BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: U.S. BANCORP
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2019 I opened a claim agains US Bank stating that the data and latd payments they are reporting to the bureaus should be removed. No by haste, but to prior notarized agreement between myself and their company. 

On XX/XX/2019 I wrote US Bank in attempts of getting late payments forgiven and removed from my account. US Bank agrees and has since failed to do so. Please see attached. 

US Bank submitted documentation that seemed to revert from my directives completely ignoring said agreement.

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 2023-04-27
Company: Experian Information Solutions 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:
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. XXXX, XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$990.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$310.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$490.00}. Please delete. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these inquiries.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 found out that you are not REMOVING items 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 legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. 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 Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$46.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC 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 2023-10-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
On XX/XX/2022, I received in the mail a debit card for a checking account that I did not open with Capital One. I called Capital One Fraud Department and informed them that this was fraudulent activity and to please close the account. The account is showing on my credit report with XXXX as being an active, valid account. Capital One would not disclose any information as to the email or phone number listed to the account. I asked them to inform me when the account had been removed from my name and they said they would send an email to the email address listed on file. Duh. So the person that fraudulently opened this account is going to be receiving the email. Being the victim of identity theft and having to work with the IRS, SSA, and the credit bureaus, this is the very last problem I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX on a thursday XXXX of XXXX. On Friday the XXXX of XXXX I released my property to a friend vehicle keys cell phone wallet ect. An unauthorized withdrawal from an ATM in the amount of {$1000.00} was made late friday XXXX of XXXX with multiple attempts at withdrawing more but my max was reached at {$1000.00} that day.the following day another unauthorized withdrawal was made on the XXXX of XXXX in the amount of {$700.00}. I was released on Sunday the XXXX in the morning. These were unauthorized withdraws. I filed a fraud claim. Wells Fargo the credited me the money " I was under the impression that they acknowledged my claim '' so I paid bills and what not with the money. Days later the come back to say that my claim is closed and stated that " Either it was me who made the withdrawals or it was someone I gave permission to, consider this claim closed we will be withdrawing the credited {$1800.00} in 10 days from your account '' I have no idea how I could have made these withdrawal when I was XXXX and I gave no one permission to do so either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: CITIBANK, N.A.
State: CA
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:
Someone using my SSN and other type of Identification to open and get Loan, Bank Accounts and replace credit cards, XXXX XXXX, XXXX XXXXk, XXXX XXXX XXXXXXXX, Citi Bank, 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 monetary relief
Consumer complaint received 2022-05-26
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan start XX/XX/XXXX. 
XXXX XXXX Another 's hazard insurance was paid from my escrow account. 
XXXX XXXX my Hazard Ins was denied payment, but did get paid but late XXXX XXXX asked for the {$730.00} paid incorrectly out of my acct to be returned. 
1098 tax forms containing incorrect information was sent to me. Loan Depot has refused to send correct balances on new 1098 's. 
XX/XX/XXXX escrow acct analysis showed deficient, so my monthly payment was adjusted from {$790.00} to {$890.00}. I was told that would be corrected and new payment of {$830.00} would be initiated in their system. It was not and got collection call and late fee attached. Payment was made for XXXX and XXXX drafted the next day. 
Have spoken with at least 5-6 experts + other Cust Serv . people that say they can fix all problems. 
Have been told {$730.00} has been returned it just doesn't show in escrow account. 
Late fee has been reversed but I get monthly collection letters. 
Payment history on account still shows property taxes paid in XXXX as if paid in XXXX. 
Never sent correct tax info but told " not to itemize ''. 
Loan Depot does not recognize that if system info is not corrected this will and is ongoing. 
Coming up to month 12 of loan and still have escrow acct, payment history, late fee and tax issues that have not been truly fixed since XX/XX/XXXX. 
I did receive a letter that said my address was incorrect. My favorite correspondence. 
I speak to several people a month, but no one seems to be capable of a full fix. 
Even sent a list so all areas could be addressed and resolved. Not a single item has been fully resolved since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, On XX/XX/XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the original account holder and XX/XX/XXXX. XX/XX/XXXXdidn't investigate or provide me any prove this was my account. There failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

I demand the following accounts be verified or removed. 

Name of Account Account Number Provide Physical Verification XX/XX/XXXX XXXX Unverified Account

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 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was contacted by a representative ( XXXX XXXX XXXX ) from Bank of America on XX/XX/2023 at XXXX. I confirmed that the number of the caller matched the number on the back of my debit card. I was told that an account was set up in my name and 2 transactions were done on XXXX. One transfer was in the amount of {$1200.00} and the other transaction was for {$1500.00}. Once I confirmed that I did not open up an account online ; nor did I authorize 2 XXXX transactions, the representative then told me that they would flag the account that was opened and the 2 transactions as fraud. I was provided a cancellation number and then the representative said that they would connect me with XXXX so that the transaction could be documented and voided. 

I then spoke with a XXXX customer service representative that identified himself as XXXX XXXX ( identification number XXXX ) who then recited previous XXXX activities with a XXXX XXXX account. I confirmed that those activities were not fraud. By this point I was extremely concerned because the mere fact that the representative had told me with accuracy about previous transactions confirmed in my mind there was a security breach. I was provided codes to reset my XXXX account for both my Bank of America and XXXX XXXX accounts by the XXXX customer service representative. However over the next 24 hours, I watched as my checking accounts were debited of {$4900.00} from my Bank of America account and {$2400.00} in my XXXX XXXX account. After hours of the representative trying to reset my XXXX accounts, nothing changed. I had to terminate the call due to a family emergency. When I called Bank of America back to see if the situation had been resolved I was told that they never contacted me.

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 2023-01-30
Company: Bull City Financial Solutions, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Medical debt under {$500.00} reporting to all three credit bureaus. Reporting medical debt that has already been paid to original creditor. 

XXXX XXXX : XXXX XXXX XXXX  {$51.00} {$120.00} {$120.00} {$120.00} {$700.00} XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Synchrony bank shared my nonpublic personal information with a debt collection agency who is now suing me for an alleged debt. According to XXXX, this information can not be shared with a nonaffiliated third party unless myself the consumer was beforehand given the right to opt out of sharing of this information along with an explanation on how to exercise my right to nondisclosure. According to the terms of the alleged contact furnished to me by the debt collection agency, I was not given the right to opt out nor the instructions on how to do so. Due to this matter, Synchrony bank is in violation of my consumer rights.

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 2023-02-24
Company: EQUIFAX, INC.
State: LA
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:
Equifax continues to furnish unauthorized fraudulent unknown information after multiple dispute attempts. Including phone certified mail and fax. I Demand these non account items in violation of multiple FCRA 1681- 18 usc 1028a 6802 6801 6805 602 604violations be Permanently Deleted from EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX Balance : {$79.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA 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 2023-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an offer from Citizens Bank. The offer was to open a savings and a checking account, maintain at least XXXX XXXX  monthly, and have a minimum direct deposit of {$500.00} per transaction. In return the bank would credit ( deposit ) my account {$600.00}. 

On XX/XX/2023, I opened a checking and savings account with Citizens bank, and made 2 different transactions of {$500.00} each from my Savings account at XXXXXXXX XXXX over to the newly opened savings and checking account at Citizens Bank ( a total of {$1000.00} ) using Citizens Bank direct withdrawal tool. 

Using the Citizens Bank online website, I was able to see the funds in the newly opened accounts. On XX/XX/2023, I was not able to access the Citizens Bank accounts online so I called their customer service, and they told me they were not able to find any accounts under my social security number or my name. 

On XX/XX/XXXX, I also received a letter stating the newly accounts opened were closed and no explanation on the reasons why. I contacted the number on the letter and they were not able to give me any information. The letter referred me to the local bank. 

On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX, NY, and spoke to the branch manager, XXXX XXXX. He said he could not do anything for me because I opened the account online. He called customer service and they were not able to provide him with any information. 

Since then, I have called their customer service, their fraud department, and their ACH department, and no one is able to find my account or funds. 

My bank, XXXXXXXX XXXX, from the very beginning has confirmed the funds, {$1000.00}, were successfully debited from my savings account by Citizens Bank, and they provided me with the 2 trace numbers Citizens Bank could use to tack the funds. Citizens bank has stated they can not help me. 

The trace numbers are : XXXX # XXXX XXXX # XXXX I appreciate your help as it seems Citizens Bank used the advertising to commit fraud. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid full balance of expiring balance transfer, but Citi Bank applied the balance to balance transfer expiring next year. then they change full interest on expired balance. Also, No way to pay balance to the near expiring balance offer. Even if we pay full balance on due date, still they change interest on mid billing cycle balance transfers offer.

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 2023-08-23
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}

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 non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
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:
I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was accounts on my credit report which are misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the accounts will remove in my credit file as soon as possible. Here are the list of disputed accounts : XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$100.00} ; XXXX  XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX

Company response to consumer: Closed with explanation