BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX, Experian and XXXX XXXX have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$510.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 
XXXX XXXX XXXX  : {$810.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX XXXX : {$14000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
Also, I would like to request your verification of the aforementioned accounts. If you can not prove the items information to be 100 % precise, please correct them right away.

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 2022-05-25
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:
XXXX XXXX XX/XX/1973 Last 4 SS # XXXX XXXX, Transunion, XXXX These ( 3 ) credit Breaus are reporting inaccurate information on my Credit Report I've disputed these accounts several times with no Removal off my Credit Report. 
XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( error paid ) XXXXXXXX XXXX ( Fraudulent ) XXXXXXXX XXXX XXXX ( Fraudulent ) XXXX XXXX ( Fraudulent ) XXXXXXXX XXXX XXXX XXXX ( Fraudulent ) XXXX XXXX XXXX ( Fraudulent XXXX XXXX & XXXX ( Fraudulent ) XXXX XXXX XXXX Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent )

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 2023-06-30
Company: PNC Bank N.A.
State: TX
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:
Last Saturday I had over XXXX taken from my account by various companies. I tried calling PNC when I found out but there was no one there to answer. I called Sunday, but they gave me the run around and said they couldnt file disputes on transactions that havent posted yet. So I had to wait until Tuesday when the majority of them posted and the only ones that have been returned to me are several small ones from XXXX. None of the others have been taken care of. Its almost been a week and I believe they are supposed to get that back the next business day. This has caused me to be late on rent since I dont have enough money in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: Santander Consumer USA Holdings Inc.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Santander, the servicer of a car loan I cosigned with my brother, was contacted on/around XX/XX/XXXX with a request to produce the original loan agreement for the purposes of recovering payment expenses from the primary owner and operator. Was informed that I ( who was supposed to be the cosigner at the time the loan was initiated ) was listed as the primary borrower, which draws into question the validity of this loan. Agent informed me it was sent out via mail and email. I never received the Original loan agreement. I asked them 6 more times over the course of the six months to provide the document, each time being assured that it would, and that the previous mailings had gone out. Each time I confirmed my present address and email address. As of XX/XX/XXXX my matter/account was moved to the administrative offices of Consumer Finance at Santander. Management restated that all the times I had called something had been sent via email and mail ( neither of which would fail 100 % of the time ). XX/XX/XXXX I was promised a direct email with the loan attached to it from the company email and a follow up call from the person I was speaking to in the administrative office. Neither came to fruition. Their failure to provide the requested document has caused and is causing financial harm as it is inhibiting my ability to recover funds that the loan servicer demands be paid every month. 
On XX/XX/XXXX I contacted them one last time and was told that they did not in fact have the loan documents and that nothing was ever sent out. This seems like a clear abuse of consumer rights and is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
America Express has falsely advertised ( and continue to currently falsely advertise ) that if I as a holder of two different American Express XXXX cards ( XXXX XXXX and XXXX XXXX ) will receive XXXX XXXX XXXX if I refer a friend that is approved and opens an account. 

Over 15 months ago, on XX/XX/XXXX at XXXX XXXX XXXX I logged into my American Express Account and referred my friend XXXX XXXX to get a XXXX American Express XXXX card to her email address. 

On XX/XX/XXXX at XXXX XXXX, my friend XXXX received an email from American Express from their email address XXXX to her at the email address I referred. This email specifically states that I referred her and both she and I would get XXXX miles if she applies and as approved. Furthermore, this same email also specifically states that if she decided to choose a different XXXX American Express Card from their selection, we would still both be rewarded. 

My friend completed this, and has now had her card for over 15 months since and counting. She received her original promotional bonus, yet I have yet to receive a single mile for referring her, and it is now over a 15 months later. 

I called American Express twice about this ( XX/XX/XXXX and XX/XX/XXXX ), and have never heard back. The rep I spoke with from American Express tonight, XXXX, did not even ask me the date, her name nor any other info. He just said American Express is not showing I ever referred someone. 

This was strange as the original person I reported this to two months ago on XX/XX/XXXX asked me my friends name, email address, and date so they could research and see what the plan was then and get the referral miles to me. 

To date I have received nothing for this referral. XXXX then told me to wait at least a week and call back. That is not acceptable. American Express at this point should be proactively reaching out to me in regards to their false advertising that has been on their website every day for the entire 22+ years I have had my own Am Ex Cards. 

I have a copy of the original email American Express sent to XXXX on XX/XX/XXXX, as she sent it forward to me. 

This is a gigantic scam by one of the largest credit card companies in the world, and should not be tolerated. 

At this point, I believe I should be given at least double the original mileage amount I was originally promised to make up for this disturbing attempt of American Express to not honor their agreement with me. 

I can only imagine how many thousands of other card holders they have scammed out of miles as well, as to date, this referral plan is on their website. 

I am happy to provide any of my account info, my XXXX number, as well the as original referral email American Express sent to my friend on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: KEYCORP
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XX/XX/2023 : Opened account with XXXX XXXX ( FDIC XXXX # XXXX ) XXXX XX/XX/2023 : Transferred {$8500.00} and set up an allotment for my military pension into the account. 

Sometime between XXXX XX/XX/2023 : I attempted to log in to my account and found it was locked. I contacted the customer service number provided ; the representative told me that " it is routine to lock accounts whenever a transfer is made, because it is online banking '' ( paraphrased ). This sounded questionable but I was unable to press the issue and waited the requested amount of time. 

XXXX XXXX - present : I am still unable to access my account. I have contacted customer service at least 5 times and no one is able to provide an answer on when I will be able to access my money. 

XXXX XX/XX/2023 : I received a letter stating that since I have not logged in to my account, the bank will switch me to paper statements AND CHARGE ME FOR THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: Radius Global Solutions LLC
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 information incorrect

Complaint:
I was a customer of XXXX and receiving suspicious emails around XX/XX/XXXX pertaining to activity on my account that had not occurred. In XX/XX/XXXX I received two emails simultaneously. One stating that XXXX had received my request to close my account and one that it had been closed. I called and spoke with an agent who told me my account had been closed the previous XXXX. I explained that was incorrect as I was currently using it and paying it. However, due to this, I paid my current balance and made sure it was closed and signed up with another company for security reasons. That was the end. 

This morning I received a notification that I had new collection on my credit report from radius global solutions pertaining to XXXX. I have not received a call or letter from either company in reference to any balance due. This is insane that these companies just decide you owe something out of nowhere with their backwards data and go immediately to your credit report not caring how it impacts your life.

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 2023-06-30
Company: SYNCHRONY FINANCIAL
State: PA
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2022-05-25
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I submitted complaint XXXX and it was closed and nested under other complaints about PNC. That complaint was about a separate issue. PNC is refusing to cash out my account as is my right. Just because I won't close my account doesn't mean they can keep me from withdrawal to full amount. I still have not heard from PNC about this other than they are waiting for the local branch manager to get back to them, who has also not contact me. I still expect to take out all my money and impatiently awaiting their response. It seems PNC doesn't have the money or cash to give me ..... 

The original complaint said : I am attempting to close my account with PNC. They are refusing to close my account and refusing to allow me to take my money out to the account. Most recently they told me I had to wait a week and speak with our loss prevention team and refused to place a cash order. I requested I want to cash out my account in US dollars NOT cashiers checks. The bank is refusing and hung up on me. The branch manager is not responding and the corporate officials have been unable to respond or find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX  XXXX {$680.00} XXXX  XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I had an account with XXXX everything was fine was getting direct deposit and they were helping me fix my credit. My account was restricted after I notified them that there was a check that was deposited into my account and I didnt put it there and was wondering what was going on. They told me it will be an investigation that could take up to 30 days but never got back to me and now I cant even open a bank account anywhere. I was a loyal customer I feel they should unrestrict my account because Ive done nothing wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I sent them a letter informing them of the fraudulent accounts on XX/XX/21, and by law they had 4 days to remove the items. It is now XXXX and the items are still reporting on my credit report. THAT IS AGAINST THE LAW. they are now criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.

Company response to consumer: Closed with explanation