BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
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: Information belongs to someone else

Complaint:
The recent breach of Equifax has allowed someone access to my personal information, and XXXX of my credit cards was used for unauthorized purchases. I never consented for this or any reporting agency to have my information in the first place. Now it has been stolen because of their poor security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: CA
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 following accounts violated my rights... 

-XXXX XXXX XXXX ( {$19000.00} ) -XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX {$8300.00} ) -XXXX XXXX # XXXX XXXX15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.

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 2020-12-21
Company: Experian Information Solutions Inc.
State: TN
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:
The following inquiries were not authorized by me. These inquiries were done without my knowledge or approval. The inquiries I did not authorize are all the inquiries from XX/XX/XXXX to XX/XX/XXXX. I reviewed all of the inquires during that time frame and I did not initiate or authorize any of them. I am attaching identity documents to this complaint.

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 2021-01-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-04-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My XXXX and PIN was stolen and the thief was able to complete two XXXX transactions totaling {$1000.00}, taking money out of my checking account. TD Bank denied my initial fraud claim because face ID was used, according to the app. But the thief could have changed the settings to recognize his face. I have filed a police report and submitted it and a second fraud report to TD.

I am filing this complaint because TD Bank is refusing to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: ALLIANT CREDIT UNION
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Alliant Credit Union services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Netspend Corporation
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the past 3 weeks Ive been trying to access my funds but this bank froze my account asking for verification of my id, social security and address. I sent pictures of my passport, social security card and my SSI award letter with my address. I am currently living with a family member since I am on XXXX and can not work so I have no bills or paystubs with my address. This bank wont accept my award letter and will not allow me to get my only money to live. They are discriminating against those that relay on family to live with. How can I show my address on a bill when I dont pay any. Im 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 2020-04-24
Company: Experian Information Solutions Inc.
State: NY
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:
as previously stated, I am a victim of identity theft, there are fraudulent account on my personal 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 explanation
Consumer complaint received 2022-04-01
Company: Accelerated Servicing Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX debt collectors keeps calling and texting me. I keep blocking the calls. I refuse to give them any personal information by talking to them.If they dont have the information then its not legitimate. I see many complaints about these people online. I have never received any kind of billing from them. I watch my credit all the time so i am assuming its XXXX XXXX debt collecting on a debt that has passed statute of limitations. I want them to stop and desist I have no debt with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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: Account status incorrect

Complaint:
The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXX XXXX Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by XXXX, Experian and XXXX. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.

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 2021-11-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/21 I received a call from XXXX XXXX XXXX saying they were attempting to collect on a debt owed to Macys in the amount of {$3000.00}. I told the caller that I dont have an active account with Macys and havent for years. I told him I would dispute any debt. I have received numerous calls from XXXX XXXX Solutions although they never leave messages. I called Macys and spoke with their account services and they confirmed that I dont owe them anything and I dont have an active 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 2019-02-09
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:
I received a letter on XX/XX/XXXX stating my accounts were being closed with no explanation. The letter stated I had until XX/XX/XXXX to reconcile all banking activity. This left with 5 business days with the weekend and the holiday within that date range. On XX/XX/XXXX after inquiring about the situation via telephone I was informed that my account was frozen and I could not have access to my money. No transactions or automatic payments would be completed which I had intended to be resolved before the XX/XX/XXXX deadline. At that time I had an automatic debit in process for my mortgage and a loan payment due on the first of the month. I was not given an appropriate amount of time to insure these payments were secured. On that same day I was also denied access to my online account which stopped me from being able to view any transactions in process. I was not able to determine if payments of my loan had been processed. I also have a joint credit card with my daughter who is a college student in Florida. I inquired if that account was also targeted and was told there was no information relating to that being it was a separate entity. On XXXX my daughter was denied use of the card and on XXXX I received a letter stating the credit card account was also being shut down. I am completely appalled that a bank can have such unfair practice and control over my money without proper notification. Not allowing me access to my money seems unethical if not illegal. I was never given an explanation for these actions and was told it was not my right to know. I have been a customer for over thirty years and have never had any issues with any of my accounts. In conclusion I am asking for an investigation into this unfair practice. I would like to know that a bank can not take control of someones money without god cause or a reasonable amount of notification. I feel that a thirty day notice is a reasonable amount of time to reconcile or banking  transactions and it should be my right to refute any information used against me to cause my accounts to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: CA
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 following accounts violated my rights... 

-XXXX XXXX XXXX  ( {$19000.00} ) XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ) XXXX XXXX # XXXX XXXX15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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:
Transunion claims they verified a {$130.00} charge off on my credit report. as you can see in their response, they did not provide how this was verified even though i specified that request in my letter and wanted to see a contract from this company with my name on it. This is the third time with problems with trans union. why are they allowed to bend the rules? for instance, that same {$130.00} was first reported in XX/XX/2019. However transunion is allowing this company to update it every month, then transunion reports it as a new collection every month. it does state age of account is 2yo but it still gets listed as new every month. This is ridiculous.

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 2017-10-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Today, I received an alert from Trustedid ( free from Equifax ) that I had suspicious activity on my credit report and that I should log in to my acct to see what it is. 

After spending an HOUR tracking this down, I now know that the alert is for the closing of a credit card that was closed in XXXX!! On my Equifax Credit Report, all account names are not listed. Had the name of all the accts on my report been listed along with the beginning numbers, I would have had better insight into tracking this down. 

I got to the bottom of this by retrieving my XXXX credit report, matching up the account number with an account on my Equifax report for which the name was missing. Then, with account name matched to account number, I was able to match it up with the alert I received. So an account that was closed in XX/XX/XXXXwas just yesterday updated at Equifax. 

Given this extreme and unacceptable delay in processing information ( nearly a decade late ), I can see how this firm was hacked. Unless there is some reasonable explanation for this kind of delay. I just do n't know. 

Another issue with Equifax credit report : on mine, it lists all kinds of accounts, most of them closed, but the report does not state that they are closed. XXXX, in comparison, states that they are closed and gives the date. 

What I really want is to opt out of having any and ALL of my information stored or shared by anyone, forever! This should be my choice. This is my information, and I should not have to be put through all this mess. If I ever do decide I want credit, I will do the work to obtain information that is needed, in writing, the long way. This should be my choice. I have saved money and worked all my life, and I do not want to have to spend the rest of my days looking over my shoulder, and creating yet another login to keep track of, all because I am not given the option to NOT allow my information to be stored by these credit reporting agencies. I have a feeling this is not so simple, and genie can never be put back in the bottle. But this is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My mortgage lender has been unable to pull data from Equifax. They need a trimerge report, they have tried with different companies like XXXX XXXX and have unable to. I myself have tried XXXX and XXXX  and Equifax comes back as blocked. 

I have called Equifax over 3 times and they have informed me, that there is no block or security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX, Experian, and XXXX are all reporting late payments from XXXX XXXX bank on dates XX/XX/20, XXXXXXXX XXXX on dates XXXX, and XXXX XXXX XXXX on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a 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 explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX, 2017 I had checked my TU credit score whether I saw there are a few non authorized inquiries in my credit report, which do n't show on my other 2 reports. I contacted XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, all to get the run around on this issue and my other issue. My other issue being that I could n't log into my TU account to check to see if anything else was there that I should see. I was connected to reps and a supiervuour that all gave me the run around on both situations making them no help.

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 2022-04-01
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Fort the past 10 years or more, with New Rez and before them Green Tree we have been under shortages. when I complained they said the payments would go up again in XXXX from XXXX to XXXX, Then it was said to lower this pay them XXXX. Then I get a letter the following week saying they never got our payment and I have never been late. when I called up there it said it was there I mailed it before the first..They added late charges as well of {$20.00} my problem is Escrow and shortages that come every spring like clockwork plus charge me the amount of XXXX when the money is there, I called them even though they said we could pay $ XXXX. XXXX I don't trust something is wrong. we will see what happens when we pay overnight. XXXX XXXX XXXX. Need someone to check their balance and why shortages every spring

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Hello. 

In brief, I have been a loyal Capital One CC holder for many years. I have XXXX cards with them and never missed a payment once. 

About XXXX years I downloaded their app and engaged the auto-payment feature. During XXXX and XXXX of XXXX it came to my attention that I had missed XXXX payments on of the cards. XXXX because I was n't even alerted to the first. This was impossible as I was enrolled in auto-pay. 

I learned that my interest increased by {$1.00}. That 's right {$1.00} and because of that my minimum increased by {$1.00}. The autopay did not account for that. Therefore, because I did n't pay the new minimum due-I was late! 

After researching this I found that this auto-pay feature is deceptive, not easy to use if you are n't told in detail how it works, and that many on time paying customers also have had damage to their flawless payment history due to this deceptive feature. 

I am intelligent person. I am a loyal customer and I pay all my bills on time. The damage this has caused to my credit was severe. All for a {$1.00}. And most importantly because they designed this feature to be deceptive and to their benefit. How much money did they make off defaulting people 's interest rates to max because of this shady feature? Millions I 'm assuming. 

What 's worse is that they have admitted that the feature is in fact confusing and that they had to deal with many calls such as mine-but there 's nothing they can do. Which is a lie. 

I truly feel like they are getting away with fraud to a degree. At least some form of profitting from taking advantage on their customers. I hate to use this term but it 's not fair. 

Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation