BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-31
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XXXX after reporting to unemployment a change of address, I called US Bank relia card to request a replacement card and change of address. I was told, I needed to provide proof of identity, and was given the following address to send my proof. Verifiedusb.com/id, where I was to upload a selife. I did. On XXXX, I followed up and was advised to send my ID, proof of address, along with a letter from my landlord. I fax all the requested documents this # XXXX. I received a confirmation #. After this I began to call relia card, first weekly, then daily. Each time I call, I am either told the card is in the fraud department and must be cleared, or there's no information they can give, or they will make sure the card gets out. To date USrelia bank, has a total of {$1400.00} of my unemployment and my rent is 2 months backed up. The staff at relia with names to include XXXX ( supervisor ), XXXX XXXX, and others are amongst the names I spoke with. At this point with the current covid I am overwhelmed, having XXXX and lack of sleep. I was told I am a fraud, hangup on. I have other information if requested.. Thank you in advance for your assistance

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2020-12-31
Company: Firstsource Business Process Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor : XXXX XXXX REFERENCE NUMBER # XXXX CREDITOR REFERENCE # XXXX ACCOUNT BALANCE : {$3100.00} I DISPUTE THIS ACCOUNT!!! THIS IS THE XXXX COLLECTION AGENCY THAT HAS REACHED OUT TO ME WITHIN THE LAST FEW MONTHS. THIS IS NOW HARRASSMENT!!! ANYMORE HARRASSMENT I WILL BE SEEKING LEGAL MATTERS. 

In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for debt. 


THIS ACCOUNT IS RESULT OF IDENTITY THEFT. I AM SUPPLYING FIRSTSOURCE ADVANTAGE THE SAME DOCUMENTS I SUPPLIED EVERYONE ELSE. MY POLICE REPORT AND IDENTITY THEFT REPORT. 

I just sent this information to XXXX XXXX and spoke to someone they told me it would be resolved. Now a few months later it with another collection agency. 

Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I discovered an unknown third-party " medical '' collection account being reported on my credit reports by Commonwealth Financial Systems . Inc. I immediately notified Commonwealth that I disputed this collection account and demanded that they validate and verify this account. Additionally, I demanded they immediately stop reporting this disputed third-party debt. 

On XX/XX/2021 Commonwealth once again reported this disputed third-party debt in violation of FDCPA. 

On XX/XX/2021 I've provided written notice of my intent to file a small claims lawsuit against Commonwealth pursuant to my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01
Company: EQUIFAX, 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:
Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any.

2. FCRA requires notification prior to submitting any negative information. I have not received any such.

Remove the following : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020 I attempted to purchase a gift card from my local post office. During the transaction there was a malfunction with the card reader, causing my debit card to be charged but the gift card was never activated or never were there any funds on the gift card. The manager on duty apologized and told me the charge would fall off of my account in 2-3 business but did not. I filed a claim with my bank, Capital One, in the amount of {$100.00} and they gave me a provisional credit. XX/XX/2020, my claim was denied stating the merchant provided documentation that this was a valid transaction. I followed up with Capital One and spoke with SEVERAL people who were no help. I even provided the original receipt that shows money was taken from my account but I was never given a gift card. They replied stating " refer to the original decision ''! Today they have removed the money from my account unjustly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I See that within my name its says the following in which is false reporting an inaccurate ALSO KNOWN AS XXXX XXXX XXXX XXXX Also my address across the three bureaus aren't alining my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Incorrect addresses reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Upstart Holdings, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I submitted an application in XX/XX/2023 for refinance information to upstart/XXXX Their refinance interest rates and payments were higher then my current lender. 
So I decided to stay with my current lender. Now I come to find out that upstart/XXXX paid off my current loan in XX/XX/2023, WITHOUT my authorization. Five months after the fact. 
XXXX states paperwork was signed electronically, which I have NO knowledge of. Im XXXX years old and hate computers, I basically use them for email due to not being able to use a phone due to XXXX XXXX XXXX Also the State of Texas DOES NOT accept electronic signatures. When I requested a copy of the LIMITED POWER OF ATTORNEY, the signature is not even close to my signature, someone at their company must of signed my name because its not in NO WAY close to my signature. I would never have agreed to their terms of a higher interest rate and payment. They are running a SCAM! 
NOW they are threatening REPO. Causing undo stress, this vehicle is used to transport a XXXX person for medical care

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: SYNCHRONY FINANCIAL
State: MD
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:
I am writing because I need immediate action from CARE CREDIT. Your company has allowed fraud to occur and I need it to stop right away. I reported identity theft with the police on XX/XX/2019. I put a credit freeze on my identity with all credit bureaus. I have done all in my power to prevent these actions from occurring. After all of that stress, I got a letter in the mail from Synchrony Bank/ Care Credit that is dated XX/XX/19stating that they are unable to approve my instant credit request due to the freeze from XXXX . That means that even if your company does not do background checks on adding authorized signers to accounts, your company still had run a credit check on me and found a freeze, and then still allowed my identity to be added to FIVE ACCOUNTS ( That I know of ) on XX/XX/XXXX which is when I was alerted by the credit bureaus. I had ZERO notification that I was added to any account, there were no emails, phone calls or letters in the mail to confirm this. It is wildly inappropriate and negligent to allow someone to be added without their consent, and much less without even notifying them. I still would not know that I was added to the accounts had I not had the previous fraud and credit score notifications. 

Furthermore, how could you allow someone ( or multiple people ) to add me as an authorized user after seeing that there was a freeze on my account? It is very negligent and irresponsible to add authorized users without a credit check or any notified consent of the user. To reiterate, to this day, I have not been notified from Care Credit or Synchrony Bank that I have been added as an authorized user on five different accounts. Also, adding five accounts for one person in a short period of time is highly suspicious and your company should be doing more to prevent fraud. 

As you can imagine, all of this has caused a great deal of stress - emotionally and physically. Additionally, it has affected my job because Ive had to take time away from clients to make numerous phone calls to your company, fraud alerts, the credit bureaus, social security offices and the police. Some of these calls have taken more than an hour each time. 

I am requesting a statement from your company that states : I am a victim of fraud, that I will never be added to any accounts in my own name or as an authorized user, and that my name has been successfully removed from all accounts. 

If I do not here back in 15 days from this complaint ( XX/XX/XXXX ), then I will be seeking legal action.

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 2023-04-28
Company: EQUIFAX, INC.
State: TX
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:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sorry, Im bothering the committee to help investigate the issue of my identity theft. Today, I received the issue of XXXX and Jefferson debt collection company for no reason. I have complained to the committee before. I dont know why XXXX hasnt been in two or three years. Take care of my identity theft issue! It caused me a lot of trouble. I troubled the committee to deal with it again. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
This letter was sent ( by mail ) : XX/XX/XXXX They have not got in contact with me since and I still have this on my credit TOYOTA MOTOR CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Unauthorized inquiry to my consumer report ; demand {$1000.00} settlement To TOYOTA MOTOR CREDIT You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. for unlawfully obtaining my XXXX XXXXonsumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A shall not use or obtain a consumer report any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified by section 1681e of this title by a prospective in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 XXXX XXXX  XXXX. XXXX ). 

I have not initiated any transaction with TOYOTA MOTOR CREDIT. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TOYOTA MOTOR CREDIT for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. 

As a result of you unlawfully obtaining my consumer report without a permissible purpose, you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. 1681n ( a ). 

For the sake of the judicial economy. I am willing to settle this matter without any admitted liability. I offer a full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above within 14 days of receiving this demand. 

Please be advised that I am prepared to litigate this matter if you do not comply with this demand. Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, 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:
I reviewed my XXXX report and there is a fraudulent account appearing on my report, reporting discrepancy & i would like this to be removed.

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 2023-02-21
Company: NEW YORK COMMUNITY BANCORP INC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I was notified by mail that my property taxes were not paid from my escrow account with Flagstar Bank by XXXX County Treasurer. I contacted XXXX County to confirm no payment was received. 

I called Flagstar Bank on XX/XX/22 & XX/XX/22 to try to get them to pay the amount of XXXX for property taxes. They kept saying they paid it without any proof even after I notified of the deliquefy paper. They refused to paying it and said it was my problem.

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 2020-12-31
Company: Experian Information Solutions Inc.
State: TN
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:
A BILL WAS LISTED ON MY CREDIT REPORT THAT I HAVE APPLIED OR USED

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 2021-02-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX mail was stolen out of our mailbox. Within minutes Of it happening I called my bank fifth third to let them know that my mail was stolen and to flag my account for any suspicious activity. There was a check payment to XXXX XXXX  in there for {$88.00} and I gave the check number and around the time it happened. Later that evening I was checking my account on my mobile app only to see a check that was bleached out XXXX XXXX XXXX  check ) and made out to a person by the name of XXXX XXXX XXXX. Since it was after XXXX I couldnt reach my bank until the next day. I went in to file a fraud report ... ..which was done incorrectly and didnt even find that out until I called them to check on the case. So I had to go back to 5/3 and have another fraud report written up and so my case wasnt even looked at until XX/XX/XXXX. I have also filed reports with the XXXX police dept and the United States postal service and the comptroller of currency ... .all of which have failed me. They basically say that because the check was cashed by XXXX  its really out of their hands and that they have 180 days to put the money back into my account. My latest contact has been with XXXX XXXX from the comptroller of currency who basically said that there is nothing they can do. He is my contact now as that as what I was advised to do by him. I feel like my money was not protected by a bank that is supposed to be FDIC. I feel like my funds should have been reimbursed during this process for multiple reasons but mainly because I gave them all the information that they needed to know and they still didnt protect my money. Its a scary thought to know that I bank with a bank that doesnt protect me or my funds. I am running out of people to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, 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:
On XX/XX/XXXXI requested XXXX to send either validation of this alleged debt or proof of contact with wet ink signature. They responded on XX/XX/ with a brief response that read a 1099-C was not issued because the debt was not canceled or forgiven. They only acknowledged a very small portion of what was asked of them. I have no knowledge of this account and would like proof of me signing for such a contract and the terms. They do not have my consent to furnish innacurate accounts on my consumer report and this has resulted in pain and suffering and defamation and denial for credit. I would like them to stop invading my privacy and cease all communication and delete the file from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Aargon Agency, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I TRIED TO REACH OUT TO THEM AND SOMEONE TOLD ME THEY WILL GET BACK WITH ME BUT NEVER DID.

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 2023-06-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone stolen my identity and used my name for years getting fraudulent items in my name .I have and ex husband and bad divorce .My life was taken under my nose and stolen by someone using my name badily and when covid 19 hit and that bad disaster someone really used my name .Please removed all errors Every year they keep coming back on my credit report.

Company response to consumer: Closed with explanation