BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/16 Found out my SunTrust bank in XXXX  XXXX XXXX, Florida had merged with others and because one of my beneficiaries banks at Sun Trust in XXXX, Georgia that was changing to XXXX XXXX  they snagged my account and were getting ready to send it to Georgia. I contacted my bank here and said no I did not want my account moved. They said I had no choice. I said you mean my beneficiaries take precedence over me. 
That makes no sense. Is using a Social Security number like that legal? 
The same thing happened to my aunt. 
It was going to happen on the XXXX. I ran to the bank and closed my accounts. After I closed my account I checked online and had XXXX cents left in one account and XXXX cents left in another. This morning I got emails saying I had two overdrafts. One in each account and owed the bank XXXX on each account and must take care of them immediately or other charges would be added. 
One of these accounts was a savings account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a XXXX from my XXXX account on XX/XX/XXXX and Thrust bank will not release the funds until XX/XX/XXXX. I issue a check for a deposit on a home for XXXX on XX/XX/XXXX now the check will not clear the bank... I called two bank managers and explained the problem and the funds are still being held although the funds left my brokerage account 7 days ago. 

REGARDS, 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 2023-01-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2019-07-07
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection reporting on my credit for an account that is not mine. The debt appears to have resulted from a medical account that I did not authorize. I have no knowledge of this debt nor have I given anyone else consent on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: SC
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 sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today to block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
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:
XX/XX/2020 XXXX XXXX XXXX XXXX I got an alert from credit wise a company that reports to the credit bureaus of data breaches Transunion XXXX and XXXX filed to notify me that my information was used on the black web or of any suspicious activity or potential identity theft The photos attached will show that my social security number and email was breached Or found on the dark web It also shows address numbers and zip codes that are in no association with 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 2020-02-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I reset my online account password for security purposes. Immediately the site asked me to verify my identity. After several attempts, I called BMO Harris Customer Service Technical Support. They sais " their system is down '' as an explaination, and then hung up the phone. I couldnt help thinking there was internal criminal activity going on.

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 2023-06-07
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA 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 2019-07-07
Company: Riverwalk Financial Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/19, XXXX/XXXX/19 and XXXX/XXXX/19 I have submitted multiple disputes with the creditor and the credit bureaus regarding an inaccurate debt reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Filed by : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Complaint Filed against : Lakeview Loan Servicing , LLC ( XXXX ) XXXX  XXXX of XXXX id # XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX FL XXXX Complaint Description : Lakeview Loan Servicing , LLC ( NMLS # XXXX ) Cashed cashiers check and after stop pay was placed, checks were lost. I replaced payment XX/XX/2020 Post office lost mortgage payment & escrow short, sent notification Of lost payment to XXXX by phone & email to. Lakeview Loan Servicing , LLC ( NMLS # XXXX XXXX XXXX Compliance Department Director ) XXXX@lakeviewloanservig.XXXX   XXXX XXXX ) XXXX ( direct ) ( XXXX ) XXXX ( fax ) Lakeview Loan Servicing LLC to reverse and back out those payment that had a stop pay by XXXX XXXX and refund those amounts of both cashiers checks. My house is currently under Refinance because they have caused so many problems not know what they are doing, I don't want nothing to do with them. They started buying my loan in bulk, not reviewing it to know that it showed {$950.00} and my mortgage payment to increase by almost {$100.00} per month. They had my loan 6 months before I knew about any shortage. I am a service connected veteran who is retired. I am on a fixed income and can not afford for this mortgage to make these kinds of errors. They shortage figure kept being incorrect, after 2 months and my payment being lost by the post office, they still never got the figures correct. This is the saddest operation that I have ever seen. I keep them involved regarding the entire process of when the post office lost my 2 payments. I gave them a signed affidavit from the bank the casheir 's checks were drawn on. They still cashed checks that had Stop Payments on them, even though I had replaced the mortgage check for XX/XX/2020. I don't expect my complaint to go away, I expect someone to take some type of action. This should have not occurred and gone this long.

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 2019-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, my name is XXXX XXXX XXXX and I can not seem to fully use all of my credit cards full credit line of {$300.00} plus paid an extra {$25.00} extra and for some reason charged an extra {$10.00} fee out of know wear. My credit card company is Capital One and their phone number is as follows XXXX XXXX XXXX XXXX, and my credit card number is XXXX XXXX XXXX XXXX. Capital one employees stated that my credit card would be ready to use at XXXX XXXX and it was not. Is their some help for me my Social Security Number is as follows XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions 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:
I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : XXXX/XXXX  XXXX   XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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:
I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : XXXX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  reference # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 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 non-monetary relief
Consumer complaint received 2019-07-07
Company: EQUIFAX, INC.
State: GA
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:
I have called and emailed letters to XXXX XXXX XXXX XXXX in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased an item for about {$100.00} using Paypal as that was the only way seller accepted payment. Turns out the seller was a scammer, he never sent me the item I paid for, he never responded to any of my many attempts to contact him by phone or email, he diconnected his phone, he opened up an identical scam on another web page again using Paypal. Paypal made it very difficult and time consuming for me to get a refund. 
Paypal send me a tracking number for the item and said that was proof the item was sent and I would likely not get a refund. Paypal never followed up to investigate the tracking number and to learn from the shipper that the item was never sent to me, that the item weighted less than 2 pounds rather than the 50 pounds it weighted, that the item was never sent by the seller. Paypal refused to speak to me on the phone after numerous attempts to contact them, Paypal did not respond to my questions asked on their chat line ( the only method allowed to contact them ), Paypal dragged the case on for weeks with no refund, Paypal finally offered a refund and the reopneed the case the next day. Paypal told me to get documents from the shipper when they did not exist. I felt Paypal was working only in the interests of the seller. Paypal customer service is non existent and they would not send me transcripts of all my contacts which had to go through them. After dozens of chat contacts, hours on the phone with no success, I finally got a refund but they still refused all efforts to learn more about the case. No wonder scammers seem to prefer to go through Paypal. I was never assigned a case number, the tracking number was XXXX and merchant was XXXX Paypal told me to contact their legal department if I had any issues with them. They had no effective or responsive customer service and left the customer totally out of the loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS LISTED HAVE TARNISHED MY CREDIT, MY SSN, MY NAME AND HAVE CAUSED SERIOUS DAMAGE REPORTING INACCURATE TRANSACTIONS ON MY CREDIT REPORT. I AM DISTRESSED THAT THIS IS HAPPENING TO ME, THOSE INACCURATE ACCOUNTS HAVE MADE IT SO HARD TO ACQUIRE NEW CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORIES REMOVE OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS LISTED HAVE TARNISHED MY CREDIT, MY SSN, MY NAME AND HAVE CAUSED SERIOUS DAMAGE REPORTING INACCURATE TRANSACTIONS ON MY CREDIT REPORT. I AM DISTRESSED THAT THIS IS HAPPENING TO ME, THOSE INACCURATE ACCOUNTS HAVE MADE IT SO HARD TO ACQUIRE NEW CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORIES REMOVE 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 explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
As of XX/XX/2023 i notice when XXXX XXXX XXXX as known as XXXX pulled my report they have accounts that isnt showing on my actual report anymore which is considered a violation of bein unfair of reporting falsley information and inaccuracy... however the accounts that they have showing is showing late payments and that is inaccurate fasley information which is a violation under the fcra act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
I did not initiate these Accounts and I believe they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
NAVIENT is in direct violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My complaint is very simple, once I am granted a deferment on any student loan, NAVIENT automatically reports the account as 90 days late. Now how can that be without a 30 and 60 day late payment history before it. It 's because NAVIENT uses the credit reporting system illegally, using it as a means to destroy a person 's personal credit history without merit or recourse. This practice has been consistent for decades, and I will seek private counsel to file suit if necessary. My student loans are now and have been in payment deferment since I obtained them. 
NAVIENT IS VIOLATING MY FCRA AND FDCPA RIGHTS. I DEMAND A CFPB INVESTIGATION ON THIS ABUSIVE CREDIT REPORTING PRACTICE TO CEASE THIS ACTIVITY ON AMERICAN CONSUMERS!!! 
NAVIENT MUST DELETE ALL NEGATIVE CREDIT HISTORIES ON ME IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called all three bureaus about inquiries that were not known to me. Equifax suggested that I file with the FTC and send them a copy.

Company response to consumer: Closed with explanation