BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was victim of identity theft. Some accounts were opened, and managed without my authorization. XXXX, acct # XXXX. I have already submitted an identity theft affidavit, signed and notarized by me, as well as police report, and other supporting documentation, validating my claim. Equifax has chosen to violated section 605, as well as 611 of the FCRA, by not complying with my request. I did n't incur these charges, nor did I opened any of these accounts. I should n't have to pay for any of these. My credit is ruined due to some individual that has no remorse, and any ethics. I am now paying for this sins.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: CITIBANK, N.A.
State: CA
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 XXXX/XXXX/XXXX, I made a purchase with XXXX for {$1200.00}. this purchase included a 3-night hotel stay and 4 airline tickets for a direct flight from XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX. I paid about {$150.00} more per ticket so that I would have a 50 minute direct flight due to my sisters medical condition. No one ever notified me about the cancelled direct flight. When I arrived to the airport they told me that my flight never existed. ( So I basically paid for an imaginary flight ) Then they told me that they notified me in XXXX. And rudely said sorry and offered me to send me out of state and then back to XXXX XXXX. Mind you I paid for a direct flight that was going to take 50 minutes. I spend hours waiting, and completely ruined my vacation trip and this flight that was supposed to take 50 minutes took 7 hours. I contacted XXXX and XXXX both gave me the run around and lied about the times they supposedly notified me of the cancelation. and rudely told me they could n't help me. I felt completely hopeless and contacted my credit card company since I felt confident they could help me. I have provided them with everything and all proof I have. They have closed my investigation and told me there is nothing they can do and to contact XXXX who never wanted to help me in the first place. I have provided them with all the proof, flight that was booked, new flight tickets that they gave me because they did provide me with a flight, but they never returned the extra money I paid for a direct flight. My argument here is that I paid extra for a direct flight and I did not get a direct flight. I paid extra for a 50 minute flight due to medical conditions and this was not honored. I want the difference I paid for the direct flight. At this point I appreciate any monetary help because {$1200.00} is a lot of money and I incurred medication expense costs because of the anxiety this brought to my sister for flying for 3 hours.

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 2022-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Paid full statement balance. Still charged interest.

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 2020-03-02
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:
Good afternoon, it was brought to my attention that there are several accounts on my credit report which are not recognized by me as mine. They are listed as XXXX XXXX XXXX, XXXX  XXXX  XXXX  and XXXX XXXX, none of which I have ever done business with. I have never applied or used they're services. These accounts are fraud and someone out there is using my identity to get credit. Please 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 2018-09-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I am trying to transfer my credit card balance from American Express to XXXX for some reason American Express is not wanting the balance to be transferred. They have even been adding late fees for no reason. The first balance transfer request happened with discover on XX/XX/2018. Proof of timely payments to american express are included

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Information they are asking me to verify my account is not relevant and none of it relates to me. It keeps denying me a copy of my report saying I have failed to verify information that is not mine. Addresses and liens are not mine, as well as some charges from comcast related to the bad address. This is from equifax. The other agencies responded and removed the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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 year old daughter 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
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account that I never opened spoke with the company which is XXXX XXXX and confirmed this should not be listed on my credit file and also Equifax has inaccurate personal information, there response to my dispute states XXXX XXXX which is NOT me my name is XXXX XXXX. Please help I have disputed with no changes on anything. I can not make a financial move I need to because of the inaccurate items

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a request for investigation to Equifax over 1 year ago and have never received a response. The account is XXXX XXXX and it listed as a charge off. In the remarks block it says " Consumer disputes-reinvestigation in progress. It has said this for over 1 year. They never deleted the item or provided me with the results of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Years ago I discovered that someone was using my information to get a phone in XXXX At once I contacted both XXXX and Equifax to notify them about the problem and also forwarded the information on the XXXX department that I had contacted. XXXX fixed the problem, but I have been fighting for years to get Equifax to fix this problem and remove the problem. But as of today they are still reporting the XXXX address as mine and not as the Identity Theft that it was. I am very frustrated with Equifax for ignoring this problem and not even responding to my many communications with them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not my 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 non-monetary relief
Consumer complaint received 2017-09-27
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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this XXXX account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security 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 non-monetary relief
Consumer complaint received 2016-05-25
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
Discover Card ( Has denied Receiving Credit Card Payments so they can raise zero Percent interest Rates ) and ( Never Mails billing statements on time so they can raise zero percent interest Rates ) Discover Card has frequently forgot to mail my Statements. The Statements never were mailed. As a result they Dropped my zero Percent interest Rate and Raised it several Times.. 
The Discover Card Company also denied they Received my billing Payments so they could raise 0 % interest rate. It is unusually that all other Credit Card Companies received my Payments but Discover Card has a higher Rate of Lost Mail ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Bread Financial Holdings, Inc.
State: RI
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:
Good Afternoon, XXXX I have tried disputing these negative errors on my credit report, for not paying. I disputed with XXXX, Comenity Bank, by uploading, mailing documents of payment history. I have all of the documents of the payments made. I had set up a payment plan with Comenity Bank to have the money withdrawn from my account each month, in which they did. 
Then they closed my accounts, without my knowledge. With them not updating my credit report, It has been stressful for my health. I already have serve health condition, which has gotten worse during this stressful time of going back and fourth. 
I would like this resolved, so I dont have to go through this anymore. If I was in the wrong, I would understand, but I am not and have PROOF of all my payments. 
With them not removing the negative late payments, has caused me to have an extremely high interest rate with a car loan and car insurance. 
I started disputing these items XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and again XX/XX/XXXX. 
If someone could get back to me, keep me updated, I would appreciate it. All of my documents are attached. 

Best, XXXX XXXX XXXX XXXX XXXX, XXXX  Rhode Island XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I asked my mortgage company, PHH Mortgage, if I could make bi-weekly payments. I was told that their company no longer accepts bi-weekly payments, and that even if I sent them it would not accelerate the amortization of my mortgage -- i.e. they would still treat my bi-weekly payments as monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am requesting with this written notice that the following inaccurate XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX item be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XX/XX/2016 I received a call from Discover stating they were calling because someone was attempting to use card, I then informed them it was not us. I was under impression that they would not allow transactions to go through. Well XX/XX/XXXX I receive an outrageous bill, they allowed the transactions to go through. I filed dispute end result was that signatures match so they determined it was n't fraud. It is in fact fraud, I asked them to show me footage of security camera and that I had told them not to allow transactions because we were both at work, not out shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: PNC Bank N.A.
State: CA
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:
XXXX recently merged with PNC. I had a mortgage with XXXX, which transferred over to PNC in XXXX. PNC then created a virtual wallet account without my consent and started a monthly auto draft from this virtual wallet to pay the mortgage, which I also did not consent to. This auto draft could not be seen or managed on the PNC website. I paid my mortgage on XX/XX/2021 via ACH withdrawal from XXXX XXXX ( {$8400.00} ). Even though the payment went through just fine, PNC still withdrew the full mortgage payment amount from the PNC virtual wallet on XX/XX/2021. They then sent me an email saying that the wallet was now in overwithdrawal and demanded that I deposit over {$8000.00} within XXXX hours or get a overwithdrawal penalty - even though I did not authorize this extra payment on the mortgage. 

I called customer service, who said that they could not stop the payment. They said that I would be penalized with overwithdrawal fees if I did not deposit {$8000.00} within 24 hours. They also said that they were unable to stop future auto drafts from the virtual wallet on their end- they would have to forward the request to another department, which would take approximately 3 days to cancel FUTURE payments. They are FULLY aware that customers can not see or manage this auto draft on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX XXXX ( Monday XX/XX/2020 ) I went to XXXX XXXX XXXX XXXX  located on XXXX XXXX XXXX, XXXX, FL XXXX. 

The sales associate, XXXX XXXX, asked if I would like to get pre-approved for a XXXX XXXX  credit card through Synchrony Bank. XXXX clearly stated that this was just a pre-approval to understand how much credit I would be extended. 

I filled out the pre-approval application and turned the computer over to XXXX. She came back and notified me that I had been pre-approved for {$15000.00}. 

I told XXXX that I was not buying any furniture that day and would think about coming back. When I left the store, I had not been provided with a copy of any pre-approval documents I filled out. 

On Monday XX/XX/2020 I received a letter in the mail from Synchrony Bank. The contents were a new XXXX XXXX  credit card. 

I had never applied for a credit card ( only filled out the pre-approval ). It is my belief that the sales associate, XXXX XXXX, fraudulently submitted an application for a credit card under my name, without my permission.

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 2016-03-05
Company: DISCOVER BANK
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
Discover credit card site shows incorrect amount, instead of {$79.00}, it shows {$130.00} and it I try to make payments, it shows {$130.00}, which is incorrect Last Statement Balance {$0.00} Payments and Credits - {$120.00} Transactions + {$200.00} Current Balance = {$130.00} Next Statement Closing Date XX/XX/XXXX

Company response to consumer: Closed with explanation