BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This is a two-fold complaint that deals with several State and Federal regulatory violations. In one such example, we will deal with and I complain of violations of the FDCRA ( 15 U.S. Code 1681 ) et seq ; and in the other, I allege, fraud, by a financial institution. I intend, depending on the outcome of this action, to seek private counsel for a private action. I am Complainant, XXXX XXXX XXXX. My XXXX is XX/XX/XXXX. Here is the background. In XXXX of XXXX, I moved from XXXX XXXX XXXX. At the time, I maintained an account in good standing with Simmons Bank. Because I intended to keep the account, although I rarely used the account ( I hadn't used it in over XXXX years ) the bank closed my account, allegedly for " dormancy '', in violation of XXXX XXXX XXXX XXXX XXXX. The bank, rather than to convey the funds to the state as required by statute, kept the money internally and refused a refund. The bank claimed that they charged a " XXXX XXXX '', which is contrary to law and to Simmons own policies and procedures. The amount was just under {$60.00}, however, a violation of this law, only requires a statutory amount of XXXX. I have asked for the refund, the bank refused. I was not made aware, nor had the bank, in spite of having my contact information, made any attempt to contact me, prior to the unlawful confiscation of the funds in the account. On XX/XX/XXXX, after being denied a refund of the so called fees, I attempted to open another account. I was denied. The reason I was given is that something was listed in XXXX XXXX, that was derogatory about me. However, I immediately contacted XXXX XXXX, and now have evidence that there is nothing derogatory about me, nor do I have credit issues. It is important, because the banks actions are retaliatory and because they used false information, in writing, as a reason to deny me access to a checking account. It is unlawful for a bank to without a court order, withhold funds from a depositor. It is also unlawful for a bank or other financial institution to fabricate non-existent fees, especially where those fees are contrary to law. Frankly, it is stunning that without the knowledge and consent of XXXX XXXX, a separate company, Simmons Bank, in a letter to me of " Adverse Action '' stated that the denial of my application for the account was based in whole on information obtained from this Consumer Reporting information. There is no other reason listed and the denial is retaliatory.

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 2022-12-08
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX  XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-21
Company: Opportunity Financial, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer to US bank credit card while back by a paying fee and received the XXXX percent interest offer which is scheduled to expire on XX/XX/XXXX. I never missed any payments and was on schedule to pay the balance off by the scheduled expiration date. However, during the most recent billing statement period I had to pay for something so I charged this very card {$2700.00} on XX/XX/XXXX and because I wanted to avoid paying high interest, I made payment of {$2700.00} on XX/XX/XXXX. This transaction occurred during same billing cycle period so I thought everything was fine. To my surprise, when I received the monthly statement, US bank credited the payment of {$2700.00} towards my balance transfer amount and charged me 20+ % interest fee on the purchase I made on XX/XX/XXXX. When I called the customer service at US bank, they told me any payments I make would go towards paying off any balance with lower interest rates first and there's nothing they can do about it. I think this is kind of unfair business practice because consumer should be given a choice to make payments towards balances from credit cards especially transaction occur within same billing cycle period and balance transfer offer wasn't expired. Hope you can resolve this issue and further create better a policy to protect consumers. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: WESTERN ALLIANCE BANCORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
THIS IS NOT A REQEST TO COMMUNICATE WITH THE INVOLVED FINANCIAL INSTITUTION ON MY BEHALF. THIS IS A COMPLAINT SUPPORTING A REQUEST FOR INVESTIGATION. A COMPLETE NARRATIVE AND IDENTIFICATION OF PARTIES INVOLVED ARE ATTACHMENTS TO THIS ONLINE SUBMISSION. 

As treasurer of a condominium I discovered that my signature on a bank deposit-account agreement was abused by the bank and its business partner ( s ) to the extent that the bank : generated false  corporate resolutions for use in opening a deposit account ; provided forms and used those forms with its business partner ( s ) which allowed and authorized account signers unknown to the account holder ; specifically accepted account " control persons '' designated by its business partner ( s )  who are unknown to the account holder ; lied about the existence of documents it accepted from its business partner ( s ) and which became a part of the deposit agreement authorizing unknown control persons and account signers. 

I became suspicious during the account opening process when uncovering the above-described activities. As a result the condominium did not deposit funds at this particular bank. I discovered that this bank has a nation-wide program in which the association almost became involved. 

What initially captured my attention is that the bank allowed a third-party to designate an account " control person '' when the condominium association left a " beneficial ownership '' designation area blank. That is exactly what happened when the third-party -- a condominium management company as a bank business partner -- withheld from the association that page containing the beneficial ownership designation box. 

My suspicion is that many homeowner associations do not know that they have shared their account authority with unknown others, and that deposits and other account activity is generated while under the control of persons unknown to the account holders. The security implications of this seemingly well thought-out and well-executed bank program appear significant.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX 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

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 2023-03-07
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX  XXXX XXXX, NY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : 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 2018-12-10
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
The current issue I am having is with Synchrony Bank/JC Penney. They have been improperly reporting to XXXX   credit report agency. Synchrony Bank has been reporting a date that is inaccurate. They said that the last payment was on XX/XX/XXXX. The account was closed in XX/XX/XXXX and I had made no payments in the year of XX/XX/XXXX The last payment that I had made was XX/XX/XXXX. The date of XX/XX/XXXX should not be listed as a last payment. It should reflect as last payment XX/XX/XXXX. Just by them reporting this date inaccurately has lowered my credit scores by a fair amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: MI
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 do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report.

The account was opened XX/XX/2017. 
Company : XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2021 with a balance of {$27000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As i took a look at my Credit report i noticed i have several names and several addresses that shouldnt be linked to me I am highly afraid of identity theft and would like my personal information updated i should only have XXXX name ( XXXX XXXX XXXX ) XXXX address ( XXXX XXXX XXXX XXXX fl XXXX XXXX ) and XXXX phone number ( XXXX ) any other name address and phone number should be deleted expeditiously do to the possibilities of identity theft please and thank you

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 2019-09-16
Company: Colony Brands, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried to open an account with Swiss Colony two years ago and the present. I called and asked why I was turned down. They said, it was because of an account in the year 2000 and it was placed with a third party. I explained to them that I didn't remember an account back then and was not contacted by a third party. This was 19 years ago. I have several accounts that Swiss Colony is grouped with and are paid on time. For some reason, Swiss Colony keeps turning me down. Something doesn't sound right about this. And I'd like to know why do they go back to something that was 19 years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Nelnet, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a regular inquiry on my XXXX  Credit report from Firstmark Services XXXX that I didn't authorize. 

After contacting Firstmark they reported that I never did the inquiry but requested additional information ( subscriber code ) that is not available in the XXXX credit report. 

Since I can't provide this information. XXXX guided me to file a FTC complain and report the complain number back to them to take further actions. 

Here is the information about the regular inquiry on my XXXX credit report : FirstMark Service XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested on : XX/XX/2021 Inquiry Type : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
I had XXXX late payment during the XXXX  because my XXXX XXXX webiste was down and their call center did not have enough people to answer the phones. All of my other payments have been on time. Despite this late payment happening during the height of the XXXX Experian refuses to remove the negative mark from my credit report and it has hurt my credit. 

Additionally I XXXX I canceled my paid membership with Experian and switched to their free version they dropped my XXXX XXXX by XXXX points with no explanation. I had no late payments no high balances on my credit cards, and no new inquiries into loans, credit cards or anything that could hurt my credit report. They only thing that changed for my credit was that I stopped using the paid memebership on Experian and they dropped my score XXXX points.

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 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were number of days as late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear as late on an account that has already been paid. Kindly help me correct this account reported by XXXX credit bureaus as negative in my credit report : XXXX XXXX  XXXX Balance Owed : {$33000.00}.

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 2019-09-16
Company: Legacy Funding Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Purchased vehicle XX/XX/XXXX from dealer in XXXX, PA. The vehicle was financed with Legacy Funding of XXXX, PA. The vehicle was returned to the dealership in XX/XX/XXXX. The debt appeared on my credit until I filed bankruptcy in XX/XX/XXXX ( chapter XXXX discharged XX/XX/XXXX ). I recently obtained a copy of my credit report and it shows on my credit report and loan initiated XX/XX/XXXX, and repossession of vehicle in XX/XX/XXXX. 
I called Legacy Funding @ XXXX today and spw a gentlemen who refused to give me his name. I asked why is this showing on my credit report and I dont owe them anything nor have I had the vehicle in 16 years, also it was included in my bankruptcy over 10 years ago. The gentleman stated we never got the car, so you owe. I said the information being reported is totally inaccurate, as the Loan originated 17 years ago and the car was returned 15 years ago. He said it was my problem not his and refused to assist and hung on me several times, now phone calls go to voicemail when I call. This seems like a scam!! I disputed issue with credit bureau, however this is damaging my credit, it has increased my overall debit by XXXX and also dropped my score by 30 points. Please advise how I can resolve this.

Company response to consumer: Closed with explanation