchange platform. This is a link to her XXXX profile : XXXX XXXX XXXX % XXXX % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I have reported to XXXX and fraud FTC website , the scammer and the website, XXXX, has not been taken down. Then in late XX/XX/XXXX, I started to transfer my money from my bank account, XXXX XXXX XXXX, via XXXX and through XXXX named XXXX XXXX and FTX US in the total amount of {$36000.00} USD. The platform is just like any other crypto exchange platform, making me think it was legit back then. Then in XX/XX/XXXX, I was trying to withdraw some money from my account, and they rejected my request. Before I can withdraw my money, they want me to pay them the fund security management fee and taxes. From there, I realized I have been scammed and they never transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Applied for a credit card with capital one. Terms and conditions were 0 percent through the XXXX XXXX. They have not upheld those terms and conditions. I 've call on several occasions. First being XXXX XXXX. They requested I mail or fax a copy of those terms to them. I opted to mail them. I waited two weeks for a response. Heard nothing. I called back on the XXXX. They kept telling me they never received my what I mailed them. They never corresponded at times they said they would. Please help me hold Them accountable. They 've wasted me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: GA
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:
XXXXXXXX XXXX XXXXXXXX XXXX Georgia ... XXXX... I have previously disputed XXXXXXXX XXXX XXXXXXXX Georgia XXXX XXXX XX/XX/2015 with the credit bureaus an their response you verified the item as accurate stating that the credit bureaus verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with the FCRA and the information on my credit report must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: PA
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:
After carefully reviewing my credit report, I have noticed inquiries that I never authorized or applied for. I have heard of companys pulling your credit without permission and I know that it is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Experian Information Solutions Inc.
State: VA
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 was alerted from Experian that a new inquiry was placed on my credit from XXXX yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.

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 2022-06-14
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I accidentally overpaid Macys American Express card through a bank transaction ( {$4300.00} ). The transaction from my bank can be found in my XXXX statement. Macy 's has received the money on the Macy 's XXXX statement. 

I found the error a few days later and asked for a payment reversal. The representative said it will be done within 14 days. Macy 's representative indicates that it has been done on XX/XX/XXXX. 
Call the phone numbers many times and the representative said it will done on XX/XX/XXXX, XXXX. 
I attached the XXXX statement to show there is no refund from Macy 's. 
Finally, I received an email ( XXXX ) indicates that it will be done 5 business days.

I have not received the refund.

Call Macy 's and the representative said it was done and nothing she can do.

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 2018-01-27
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is reporting an alleged debt that I do not know anything about. I sent validation letters certified mail and this company has yet to respond but they are continuing to report this debt on my credit report. This company is damaging my credit as well as my name.

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 2018-02-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As of XX/XX/XXXX, Had balance of {$110.00} with TD Bank. My husband had XXXX and opened account in my name over the phone without my knowledge. They added late charges and the total is now {$210.00}. In XX/XX/XXXX, I spoke to bank and told them they should not be opening accounts over the phone. They stated my name was on the account and I had to pay it. My husband XXXX XXXX in XX/XX/XXXX and I feel I am not responsible for this debt. They call me three times every day, sent me four letter demanding payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I have attempted to reach NFCU on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. NFCU is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: EQUIFAX, INC.
State: FL
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:
XXXX, equifax and XXXX  has information on my credit report that i did not gie my permission to report. i had not notified of these accounts. this information is inaccurate/not mine/fraud. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX, XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
DEPT OF EDUCATIONXXXXNOT MINE, PLEASE DELETE. 
XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE,  PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: TX
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:
After reviewing a copy of our credit report my wife and i noticed several items that were incorrect.We sent letters to the credit bureaus in XXXX2017 with a request to review our reports and investigate the items. We have received ZERO response. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: IL
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX I went online to place a travel notiice under my account in Bank of America from XXXX, sc to XXXX XXXX, TX. The application and online banking removed the option to notify of any travel notice. while I was in Texas my phone was barely receiving any services and I was house sitting a sick dog. On XX/XX/XXXX there were two suspicious transfers done through XXXX to a name " XXXX  XXXX '' for two withdrawals of {$1500.00}, final total of {$3000.00}. After these two transactions I was never notified of any suspicious transactions by text, nor email. I would go out to eat and get gas and I was still able to use my debit card as usual with no denial. On XX/XX/XXXX I attempted to sign into my online banking through my phone and it was not working, then I tried on my laptop and still was not working. After these failed attempts, I called Bank of America and was informed that my accounts were locked/frozen because of suspicious activity. I was confused because these transactions were already two weeks old. I then followed up with a freud complaint, I changed my username, passwords, and also closed my savings account and opened a new account to transfer the remainder of my funds. I was informed by the fraud help line that the dispute would take 10 days and my money would be refunded into my account. I trusted the process and waited. I continued to check and did not see any refund of my {$3000.00}. On XX/XX/XXXX I attemted to log back into my online banking and once again could not log in, i attempted on a desktop and failed again. I repeated the process and called BAnk of America and was informed once again that my account was locked/frozen. I informed them that i was confused because we already fixed this issue. they then informed me that this block occured on XX/XX/XXXX. I was yet again NOT contacted about any block or frozen matter on my account. And at this moment I asked for an update on my fraud claim and I was informed that they denied it because they saw no fraud cause. I do not understand because I was never contacted by phone, text or email about my Fraud claim updates or denial and any heads up on freezing my account. When attempting to log in I am asked to insert bank card number as well as my SSN and then I am told there is no match! it should match being that i am the owner of the account!

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 2018-02-09
Company: Account Brokers Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had to take Classes for a XXXX at {$25.00} per class. If you did not pay, you could not attend class. If you missed a class, you had to make it up and pay the {$25.00} for the missed class. They say I owe {$100.00} with Interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Approximately beginning of 2022 : Due to emergency dental need, had to open a Care Credit account thru Synchrony Bank, XXXX, FL. 

Continually made monthly payments, couldn't do a lot due to employment situation. I watched it over time and my payments were only going to the interest payment ( 25 % ). 

XXXX Called to close account and trying to speak with the lady was impossible. Not very good XXXX. All she wanted to do was speak of options and I had to stop her and slowly tell her I am closing account. 

Called my credit union to increase my visa to pay off the balance showing. That was approved and paid the balance. 

The next morning I checked the account to make sure it was done and all they did was increase the amount available and it was not paid off. 

Then : XX/XX/2022 Got a letter from this bank saying my account was closed. 

XX/XX/2022 XXXX another letter from bank saying looking into account and have patience. Due to the language barrier and wrote a letter asking them to close the account permanently and the full balance was paid. 

XX/XX/2022 XXXX another letter from bank that the money had not been credited to my account and wanted more information and issued me over {$600.00} to my account. I have closed it! 

That day I sent another letter telling them that the full balance was paid and to close the account and sent a cashiers check for {$10.00} to cover any interest for no further dispute. 

I keep getting emails from them which are irritating and just not sure why they are treating me like I still exist with them. 

Please help me find out why they think I still have an account with them. I don't need them affecting my credit. I even sent them the credit card they issued me. I need them to stop sending information.

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 2022-08-06
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied credit by Amex in XXXX, XXXX which is unlawful pursuant to XXXX XXXX XXXX To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider The Equal Credit Opportunity Act ( ECOA ) was signed into law in XXXX and prohibits lending discrimination in all aspects of a credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: TX
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2017-07-20
Company: Avant Credit Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have tried multiple times to come to a resolution with avant. Every employee at that company is quick to pass the hat, and then nothing is done. They claim they strive for customer service, absolute lie. They are crooks who take people at a high rate with no hopes of them helping or resolving your issue.

Company response to consumer: Closed with explanation