BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: BARCLAYS BANK DELAWARE
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:
I have been a victim of fraud/identity theft and someone ( unknown ) opened up a Barclays Bank Credit Card , Date Opened : XX/XX/2019 and has an account balance of : {$47000.00}. I did not authorize this account and this account was not opened by me. Therefore, it is appearing on my credit report and is negatively affecting my credit rating. This fraudulent account is showing up on my XXXX Credit report and they are not blocking the account from my XXXX credit report. I have sent them a police report and an XXXX certified mail and they have verified it accurate, which is not true. Therefore, I am demanding for XXXX to remove this fraudulent account immediately before I take further legal actions and file a lawsuit against XXXX for violating the Fair Credit Reporting Act and reporting inaccurate information on my credit report.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
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:
So I sent a letter off on XXXX XXXX and XXXX XXXX .To remove personal information and account inaccuracies that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO financial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights. For the record, the following information is being erroneously included on my credit reports I advised you on 2 separate occasions, more than 75 days and again 40 days ago : ACCOUNT 1 : XXXX XXXX XXXX, Account # : XXXX XXXX, ] ACCOUNT 2 : XXXXXXXX XXXX, account # : XXXX XXXX ACCOUNT 3 : XXXX XXXX account # : XXXX XXXX ACCOUNT 4 : XXXX XXXX XXXX account # : XXXX ACCOUNT 5 : XXXX XXXX XXXX account # XXXX ACCOUNT 6 : XXXX XXXX XXXX account XXXX XXXX ACCOUNT 7 : XXXX XXXX XXXX  account # 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 explanation
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX XXXX deposit a PPP loan into my account from CapPlusFin. I went to Capital One to withdraw some money and they frozen my account. I gave them my EIN number and paperwork where I file my company on my taxes and that it is a Legitimate company. My account is still frozen and it just sitting into my account and cant be touch. Ive all capital one every day and they say Im under investigation. I submitted paperwork again. XXXX second since investigator stated to close the account and send money back. Money is still just sitting there. Talk to SBA and they stated its not them they got what they needed from me is capital one doing what they want to do. Still to this day money is just Sitting into the account and all Im getting is they dont have a time frame of when money gon na get sent back. I shouldnt have to go thru this anyway if I produce my information for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: TX
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 have filed a dispute with the creditor, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX, and the credit reporting agency Experian In XX/XX/XXXX. After the reinvestigation Experian claimed to have made updates to the account stating that a recent payment was made in the amount of {$140.00} in XX/XX/XXXX, {$37.00} on XX/XX/XXXX XXXX & {$66.00} on XX/XX/XXXX XXXX XXXX XXXX Bank. It also made this as the new date being reported for this XXXX yr old account. Which is now only a few months old. I DID NOT MAKE THIS MOST RECENT PAYMENT on any of these three acts.. THIS ENTIRE Conns ACCT IS FULL OF FALSE INFORMATION. I have uploaded the court documentation that shows that they lost the court case against me because they had NO WAY TO PROVE IN THERE RECORDS THAT I OWED THE BALANCE REPORTED! Experian still validated the debt then changed to a newly reported date and claiming I made a new payme nt on the acct dated XX/XX/XXXX {$140.00}. This is false information and must be removed to be in agreement with the laws.

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 2023-01-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my PayPal can not be linked to the bank and withdraw cash, please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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:
I am in receipt of the re-investigation results conducted by Experian, and I am deeply disappointed to find that the results did not include the requested information. This failure to provide the requested information in accordance with 15 U.S. Code 1681i constitutes a violation of the FCRA and is particularly concerning in light of the systemic barriers that XXXX Americans face in accessing fair and equal credit. The unequal treatment in the credit reporting process exacerbates existing disparities and causes further harm to XXXX American communities. As a consumer reporting agency, you should know the continuous reporting of such inaccuracies is a DIRECT VIOLATION OF THE LAW AND MY RIGHTS AS A CONSUMER! I DEMAND YOU REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT DUE TO INACCURATE REPORTING!

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 2023-06-14
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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-11-25
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/, I encountered a concerning issue with Truist Bank that has prompted me to seek assistance and potentially involve legal action. Despite verifying and authorizing all charges on my account, which ranged from {$3.00} to {$3800.00}, the bank placed my account on a 90-day hold. This decision was communicated to the bank 's EFM department by a senior banker who assured them of my verification of all charges. However, despite these efforts, the EFM department refused to lift the hold on my account for 90 days. 

The repeated attempts by the senior banker to resolve the situation were unsuccessful, and my account remained on hold. This action led to the decline of all charges on my account, resulting in late fees, return check fees, and other financial penalties. I assert that there were no questionable charges on my account, and all transactions were thoroughly verified by me but a hold of 90 days and 0 access to my account in branch, making a transfer and online was not allowed by Truist. Despite this, Truist Bank chose to enforce a hold on my account for 90 days, causing financial hardship, giving me no access to my own funds and inconvenience. 

I suspect that the bank 's decision to place my account on hold for 90 days may be driven by a desire for personal gain. I am concerned that they may be exploiting the funds in my account for their own benefit, possibly by lending or investing without authorization. This practice is unethical and, in my opinion, warrants investigation by regulatory authorities. 

I am particularly troubled by the impact of Truist Bank 's actions on my financial obligations. The hold on my account led to the bouncing of my mortgage payment and other checks, resulting in additional fees and late charges but are not limited to. This mishandling of my account has had severe consequences for my financial well-being. 

In response to these issues, I have decided to involve my attorney to address the situation and seek appropriate remedies. I strongly recommend an investigation by relevant authorities, possibly including the FBI, to scrutinize Truist Bank 's practices in holding customers ' funds without valid reasons. My goal is to prevent other customers from experiencing the distress and financial consequences that I have faced due to the bank 's actions. 

I am willing to provide any necessary information to aid in the investigation and resolution of this matter. 
Best regards!

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - # # # # # # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I cancelled my XXXX XXXX ( now owned by XXXX XXXX XXXX ) subscription in 2017 and they continue to add new collections. 

First, it was a collection of {$470.00} from original creditor - XXXX. An original letter stated that I did not return the equipment - which is untrue. All equipment was returned as suggested by their company - through XXXX air. 

Secondly, another collection account for {$280.00} from original creditor - XXXX.. I do not know what this charge is for. 

Thirdly, another collection from XXXX XXXX XXXX for {$110.00}! What is this charge for? 

Why are companies allowed to add whatever they want to our credit reports at will? This is clearly defrauding the public!

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 2023-04-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/2023, I reached called American Serve Pre-Paid Customer Service via the number : XXXX. I called 6 times, and every time, I was disconnected. I needed to speak with a representative because my card is expiring very soon and I have not received a replacement card. There are only 3 options available on the automated system, none of which lists speaking to a representative. Additionally, existing customer options are limited for me since it prompts me to activate a card I have yet to receive. Can not make it past that prompt because automated disconnects if I can't provide the requested information. I can't provide a number for a card I haven't received, and I can not inform anyone that I did not receive it yet, because I can't get past that prompt without it hanging up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im not late with XXXX XXXX and In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. XXXX are Violating my 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 2021-08-26
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a forbearance agreement with my mortgage company on XX/XX/XXXX. Because of a loss of income due to Covid 19. I was told to wait for the papers and email I requested. They said it would take 10 days. 
I called back at least 2 times after that and was told by the agents that the agreement could be seen in my information. I called again on the XXXX the agent again stated he saw the agreement, and that he would resubmit the request for the hard copy and email to been sent. I called this morning hoping that I could at least get the email sent. 
I was told that my forbearance had been closed on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TD BANK US HOLDING COMPANY
State: MI
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:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: AES/PHEAA
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: Account information incorrect

Complaint:
MyFedLoan reported my payment 90 days late on XX/XX/2020 and 120 days XX/XX/2020. 
Payments were only XXXX bucks a month and XXXX XXXX  payment was made in XXXX paying for four months in advance due to a rep verbally stating that I can make a larger payment to pay months in advance. After providing myfedloan with this information and showed them the payment which proves being 120 days late is inaccurate, they decided to not update the credit bereaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
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 would like to request a verification of record that the address showing on this statement is my correct address. If you can not provide a statement that matches the address on my credit report, please delete this account immediately under the FCRA. Also, please delete any duplicate addresses reporting on this credit report.

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 2023-02-22
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As you can see below we made a payment of XXXX dollars on XX/XX/2023. The next day my " scheduled payment '' of XXXX cam out of my checking account after we made a manual payment the day before. In my opinion they should have either cancelled the scheduled payment or applied all but loan XXXX to principal and not interest. However that is not what happened. How can I pay XXXX dollars of interest for 30 days and then pay XXXX dollars of interest the next day for loan XXXX along with interest on all the other loans. I contacted XXXX by phone on XX/XX/XXXX at approximately XXXX EST, and the girl who took my call placed me on hold for 38 minutes and did not come back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.I am totally XXXX that I have negative information noted below in my credit profile due to its damaging effects on my good credit standing.XXXX Account XXXX I never received any late notification on this account. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Disputing a listing with the Original Creditor There is no doubt I am aware, credit reporting laws ensure that bureaus report only accurate credit information. 
No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX which was highly embarrassing and has negatively impacted my lifestyle. XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] With the proof I 'm attaching to this letter, I 'm sure you 'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.

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