BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Summary : Equifax is blocking me from accessing my account ; when I try to go through their verification process, they ask me questions that don't apply to me. I think there is a problem in their file that has me mixed up with someone else. 

Long version : I have a credit freeze through Equifax. Today ( XX/XX/2021 ), I attempted to temporarily lift the freeze. I am unable to access my online account ; when I try to log in, I get a message asking to call their Customer Care team. When I call the listed number, I go through a long, automated phone tree process that includes identity verification. When I get to the end ( after a full 10 minutes of answering questions ), they tell me that they're unable to help me but I can fax or mail them some documents. No clear instructions on what documents or how to give context. 

I've run into this several times in the past ( at least twice in previous years ) when attempting to verify my identity. I'm able to successfully provide correct information about my current and past addresses, etc, but eventually get to a series of questions about loans. They ask me questions about auto loans, student loans, and mortgage loans that they believe I've held. None of the questions apply to me ; Ive never held any auto, student, or mortgage loans. I answer " none of the above, '' but at the end of the questions, get directed to this mail/fax situation. 

At first, I thought that maybe someone had stolen my identity and opened fraudulent loans. However, my credit score and credit reports don't include any incorrect information that I can find. In addition, I've never run into this problem with XXXX or XXXX. As best I can tell, Equifax has some kind of internal database issue where they mix up my file during the identity verification process, but not during normal credit checks. 

I can provide copies of my documents to verify my identity, but don't want to send this information out into the void without speaking to someone first to make sure I'm doing it correctly. I have never been able to talk to an actual human who works at Equifax on the phone, no matter what numbers I call or what options I select on their phone tree. This problem crops up every time I try to use Equifax, either online or via the phone, and has continued over the course of several years. 

Please help me resolve this issue! I have no idea what steps to take next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
I WAS RECENTLY ALERTED UNAUTHORIZED INQUIRIES WERE POSTED ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-02-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good day My complaint about Paypal Inc.for giving my account a violation which is not happened ( Ref ID - XXXX ). 
I need help with my Paypal account email XXXX to restored and remove the limitation because in XX/XX/XXXX XXXX XXXX utc i received email from Paypal Inc. that my account is limited that i can no longer use my account due to reason of ( sale of unapprove file sharing ) which is not true also they hold my funds making me unable to withdraw.I taking care of my account to avoid dispute or any violation of Paypal terms and condition my account is more than 5 years and maintaining good transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: IL
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
Ive tried numerous times to get the following credit report agencies to investigate this alleged bankruptcy reporting on my consumer credit report ( from XX/XX/XXXX till current date XXXX ). They have failed to respond. I have sent verification ( drivers license and social security card ) still no response given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiry on my personal credit report. I have listed the names of the company below, and the dates the inquiry was made. 


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 2021-06-23
Company: ENCORE CAPITAL GROUP 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2021-06-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Several months ago received a letter that spending amount on the account had been decreased. Was surprise but said OK. This month, received a letter dated XX/XX/21 stating the account had been closed. When I called to inquire as to why, I was quoted the letter which lists several reasons that the account could have been closed but not the specific reason. I was told that credit card companies check with the credit bureaus for all of their card holders every few months and if they believe the account holder credit isn't good enough they will cancel the account. The payments on this account has never been late because they are automatic ... and the account is paid over the minimum payment amount. 

My daughter suggested to me that perhaps the company is about to go bankrupt and are closing accounts so that the accounts can be written off. 

Due to COVID, part of my monthly salary has been reduced ( and I did have to open a medical credit card which has nothing to do this account ) ; but as I mentioned, this account has never been late. The closure of this account has reduced my credit score.

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 2021-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 my sister added as an authorized user to her Bank of America credit card. As of today, I still have not been updated on my credit report. I called Bank of America on XX/XX/XXXX and was advised by a customer service representative that Bank of America doesn't report authorized user accounts to the credit bureaus. I asked for documentation of this and was hung up on. I called the Bank of America compliant line and spoke to XXXX in the Texas office and was advised that they would be escalating my complaint. I was told that Bank of America does report authorized users to the credit bureaus. I provided my name, date of birth and social. XXXX advised that they would be expediting the reporting to the credit bureaus. To this day, nothing has been reported. I was provided with cas # XXXX. She said to allow 5 business for a letter and confirmation of investigation.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX account # XXXXXXXX  is not mine I sent a dispute in and there not blocking it per the FCRA 605b I will be sending in a XXXX XXXX police report & FTC report, would like cfpb to get transunion to dispute this I tried to dispute this again and they just close my disputes after 5 days

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 2023-04-03
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:
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 explanation
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my capital one quicksilver credit card using my capital one 360 account and it triggered a fraud lock on my account. Both accounts are on my capital one app. This has been happening for the past three years, every few months. I have called and asked them to stop doing this because restricting my card has dangerous effects. I was once stranded in the city with now way too get home because I didnt have use of my card and could request an XXXX, pull cash or purchase a XXXX  card. When I asked why this was happening, I was told that I am paying my credit card bills too fast and too often. I am sick of this stupid card and the time it wastes every time I have to call on to unrestrict it. If I could closed all the capital one accounts without it affecting my credit score, I WOULD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a bundled auto and renters insurance policy with XXXX XXXX Insurance.I paid the renters policy for a year and the auto was paid semi-annually. I relocated on XX/XX/XXXX There would be no need for a renters policy for a dwelling I no longer live in. XXXX XXXX Insurance has taken it upon themselves to auto-renew the policy. I paid them fully for my auto and renters insurance for the year of XXXX. They have been notified from XX/XX/ XXXX  of my address change.They have now sent me to Credit Collection Services for an outstanding balance of {$150.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRUIST FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I opened an online checking account at Sun Trust 's online banking website for their XXXX Debit card. I transferred {$5000.00} into this account from my XXXX XXXX account. Then went back online to get a direct deposit form for my employer and was unable to login. My Debit card arrived in the mail that day so I called to activate the card I was told that my account was frozen and that I would need to call the next day to speak to someone. I did call. I ended up speaking to someone who was not in the lower 48. Could not understand anything they were saying and was transferred to someone in the US. I was told that my account was me being investigated by your fraud department and that SunTrust was still currently looking into my account and that I would receive a letter in the mail stating the outcome of your fraud departments investigation. I then demanded to speak to someone that could help answer my questions. That person had no answers for me either. I then had to ask to speak to someone else. That person was unable to give any answers as to when my funds would be released to me. XXXX XXXX at their Tennessee office who is a supervisor of another supervisor could not provide me with answer as to why SunTrust is holding my {$5000.00}. No one at SunTrust can answer why or when? I was given another number for their Account Security and Claims team at XXXX. This is an off Shore customer service call center. No one there could tell me what was going on or when my money would be received,

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 2023-11-28
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I am dedicated to making sure that my credit report accurately reflects my financial conduct and I am aware of how important it is to keep an accurate credit history. But I'm worried that these late payments are hurting my credit and making it harder for me to take advantage of good financial chances. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
If the investigation confirms that the late payments are accurate, I kindly request your assistance in providing information on how I can work to repair my credit and improve my credit score. I am committed to taking the necessary steps to ensure my financial responsibilities are met in a timely manner. 
I appreciate you taking the time to consider this. I'm grateful for your help in getting this resolved and keeping my credit record 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 explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle lease ended, I returned the truck and all payments were finalized. After many months I received a notice that my pending balance was going to collections. XXXX XXXXk never notified me of an outstanding balance, this dropped my credit score over XXXX pts. 15 years of good credit history and XXXX credit scores ruined from lack of communication from XXXXXXXX XXXX. The balance was paid immediately after notification of the charge off and should be rectified on my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-02-01
Company: Resurgent Capital Services L.P.
State: NY
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:
I was checking my credit on the beginning of this month and I see a collection I call the original creditor to ask more information about it and to let them know that I was being victim of identity thief but they could not be able to help me because now a collection company is in charge I need proof of that show me how that account was open under my name but no one has an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt to XXXX in amount of XXXX and waypoint wont update their records after i sent then proof and update

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 2022-02-27
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX, XXXX AND EXPERIAN BROKE THE LAW PURSUANT XXXX XXXX XXXX ( XXXX ) ( XXXX ). I NEVER GAVE THESE XXXX AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO XXXX XXXX XXXX ( XXXX ) ( XXXX ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND EXPERIAN TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE XXXX TRUE MOST HIGH 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 2023-11-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the victim of identity theft. Someone opened a checking and savings account with Navy Federal Credit Union using my personal information. I reported the fraudulent account to Navy Federal Credit Union in XXXX. The accounts were frozen, but not closed. I continue to receive monthly statements for both accounts. I have attempted to speak with the Security department regarding this issue multiple times, however there is always a lengthy hold, and I have not been able to get through to them. 

I have been waiting over XXXX months to have this account closed. 

On XX/XX/2023, my advocate with XXXX XXXX XXXX faxed a copy of the Federal Trade Commission Identity Theft Fraud affidavit, the Navy Federal Credit Fraud affidavit, a copy of my drivers license, and a Limited Power of Attorney- a legal document authorizing XXXX XXXX XXXX to discuss the fraudulent account on my behalf. 


My advocate called Navy Federal Credit Union on XX/XX/2023 and was advised the legal document sent to them was not processed or accepted with no reason for denying the document. 

Per federal guidelines, Navy Federal is required to investigate and close this account within a reasonable amount of time. This has not happened. I am respectfully requesting that this account be closed due to fraud within the next 30 days, and confirmation of that closure sent to me in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief