BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, FL 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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: MI
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In early XX/XX/XXXX I submitted updated XXXX income verification to have my payment counts adjusted. I was trying to have it processed faster and uploaded the completed forms I downloaded from XXXX and they were also transmitted from student aid.gov to Mohela. 
Mohela has failed to process the forms correctly after XXXX different phone calls throughout XXXX. Each time they have continued making errors on my account and now there are even more steps I have to explain that need to be correct. 
My income from XX/XX/XXXX through XX/XX/XXXX has continuously showed my employment is not certified after they processed that document, they keep saying they will review but never correct it. Now they have updated my current employment to reflect that it is the same as my previous employment and I asked them to correct that and they will not. 
They do not call when they have questions about processing but insist I wait for them to send a new notice. 
I dont know how else to fix this and Mohela doesnt seem willing either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
I recently received a copy of my XXXX consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2021-02-11
Company: Early Warning Services, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a decade+ customer of XXXX XXXX  XXXX I have a checking, savings and business account with XXXX XXXX. 

Tonight, an artist we've done business with multiple times, asked us to send our payment of {$200.00} to him through Zelle, which we believed to be a XXXX Bank owned app based on the advertisements provided by XXXX XXXX  and the zelle app embedded in my XXXX XXXX  account. 

Believing the product must be reputable, the payment was sent. 

After sending, our friend asked us to send a screenshot. 

I found this odd, as we've done business several times. 

So I asked him to call me and when he refused, I found that his XXXX account was hacked. 
Within literal minutes of sending the payment, I called XXXX XXXX. 
They said Zelle is not their app, its a 3rd party and there was nothing they could do. 
I asked if they could NOT send the funds, because the funds WERE NOT SENT. 
They said no. 

I called Zelle, it had no options for fraud, for support and the system hung up on me twice. 

I called XXXX XXXX  back and explained that we should have the ability to mitigate our losses, that XXXX XXXX  advertised this app in a way that made it seem like it was a part of their services and an app owned by them. 

They stated they had to ability to stop the funds, that are STILL SITTING IN A PENDING STATUS, from being drafted from my account. 

Zelle has no fraud department Zelle has no customer service options Zelle has no customer service agents available Zelle has no options for us to protect ourselves or report time sensitive issues related to fraud or app issues. 

No CONTROL is provided to me, the customer defrauded by the app XXXX XXXX touted. 

Now that I've been informed Zelle isn't part of XXXX XXXX, I am aware that I may not be afforded the same protections that I would if it was part of the bank, such as FRAUD protection. 

I also am GUESSING zelle doesn't have a dedicated team. 

Had it had one, the funds would not have been sent, because we would have been able to call within the first 10 minutes of sending the payment, and cancelled it. 

Zelle should be required by law to have a fraud team. 

Zelle should be requried by law to disclose during the sign up process PUSHED BY XXXX XXXX, that it is NOT AFFILIATED WITH THOSE BANKS. 

XXXX XXXX  should not be legally allowed to advertise the use of an app it has ZERO control over or protection it offers with it. 

Zelle should not be able to refuse fraud or customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX 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 which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 the 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
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

2 ) In accordance with the fair credit reporting act XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-09
Company: EQUIFAX, INC.
State: IN
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:
1 ) In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

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

2 ) In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

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

3 ) In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX # XXXXhas violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

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

4 ) In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

5 ) In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
6 ) In accordance with the fair credit reporting act XXXX XXXX  XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Synchrony Bank XXXX credit card Transaction date : XXXX Amount in dispute : XXXX ********************************************************** Explanation of complaint : Made payments of {$990.00} and XXXX over and above the " minimum due '' to pay the full principal amount remaining on expiring promotions. However, come to find out that heir system does not apply payments to an expiring promotion, it allocates them across all transactions, nor does it take an adequate amount through " auto-pay '' to cover expiring promotions. This despite the fact that their auto-pay enrollment pitch includes claims that you '' never miss a payment '', etc. Which is just a deliberate half-truth. You won't miss a payment, but they won't allocate those payments so as to prevent the promotional balance from defaulting so they can assess the deferred interest. 

Customers have to call in, fight their way through an automated phone system, hope to get a live representative that is actually helpful, and then request that payments over-and-above the minimum billed as due for the month be applied to the expiring promotions. If you do not do so, Synchrony 's system allocates the payments across all balances and assesses the accrued interest charges on the expiring promotion ( s ) ( supposedly no-interest for varying periods ranging from 6 mos to 36 mos if timely payments are made ). 

In addition, sending any payment greater than the minimum due ( i.e. the full amount of an expiring promotional balance item ) prevents the auto-pay from occurring, causing further issues. It is all unfair and deceptive!! They have made it as difficult as possible to avoid having the interest assessed on expiring promotional balances despite making all payments on time. I don't think any of it is any accident. 

Business Name : Synchrony Bank - credit card XXXX XXXX XXXX XXXX, FL XXXX Bus Phone : ( XXXX ) XXXX Website : 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 monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank has once again took out XXXX dollars out of my account for overdraft while I still had transactions pending. This needs to stop! I need every penny!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Consumer Adjustment Company Incorporated
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because two debts that are not mine is reporting to this unknown address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXXXXXX XXXX XXXX XXXXXXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.

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