BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: PayTomorrow, LLC
State: SC
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:
XX/XX/XXXX someone took a loan out with pay tomorrow in my name and borrowed money or bought merchandise.Ive contacted them in the past about this issue and I got hung up on twice, and cussed at once.I told them this isnt my account and that they need to verify people before granting them money or credit, and now I got a alert from XXXX saying this is on my credit profile.It shows on my consumer report that last payment was in XXXX of XXXX why wait two years to put this on my consumer reports? Im wanting this deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 been a victim of identity thief and there has been fraudulent accounts placed on my credit report.that i need removed i have attached all the accounts and all the reports made about this complaint

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: Experian Information Solutions 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:
I asked all of the credit companies to remove items off of my credit report and all items are still on all three credit reports affecting my life and inability to obtain jobs, houses, and much more. As of XX/XX/ they have not removed the items and are now in violation of the FCRA laws. 
15 U.S. Code 1681n - Civil liability for willful noncompliance The following accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following are inquries XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2022-12-06
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I opened an account with XXXXXXXX XXXX  and attempted to fund the XXXX XXXX account from my Truist Savings account with a transfer of {$1000.00}. The funds cleared from my Truist Savings account and after 7 days of the funds being cleared I closed the Truist Savings account. However, 5 days later ( XX/XX/2022 ) XXXXXXXX XXXX decided to reject the funds, sending them back to where they originated ( Truist Savings ). Because the account was closed, Truist automatically rejected the return and sent the funds back to XXXX XXXX. However, the funds never reached my account at XXXX. I spent several hours calling both banks, the final answer I got from each bank was that they do not have the funds, they each said that the other bank had my funds. Truist is claiming that they sent my money to XXXXXXXX XXXX, but XXXXXXXX XXXX is claiming that they never received my funds. I have spent countless hours going back and forth on the phone with both companies for over two months. Now I have been missing {$1000.00} ( all of my savings ) for over two months, and I really need my money. Neither bank has been able to help me get my funds back. I understand that there are complications when funds are returned to a closed account, but considering that everything was done electronically, it should not be this hard for the banks to figure out how to get me my money back. Both Truist and XXXXXXXX XXXX have failed me as a consumer.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2022-12-06
Company: EQUIFAX, INC.
State: MD
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 been a victim of identity thief and there has been fraudulent accounts placed on my credit report.that i need removed i have attached all the accounts and all the reports made about this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I've contacted Chase over the last year and have not received an adequate resolution. Last year I clicked on a Chase promotional offer when I opened my account. It was for a {$200.00} offer which I didn't receive when I opened my account. There was no place to put a code when I sighed up because I used the button to automatically apply the promotion. Below is a similar website I went to, in XX/XX/2019, to sign up and get the {$200.00} offer. I was offered two options like the website below and clicked on the link that had written below " Coupon code applied when you click " Open an account '' ''. There was no place to put the code and the coupon code should have been applied. I did everything that was required to get the promotional {$200.00} offer. I signed up for direct deposit and did it within the appropriate time frame. I contacted Chase numerous time over the last year ( by phone and email ). They refuse to make good on their offer. When I called, I was told this has happened to other people and Chase does make good on the promotional offers. To date, they haven't. I would appreciate your assistance in this matter so that Chase Bank make good on the {$200.00} promotional offer. That is the proper way to do business. https : //account.chase.com/consumer/banking/FM97672? sitelin k=headline & jp_cmp=rb/Retail_Brand_BMM_Chk-Bnk_SEM_IFP_Desk Tab_Standard_NA/sea/p25218732600/chase+checking & opti_ca=67 4189475 & opti_ag=33556516039 & opti_ad=469864609346 & opti_key= aud-461562237081 : kwd-27929122426 & gclid=EAIaIQobChMI2ouO8JG P7QIVivOzCh1c8Q3qEAAYASAAEgJfwfD_BwE & gclsrc=aw.ds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2018-05-12
Company: EQUIFAX, INC.
State: MO
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:
They are reporting misleading information on my credit report i have no acknowledge of these account or seen them before please remove these accounts asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Start - XXXX XXXX - I never went to college

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit hack 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. 

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 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 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 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 XXXXXXXX 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 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 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 2022-01-31
Company: CBV Collection Services Ltd.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Repeated phone calls to CBV collections was met with long wait times and hang ups. The phone number that called me has been reported as possible scam call. A check of my credit report showed that the outstanding accounts with XXXX 's has been closed. The scam company has been calling me on XX/XX/XXXX ( twice ) XX/XX/XXXX once. 2 different numbers have been blocked. They would not give me information as the account file they claim to have does not have my birthday on file and they would not verify it any other way than me giving them my birthday. I would not provide them with my birthday if they do not have it on file. 
The account they are claiming I owe them for was from XXXX. I was with XXXX 's until XXXX. All accounts with any possible outstanding debt have been closed with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: AL
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:
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. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX 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 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 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 2018-06-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payments are not being taken off of my loan. I understand there are multiple law suits against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In the XXXX  of 2021, my wife and I began receiving mail for our joint accounts at Bank of America that no longer included my wife 's name. It had been overwritten with a new unknown name that we had never seen before. 

We contacted Bank of America as soon as we realized what was going on. We became concerned that there was some sort of identity theft. When we contacted the Bank, they could not figure out what had happened. Their customer service reps advised I go to a branch, open new accounts without my wife 's identity, and transfer all of our funds there. For security, I took those steps. 

This did not address the root cause -- my wife 's identity had been overwritten in the Bank 's systems. On XX/XX/2021, we were advised to file an identity theft claim. We filed the needed paperwork and it has still not been resolved. 

While the identity theft claim has been in review, the Bank has continued to process all of our joint banking with the unknown identity -- including official government paperwork regarding a real estate purchase in 2021. We just received tax forms on XX/XX/XXXX that list the unknown identity. I called the Bank again and they are continuing to review the identity theft claim. Their agents are completely unable to take any action to freeze or pause processing of issues involving my wife 's account. 

We have seen no evidence of fraudulent transactions, tax filings, or other records associated with this activity. All problems are stemming from the Bank 's incorrect paperwork. Based on my personal expertise in cybersecurity and finance, I believe that while this could be identity theft, this is most likely indicative of a lack of proper controls at Bank of America. The underlying issue is likely a database collision -- where they merged two online accounts incorrectly. This should not be possible. In fact, Bank of America employees at the branch and at the customer service and fraud departments that have reviewed the case described it to me as something they had never seen before and that should not have been possible.

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 2023-10-24
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: AMERICAN EXPRESS COMPANY
State: NY
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 American Express account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 : states I have rights to privacy 15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and time has already passed but up until now, I havent heard any kind of response from XXXX and XXXX credit bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request regarding MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX ) with the account number XXXX. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I've already reached out to both the Bureaus and collection agency. However, they failed to do so, they are obliged to remove this item which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please investigate and remove this MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX ) from my account. This is causing my scores to drop.

Company response to consumer: Closed with monetary relief