BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: MA
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:
2 credit card are liste d on my credit report that I never opened or used.   XXXX   XXXX  . opened on    XXXX   XXXX   XXXX   balance {$310.00}.    XXXX   XXXX  opened   XXXX   XXXX     balance of {$12000.00}. neither of these accounts are mine.

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 2022-03-12
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
GM Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Upon return of my vehicle, a customer service rep at GM Financial informed me to wait until adjustments were made on my final bill, as the dealership that accepted my return did not make note of the correct condition of the vehicle. While waiting for these adjustments to be made, GM reported my payment as late. 

After speaking to customer service, the rep on the phone told me that GM would contact the credit reporting agencies to modify my payment history to show that my payment was not late. 

My credit report was never updated. This payment still shows late. 

This occurred XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: SUNTRUST BANKS, INC.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I used a XXXX to purchase a XXXX online. I received the voucher I purchased but was charged twice by XXXX for 2 different amounts : {$260.00} and {$290.00}. XXXX ( Suntrust ) claimed I authorized this and XXXX won't answer my inquiries. I did not receive 2 products or services. I purposely used this credit card so that if there was a dispute with XXXX, THEY would handle it for me. When I inquired about it, XXXX claimed ( case # XXXX ) that I had authorized the purchase and that was the end of it. I asked XXXX via e-mail ( the only way to contact them ) what I should have received for the 2nd charge but got no answers. I don't know which one to complain about, XXXX or XXXX. XXXX XXXX owes me a credit or XXXX owes me merchandise or a voucher for services. This is not the first problem I've had with 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 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Transunion : XXXX XXXX XXXX XX/XX/XXXX I did not authorize this.

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 2022-09-08
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a TD Bank/Target XXXX credit card on XX/XX/22 which I did not apply for. Called Target 's fraud department and informed them of the situation. They are cancelling the account which had {$550.00} of charges on it. 

They stated that the application had my correct name, address, SS # and birthdate. Incorrect information were my phone # and drivers license #.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase locked my debit card without telling me causing a hardship. I was unable to get or use my funds and was late to work due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: CA
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:
Experian consistently fails to update my credit score, constantly reports my credit score way lower than it actually is, and ignores my requests for solving of the problem. This low credit score reporting is inconsistent with the other XXXX major bureaus and my on monitoring of my credit, which impacts my ability to make any major decisions like home or car loans. I believe it is based on factors of my personally identifiable information linked to the pattern and history of false and discriminatory practices against XXXX XXXX in XXXX, especially 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 2022-09-08
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Distributions from XXXX to my XXXX at Suntrust going through transition to TRUIST, are inaccurate and do not agree with 1099r forms submitted by XXXX. Also, Suntrust merged my checking and XXXX account without my permission. They supposedly do not have records from XXXX to XXXX but I have records. 

Some of the checking disbursements can not be verified. 

Customer service does not exist. Even if someone answers a phone which is rare, they provide no assistance. There are many XXXX  complaints about the bank from BBT and Suntrust customers who merged with TRUIST. When they complete the transition by XX/XX/XXXX, the former records will not be available and it would be a travestry. 

We need assistance.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2022-09-08
Company: EQUIFAX, INC.
State: WA
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 2022-09-08
Company: WELLS FARGO & COMPANY
State: FL
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:
Wells Fargo XXXX XXXX Account # XXXX XX/XX/22 CASHED CHECK # XXXX {$3900.00} XX/XX/22 CASHED CHECK # XXXX {$2900.00} XX/XX/22 CASHED CHECK # XXXX {$2400.00} XX/XX/22 CASHED CHECK # XXXX {$3800.00} All Four Checks were Fraudulent. The signature on each was identical, and check number match old check numbers all deposited. The fraud was discovered by company XXXX during our regular reconciliation of accounts. A fraud claim was submitted to Wells Fargo XXXX and denied 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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, TransUnion has not completed the investigation. XXXX failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )...

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 2022-09-08
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: Account status incorrect

Complaint:
CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXXXXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Services  is attempting to collect a debt that they claim I owe to  XXXX . My account with  XXXX  is current and I do not owe them {$1500.00}, as  Amsher  is claiming. Amsher does n't even have a file number for this alleged debt.  Amsher  has not sent me correspondence or invoices in attempt to collect this alleged deb t. Amsher has ne ver contacted my by phone, email or mail with regard to this alleged debt. The only reason I know  about Amsher is  that I just happened to check happened to check my credit report last week and saw that they had placed this account on my credit report. They claim that it 's been since  XXXX   2017  but I have never received anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I would like to file a complaint ... Synchrony Bank has been closing my accounts one by one over the past six months ... I have spend several years building my credit score only to have Synchrony Bank ruin it all by closing most of my accounts for no reason. Every account they have closed were all in good standing with no late payments EVER. I have a 100 percent ontime payment history yet my accounts keep getting closed and it is affecting my credit score tremendously. I have done everything right with synchrony bank ... opened accounts, used them, paid them on time and yet they are still closing my accounts. I need someone to fix this and stop future closing of my accounts and possible reopen all of the accounts that they have closed. I have already spoken to several people at synchrony bank and no one seems to be able to help

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 2022-09-08
Company: Experian Information Solutions Inc.
State: IL
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:
I have disputed a bill with XXXX that appears on my credit report. 
All supporting documentation was submitted. 
In the experian dispute center, it states that the dispute is resolved, but does not show what the conclusion was. Nor does my credit report show any of my information or that the bill is disputed. 

The experian phone number only provides a voice automated menu system that will not transfer me to a live person.

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 2022-09-08
Company: EQUIFAX, INC.
State: GA
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 the following Companies listed below, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX  Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX 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 a account without my written instructions.

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16891i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 moved from my last apartment on  XXXX   XXXX ,   XXXX  . I paid the bill we received in  XXXX  but nothing after that. However, I see that {$110.00} has been sent to collections and is a negative mark on my credit report. I called in  XXXX    XXXX   to close my account so I do n't know why I was ever charged for months that I did n't live in the apartment. I have a lease to prove that I was not in the apartment for the charges ( {$110.00} in  XXXX    XXXX   ).     I contacted  XXXX   XXXX  but they refused to do anything about it unless I could provide written proof that I contacted them to shut off my account in  XXXX    XXXX  . I did this over the phone so I have no  paper trail.

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 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to try and establish several credit accounts,  one  being with  Capital One.  A fraudulent application was submitted and  Capital One  generated an inquiry with each of the  XXXX  credit bureaus  XXXX / XXXX /  XXXX   from  Capital One .  XXXX   XXXX  notified  Capital One  of the fraudulent attempt and requested the application be stopped and the inquiries be removed. As of  XXXX / XXXX /  XXXX   the inquires remain with the bureaus ;  XXXX  has attempted to dispute the inquiries as fraudulent on behalf of our client as outline in the FCRA however  Capital One  is preventing third party assistance and is still reporting the inquiry data after being notified it is fraud related, which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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