BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX  XXXX XXXX ( XX/XX/XXXX AMOUNT {$1100.00} ) XXXX XXXX ( XX/XX/XXXX AMOUNT {$11000.00} ) XXXX XXXX XXXX ( XX/XX/XXXX {$1400.00} ) XXXX XXXX  XXXX XXXX ( XX/XX/XXXX AMOUNT {$1200.00} XXXX ( XX/XX/XXXX AMOUNT PAID/CLOSED ) XXXX ( XX/XX/XXXX AMOUNT {$1400.00} ) XXXX XXXX XXXX XX/XX/XXXX, {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of XXXX my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately.

15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXX XXXX, XXXX A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF XXXX  15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805

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 2021-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Bread Financial Holdings, Inc.
State: NY
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  account account # ending in XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this with the urgency to bring to your notice a concerning issue related to the presence of fraudulent personal information and unauthorized inquiries connected to my identity. After a review, I have observed that specific information have been erroneously linked to me without my permission. This has caused me great distress and raised serious concerns. Unfortunately, I have fallen victim to identity theft, which has necessitated me to take action and report this incident.

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 2023-12-11
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/ I sent Experian a letter to update my personal information. 
According the the latest credit report, this information remains incorrect

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 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023, I received a notice alert on my ID Theft Protection account about a new Kohl 's card account opened under my name on XXXX XXXX. I also received a letter from Kohl 's confirming the said account and congratulating me for approval. I never applied for any Kohl 's card, never had XXXX and I rarely go to the said store. Luckily the card hasn't been used. I reported the said fraud to Kohl 's and I was told they'll close the account. I also called my ID theft Protection ( provided by XXXX card ) to report and put fraud alert on my name. I did same through XXXX credit bureaus. I also froze my credit report. There should have been an extended XXXX fraud alert on my name from last year 's incident bec same thing happened to me but XXXX denied receiving the police report. If the extended fraud monitoring was placed on my name, I believe this should have been prevented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer 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 2023-11-16
Company: Incomm Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a Vanilla gift card for {$100.00} in XXXX of XXXX. The card number was unreadable, so I contacted by phone the phone number provided on the card. They provided me with a case number of XXXX. I sent them all the documents requested and was told that it would be looked into. I called three times for status and finally on XX/XX/XXXX I was told that it would take another 30 days to issue a replacement card. On XX/XX/XXXX I received the replacement card with a " XXXX '' balance. I called to activate the card and check why it showed the " XXXX '' balance. I was told that I needed to start all over again and resend the same documents I had already sent. I then contacted XXXX via their chat line and explained all that has occurred and was given lots of " I am sorry for all this you are going through etc. " This conversation went on three times and finally I was told to contact CFPB. All I want them to do is send me a new gift card with the balance of {$100.00}. They have all the information they need to do so. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: C B Merchant Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector : C B Merchant Services. Tel XXXX Address : C B Merchant Services, XXXX XXXX XXXX, XXXX, CA XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX  Account # XXXX Amount {$200.00} I had XXXX in XXXX, my deductible amount was paid and settled with the doctor 's office XXXX. XXXX XXXXXXXX XXXX XXXX has then retired and closed the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
CFPB- I come before you on XXXX day of XX/XX/XXXX with major concerns/complaints that USAA et a. May have, still is, will continue to breach contracts, commit violations, securities fraud by withholding necessary information from the holders. XXXX XXXX is the signer for most forms. The form that is misleading is the XXXX form the form where you seek to find the process to execute a new issue with indentured trustee which in this case is XXXX XXXX XXXX. After sending several registered securities without any acknowledgment thus far to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. After calling XXXX XXXX I was told what I was given was completely incorrect and everything I did was null/Voided and was shortly given the correct procedures. 
- From my understanding USAA doesnt know where the titles of my cars are located nor have they try to secure them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is reporting unverified student loan accounts and medical bills of over {$80000.00} on my credit report. I initially contacted Equifax, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally not conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 
Equifax responded to my request for a signature bearing document with a letter ( See attachments ) stating the debt was verified and it belonged to me and sent me a copy of my credit report. None of the information provided by bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 3 ) to request a signature bearing document as proof of this debt but never received a response. 
Information reported by the 3 major Credit Bureaus vary greatly and makes it very difficult to trust the validity and accuracy of the information provided by Equifax, XXXX, and XXXX. Case in point both XXXX, and XXXX  have investigated the medical bills on my account, deemed the information unverified and invalid, and removed this accounts from my credit report. Yet Equifax continues to display this unverified debt on my credit report in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
In regards to the student loan debt being reported, the Dept. of Ed/XXXX is the company that is reporting on my credit report yet the accounts have been sold to a debt collector XXXX XXXX XXXX. However, the information on my credit report shows that I have XXXX Late payments and the accounts are in good standing. How is this even possible with the accounts in collections? 
This serves as proof the information being reported on my credit report is not accurate nor is being properly verified. The practices of the aforementioned companies are highly predatory and violate both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a paypal account in XXXX of this year and linked it to my checking account. unfortunately, before I could even use the account for what I intended... someone fraudulently took money from my account through paypal XXXX. On XX/XX/XXXX " XXXX '' took {$500.00} and then {$200.00}. The name of the recipient was listed as XXXX XXXX XXXX and the listed email is XXXX. I attempted to request the money back by messaging through paypal telling him that the fbi  would get him if the money was not returned and the reply I received was " Hello, good afternoon. I hope you are well. I will tell you that your payment was for technological items and the shipment was made the day after payment. If you have any major problem, tell me and we can come up with a solution, since your payment was directly from your Mind you, can you tell me what happened in more detail? '' which was very untrue, I never received anything from this person or website. Now when I tried to respond to this message, it says I am no longer able to message them... very suspect. I have attempted to dispute these transactions twice with paypal and on both occasions, my dispute was closed without satisfactory explanation. The first dispute was closed stating a " history of similar transactions. '' The account was just opened and there were no transactions prior to or after these XXXX fraudulent charges. I then had the dispute reopened, only to have to contact paypal a week after their deadline for resolution and find out the dispute was closed without any notification. After contacting paypal, I was told that I could request the documents used to determine their decision, which have done, but don't expect much help from paypal. I'm at a loss of what to do with this grossly fraudulent situation. I will definitely no longer give anyone access to my account but being a poor college student, {$700.00} is a lot of money... thank you for any help I can get with this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Recently, when I reviewed my credit reports, I discovered two accounts that I did notrecognize : XXXX XXXX ( Account Number : XXXX ) and BARCLAYSBANKDELAWARE ( Account Number : XXXX ). I recall losing my walletyears ago, which contained my driver 's license, social security card, and credit card. Isuspect thatsomeone might have used this information to fraudulently open theseaccounts. I need assistance in removing these unauthorized accounts from my creditreport.

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 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I do not owe. See the attached copy of the receipt as account being paid.

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 2023-11-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This past spring I received a mailer from Truist Bank offering a sign up bonus for new checking accounts. I went into their XXXX XXXX location and opened that account. While I was there, the banker informed me that I could get an even larger bonus if I set up yet another account. Which of course I did. I have many emails back and forth with that banker assuring me that all was well. No bonus ever hit. The manager gets involved. She claims to have taken it further. Still no bonus. It seems that the original banker did not know the terms and conditions and the bonus wasn't paid as the account was set up as my personal trust. I certainly think that people should be aware that they do not stand behind misinformed employees. Good thing I only brought them six figures and not seven! Obviously, I'll never do business with them again. Fascinating that I found a XXXX group that just talks about Truist Bank complaints.

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