BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( 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 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! 

CHILD SUPPORT 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 2023-10-02
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/23 a credit card was opened fraudulently under my name at XXXX. I contacted Comenity Bank when I received the statement in the mail to dispute as fraud. At the time, they told me other credit accounts were attempted to be opened under my name but declined. They then opened an investigation. On XX/XX/23 I received a collections call from Comenity regarding this account. When I told them that I disputed this account as fraudulent, they told me their investigation came back inconclusive due to the locality of the transactions and so the charges were deemed collectible. The charges made were across the states of NJ and NY, all not by me. The card was maxed out within a week or XXXX and I was only made aware of the card ever being opened when I received the first statement in the mail. I do not agree with the findings of Comenity Bank 's investigation and maintain that this is a fraudulent account and I never opened a credit card or authorized purchases at XXXX in any of the localities per the investigation report. I have requested a copy of Comenity Bank 's investigation report and am waiting to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: ATG Credit, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have ATG Credit reporting on my credit report. I never received anything about this debt ever because they did not have an actual address of mine. They have a college tuition amount due when I never applied to their school or attended their school. I have spent 5 years at XXXX and I had a mailbox at the time this account was applied for now its reporting to 2 of my credit reports and decreased my score tremendously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company called our daughter yesterday and clearly said that they were from a debt collection company, which I have read they are not supposed to do. I have the recorded message from my daughter 's cellphone as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Block, Inc.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used cash app for my paychecks to be direct deposited. On XX/XX/2023 my phone was stolen by an associate of mine. I captured the individual on camera coming out of my house using my phone on XX/XX/2023 at XXXX XXXX at XXXX XXXX there was a code requested from cash app sent to my phone. Then at XXXXXXXX XXXX my cash app pin was reset and at XXXX XXXX  all the money in my cash app was sent to someone I do not know by the name XXXX XXXX XXXX ''. When I woke up and noticed my phone missing I viewed the person on camera with my phone and went to their house and ended up getting my phone back from them. That is when I seen they made the transaction of all my funds in the amount of {$1200.00}. I contacted the police and made a report and made a claim with cash app. Cash app denied my claim saying that it was authorized. After submitting all the information I had to the detective working on my case this person was arrested, charged and prosecuted with the theft of my phone, cash app card, ID and the money in the amount of {$1200.00}. I then submitted another claim providing this information to cash app on XX/XX/2023 and they claim they denied my claim again and sent me an email on XX/XX/2023 but I never received any claim denial from them on that date or any correspondence in regards to the latest claim I submitted on XX/XX/2023. It is clear from the evidence I have that I did not authorize this transaction and according to cash app 's terms and conditions I should be fully refunded for any unauthorized transactions but they are refusing to approve my dispute even with the police report showing the person was charged and prosecuted for stealing this money. I need help with getting this money back. There is no one that will help me with getting this money back from cash app. I have nothing left I can do. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: OH
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 accounts listed below has violated my rights. 

15 U.S.C 1681 section 602A States l 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 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 Suntrust debited my account for XXXX and transferred the funds to my parents account after my parents was already in contact with the bank regarding their account that was overdrawn due to fraudulent activity and the bank advised not to pay fees while it was under investigation. This left my account at a XXXX balance, my entire paycheck had been deposited. At this time that was the only money I had to pay my bills for weeks, I was diagnosed with XXXX and was out of work for the next two weeks without pay. I contacted the bank and they told me at first that I made the transfer myself then said it was internal but could not explain why at that time someone else explained it went to my parents account giving me all the details of their account and what happened which they should not have done. I explained that I had XXXX  and the person was very rude and not understanding. My credit card payments were returned and now this is affecting my credit score I am just XXXX. My mother was able to get the return charges taken off my account however I still have a negative balance due to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Hello, my name is XXXX XXXX, I submitted a complaint before about my Zelle account is banned with no reason. 
I think you might misunderstand about what is happening and what I want.

Let me explain for you, I received an email that said I can not use Zelle anymore from XXXX XXXX XXXX  since I enrolled Zelle with them, and when I tried to contact customer service from both XXXX  XXXX XXXX and Zelle all they said is my information is banned, for no reason. They have no ideas why my account is banned. 
They told me to read the agreement and I after reading, I found that I didnt violate anything on the agreement. So the customer service who helped me said it might be a mistake. Yes I know this is a mistake. 
And the solution I would like you to help me is unban or unblock my account so I can use Zelle like normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 
4. The following status is Incorrect and unverifiable XXXX XXXX XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 8. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, LA XXXX XXXX there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2019-12-02
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
A credit card is showing me as a secondary on the account although I DO NOT have a card, do not know the credit card number or the account number and have never used the card or even had access to a card associated with this account. The card was opened in XXXX by my then fiance. I assumed that when the account appeared on my credit report it was showing in error so when I filed bankruptcy on XXXX I included what card info appeared on my credit report for this account which basically amounted to the card name and address of the account. I recently used XXXX XXXX to check my credit and was surprised to see XXXX  still reporting the card as mine so I called the credit card company on XX/XX/XXXX to ask how to go about removing the info from my credit report and I was told that I was a secondary on a joint account and that I could not remove myself. I was also told that adding it to my XXXX bankruptcy did absolutely nothing to rectify the situation because I was not the primary card holder on the account. The primary cardholder keeps his balance very close to his credit limit and in turn it shows on my credit as using a very high amount of the credit available to me which I dont think is fair to me seeing as I did not use the account to incur any of this debt that I am now being told I could be held responsible for with no way to remove myself. I'm being told that this is possibly a form of identity theft seeing as I was never consulted by my then fiance about opening this account jointly. And I am also being told that since I am only a secondary I may not have as many rights in working toward a resolution.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ordered a copy of my report in XXXXXXXX XXXX on XXXX I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe where reporting in error. 


XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$26000.00}

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 2022-01-11
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RADIUS GLOBAL SOLUTION MADE AN ATTEMPT TO COLLECT A DEBT ON XXXX FOR XXXX XXXX XXXX FOR AN XXXX  VISIT ON XXXX OF XX/XX/XXXX IN THE XXXX, AL. BALANCE OF OVER $ XXXX I HAVE NEVER LEFT CALIFORNIA. 

I HAVE HAD ISSUES WITH IDENTITY THEFT AND THIS CITY AND STATE ALWAYS COME UP. 

I HAVE NEVER RECEIVED A BILL FROM THIS COMPANY BEFORE OTHERWISE I WOULD HAVE REACHED THEM DIRECTLY AND THE INFORMATION THE COLLECTION COMPANY HAS IS PUBLIC RECORDS THEY ARE ABLE TO OBTAIN USING MY SOCIAL AND BIRTHDAY.

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 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. BK OF AMER Inquired on XX/XX/XXXX, BK OF AMER Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy 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 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
CAPITAL ONE NEW ACCOUNT! Call to report fraud. So they say that i need to recieve text messages. Ok, for verification. Ok. My another number doersnt work because iphone was not charges. and when i charges my phone there a lol text messages from them. i call again and they said wait XXXX weeks for your id for say ok. I WISH YOU THE SAME SITUATION IN NYOUR LIFE! i talk with the manager on the phone tin idk, he was rude

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account # 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 non-monetary relief
Consumer complaint received 2018-10-04
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/XXXX and XX/XX/2018 my credit was ran for SYNCB without my authorization and knowledge. I now have two hard inquiries that state that it will be on my credit report for two years, and it also lowered my credit score. I have never applied to this bank. I contacted SYNCB and I was told that I had to dispute it with the credit bureau, that they could not help me.

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 2022-01-11
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i am locked out of all reports they HAVE THE WRONG INFO and i can not get into my file i have sent in this request in the past and nothing they say one thing there do another

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 2021-10-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
Misreporting mortgage account status to my credit reporting agencies. Due to the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) Mortgage Payment Forbearance. I was forced to apply and was approved by BB @ T Bank now called XXXX Bank. I was told that my credit was not going to be affected. Now I can not get a simple credit card of XXXX approval because of the report from BB @ T ot XXXX, XXXX etc. I believe I am being punished by the bank for being in forbearance.

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 2022-01-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out to Experian and requesting information such as, my consumer file in which I have yet to receive a response. 
Experian is in violation of my rights as a federally protected consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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