BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A mistake with a transfer placed automatic restrictions on the account. An email directed me to call customer service to address the problem. But the problem, which was pretty simple, required conversations with XXXX different employees and the phone call lasted nearly XXXX hours ( XXXX hour and XXXX minutes ), the vast majority of which was spent waiting on hold. The underlying problem itself was ultimately resolved. But I have never called Citizens Bank customer service and not been told there is an unusually high call volume and to expect a long wait time. ( The audio message said to expect 20+ minutes. ) It is excessively burdensome to expect customers to have to spend XXXX hours on hold in order to resolve simple problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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 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 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 explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$360000.00}.

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 2023-06-27
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I signed up with XXXX and XXXX to freeze my credit because my state ( XXXX  ) XXXX had all of our diver 's license information stolen, along with the last 4 of our SSNs. 

Equifax however could not identify me. So they mailed me a code, which I entered on their web site and they still could not identify me. I then went through an account recovery process that did not work and was directed to call them. 

I called them and answered about a dozen personal questions. They sent me a link to an app to take a photo of my driver 's license, which I did about 10 times, and none of the images were accepted despite the fact that I've worked for a bank doing image verification and know how to capture a good image with my XXXX XXXX XXXX. 

So now my credit is frozen with XXXX and XXXX, but Equifax will not let me freeze my credit. This is ridiculous since all XXXX agencies should have the same information about me. 

This is especially disturbing to me because they mailed me a code via US Postal Service and I entered it on their web site and they still won't accept that I am who I say I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have patiently waiting on their response to the written requests I sent. However, how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here are the list of items which are UKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/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 2019-07-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX Santander changed mortgage servicing companies from Santander to XXXX XXXX. In this transfer/change my account number for my Mortgage also changed. Since XX/XX/XXXX, XXXX XXXX the payment processing company for my Santander mortgage, has not reported this Santander loan to the three major credit reporting agencies of XXXX XXXX and XXXX. 

Information regarding my Santander Mortgage as it currently reports to the 3 major  bureaus is Closed/Transferred Acct # XXXX on XX/XX/XXXX. Technically, this is correct. This account NUMBER was closed/transferred. However, what does NOT show on the reports and what has not been and currently not being reported is Santander Mortgage account XXXX, which is the account the old number was transferred TO. 

I have been receiving statements from Santander account XXXX with correct balances, payment history, and have made on time current payments since XX/XX/XXXX. However, none of this account, it's existence, it's balances, it's payments history, are being reported to XXXX XXXX or XXXX 

I have filed credit disputes with these three bureaus, however they can not dispute an account that in their systems, does not exist. I have been " in complaint '' of this error to Santander beginning XX/XX/XXXX when I discovered the errors. Santander instructed me to direct my concern to " XXXX '' with my details. This department does not allow direct customer contact and forces me to have to speak with a general customer service rep at the XXXX number. These general service reps do not have the ability to speak to the department handling my case. They also insist that they are IN FACT reporting my loan to all three credit bureaus. They are not resolving my issue and there seems to be no one to work with there. 

Santander 's new mortgage loan processor, XXXX  XXXX, is IN FACT NOT reporting to XXXX XXXX or XXXX the loan activity and balances on Santander Mortgage loan XXXX for myself.

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 2023-06-08
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: Information belongs to someone else

Complaint:
The Credit Reporting Agencies are furnishing fraudulent accounts. I have no agreement with these companies and the agencies have no authority to report these acts. 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.

These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. 

I have never given written consent to report any of the accounts listed listed below and should be deleted immediately. You will also find my FTC affidavit attached with this complaint listing these same companies. 
XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : 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 2021-12-17
Company: EQUIFAX, INC.
State: AL
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 been reaching out to Equifax for over 6 months because they are inaccurately reporting a XXXX XXXX Account on my Credit Report! 

The Balance Owed is Incorrect The Account is Reporting as an Open Collections Account ( 120 days late ) - Also inaccurate I have asked for verification methods several times and have simply been ignored. They responded once in XXXX and stated the information was verified but not once have they provided proof! They simply keep stating they do not have to provide such information and that they would no longer investigate this account. 

This is a Violation of my rights! Everything reporting on my report has to be 100 % valid r else it has to be removed. 

The account is also past statue of limitations!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: IN
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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  XXXX XXXX XXXX ] : account # 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 suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX i attempted to deposit my daughters tax check into my Hutington bank account and they put a hold on said check my daughter signed the check over to me for rent and to help her out while she is in XXXX XXXX. i didnt think much of it and deposited other checks without a problem and gave my daughter some money from said other checks a woman that i know was moving and needed allot of help with a storage unit and packing and delivering her things we agreed on XXXX dollars and she gave me a cashiers check which I done research and found its almost guaranteed money so i excepted it and put it in my account as well on XX/XX/XXXX and to this day Hutington has a hold on both these checks they want me to get my friend that no longer lives around here and drive 6 hours to there bank and it can not be done i not only lost contact with her and my daughter is also still in XXXX.. i can see they excepted my checks in my account and even gave me interest that has occurred from my checks please help me get this resolved either have them release the checks so i can cash them elsewhere or give me my money i work hard for my money and just want to spend it thank you for any advice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  Children Hospital as I have no children and have no knowledge of owing a children hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2021-12-17
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I signed up for venmo on XX/XX/2021. I sold a saw to a friend and he paid me {$350.00} on venmo. I added my debit card to my venmo account and tried to transfer my {$350.00} into my card and it wouldn't work. So I then tried to order myself uber eats because venmo advertises you can use your venmo balance to pay for XXXX eats and twice it declined it and then froze my account. On XX/XX/2021 I called and talked to venmo in which they told me I would be contacted by email in XXXX hours. The following day venmo emails me request a copy of my driver 's liscense so I immediately use there upload link and upload my Id. I recieved an email shortly after saying they had verified my identity and I could begin using venmo as normal. So I tried to send {$20.00} out of my account and it immediately froze my account again. I email venmo and once again they say my account is unfrozen so at this point I want my money out of venmo so I contact my bank at XXXX XXXX XXXX XXXX and they tell me I can make the transfer from venmo. I get back on venmos app and attempt to add my credit union through their app with plaid and i get a quick message that says success then the screen displays an x with the words " Something went wrong ''. They had froze my account once again for trying to add my bank account that is in my name. So I email venmo again and this time they send me a message back saying they have permanently XXXX my account and I can no longer use venmo and that I could not transfer my {$350.00} out of my account. They said they were keeping my money and in 6 months they would email if i could transfer my money. I did not violate any of their policies. I opened account tried to transfer money tried to pay for XXXX eats and tried to add my personal bank account and they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Information belongs to someone else

Complaint:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX/XXXX  XX/XX/2022

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