BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2018-07-18
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In a recent review of my credit report, XX/XX/XXXX I noticed the addition of a company called XXXX XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, curtly stated to me : 'We purchased the debt from Lendmark Financial in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that Lendmark provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX  stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XX/XX/2018 To Whom it may Concern, Regarding XXXX credit card from Capital One. 

In a recent inquiry about XXXX credit card account we were informed that his account had been closed out because it has been inactive for over three years and there was no balance. The account had over 80,000 valid airmiles that is worth a cash value of around {$400.00} dollars. 

We reached out to Capital One regarding this issue over a year ago. We asked that a replacement credit card be mailed so XXXX could use the account thus keeping it active. We never received the replacement credit card but did receive a statement with a XXXX  balance. Shouldnt this action alone create an active status? 

I was informed that we should have received email and mail about the account going inactive. To the best of my recollection we didnt receive any. 

Im reporting this issue because I think this is an unethical practice that benefits the credit card companies. They have basically stolen money from us that we saved and earned over years of purchases on the credit card account in the form of " airmiles '' If they insist on closing the account shouldnt they have at least paid out to us the point value in cash. What happened to the never expires airmiles promise! 

I would appreciate any help regarding this matter and would like the public to be informed as well. 


Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I sent TransUNion a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  indirect XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX The response I got from transunion was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, these inquiries must be deleted under federal law! 

SECTION 609 OF THE FAIR CREDIT REPORTING ACT!

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 2018-07-18
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Ran credit report for home loan. Report came back with a credit card opened that I have never had. I do not have any credit cards. Also says account was opened in 1984, I was not alive in XXXX. This needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-06-14
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 XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C. 1681 section 602 A. State 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 instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - Started discussing with a XXXX XXXX from EverBank XX/XX/XXXX - Application submitted / Credit check done XX/XX/XXXX - I think Rate locked. Have few days to finish the application XX/XX/XXXX - XXXX  concern how a {$5000.00} float down deposit was shown in disclosures XX/XX/XXXX - Was promised the deposit is refundable if mortgage doesn't proceed XX/XX/XXXX - Paid a {$5000.00} via credit card for a float down option XX/XX/XXXX - Spoke to XXXX XXXX and expressed the mortgage is facing inspection issues. It wont ' close XX/XX/XXXX - She said she is working on it. She said she will look into the refunds Between XXXX to XXXX - couple follow-ups stating the bank is working on the refunds XX/XX/XXXX - Jayne/bank asked for some " seller can not convey title '' letter. My attorney can not provide that letter as mortgage fell through due to inspection issues XX/XX/XXXX - Followed up again for refunds to XXXX. No update but said i will check XX/XX/XXXX - Followed up again if they need more details or asked for supervisor. 
XX/XX/XXXX - or so - Spoke to XXXX 's XXXX Between XXXX and XXXX - multiple follow-ups ... 
XX/XX/XXXX - XXXX said he can not refund the {$5000.00} deposit. 

I have documentation from attorney that there are multiple inspection issues which is causing the contract to fail. I feel the Representative of the bank did not do much do address and in fact provided incorrect information when trying to sell the float rate lock product. I would like to take this to a small claims court and proceed filling against the agent and the bank for not helping through the refund of the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
A company reporting a debt will not send any information other than a bill. Experian is reporting as delinquent. I have asked them to verify and send any information about the debit but they have not authenticate the debt. They still refuse to remove from 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 2023-06-26
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i opened a bank account with BECU and deposited a check written from myself from my other bank account ( XXXX XXXX ) and its been on hold as possible fraud. the check cleared out of academy bank and shows on BECU but i'm told it's being held. i requested it be sent back and was told they can't do that. i contacted academy bank and they said it cleared and was fine. its been 8 business days since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. 
XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: GA
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:
The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX  # XXXX Section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section : It also 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 2023-06-01
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
From XXXXXXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
TJMaxx mastercard had charges of XXXX that was done fraudulently. 
With XXXX XXXX i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 One card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. XXXX XXXX confirmed it was fraud but someone other than me called and told XXXX XXXX the charges were accurate. In which caused them to rebill 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 2018-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted this company many times explaining an ex husband used this account without authorization for a couple of years until discovered by myself in XXXX. He was making payments up until this point and it had happened with several accounts which were closed and charged offed. I asked them to correctly verify this account and provide detailed information. Over the past two years they just keep sending the same two pieces of paper XXXX stating dispute has been resolved and the other that has been verified. Verified with what. I have rave information from XXXX XXXX because they charged it off on my credit file in XXXX but could not find where I reported account stolen so they sold this account to a credit broker XXXX. According to the credit bureaus the last payment made on the account was XX/XX/XXXX so it has exceeded the statue of limitations for credit card debt in Kentucky that a collector can legally sue or collect so I ask that this collection company remove themselves from my file please. I have never verbally spoken to them since they have never accurately verified this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I log into my account this message shows : " Your account is restricted. You are not able to access this account online. Please contact a Banker at XXXX to change your account status ''. 

In XXXX/XXXX, I was told the restriction was put on my account due to my attempt to transfer an unavailable amount of funds to an external bank account in XXXX, but I could request to have the restriction lifted. I was told a request would be submitted to the " back office '' for review and it would take 2-3 days, but I could still make deposits to my account. Therefore, I began having portions of my paycheck direct deposited into the account ... without issue. 

On XX/XX/XXXX, I received a message from my HR department that a deposit was returned. I called Synchrony. Neither operator I spoke with, including a supervisor, could tell me why this deposit was returned nor why the restriction was still on my account. They stated they would have to submit another request, again to the " back office '', to lift the restriction and it would take 2-3 days. I stated I would prefer to just close my account, due to the extremely poor communication and results, and have a check sent to me. I was told I could not close my account until the restriction was lifted. After waiting, again 2-3 days for the " back office '' to process my request, there is still a restriction on my account and I can not access my funds through the ATM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to pay Amex bill through XXXX XXXX  account app but the money went to anther Amex account which is not related to me my bank account was hacked first transaction was a payment of {$1300.00} on XX/XX/XXXX. Second one on XX/XX/XXXX payment of XXXX both transaction went to account no XXXX whit is not my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX A XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX  XXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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