BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Bread Financial 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:
please removed these accounts 1. Identity Theft XXXX XXXX XXXX Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft COMENITYCAPITALXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MI
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  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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX,, XXXX 
Experian.. 
All are reporting different things on my credit reports I tried to dispute but they won't dispute these things on my credit reports, I informed them that I am not aware of these accounts and have no knowledge And they still are showing on my reports.

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 2021-07-01
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello! I traded in a vehicle & the old auto loan was paid in full  on XXXX and it should have updated with a XXXX  balance in XXXX as it was paid in full before the billing cycle for that month closed out. It's now been a month and a half now and they still haven't reported as paid in full after I've made 5+ requests. Please have them report this as paid in full immediately, 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 2021-11-02
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2021 of this year. I had to file a police report due to the fact that my house was broken into. Upon examining what was taken I realized my wallet was stolen with my PayPal cash card, my drivers license, social security card and my laptop with all my passwords to my account, also some jewelry items I had at the time. Due to this issue I have dealt with a lot of issues with Identity theft. My PayPal account was hacked. My XXXX  was hacked. 

I contacted the XXXX Sheriffs Department, filed a police report and was advised to contact XXXX  to delete my account and that I would need to contact PayPal and inform them of any issues with my account and that they would investigate the issues surrounding the burglary. I was finally able to have my court case and the perpetrator arrested who unbeknownst to me was a neighbor who lived 2 doors down from me at the time of the incident. 

Working with PayPal I had to submit a claim due to activity showing money received by from the Department of Labor in XXXX State was being posted was then immediately transferred to multiple cards that the perpetrator had attached to my account. I immediately contacted PayPal again. 

I was able to change my email, phone number and information on my account and had secured my account. During this time from XX/XX/2021- XX/XX/XXXX I didn't have access to my account. After submitting my claim. I was informed to supply documentation supporting my claim. I supplied a police report and docs from the court. I was informed by PayPal a few days later PayPal closed the claim ( XXXX ) and I was refunded {$3700.00}. Due to the fraudulent activity PayPal has limited my account permanently to the point where I cant access the refunded funds holding me liable even though the claim was won in my favor. 

I contacted PayPal XXXX and was advised that they would allow me to add my card or bank to withdraw the funds. I have contacted support and was advised even though PayPal corporate informed them to add my card and/or bank so I would be able to access the monies stolen from me. That I would need still to wait another 6 months to receive my money even though I have waited for the outcome of this issue. This is unacceptable! 

Why should I or anyone have to pay for the acts of a criminal? All I want is PayPal to acknowledge that I did win my claim, remove the limitation on my account, allow me to attach my card, bank to transfer my money out to me or send me a refund by check and to close the account. I have attached a screenshot of the message showing the message received from PayPal stating they would allow me to have my funds and then the next minute say sorry you have to wait 180 days. I also submitted a claim to the XXXX XXXX XXXX *see attached*

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
Truist bank has open several accounts in my name checking and savings, these accounts are fraudulent I did not open any of these accounts, I am now asking Truist to settle this matter by paying for damages, my name and information has been leaked and compromised, this information was leaked on the dark web and my information was used to give you an idea, the IRS has informed here last year XX/XX/2022 a scanner filed a fraudulent tax return in my name and tried to defraud the us government out of thousands of dollars, now I have used a identity theft pin so the IRS can identify me, Truist bank needs to settle this matter and pay me XXXX dollars for damages this has done to mg credit and the use of my information that has been used fraudulently, if not resolved I can and turn this over to an attorney, either call and resolve or I will carry this and demand arbitration, ( I Will NOT SEND MY INFORMATION, social security number or drivers license won to happen in a victim of identity theft, resolve this matter before I take legal action, its Truist responsibility to understand that this is something serious to me because what it has done to 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 2020-11-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted CFPB complaint XXXX on XX/XX/2020 and complaint XXXX on XX/XX/2020 about information missing on my Experian credit report regarding my XXXX XXXX  credit card ending in XXXX. XXXX XXXX  sent me the same response on both complaints that they determined an update to Experian is appropriate and they have already communicated the correct info to Experian but so far nothing has reflected on my report. I attempted to contact XXXX XXXX regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with no access to such information who kept transferring me from one department to the other. 

Attached are both complaints responses from XXXX XXXX by someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information.

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 2023-08-07
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 have never received, authorized, activated or possessed a credit card from XXXX but yet they continue to report an open account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have attached a copy of the ID Theft Report with this complaint. The report number XXXX. Please review.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate that needs to be removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; 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 XXXXXX/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 2022-03-29
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with a few lenders including XXXX XXXX at Bank of The West. XXXX reviewed my documents and said the loan was approved and was in processing. So I cancelled my application with the other lenders. Now just before closing XXXX terminated the loan based on my income, which he had already promised me was approved. I dont have enough time to find another lender so Im going to lose the house I was buying and {$10000.00} earnest money all because XXXX lied to win my business.

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 2021-11-02
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
As of XX/XX/2021 I have filed a complaint with GM Financial case number XXXX ( XXXX ) about a fraudulent contract that was received and accepted by XXXX XXXX XXXX XXXX XXXX This puts me and GM Financial in a litigation process. Since then GM Financial has repossessed my vehicle violating me under the FDCPA 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure. 
FROM THE CODE I HAVE PROVIDED YOU CAN CLEARLY SEE THAT EVEN IF I DONT PAY THE DEBT THEY ARE NOT ALLOWED TO REPOSSESS MY PROPERTY. They have hired an uninterested 3rd party by the name of XXXX XXXX XXXX to repo my vehicle while in litigation. I need this information for the purpose of using exhibits while in court with GM. I also need this exhibit to help with amending XXXX XXXX XXXX  to the case I asked them to provide me with the order for the repo all they gave me was the name of the Lien Holder which is GM. I have provided a Lien search Certificate from the Secretary of State of California and as you can see there is no Lien in my name. GM Financial and XXXX XXXX XXXX is committing fraud here. This isnt a duplicate complaint this is more information provided for the CFPB that the crime was in fact committed. I am demanding a response from GM on why they have repossessed my vehicle if federal states even if I dont pay they are not allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: MA
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 tried to contact XXXX XXXX XXXX regarding this fraudulent account to no avail. I have been under the impression that this fraudulent credit card account ( opened by my mother in XXXX XXXX without my knowledge or consent since she has access to my social security number ) would be totally removed from my credit report since I had nothing to do with this credit card account. The credit card maximum is {$5000.00} which she has maxed out. I am a XXXX in college just starting to get started in the world of credit and I do not have a good relationship with my mother. I just want this to end now. 

I have filled out an FTC Identity Theft Report on XXXX XXXX and have mailed a follow up letter to XXXX XXXX XXXX on that same day and have received no response. I also contacted XXXX via a letter for them to correct my credit report. I received the ' '' corrected '' credit report today in the mail ( XXXX XXXX ) which still has the XXXX XXXX XXXX credit card account on it. While it does say that the account has been closed, it says that the account will appear on my report for two years. What is the reasoning behind this fraudulent account staying on my credit report for two additional years? 

I have been trying to get answers and trying to get this fraudulent information off of my credit report from XXXX XXXX when I first contacted XXXX XXXX XXXX. 3 months now! When I spoke to the representative from XXXX XXXX XXXX on XXXX XXXX, the woman said that the credit card was opened with a birthday that was not mine. What kind of system is this where someone can just open a credit card with the wrong birthday? My patience is running thin. I am a college student and having to deal with all this nonsense during my exams and finals period is extremely unfair. I demand answers.

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 2019-04-29
Company: Oracle Financial Group LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Oracle Financial Group in XXXX, NY made a credit card charge despite my express instructions not to make the charge. In addition the amount was higher than what had originally be agreed upon. 

I was called a " XXXX '' by one of their employees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Last XX/XX/XXXX, I sent a request to TRANSUNION to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents from the original creditor. Moreover, After more than 30 days, what XXXX did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. Both XXXX ad TRANSUNION definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.

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 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Merrill XXXX was advertising a bonus of {$500.00} if I moved my investments from other companies. I moved over {$100000.00} over and maintain {$90000.00} of it in the account after a withdrawal. Merrill XXXX denied my bonus and it's been almost a year and I still don't have the bonus

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 2018-05-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dispute reference XXXX filed in a timely manner with the banking institution, on XX/XX/2018 a PNC Debit Card Transaction Form was completed and faxed, along with a detailed page listing a documentation/illustration of what should have been received. A scanned copy of the documents provided to PNC have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2022-09-29
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:
In accordance with the Fair Credit Reporting act. The list of accounts below ha violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX  Account Name : US DEPT OF EDXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX XXXX HAVE VIOLATED MY RIGHTS 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 USC 1681s-2 ( A ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation