BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX at approximately XXXX pm XXXX XXXX logged into my accounts online at US Bank and noticed my checking account had a {$1500.00} withdrawal from a branch in Minnesota. I live in Illinois and was logged in from XXXX I called the bank and they immediately flagged this as fraud and froze my account. They notified me that this was done at a teller at the branch. 
I reported things properly, filled out their forms, emailed them and hard-copy was mailed. 
I have asked for my money back- which was given fraudulently and negligently by THEIR employee. 
Their fraud liaison dept removed my now closed account from my online viewing so I have no ability to look at anything historical on my account- without asking them for statements. I've been a clients for XXXX or more years. 
To get my money back BEFORE they finish their investigations and protocols, I have to ask my branch manager here in XXXX, IL for a " provisional credit. '' I called first thing this morning spoke to a rep at the branch and left a voicemail for the manager. He never called 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 monetary relief
Consumer complaint received 2021-01-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Citizens Bank. Due to Covid 19, I entered into a forbearance plan. On XX/XX/2020 I phoned the bank and requested to be out of forbearance, agreeing to a balloon payment at the end of mortgage.. On XX/XX/2020 they told me it was accepted. Thats a 2 month delay! I have been regularly making my monthly payments. Although they said they sent me a letter about the plan ending, I never received anything by mail or email. I have called them NUMEROUS times requesting the letter because I am refinancing my mortgage and I need proof of being out of forbearance. The phone calls have been to no avail. The representatives are all in XXXX on internet phones and I can not understand them due to poor connection and language. I have repeatedly asked to speak with a supervisor in the USA. On three occasions I was promised a callback that never came. I need this to be resolved ASAP so I can settle my refinance. I am beyond angry and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Credit Karma, LLC
State: NJ
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:
Upon my first time ever checking my credit back in XX/XX/XXXX, I noticed that there had been a hard inquiry on my credit, -now-removed- that I did not make, nor did I authorize. I had also noticed, that there was, and is currently an address on my credit report that I have never been associated with, and do not know of. 
Additionally, my birth date does not show up on my credit report. 
None of this could have possibly been me, as I was only XXXX years old at the time, and had never checked my credit, or applied for loans or credit cards of any type before. The reason that I had not reported this situation at the time of noticing the issue is that I was was not aware that it could be potential fraud, and had no further advisement as far as credit goes. 

Upon re-checking my credit in XX/XX/XXXX, now with more knowledge, I realized that there was still an incorrect address, no birth date, and that the hard inquiry had been removed from my credit report. However, I'd still like to dispute this and solve these issues. 

All in all, I've had an unauthorized hard inquiry, and still have an incorrect address, as well as a missing birth date for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Last week, around XXXX, i noticed a strange charge on my XXXX  unemployment card, it was for a gas station in XXXX, i have not been to XXXX  in over 2 years, i called the gas station and they told me to call my bank. The next day there was another similar charge for a XXXX  gas station, i changed my pin and followed the online prompt to label my card as stolen and get another. In the mean time I could not access half of the phone menus because I had no card number, after getting the card I can not get in touch with anyone over the phone, and neithet the app nor the website have a way for me to dispute the charges. 
The website says that customer service is 24/7 but I have been on hold waiting for the next customer service agent for over 3 hours at one time. It seems that either the company, way2go card, does not care about their customers, or someone at the company is stealing the information on cards and then making sure victims don't get through to customer service. 
The total amount of losses is XXXX to XXXX, i cant get anyone to help me figure the fraud out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: ENCORE CAPITAL GROUP INC.
State: AR
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 recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX and XXXX both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX  failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX   WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately for they are greatly harming my credit. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. I did not authorize these inquirieXXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. I did not authorize these inquiries XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current

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 2021-05-08
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions Inc.
State: IA
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 filed a dispute on XX/XX/21 about inaccurate information in my credit report. I have never done business with the company for the account in collections. I have no paperwork or documents because this isn't my account. I have never been contacted by a collections company either by phone or mail because this is not my debt. It was not brought to my attention until I applied for a home loan. I filed the dispute with Experian about the negative reporting by XXXX XXXX. This either has to be identity theft or the wrong person.

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 2023-02-14
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up a XXXX XXXX  checking account and funded {$50.00} with my Ally Bank Debit card. Ally Bank processed the transaction as 4 transactions ( credits and debits ). The first transaction was on XX/XX/XXXX and {$50.00} was withdrawn. The second transaction was on XX/XX/XXXX and {$50.00} was credited back. The third transaction was on XX/XX/XXXX and {$50.00} was withdrawn. The fourth transaction was on XX/XX/XXXX and {$100.00} was withdrawn. The net effect is that {$150.00} was withdrawn yet only {$50.00} was transferred to my new XXXXXXXX XXXX checking account. Ally Bank needs to credit my checking account back the difference of {$100.00}

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 2020-07-26
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:
To Whom it May Concern I notice an Account That is On My Credit That I did Not Authorize. I did Not Give Anyone Consent to Open Any Accounts On my Behalf. This Is fraud I would Like To Have this account Block and removed Off My Credit 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 2021-05-08
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have XXXX and need to have my blood tested every six months this is a covered XXXX expense plus I have a supplement from XXXX XXXX that covers what XXXX does not cover the lab XXXX somehow didnt submit the proper information when billing XXXX I subsequently sent them all my information more than once. They then turned it over to a credit reporting bureau collection agency it was about two years after the blood sample was taken. 
I also wrote them to dispute this amount from the Credit collection company and they ignored my dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I order a key for specific trunk and paid a total of XXXX to moneygram to pay for key at individual request on XX/XX/. Once I found out he wasn't shipping key I immediately requested a refund on my credit card through moneygram.onXXXX. I have heard nothing from moneygram on my refund. The person does this quite frequently. 
Name/s used ; XXXX XXXX or XXXX XXXX and XXXX XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: VA
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:
N accordance with the fair credit reporting act 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 fumish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-02-05
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We live in XXXX, TX near XXXX  and was our house was flooded during hurricane Harvey. Our mortgage was through XXXX XXXX XXXX. They granted us a 3 month forbearance which would of been up in XX/XX/XXXX '. During our forbearance in the beginning of XX/XX/XXXX ' they sold our loan to Freedom Mortgage. I contacted Freedom to discuss the forbearance which they were aware of. We sold our house and paid the loan off in full on XX/XX/XXXX. In XX/XX/XXXX' we received a letter from our credit protection agency stating Freedom Mortgage filed a 60 day late payment to both my and my wifes credit. We contacted Freedom and the person we spoke with told us that the report shouldn't of been made and they would take it off. 30 days later we received a letter from Freedom stating that the filing was correct. We contacted Freedom Mortgage again and they again stated that the filing was incorrect. We are trying to get financed for a pool and this negative reporting has wrongly lowered our credit score over 50 points. They keep telling us that they will correct but have taken too long to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: PA
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 COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. Also, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. 
The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, INC.
State: PA
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 XXXXXXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXXXXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature. 

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing. 

XXXX XXXX XXXXXXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.

Company response to consumer: Closed with explanation