BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been dealing with US Bank fraud department for almost 60 days. I had a checking account fraudulently opened in XX/XX/2023. I have sent US Bank fraud department the documents with the police report number the name of the detective and his contact information. We are trying to get record copies on when the application was processed. My laptop was stolen during the time the application was done. I am trying to file charges against the person who had my laptop. I have received a letter from US Bank acknowledging the face that it was fraud. I have spoken several times with a manager of fraud XXXX was name given on XX/XX/2023. She explained that the detective would need to send an email to XXXX He has followed up with this and now the bank is stating that they need to get a warrant. Per the CFPB there is another option for myself to send an affidavit allowing the police department to get my records in order for us to prosecute. I contact fraud again Saturday and the gentleman tells me they do not have this type of form. He is actually trying to get me the information on when the application date and time was but once again I have to call them back. It takes forever to get to speak with anyone much less be transferred to several different people before actually getting the fraud department. I need help so that I can get the information to the detective that is working my case for the checking account that was opened without my consent. I get the run around when speaking with fraud. Please help me get the information needed.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my consumer rights Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

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 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was offered to purchase a machine used as a demonstrator at an attractive price, but the company wanted me to use XXXX, where I did not have an account. I started setting up the account, but before my identity was verified as required by XXXX laundering laws and XXXX XXXX, the machine had been sold to someone else. In compliance with its policy, XXXX cancelled the transaction, including any fee it may have obtained, since it had not met XXXX 's policy. My XXXX  account has since been completely closed. Capital One apparently sent money to XXXX, but, since the transaction was cancelled, reversed the charge to my credit card. Later, Capital One recharged my card even though the legal requirements to set up the XXXX account were never completed ( i.e. it was started, but not verified ), XXXX cancelled the transaction, the machine was never sent to me, and I no longer have an account with XXXX. I do not know what XXXX will do with money sent for a cancelled transaction to a closed account, but they should refuse it ; I also do not know what Capital One will do with money they send in violation of XXXX/anti-money trafficking laws and the policy of the recipient, but suspect if they so blatantly violate the law, they will steal the money. Due to a medical event, I have cognitive difficulty and Capital One has ignored my request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: ALLY FINANCIAL INC.
State: MI
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:
I deposited a check issued from XXXX XXXX XXXX  XXXX Ally Bank. The check was declined stating not enough funds in the issuing account. Ally Bank states XXXX XXXX XXXX  needs to fix it. XXXX XXXX XXXX  states they payed out the check. Neither of them will fix it.

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 2021-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent Experian a 2nd letter disputing the legitimacy of the bankruptcy they are reporting on my credit report. They eventually responded back on XX/XX/2021 saying that they verified the bankruptcy through a 3rd party credit agency named XXXX. Shocked by this admission, I went directly to XXXX to dispute this bankruptcy in question and XXXX could not verify this item at all and therefore deleted from the record on XX/XX/2021. On XX/XX/2021 I actually went back to Experian with a another disputed letter showing them the XXXX report of the bankruptcy being deleted and informed them that if they could not verify where this bankruptcy came from then according to the FCRA they must delete it. Unfortunately they came back with the same letter on XX/XX/2021 saying that the bankruptcy was still verified from XXXX. This inaccurate and unverified item still being reported on my Experian report is causing me problems when I'm trying to get a mortgage. This item needs to be removed and deleted from my credit report since they can not verify it. 

Experian is still falsifying that they investigated this alleged bankruptcy. On XX/XX/XXXX they sent me a generic letter stating that they done a thorough investigation with XXXX saying that it came back verified EVEN THOUGH I GAVE THEM THE XXXX LETTER STATING THAT THERE IS NO BANKRUPTCY REPORT. So in other words this is a blatant lie since there is no bankruptcy showing on my XXXX report. This needs to be escalated to a human supervisor at Experian since these repeated generic letters coming from them is showing proof that NO INVESTIGATION was actually done which is clearly a violation according to the FCRA.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( 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 XXXXUS DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( 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 XXXXUS DEPT OF ED/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. section 2 : it also states that a consumer report agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer 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 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 explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was going through my credit file & realized that theres a security freeze on my credit file.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX and TransUnion 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 Balance - ; XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; If XXXX and TransUnion feel there is a possibility these accounts 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 account 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 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 2023-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXXXXXX XXXX XXXXXXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: IA
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:
I have previously disputed XXXX XXXX XXXX credit card with a {$0.00} balance. 
Account is factually stating incorrectly Account is paid off yet stating as payment status of collection charge off. Both XXXX and Experian are reporting account paid off with {$0.00} balance with a payment status of charge off. Previously, XXXX reported perfect payments OK as agreed on payment history. after dispute, XXXX removed, partial ok as agree from payment history and replaced it with consecutive charge off. delete last payment with XXXX reports at XX/XX/2016 where payment history is reporting date last payment as XX/XX/XXXX. There is no way that account can be paid off and yet you continue to report the payment status as collection charge off and to delete payment history and replacing with charge off.

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 2022-10-06
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Back in XXXX I received a check from an employer. I thought it would be a good idea to open a bank locally so I opened an account with Truist bank and decided to cash my payroll check with them. I opened an account with the XXXXXXXX XXXX XXXXXXXX XXXX location. When cashing the check they deemed the check as fraudulent even though the check was not fraudulent by any means. They closed the account and blocked me from having any access to this account. Due to the fact that this occurred the employer sent my last paycheck via XXXX to ensure that something like that wouldnt happen again. From what i understood this cash was voided out and not deposited in my account. I was wrong. I received a statement from Truist bank that the funds had in fact been deposited into the account. I spoke with the employer who issued the check and he confirmed that the funds were withdrawn from his account in XXXXI spoke with the customer service representative over the phone and they advised me that I would have to speak with the banker. So I spoke with the banker his name was XXXX and he advised me that he would work on finding a solution to the issue. Ive called back frequently and every single time Ive spoken to XXXX he has been very rude and is not taking the issue seriously. It has been over a month and I have still not received a resolution. My now XXXX dollar balance is down to XXXX dollars because every single month I am being charged a XXXX dollar maintenance fee on an account I no longer have access to and funds I have never had access to. I refuse to pay fees on an account I have not had access to. The full XXXX needs to be sent back to the employer or I need to have access to the funds so that I can send the money back to the employer.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX .... Balance : XXXX ; XXXXXXXX XXXXXXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$550.00} ; XXXX XXXX XXXX .... Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX of 2022 I got a starter loan from XXXX XXXX XXXX XXXX all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
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: 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 2022-10-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Synchrony Amazon Card I think that you can use it other places but I don't know because I think I used it once XXXX years ago and paid it immediately. I moved 11 months ago and have been getting emails and texts and calls of them telling me I owe and I called and said i did not use it and cancelled card I did this 4 or more times in the last year. Then I thought I got it cancelled and they " took care of the fraudulent charges '' and I got an email stating that I requested a new card and now I am getting new texts charges and I told them I did NOT request a new card they obviously never took care of the old problems because the charges were around {$50.00} that were not mine and now they have {$300.00} in charges. I have spoken to anyone and everyone at synchrony ( they are in another country the call center and you have to wait at least 30 minutes to speak to a rep ) which I had done NUMEROUS TIMES!!!! I have also reported this to Amazon, but while they were very nice they said the credit cards like Synchrony, XXXX or whatever with the Amazon name has nothing to do with them. I am at my wits end this is FRAUD and it's going on my credit report and I do not want anything to do with this company they need to make sure there are NO cards with my name on it and they need to take care of these fraudulent charges. Thank you for any and all help

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