BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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 have violated my federally protected consumer rights. 

- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

XXXX Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX : XXXX, XXXX, and XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  : XXXX and 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 2021-04-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I received a phone call from US bank fruad department informing me that my account will be closed due to fraud activity due to a XXXX XXXX XXXX bank transfer of XXXX from my daughter. I was told my account will be closed And it can take up to 90 days to close the account to receive my remaining balance funds through mail. on XX/XX/XXXX i went to my local US bank branch with my daughter and her valid ID and social security card to prove my innocence and to show them that the transfer was done by her and they told me there was nothing they could do my account could not be reopened. on XX/XX/XXXX my account was officially closed and I was told i would receive a cashiers check in the mail in 10 Business days of my remaining balance. it has now been past 10 days so I call my local US bank branch and they tell me my funds have not been released due to an ongoing investigation with my account even though my account is fully closed. its been over 3 months and I havent received any of my money back that I was wrongfully accused of stealing. This is not fair and not right I am at wits end me and my family are really counting on getting this money back! 


I attached 3 documents of my daughters XXXX XXXX XXXX bank statement showing the XXXX transfer, another document proving her identity with photocopies of her license and social security number front and back also a picture of her bank debt card that she used to make the bank transfer with.

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 2022-04-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for XXXX XXXX credit card, for dental implants. I applied initially to Synchrony bank. I was denied. I did not understand, because I have good credit, which I check all the time. I then applied through another company, and was approved right away, up to {$10000.00}. So now I am really curious why I was declined for service by this bank. 
I got the denial letter, two weeks later. The claim on the letter said I was denied because I already had an existing account. The information was not correct. I had never heard of the bank, nor were they ever on my credit report. 
After calling and investigating why I was denied, the agent on the phone, XXXX, put me on hold, came back with an unacceptable answer. He said I was denied, because a few years ago, someone applied to XXXX XXXX, with my social security number, which is still in their system. I asked them, how could someone use my social, and this info not show up on my credit report. He did not have an answer. 
As a consumer, I take pride in watching and monitoring my credit report. I am very familiar with what is on the report, because I check it all the time. I have not been denied credit in years, so, I thought I better follow through with this complaint. It does not make sense, therefore, I am asking for an investigation. I am also attaching letter of approval from the XXXX XXXX, in the amount of {$10000.00}, when I applied with them. 
Thank you in advance.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: NC
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 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 explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent letters in regards to the incorrect information that is on my credit profile. I have yet to receive a response and it has been over 60 days. I'm very unhappy that I have been ignored and I have been very patient. It has been a rough time during this pandemic and I am trying to purchase a house for my family but being that there is incorrect information on my credit report it is hindering me from doing so. It has also cost me thousands of dollars each year due to the incorrect information. Being that it has been over 60 days and I havent received a response. I demand that these accounts be deleted. I will not keep waiting and waiting. An investigation should have been done by now, now I NEED the items deleted being that they havent done their job in the appropriate amount of time. I'm very knowledgeable of my rights and if items arent deleted I will be filing for litigation due to all the stress Ive been caused due to being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I NEVER received " a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. '' Which is written in law, along with any statement from Ally Financial, so I am demanding that they remove all late payments associated with my account and issue a refund for all the late payments associated with my account. 

So update all three CRA 's to PAID ON TIME NEVER LATE Immediately. 

Account # 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 2023-01-02
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXXXX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN HAS A FRAUD LISTED ON MY CREDIT REPORT XXXX {$350.00}

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 2021-04-06
Company: EQUIFAX, INC.
State: TX
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 disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Blockchain.com, 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:
I hav

e a BlockChain Account. I wanted to move out. As soon as this intention was understood by BockChain, they have been trying everything to claim my XXXX assets and use it to their own benefit : - claiming there would be suspicious account access ( WITHOUT providing ANY proof for it, even at repeated explicit request ) - asking I would open another account with them ( because... that's what people like to do when their assets get stolen??? ) - refusing access to my own crypto access, so that I can move out - endless ( and slow ) response times, when asked them justification why they confiscated my assets and refuse to release them - I can't even see my assets in my balance anymore -... 

Today I read in XXXX, the XXXX XXXX will impose a lot more regulation on companies like BlockChain Inc ( US ), and for good reason. I found out the hard way why that is SO needed. 
I have been, for over a half month now, exposed to deeply unethical behavior and -de facto- plain robbery!! 

I have registered multiple complaints here - to warn other people for this company ( and therefore also chosen to always make them public ). 

THIS HAS TO STOP AND BLOCKCHAIN INC HAS TO BE BROUGHT TO JUSTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got a letter from kohls which States the reason for the decision to close the account has its capital one has discovered adverse past or present legal action involving an individual with the account they close the account when I called the number on the paper the guy named XXXX XXXX XXXX  is his his number he told me that the account was closed because of not having the bill paid and the history that I have on my current report says that I did pay it and he couldnt give me any information because the accounts closed and he cant see anything and he couldnt tell me where else to call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Since XX/XX/XXXX I was a victim of a scammer who lied about their identity and tricked me into sending money to them. I have since found out that I was a victim of a scammer. One scammer stole {$5900.00} or thereabouts and then I went to who I thought was the real person and the other scammer took over {$320.00} from my bank account through XXXX and convinced me to get gift cards because I stupidly believed they were who they said they were! I reported it to the police when I found out that they proceeded to steal XXXX XXXX in two separate unauthorized withdrawals by wire from my account. I contacted the Fraud department at Bank of America and the local police department in XXXX XXXX XXXX. I gave them the proof of the scam and all the contact info. NOTHING has been done on most of it to my knowledge-no information was found. The debit fraud was closed and deemed NOT fraud just this morning ( why I called for a med increase as my anxiety shot through the roof )!!!! I signed affidavits in the beginning. Now that money ( {$320.00} approx ) is back as a negative in that account at Bank of America. Regarding the XXXX XXXXXXXX from the wire fraud-I found out that the person ( XXXX XXXX XXXX XXXX XXXX XXXX has closed his account and ran off with the money. My money was taken from me through lies and deceit leaving me literally penniless and my mental health suffered dramatically! I was on suicide watch and I just had my medication increased this morning. Please help me ; for I see a world where thieves and scammers are getting away with this as my family and those I care for are suffering! I put my house on the market because it ruined me and I can't bounce back. I have also been the victim of incredible damage to my home from XXXX XXXX. Please help me.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022

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 2023-12-05
Company: EQUIFAX, INC.
State: CA
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:
Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Account name XXXX XXXX XXXX XXXX, has violated my rights 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 connot furnish an account without my written instruction.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: FL
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:
I wrote dispute letters and sent in my FTC identity report to experian because I strongly believe the accounts I disputed is subject to identity theft. I was told by one of their customer service representatives that they do not investigate disputed items. The representative informed me that all dispute letters sent in will only be verified through mailing addresses only and if it comes back with my address on it then they will do nothing and it will remain in collections for 7 years. My dispute process also took longer than 45 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have hard inquiries that are fraud this does not belong to me this one is from XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX phone number XXXX and the enclave was XX/XX/XXXX The next one is XXXX XXXX XXXX  of F I guess this is Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and the inquiry was XX/XX/XXXX The next XXXX XXXX  XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number inquiry was XX/XX/XXXX Next one is from Trans Union XXXX  report Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX phone number is XXXX was requested on XX/XX/XXXX Next is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, NY XXXX phone number XXXX requested on XX/XX/XXXX The next one is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX phone number XXXX requested on XX/XX/XXXX The next one is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX phone number XXXX inquiry what is XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX the inquiry was on 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