BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax in XX/XX/2022 asking that they please add XXXX XXXX XXXX  XXXX XXXX XXXX for which I am an authorized user as my Equifax Credit Report was incomplete and missing the XXXX credit cards in question. Equifax, as of today, has refused to add these XXXX accounts without basing their decision of any statute, law, edict, court case, dicta, caselaw, etc. In fact, my request have been ignored as a reply has not been afforded. The FCRA permits CRA to add " authorized '' user account to profiles. In fact, both XXXX and XXXX both show these XXXX accounts in question. Of real concern is the fact that Equifax, in retaliation, has initiated, on its own, disputes with some of my creditors. Yes, you are reading correctly, I have not disputed any inaccuracies nor disputed any incorrect information shown in my Equifax Credit Report. Equifax has opened multiple disputes without my approval and without my knowledge. For example, multiple disputes have been opened by Equifax with XXXX XXXX  XXXX, on account XXXX, a legitimate account, in good standing, and for which I have no problems with. The information for his account is correct. Why did Equifax, randomly, decided to start opening disputes with this creditor without my permission? This is illegal! Equifax reference dispute # : XXXX and XXXX. My cease and desist letters have been ignored. I will file a complaint with my State Attorney General and consider taking legal action. Under what FCRA statute does Equifax opens up disputes with my creditors in a secretive manner? What legally justifies their actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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 2021-09-19
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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from 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 2018-02-24
Company: Avant Credit Corporation
State: VA
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 received alert from XXXX XXXX of an inquiry from XXXX, Avant and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: NC
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I received an email this morning from a company called XXXX and it charged my PayPal account over {$600.00}. 
I don't want to open the email again because I'm afraid that it's going to do something to hack my accounts or inflict a Virus. I called the number that I thought was PayPal and a gentleman that I could not understand immediately answered and I can understand what he was saying. And he said " XXXX '', so I said, You're not PayPal '' and he hung up on me. There's an invoice number which is XXXX, -, XXXX. And a receipt number XXXX - XXXX. The charge was for over {$600.00}. From a company called XXXX. This is not anything that I have approved or ecer purchase from. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I received a settlement check for {$12000.00} from XXXX XXXX from a cashiers check. I called XXXX XXXXXXXX and verified the check was legit and negotiable, and I could go to XXXX XXXX and get the check cashed same day. Before doing this, I called Citizens bank and a representative told me that I could cash it at Citizens which is where I bank at, and I would have no problems since it is a certified check. 

The next day I come to find out the check is going to be on a 7 day hold, which is fine. 7 days later when the hold was removed, my debit card was disabled and my online banking access was terminated. I was told by a Citizens rep that my account is under review but it is not closed and I could access my funds through a cash withdraw at a branch with my photo ID ( this was a Friday ). On the following Monday, I took time off work to head to the nearest branch 45 minutes away, and called to confirm that I could withdraw money at a branch and again I was told I would have no issues.

When I get to the branch, after about 30 minutes of waiting I was told no I could not withdraw any funds from my account and the banker will reach out to the back office to see what is going on. She then comes back and says this whole issue is due to the check from XXXX XXXX. 

It took me about 15 minutes to be able to call XXXX XXXX and verify this check by giving them details, yet for some reason Citizens bank still has not done anything to clear whatever problems they are having with the check. 

Its now 2 weeks later and my account is still locked and I have missed multiple bill payments, had to get short term loans from friends and family, and scrambling to make ends meet when I have plenty of cash being held by Citizens bank. Every time I call, a customer service representative says my account is in good standing and I can withdraw cash from a branch with photo ID. 

I just get wrong information all the time from this branch, first I am told a cashiers check would be no problem to cash when I first got it, which was clearly wrong. Then I am told to travel 45 minutes to a branch and leave work, just to waste my time and be told I can not withdraw any money. Its almost like Citizens Bank feels as though the money in my account is their money. I do not know what to do, or who would give me correct information. I was told a letter would arrive in the mail, and I have not received any letters in the past weeks. I have no spending money and am going through an extreme amount of stress due to all the lack of communication/misinformation/clarity. 

I hope nobody else has to go through this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-18
Company: LEXISNEXIS
State: VA
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 contacted Lexis Nexis about 3 bankruptcies showing on my Lexis Nexis file. I inquired about the information they are reflecting and they responded that they was unable to verify the bankruptcies and they would remove it from my report. They have failed to remove the bankruptcies from my report and in which has delayed the removal of the items from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXXXXXX XXXX  {$1900.00} was withdrawn from my checking account with the notation " VENMO REPAYMENT '' followed by several digits. When I called Venmo I was told this was in payment for a VENMO Credit Card bill. I told them I do not have a VENMO credit card. Subsequently I received a VENMO Credit Card in the mail that I did not request. A fraud complaint was created at that time. On a later phone call VENMO advised me that they would be sending me a refund soon. None came. Additional phone calls to VENMO resulted in them referring me to Synchrony Bank for a refund. I contacted Synchrony and was told the fraud claim had been approved and they needed the bank statement and address faxed in order to send the refund check. On XX/XX/2023 I faxed the requested items. After three weeks no check arrived. I called Synchrony again and was told that they could not accept FAXED documents and that I would need to MAIL the requested documents and information which I did on XX/XX/2023. After waiting 15 days as advised, still no check. I just called Synchrony Fraud Dept again and was told they don't show a record of having received the mailed documents and I should call back again in 3-5 days. I confirmed that they had been send to the correct address. It has been over 3 months since this happened and I have been told 3 times to expect the refund in 2-3 weeks and still nothing!

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 2021-02-15
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:
I am a victim of identity theft and I've reached out to Transunion and told them as well but no changes were made.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I ask that the item be deleted to correct my credit report. This issue is overwhelming and I just ask that I can be assisted in any way to help my situation. Its a closed account with {$0.00} balanced but it doesn't belong to me. 
Please apply these laws to my account The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( 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 2023-06-24
Company: TRUIST FINANCIAL CORPORATION
State: TN
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 in reference to case number XXXX. Truist has completely failed me and I am at a complete loss with this Bank. I was the victim of identity theft and had a loan taken out fraudulently in my name. I have submitted all documentation to them including an FTC Identity theft report, police report, ID verification and today I receive a document stating that the account was not the result of Identity theft and no further action will be taken. I don't believe that Truist investigated this matter at all. No investigation report was provided to me at all. When I asked I was simply told that the Loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name. 
I have been a client of Truist/BB & T for 20 years and they are basically calling me a criminal and a liar the first time I have ever had any issues with their bank. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to pursue legal action against Truist. I will also be reporting this to local media outlets that may be interested to know that Truist Bank apparently does not follow the FCRA and Regulation E. Truist should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquires from their credit report, rather than treat them like the criminal.

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 2022-09-14
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Chime bank account, an online bank. On XX/XX/XXXX at XXXX there was a transfer for {$1000.00} from my savings to checking account then made from my checking account to someone else by a pay anyone transfer it says for me I noticed the next day and called immediately after I saw it to file a dispute, it was around XXXX on XX/XX/XXXX. The next morning, XX/XX/XXXX, at XXXX I received an email saying that the investigation was Over no error was found. I called right back and said I need it te investigated, look into it more this has to be a mistake. I also asked for all transfers on my account to be blocked for the time being, which I was told was not possible. I filed the dispute, sent in any emails from them I had, and every time they replied no error found On XX/XX/XXXX at XXXX {$2000.00} was transferred from my savings to checking a account, then a {$1000.00} transferred by the pay anyone transfer to the same person. This time for rent I called back immediately the next morning, again filed disputes and got the same reply, no error found I changed my email and password again, ordered a new card, blocked the person this money is being transferred to, kept reopening the disputes and they kept closing them shortly after with the same reply. I called and spoke to many people with no help. Emailed them and sent in whatever screenshots I could, let them know that I would not even pay somebody for rent as it comes right out of my paycheck form my job because I work in the leasing office of an apartment building. I always got the same reply. I started giving up and just trying to move on, I figured I just lost the {$2000.00} and had to keep going. 
Now on XX/XX/XXXX at XXXX, months later, I notice ANOTHER TRANSFER for {$2000.00} from my checking to savings account, then again the pay anyone transfer for {$2000.00} to the same exact person. I noticed it when I got back from a weekend trip to West Virginia. I called immediately that morning. Said I need that disputed along with my previous two reopened, they said they. Oils not reopen the last two but can dispute the most recent one. I spoke with a supervisor and pleaded my case to her, something had to be able to be investigated more, I need all three reopened and something done. This is {$4000.00} in 3 months, that is not right. After my cases were reopened I got the same reply shortly after, no error occurred. I feel as I am not being takin seriously or anything looked into at all. I have asked about any options we have to secure my account and how to prevent this from happening as well as how can I get my money back. I have submitted police reports and any documents they asked for, and every time after every dispute a couple hours later no error found something had to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Sterling Infosystems Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I agreed to have a background check with Sterling Talent Solution. This was a requirement as I just got hired with XXXX XXXX. At XXXX, I received an email confirming that my background check was complete. Under DOJ XXXX XXXX XXXX, my result was XXXX XXXX. According to the New York XXXX XXXX XXXX XXXX XXXX XXXX, a Level XXXX XXXX XXXX  is someone who is an offender that is at low risk of repeating the offense. 
After I found this out, I immediately called the company asking to dispute the claim. I have never been accused, convicted, or gone to court for anything of this matter. They said there was nothing that I could do because the report was done. After that call, I made numerous calls to see if this report had any actual truth. 
After speaking with the Department of Justice XXXX XXXX XXXX, they told me that I am not and never have been on their registry. They furthermore explained to me that two errors could have occurred. One : The information was entered incorrectly. XXXXwo : There was an error in the footnotes. They directed me towards the XXXX XXXX XXXX registry to prove to them that I was not on the database. 
I called Sterling Talent Solution again and emailed the documentation that displayed that I was not on the XXXX XXXX XXXX  and had the confirmation confirmed by the Department of Justice. They claimed that as the report was already done ; there was still nothing I could do. No editing to my report or second report done. 
For this reason, I feel my Fair Credit Reporting Act rights has been violated. After closely examining my background check, it confirmed that my rights was guaranteed by FCRA. More specifically, the right to dispute and correct inaccurate information, and their legal responsibility to investigate claims made against my report. They have been negligent and refuse to investigate the claim made against me even though I have provided sufficient proof. 
Today, XX/XX/XXXX, they claimed that no error was made on my report in an email. They said that the XXXX XXXX was meaningless, but no employee told me that after the numerous calls I had with them. I feel the only reason they said that is I said I was talking with my legal counseling to see what my options were. My job that I beat dozens of candidates to get is now being called into question over this. I am upset that they could care less that a faulty report is costing me an amazing job.

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 2019-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received 2 calls outside of the time the company is able to call. The first call was on XX/XX/XXXX @ XXXX XXXX. I informed the representative that my local time was outside the allowed time. The representative verified my Arizona mailing address. The representative apologized and terminated the call. I then received a call on XX/XX/XXXX at XXXX XXXX. Again, I informed the representative of my local time, she continued the conversation and then when on to say that " by law, we can call until XXXX XXXX, I then repeated that it was XXXX XXXX. She continued to attempt to collect a late payment from me and I stated I was asleep, and have to be up at XXXX XXXX, I would schedule on my phone app.

Company response to consumer: Closed with monetary relief