BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am writing this complaint in regard to Early Warning. I was denied a bank account due to the information that's listed on the Early Warning report. There are several bank accounts listed on that report that is not mine and were created in the attempt to commit fraud against me by an ex-boyfriend. I submitted early warning a FTC report indicating which accounts were and were not mine however they stated the accounts were accurate without providing me with any information to verify their claim. Early Warning nor have the banks listed on the early warning provided any documentation to verify the accounts listed on the reports are mine. I will like Early Warning to investigate my claims thoroughly instead of just taking the bank word for it. 

If Early Warning has any documentation from any banking institution verifying the accounts listed on the report are mine, I will like that verification so I can add it to my FTC and police report and continue to fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Im not sure exactly why my account is temporarily suspended, but it has been for almost a month now Ive called every single day now and escalated it through a manager, they obviously wont tell me why and I havent done anything wrong, theres a lot in my savings about XXXX in a little in my checking maybe XXXX or XXXX that I need to pay my rent so now I owe extra on that like I said its been going on about a month And in the first email all they asked for was proof of address and a government ID so I sent them both of those along with a birth certificate along with my source of income. Then I didnt hear anything for at least three days so I called Chime again and they escalated it and I only got the same exact email about two days later and the same process because they said the format of the other one was not correct, so I waited a day and then called back and the process restart it over again and Im starting to get irritated and now this time theyre asking for more documentation other than what I had change the format of my ID and resubmitted it and now they were asking my sources of where my first deposit was, etc. which I have no idea because XXXX cant access my account and basically Ive been stuck in this loop of calling them getting it escalated getting the email sending the information getting an email saying they need more calling, etc. and this is chime bank account They also brought up the source of my original deposit being my XXXX XXXX XXXX  ) which is only {$900.00} and theyre talking about {$55000.00} or something in me to describe each transaction but Im only allowed to upload 10 images and I have to change the format on all of them, which I see is impossible, and frankly none of their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: In progress
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be reinvestigated and correct : 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 2022-02-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I would like a full credit repair for all credit bureaus. They have incorrect information on my reports and Ive tried to dispute them but get the same answers every time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from TD Bank stating an application for a credit card was submitted under my name but that they required more information for the application, however I NEVER submitted an application for a TD Bank credit card. I called the XXXX number on the letter and eventually spoke with a provider rep who demanded my full social security number in order to investigate the application. I refused to give my SS # and asked that the application be identified by my name, date of birth, address, etc. as my social security number is private. The customer rep said that unless I provided my SS #, she could not help me. I informed her that disclosing my SS # is how identity theft starts in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: OK
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX, XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$990.00}, 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 Balance : {$2100.00}. Please delete. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a credit card with Key Bank during a promotion which deposits {$150.00} into your savings account after successfully completing a balance transfer within a specified period of time, which I did. When I called on XX/XX/XXXX, I spoke with XXXX XXXX and asked why the funds were not deposited, I was told the bank had three monthly business cycles from the date of the transfer ( not the opening of the credit card ) and that the funds would be deposited in the XXXX business cycle. I forwarded her the promotional email I received which is what I used to initiate the transaction. 
I called again on XX/XX/XXXX, as the funds were not deposited into my account, again speaking with XXXX XXXX. Again, I provided the marketing code and was told the funds would be deposited within two weeks. 
I called Key Bank again on XXXX XXXX and spoke with XXXX. After researching, he indicated nothing had been previously submitted to start the process of depositing my {$150.00} into the savings account, but that the funds would be deposited on XX/XX/XXXX. He told me he would check my account and reach out. The money still has not been deposited and I have left two messages with no response from XXXX, who is my account XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received XXXX packages in the mail from TD Bank. I opened XXXX packages and inside were XXXX separate checking accounts that were opened in my name at TD Bank. This was fraud because although my name was accurate, the phone number listed on the checks was not. I never opened these accounts. I reported it to " XXXX '' in the fraud department at TD Bank and he told me to contact the FTC and the SSA. I have already frozen my credit reporting agencies. I have never had an account at TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First of, my English language is not fluent so a neighbor friend is helping me put into words what I want to say. She also helped me download recently a XXXX XXXX XXXX to monitor my credit because I have been a victim of identity theft before. And found out that there was another fraudulent account open and charges on an account that went into debt collection that I don't even have any knowledge of till 3rd quarter of this year XXXX. Called the debt collector company to inquire and dispute this account and they said the account in question was opened on XX/XX/XXXX with my name and social security but the address was of an old address where I used to live. I am currently living in a new area for about 4 years now since XXXX so that could not have been me opening that account and racking up whatever amounts it was stated it went up to without paying. I only have one credit card that i have opened and is currently still using which is a XXXX XXXX account. I disputed the collection on XXXX  and XXXX also and I just got back a response from XXXX that investigated and it was proven to be of fraud and that they are taking steps to remove this credit history collection off my XXXX XXXX XXXX. And Im still waiting on XXXX investigation to conclude. But I have called up the debt collection company ( Midland Credit Management ) and they told me I needed to write to FTC website about this and get an affidavit? which transferred me to this cfpb website and this is where i am at the moment. Thank you for helping me out regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got approved for a XXXX loan with Caliber Home Loans but an agent called me to deny me the loan. He said my score was too low. I said they can't deny me credit after it got approved, they are in a fiduciary obligation and anyway I was going to pay the loan in a short period of time, but he still refused to give me my loan and hung up on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Block, Inc.
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Cash App customer support refuses to issue refund for order placed that I never received. I have provided proper documentation showing the order I placed for delivery from XXXX was cancelled by the merchant and informed them the merchant refuses to give me a refund. Despite this information they have denied my claim 3 times and when I spoke with customer service for the XXXX time they told me to submit a dispute again and refused to give another method for insuring I would receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BBT Bank made me a {$200.00} reward offer If I opened a new checking account which I did on XX/XX/XXXX and met certain requirements including 2 direct deposits within 60 days of opening. I met all the requirements as stipulated in the offer. Under terms of the offer, the {$200.00} reward would be applied by XX/XX/XXXX. Even after several invalid excuses, they have failed to keep their promise

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 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capital One is running credit checks without my authorization. I do NOT have an account with them and have never had an account with them. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX times XXXX XX/XX/XXXX. Attempts have been made to stop these credit checks but Capital One has not ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX believe that these accounts have been inaccurately reported to the credit bureaus, and I am requesting that they be removed from my credit report. 

According to the Fair Credit Reporting Act, credit reporting agencies must investigate disputed items on a credit report within 30 days of receiving a dispute. I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate or incomplete. 

I would also like to request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to deposit a XXXX dollar check from XXXX with my mobile app. I did this twice and was told each time that I exceeded my deposit limit for the day. I finally drove to the bank and I deposited the check into the atm machine. After my deposit my account was positive XXXX dollars. At XXXX XXXX I checked my balance again to find the screen shot below. When I called the bank 3 times no one there could tell me what was happening??? This is thievery as far as Im concerned! I want this bank to credit my XXXX dollars immediately and I do not want to sustain any fees? This is an outrage and it should be illegal!

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 2023-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I received a check from the Equifax Breach Settlement Fund without my knowledge about my involvement in the breach. Credit reports showed multiple negative reports by unknown agencies/individuals. All three credit bureaus ( XXXX, Equifax, and XXXX ) failed to contact me and/or obtain my consent, verify information, and investigate their records. On XX/XX/XXXX, a report was filed with IdentityTheft.gov for fraudulent reports but no action has been taken from the bureaus. A freeze was obtained for a few months. However, the lack of security from which the bureaus are obligated to protect has caused in loss of financial stability.

Company response to consumer: Closed with explanation