BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2021-06-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I called Fifth Third Bank and spoke with the disputes department to file a dispute from a transaction that occurred on XX/XX/2021 from XXXX in the amount of {$25.00}. I spoke with a manager named XXXX. The {$25.00} was withdrawn from XXXX XXXX XXXX XXXX  It was an account attempted to be opened online. The account was never opened as I did not reside in their footprint service area. I called XXXX as well. They advised that a check was mailed to me on XX/XX/2021 and I did not receieve it. I also learned that there was a clerical error with the address and was sent to an address i never lived at. The Bank confirmed it was not cashed. XXXX advised for me to dispute the amount with Fifth Third, in doing so, the rep at Fifth Third said i have no dispute rights and I am out the {$25.00} until the other bank reimburses me. The other bank advised they wont issue another check. So why should i have to be out {$25.00} because no one wants to accept responsibility for the loss its caused me. I dont know why companies are allowed to just keep other peoples funds and not give them back. Its not right. Banks cant be trusted anymore these days and this is why people choose to stay unbanked for reasons such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 someone presented a fake license in my name and withdrew {$5000.00} from my personal checking account. They withdrew with a counter withdrawal slip {$2500.00} at XXXX XXXX XXXX, XXXX, LA Teller : XXXX XXXX ; Bank Manager ( XXXX XXXX ) - signing an entirely different name from mine ( true account holder ) and still successfully received cash money. They withdrew {$2500.00} again at another location on same day : XXXX XXXX XXXX, XXXX, LA. I spoke with Capital One Fraud team and both bank Managers in an attempt to secure the account and to refund money stolen and to secure the video footage associated with the felony on XX/XX/2023. I filed a police report on XX/XX/2023 and met with my local Capital One Bank Manager and a member of Fraud team ( called in to the physical meeting ) to get incite on when any of my residual funds would be accessible ( I needed money to pay bills ) and to find out if money would be refunded that was stolen. I was advised it would take another 3-5 business days before new accounts would be accessible containing my residual funds. The {$5000.00} should have never been released due to an erroneous signature noted on the withdrawal slip that didnt match name on file for account and without additional identity verification before giving away the account number to the thief. There are no real security measures at Capital One Bank!! None.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was going through a divorce in XXXX, we were contacted by an investor who offered to take over the payments and drew up contracts promising to pay off our mortgage and take it out of our name in 5 years. He stated at any time if they were late on a payment or failed to maintain the home we had the right to take our home back. Every time a late payment was made I attempted to contact the investor, the mortgage co and was threatened with a lawsuit if I ever contacted the mortgage company again. I now own a home that is in need of major repair, I attempted to get an equity loan to pay for the necessary repairs, my credit was declined due to debt to income due to the above property. This is always an issue when I apply for credit. I have tried speaking to lawyers about this issue and the story is always the same : the house is no longer mine and there is nothing I can do about it. I have the contract that we signed and he failed to comply with the terms. After we signed the contract the Title company attorney that drew up the papers was on the news for frauding homeowners and scamming people. The Mortgage company allowed them to take our credit and do a wrap-around loan of some sort. The investor turned around and sold the property to a Mr.XXXX accepted a lard down payment and did not apply it to the loan.

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 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I made a purchase through the CapitalOneXXXX shopping portal on XX/XX/2023. This purchase promoted 30 % cash back for the purchase of a XXXX XXXX XXXX XXXX XXXX Upon completing the purchase in the amount of XXXX pre-tax, or XXXX post tax, I was not given credit within the promised 90 days post purchase. I made this purchase and was given a shopping trip number of XXXX XXXX XXXX  After multiple attempts to contact CapitalOneXXXX I have received no response back from their support email that is suggested as their only method to contacting their customer service. No phone number is given for this site which is operated by Capital One, N.A.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX  on my Credit Report with Experian, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law.  Experian, XXXX, and XXXX and XXXX XXXX XXXX XXXX are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? Experian, XXXX, and XXXX  and XXXX XXXX XXXX ) have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Experian, Equifax, and Transunion and XXXX XXXX XXXX XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA youare required to. Experian, Equifax, and Transunion failure to positively verify these accountshas hurt my ability to obtain credit.

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 2022-07-25
Company: SYNCHRONY FINANCIAL
State: CA
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:
Received a call from Amazon regarding a charge of over {$1000.00} on my account. 
They tried to say that I had. Personal account as well as a business account, which I do not. They tried to tell me that customs found drugs with this order. The case number for this was XXXX. The phone number they called from XXXX. No pertinent information was given. Hung up.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
review the letter it has all the information your needed and the FTC report you requested has been place too

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 2022-07-25
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:
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORT AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

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

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 2020-02-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX  XXXX XXXX and XXXX XXXX XXXX. ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-12-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I deposited a check of XXXX. Chase bank held this amount from avaliable funds, however the check still posted on the day it was received. Chase then decided to charge insufficient funds for transactions that were made ( and did not go over the XXXX ) after XX/XX/XXXX. Even though the check shows deposited before the transactions were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received medical care from XXXX XXXX XXXX XX/XX/2018. I had XXXX insurance. They never billed me to my correct address and I never received any notice of a medical collection notice from California Business Bureau XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX for {$3000.00}. This has impacted my ability to get credit and my score by 80 points. I contacted XXXX XXXX and they took my insurance Information to bill but CBB has not been helpful in removing the remark or communicating with the medical center.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
The credit bureaus stated my account was properly investigated, but how is that possible if they're inaccuracies? The Date Last Active is inaccurate, and Date Last Reported is inaccurate. The Credit Type is inaccurate, The Account Status is inaccurate, The Payment Status is inaccurate, The Late Payment Status is inaccurate, and the Account type is inaccurate. This is grounds for removal in addition to violating my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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:
I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with equifax, XXXX, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please  be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX  XXXX XXXX XXXX 4. XXXX XXXX XXXX  XXXX 5. XXXX XXXX  6. XXXX 7. XXXX {$1900.00} Fraudulent Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In early XX/XX/XXXX, I noticed a few inquiries on my credit report that I didnt initiate. One account was opened with Genesisfs Card Services, which services XXXX XXXX. Around {$1000.00} was opened, and a {$990.00} purchase was made on XX/XX/XXXX - the company provided me the receipt but most of it along with any supporting documents were not legible. I also filed a police report with XXXX XXXX ( my hometown ) around the same time, but requests to them were not successful and they couldnt find a record of my report. In XX/XX/XXXX, Genesis sent me a letter stating the case was not found in my favor due to receipt and their ability to contact me at the listed address. Exact written reason was : Billing statements and/ or written correspondences have been sent to you at an address you confirmed as your current or previous address. Documentation supporting our investigation is enclosed ( but not readable ). Merchant provided records confirm delivery at your current or previous address. 

Please help resolve this, as I did not authorize this or request a XXXX XXXX credit card,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: LEXISNEXIS
State: LA
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 want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these fraudulent accounts, that has damage my credit record, Please note these incident for future references.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: ID Analytics, 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: Public record information inaccurate

Complaint:
I checked my credit report and noticed inaccurate information in my Public section. I have I asked XXXX XXXX how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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