BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 items in my report and found out that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which are being posted in my report. 

Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX ; XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX. XXXX, XXXX XXXX Balance : {$540.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove inaccurate items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be discarded from my file immediately : 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 explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with XXXX XXXX XXXX, a financial institution XXXX not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information XXXX be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information XXXX be disclosed or exercise the nondisclosure agreement.

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 2022-11-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2021, my maintenance man got into my office and stole a company check and forged my signature. The check was for XXXX. I went to the bank on the XXXX  morning to file a complaint with Chase and went to the police to file a report. After a few weeks Chase responded that they are not going to help me since I didnt lock my checks in the office. Fast forward a few months, I maintained a relationship with the maintenance man with advice from my lawyer in an attempt to get the funds back from him. He deposited the check into his account in XXXX XXXX  but XXXX closed his account since he did not open it up correctly. He therefore never received the funds. I confirmed this with XXXX and they told me its under investigation. Then XXXX said that Chase should contact them to resolve and if all checks out they would send the money back to chase. I re approached chase with the updated information and they added it to my file. 3 weeks later the Executive office called that they stand by their decision and will not assist me. I told them that I am not asking them to credit my account but to please reach out to XXXX to resolve the issue. They stated that they will not since I didnt lock my checks. I am very frustrated...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt was reinserted without my 5 day notice. I want it removed again from all reporting bureaus

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 2022-05-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My husband and I have been a banking member of TD bank for about 8 years. We not only have a business checking and savings account but also opened a personal checking and savings account with them. We have never had an overdraft, negative balance or any issues that were ever raised with the bank during this time. On Monday XX/XX/2022 we both received separate letters from the " demarketing '' at TD Bank notifying us that they are closing all of our accounts XXXX week of XXXX and the letter provided only a phone number that went to voicemail. No reason was cited and we initially thought the letters were some type of fraud scheme. After leaving approximately 6 voicemails to the number listed on the letter ; i called the customer service number on the back of the card and was advised to speak with a local branch manager. I reached out to a local branch manager who emailed the department because there is no direct contact with them client facing or at the branch level. My husband works in the XXXX XXXX, I, myself have a XXXX XXXX  and we are fully aware of XXXX issues that occurs nationwide; but the bank refused to explain anything other than " they reserve the right to close without issuing a reason, '' which is totally unprofessional and left us feeling a bit like criminals. We currently have a professional medical business account with them and closing our account without any dialogue and appropriate time ( less than three weeks ) is one of the worst experiences I have had with a bank. Understanding business is business we at a minimum after 8 years would appreciate an opportunity to discuss the issue they are seeing and allow us the opportunity to maintain the relationship if we can explain, rectify or even demonstrate they are wrong. After digging into TD 's reviews and practices, it appears that this happens regularly and people never hear back or are never given an opportunity to clarify if the bank is mistaken in its assumptions. We are now in a bind to open another bank account and transfer all of our normal operations over within a short time. In writing this I am hoping TD reaches out to me and affords us the opportunity to work with them in maintaining our accounts and allowing us to correct any issues. Reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I took out my first loan I was told if I pay it back in time, I will get a special rate which never happened they gave 27 % interest rate which was higher than the last loan which was 13 %. Also, the company is only putting my payment towards the interest and not the principle so my balance will never go down.

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 2022-12-03
Company: Bread Financial 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:
15 USC 1681 Section 602 I have the right to Privacy.

15 USC 1681 Section 604 It also states a consumer furnish an account without my written instructions.

15USC 1666B A creditor may not treat a payment on a credit card or open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The last payment was made on XX/XX/2022 and on XX/XX/2022 the company reported my account as be delinquent. which changed my credit scores by XXXX points this is not fair. Resulting in my XXXX  at XXXX and is XXXXXXXX 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 explanation
Consumer complaint received 2023-08-30
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX  between XXXXXXXX XXXX  at the fnbo ATM at XXXX and XXXX. I attempted to deposit all my money that I received as a graduation present. The ATM took XXXX and then jammed. It refused to give me the cash back or her bank card. Called the online number and also went through the fraud dept. They said the ATM would be over and not to worry about it. There were ATM cameras and they would have seen me depositing money. Now i received a letter stating first national found nothing wrong and are taking back XXXX. If they looked at the cameras they would see me and my mom as i was depositing money. The bank never sent a letter asking for more info. I called them tonight and provided the same info again and stated she was never provided another letter.

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 2022-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent EQUIFAX 3 letters in regards to the following accounts and have also stated the violations that they are in, EQUIFAX has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE EQUIFAX DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS.

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THESE ARE THE ACCOUNTS IN DISPUTE : 1. XXXX XXXX  XXXX XX/XX/XXXX - # XXXX 2. XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX - # XXXX 3. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 4. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX - # XXXX 6. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 7. XXXX XXXX XXXX XX/XX/XXXX - # XXXXXXXX 8. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 9. XXXX XXXX XX/XX/XXXX - # XXXX 10. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 11. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 12. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX 14. XXXX XXXX  XX/XX/XXXX - # XXXX 15. XXXX XXXX XX/XX/XXXX - # XXXX 16. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 17. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 18. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 19. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 20. XXXX XXXX  XX/XX/XXXX - # XXXX 21. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 22. XXXX XXXX XX/XX/XXXX - # XXXX 23. XXXX XXXX XX/XX/XXXX - # XXXX 24. XXXX XXXX XX/XX/XXXX - # XXXX 25. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 26. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 27. XXXX XXXX XXXX XXXX - # XXXX 28. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 29. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 30XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 31. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 32. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 33. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 34. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 35. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 36. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 37. XX/XX/XXXX - # XXXX I did not GIVE my explicit written permission to EQUIFAX to report any NON PUBLIC INFORMATION, they have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had disputed charges due to fraud on my USAA checking account I received a provisional credit and then they reversed the credits leaving my account negative {$630.00} which is extremely upsetting because how can they just let these fraudsters get away with this kind of thing and XXXX me over when this is truly a fraud case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX Account # ( has not listed ) has violated my rights XXXX. XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-09-26
Company: The CBE Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from CBE group on XX/XX/2021 claiming to have an unsettled debt, originally from XXXX XXXX. They listed the original creditor as " XXXX XXXX '' and the current creditor as " XXXX XXXX XXXX XXXX ''. I have not received any prior correspondence from any of these entities. No other details about the alleged original transaction are given. No dates, original amount allegedly owed are provided. I have never in my entire life had any service nor completed any transaction with/through XXXX XXXX XXXX This is the first time I've received any notification of this alleged debt in any capacity from a collection agency, nor have I received any notification or bill from XXXX XXXX at any point. The letter explains I must send a letter disputing the charge, but that this will only " provide me the name and address of the original creditor '' but not correct the error. 

I have mailed a letter refuting the debt to the collector on XX/XX/2021. 

I filed a letter of complaint with the Office of the Washington State Attorney General. 

When I called XXXX XXXX on XX/XX/2021 and explained I have been fraudulently charged or a victim of identity theft, they verified there was an outstanding debt tied to my social security number, then told me to contact XXXX XXXX XXXX and hung up. 

In short, XXXX XXXX appears to have allowed someone to open an account under my name because of lax security protocols, made no attempt to contact me directly so I could dispute the charge, then sold the debt to a collector ensuring I have no other avenue of recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: PA
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:
The Creditor Reported I Was 30 day late for XX/XX/2022. The mistake happened because I called in late XXXX expressing to have my payment due date changed to XX/XX/2022 and The Call representative read me my disclosures and stated Your payments will now be on the XXXX of month starting now and you dont have a payment due until XX/XX/XXXX. I replied back and said thank you and I thought he disconnected the call but XXXX now founding out the call was dropped. My due date remained XX/XX/XXXX although its note and on record that I will like for my due to be XX/XX/XXXX and the Rep confirmed it. With a XX/XX/XXXX due date I would not 30 days with my account. I request that the 30 day late payment be removed from my account immediately because they have honor the XXXX of each month as my due date. XXXX can verify that every word in this statement is true my account is also paid in full and I have not missed a payment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have not received any check for {$28000.00} from you guys as said by your letter. Please issue me the check for the exact amount as stated in your letter for my XXXX XXXX. Also my account XXXX account is still missing its closure check for {$890000.00} that was debited at close out.

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 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scheduled to receive a XXXX debit card in the mail from Bank of America and never received it. When I contacted them, they claimed that the card had already been activated and {$4300.00} was spent on the card already. I disputed the claims and told them that the claims were all fraudently. They closed the account and mailed me a new debit card. They initiated a fraud investigation but then mailed me a letter stating that they stand by their original decision and specifically state that " No posting error has occurred on your account ''. I'm not sure why they use the terminology " posting error '' when these were fraudulent charges. Unfortunately, thousands of receipients of XXXX funds have been subject to the same massive fraud scheme intercepting or stealing these accounts which are not sent out with a security chip. I have spent many, many hours on hold with Bank of America and have to call them multiple times to get through with wait times sometimes in excess of 2 hours for their fraud department.

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