BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I had opened a XXXX XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments before the merchant chose to close the account in XX/XX/XXXX. I paid the account in full the following month. The information reporting on the account is all incorrect. The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my credit report. My line of credit was {$800.00}, not {$600.00} as stated on my credit report. This account is almost 10 years old and has been closed and paid in full for over 7 years. I need this account removed from all 3 of my credit reports immediately as it is affecting my ability to obtain new credit. I have addressed this with XXXX XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Referencing the above CFPB case numbers, this is proof that Rooms to Go/Synchrony is still attempting to collect a debt from my wife that was never hers, in an amount that she never agreed to. The company closed the account twice, and re-opened it once. Then at the same time, sold it to a collection agency in her name. I have attempted to settle this with Rooms to Go and have had nothing but issues over the past few months. I am attaching a copy of the collection notice sent from XXXX on behalf of Rooms to Go.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I had opened a XXXX XXXX XXXXXXXX credit card in XX/XX/XXXX and I had missed two payments before the merchant chose to close the account in XX/XX/XXXX. I paid the account in full the following month. The information reporting on the account is all incorrect. The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my credit report. My line of credit was {$800.00}, not {$600.00} as stated on my credit report. This account is almost 10 years old and has been closed and paid in full for over 7 years. I need this account removed from all 3 of my credit reports immediately as it is affecting my ability to obtain new credit. I have addressed this with XXXX XXXX XXXXXXXX and all 3 credit bureaus and no one has resolved this issue for 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This report replaces XXXX. 
In XX/XX/XXXX I made 3 transfers of my savings from XXXX to my Bank Of America account. Deposits are successfully in my account. From this date my account was blocked. I have called Bank Of America 's Customer Service, Claims and Fraud departments on a monthly basis. On all occasions, despite being validated with bank details, passport number, email, etc., they tell me that they have not been able to access the account, so I should call 72 hours later. 
In some cases, the Fraud department has told me that I have to go to a bank branch. I am XXXX  and I live in XXXX, I need a XXXX, my current XXXX  has expired and my appointment to renew my XXXX  at the US embassy in XXXX is in XXXX. I have explained all this to the people who assist me, indicating that I can carry out other procedures. such as a notarized letter validated at the consulate in XXXX, or a power of attorney to my wife that if she has a XXXX  to go to the USA, I can send the documents that corroborate the source of funds or bank statements from XXXX. I have never received any offer. I call monthly since XXXX without any answer or solution. I can not access my bank account by any means. Today, after talking for 2 hours with the Fraud Department, they recommended that I close the account, they transferred me to the Customer Service Department, who told me that they can not close the account because they do not have access either. Finally I asked them for a number of complaints or quality of service, and they told me that the bank does not have anyone to call after 72 hours to try again ( like every month ). I need a solution to my case. Since I have my money withheld.

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 2022-07-29
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Team - I want to highlight and escalate an issue I am not receiving any help on. 

Bank involved - Chase Credit agency - XXXX XXXX XX/XX/2022- I applied for a XXXX XXXX Chase Credit Card. And there was a HARD INQUIRY on my credit report XXXX XX/XX/2022- I receive a letter to call Chase as they need some information to continue the review. 

XXXX XX/XX/2022- I called Chase ( phone no - XXXX ) and I was told that they just need to reconfirm some details which will NOT lead to a 2nd credit pull. I re-stated that if they need to re-apply/ re-pull my credit file - I DONOT want the card. this was all on a recorded line. 

UNFORTUNATELY- the team initiated a 2nd credit inquiry on my file while i was on the call.

THis is a gross misrepresentation and error on part of the bank- which will impact my credit score and my finances. 



I called XXXX and they say I have to speak with the bank Chase tells me they cant do anything. 

COuld you please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: TX
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 tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax inquiries : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CITIBANK, N.A.
State: MO
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:
An unauthorized charge in the amount of {$550.00} was posted to our account on XX/XX/2022. This fraud was noted on XX/XX/2022, and LLBean Mastercard was immediately notified. A new credit card number was issued at that time and we were told an investigation would be performed and completed within 30-90 days. 

A letter from the XXXX XXXX was received XX/XX/2022, acknowledging the dispute of the unauthorized charge and that we would be notified in writing of the investigation results. 

XX/XX/2022, the charge was temporarily removed from our account. 

A letter from LL Bean was received on XX/XX/2022, regarding the adjusted minimum payment due. 

XX/XX/2022, we noted that the unauthorized amount of {$550.00} had been re-billed to our account Con XXXX XXXX. We called LL Bean Mastercard and was transferred to the XXXX XXXX. XXXX informed us that a letter had been mailed out on XXXX XXXX, explaining the investigation results. We told XXXX that we were still disputing this fraudulent charge. XXXX said she w. ould return the matter back to Investigations. 

XX/XX/2022, we sent a certified letter to Citi Resolve explaining our position on the unauthorized charge. We requested copies of their investigation documents they made their determination that we were liable for the unauthorized charge. We had not yet received the letter they supposedly mailed on XX/XX/2022. 

XX/XX/2022, we called the XXXX XXXX to inform them we still had not received the XX/XX/2022, letter. XXXX said they would reopen the case and if we had not received a letter by XX/XX/2022, to call back. 

XX/XX/2022, we received a letter from XXXX XXXX through the LL Bean Mastercard message board. The letter was dated XX/XX/2022. The letter explained their position and that the investigation was complete. 

XX/XX/2022, a packet was received in the mail containing a letter dated XX/XX/2022, and the merchants Compelling Evidence Response document. The packet was postage stamped XX/XX/2022. The merchant is XXXX and they provided to LL Bean Mastercard an email and telephone number that is not ours. We will be responding to LL Bean regarding these inconsistencies of data. However, their investigation Unit has not been reliable in communication nor their investigation of this matter.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove it. Thank 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-09-26
Company: Upgrade, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The middle of XX/XX/2022 I contacted a company to start a home business of my own and talked to XXXX. In trying to get me funding against my wishes she contacted Upgrade, Inc, after putting me on hold. When she brought me back on the line she told me they had funded me for the {$11000.00}. I believe that was my first knowledge of the amount. It all happened so fast that I do not remember talking with the company representative or finding out what the payments were going to be or anything else. Later I would find out from reviews the company was not a reputable company and I closed my account with them. I think the computer signature to sign for my computer classes was used to sign the contract for the loan. So, now I'm in debt with Upgrade, Inc not getting what I had paid for and the company the money went to would only return {$2000.00}. Now I apparently need to pay back the rest but I did not get anything in return. Also, unbeknownst to me my payments to Upgrade are over {$400.00} a month. They did agree to 3-month lower payments for hardship reasons but now my payments are over {$500.00}. All I have is my Social Security and am unable to pay for something I did not agree to and did not get anything for. Unfortunately, when XXXX found I was closing my account they went into my email account with them and wiped out everything that had their information on it. I could come up with a way to recover this information if needed I believe. Otherwise, I have nothing left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
The account listed below contains several errors and missing information, according to the FCRA Section 15 USC 1681 and 624 ( a ) ( 1 ) ( A ). This account is still not reporting 100 % accurate and contains the following errors : 1. Account shows several missing months of payment history 2. Account shows multiple charge offs and missing information. 3. Account shows in bankruptcy, how can a charge off and a bankruptcy be on the same account? 4. Account shows a balance of {$1000.00}, but shows no credit limit. EQUIFAX CONTINUES TO REPORT THESE ERRORS ON MY CREDIT FILE IN ATTEMPT TO MANIPULATE MY CREDIT SCORE. Now is not the time to update this account, it must be deleted from my credit report, as required under the FCRA. Account Name : XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have 2 complaints I am trying to fix my credit so I can establish my credit score and according to my report I was surprised to see 2negative reports because I dont have credit and capital one says I owe XXXX I have never had a credit card thru that company the acct number XXXX from MRS BPO I dont know where that charge came from but it was not me and then XXXX has just reported that I owe XXXX I dont have and never would sign up for XXXX I have XXXX XXXX for years someone has used my identity and fraudulently signed me up for these 2 acts that are not mine the acct number for XXXX is XXXX XXXX XXXX i have never had a phone from them And I never ever used that phone number my name is XXXX XXXX XXXX XXXX XXXX please I need XXXX off my credit report these are totally false acct in my name

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2020 I began hours of letter writing and phone calls to Hyundai Motor Finance over a credit dispute. I had just turned in a vehicle that I leased with them after never missing a payment or making XXXX late. I turned in the vehicle several days ahead of the lease-end date. XXXX reported a delinquency in error and would not correct the issue. My credit score plummeted by XXXX points and I had to eventually hire an XXXX to resolve the issue, which took several months. I have just learned about the CFPB order for Hyundai Capital America to pay more than {$19.00} XXXX in fines and restitution for inaccurate and damaging credit reporting. I would like to be added to the list of affected consumers. Please let me know how I go about this.Thank 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 2022-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4000.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$0.00}

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated. 

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 non-monetary relief
Consumer complaint received 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment of {$110.00} on XX/XX/2023. Received an alert for fraudulent activity triggered by the payment. I called the fraud department to lift the hold and was told that I first needed to verify that I own the payor account. When I asked why they refused to provide the reason for the fraud hold. Even after verifying credit card and identification information for their security protocols. For context I have used the same payor account for the same card through the mobile app without changes for over 2 years. I am also legally entitled to any relevant account information. They are withholding information that I'm legally entitled to while demanding verification for a payment method I've used for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please see Theft Report. 
Note that I have mentioned this request is not made in error, it is not a misrepresentation nor did I receive any material goods as a result. 

The furnisher XXXX has refused to furnish requested information that is used in verifying these fraudulent accounts that I did not authorized. Attached are evidence that twice I have requested documents to no avail.

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 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the Covid19 pandemic, payments were suspended. I received no income during this time and notified my lenders, asking for a payment freeze. In spite of this, they still listed me late. I am appealing to have these taken off my account as they are inaccurate.

Company response to consumer: Closed with explanation