BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
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: Investigation took more than 30 days

Complaint:
I reach out to XXXX XXXX XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX  XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # 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 2023-01-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a credit card fraudulently in my name in XXXX, California on XX/XX/2023 at a Banana Republic store. I was notified of this through my credit monitoring service. I have called the company which Barclays Bank of Delaware and requested to freeze and close this account that I did not open.

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 2018-11-02
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 fraud alerts or security freezes

Complaint:
On XX/XX/2018, I attempted to temporarily lift a freeze on my Experian credit file. I was unable to do it via internet or telephone. I was also unable to make contact with a human at Experian to resolve the issue. I was forced to submit the request via U.S. mail. I am in the process of securing a mortgage and time is of the essence.

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 2020-12-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I reach out to XXXX XXXX XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX  XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted CFPB complaint XXXX regarding my phone number. Experian responded to the complaint and said they would update my phone number. Experian updated my report with the wrong number. In the original complaint referenced above I confirmed my correct phone number which is XXXX. Experian added XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting 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 did not give concent to any company nor reporting agency to report any payment or transactions on my credit file. 

Written Notice Per the FCRA as a federally Protected Consumer I am now opting out of any and all authorizations I the Consumer may have given you written unwritten verbal and nonverbal per 15 usc 6802.

The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. It also protects individuals by ensuring that federal agencies only collect personal information that is LEGALLY AUTHORIZED and necessary.

Some examples of privacy violations include : *Sharing data with third parties WITHOUT AUTHORIZATION *Using customer information for purposes other than its intended use Some exceptions to the Privacy Act include : *Information FOR a CIVIL ACTION proceeding *Material reporting for INVESTIGATIVE EFFORTS related to CRIMINAL LAW enforcement. 

All listed below who are in violation * XXXX XXXX  XXXX Acct # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX XXXX  XXXX Acct # XXXX * XXXX XXXX Acct XXXX XXXX * XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX /Acct # XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing in regards to my rights being violated with all three credit bureaus, XXXX, XXXX  and TransUnion. I have a inaccurate information on my report that I have tried on numerous of times to dispute with the three bureaus and they will send me back a report stating it was verified. Upon the letters claiming to be verified, I asked not to be verified by the e-Oscar system, that they need to provide me with the information verified from the creditor. Therefore I am writing to you to report the three bureaus have violated my rights and I would like for these unverified, and inaccurate items to be removed from my report. attached are the letters that were sent to the credit bureaus. I didn't receive a answer from some of the credit bureaus. I have sent many letters for them to delete these unverifiable and inaccurate information. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-08
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt wasn't found correct lawsuit was dropped. XXXX filed a suit from mOss Law firm regarding a a XXXX debt and then dropped the lawsuit after motion for discovery in 2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: KS
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:
XXXX, XXXX  and Equifax failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: SLM CORPORATION
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 status incorrect

Complaint:
I just pulled my credit report, and discovered that a late payment was reported on XX/XX/2018 for my account # XXXX. 

Due to various circumstances at the time I fear that I would be unable to make my upcoming payments on time, because of this I applied to put the loan on forbearance which I was approved for. I was instructed that I would be debited a portion of the payment to activate it but apparently the payment was never received according to what a rep told me over the phone which is why the loan was not put on forbearance and why I have this late payment. They charged the wrong bank account! I did everything I was suppose to this is completely their fall and they wont take responsibility for it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-23
Company: Total Card, 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: Public record information inaccurate

Complaint:
The company Total Bank Card XXXX XXXX XXXX is reporting the account was included in a Chapter XXXX Bankruptcy. That information is false! 

The credit Card was issued in XX/XX/2017 well after the Bankruptcy was discharged. 

My Bankruptcy was XX/XX/2017 and discharged 90 days later which would be XX/XX/2017. This card was issued XX/XX/2017. This was the first card I received AFTER my bankruptcy. So it could have never been included in the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXnquiry details XXXX XXXX., XXXX XXXX Inquiry from XX/XX/2018 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi bank sent me a new credit card without my permission, and that card was stolen and I was charged {$5000.00}. I asked Citi many times to cancel my card which they did not do, and Citi took money out of my checkings account to pay for these charges, and they are refusing to refund the money.

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 2020-12-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent checking account was opened online in Arizona on my name next to my business account in TD bank on XX/XX/XXXX. The bank tried to verify this account with a fake phone number provided. When they couldn't verify it, they froze my XXXX account and when my XXXX  complained about bouncing checks I found out that ther e was a problem in mid XXXX. Initially there was {$480.00} deposited on XX/XX/XXXX and then a check was written for {$430.00} on XX/XX/XXXX. then {$10.00} was paid on XX/XX/XXXX and the ending balance on XX/XX/XXXX was {$34.00}. 
The bank completed the investigation and closed the fraudulent and my XXXX  accounts. Gave me a case # and recommended to contact police for a report and websites dealing with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello and good day! 

I deposited a check for {$1200.00} yesterday and the hold on it was supposed to be XXXX business days as per the receipt. Today, I checked my checking account ending in XXXX XXXX XXXX and the hold has been arbitrarily delayed until the XXXX. This is a recurring deposit from the same person and same bank, and amount, and no objective reason has been given to me for the delayed hold. Bank of America is not even releasing it partially. This makes it worse as I am suffering due to the consequences of COVID on my business, and I feel discriminated about and even after spending at least 1 hour with customer service, I am still not getting resolution. I also spoke to a Supervisor, XXXX who handed my call over to XXXX who had no explanation for doubling the hold time from the XXXX to the XXXX, and hid behind process. 

Please kindly investigate for discrimination and arbitrary, double-standard procedures. 

Many thanks and cheers! 

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 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : Capital One # XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ohio XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX This is my number ( XXXX ) XXXX Please Delete Employment Data that does not belong to me : XXXX  on XXXX, University of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted one payment to be applied on XX/XX/2022. Two payments were applied and taken from my checking account. Called company. I was told there was a problem with their web site. On XX/XX/2022 another payment was applied and taken from my checking account UNAUTHORIZED. I called her as told this was happening to multiple people. Again on XX/XX/2022 another payment is as attempting to be applied UNAUTHORIZED and I have yet to get my money returned or an explanation as to why this is happening. XX/XX/2022 they attempted again UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: ALLY FINANCIAL INC.
State: AR
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 NOTIFIED XXXX THEY NEED TO REMOVE INCORRECT INFORMATION FROM MY CREDIT REPORT. THE INFORMATION HAS BEEN DISPUTED AND THEY CLAIM THEY HAVE VERIED AND VALIDATED THE DEBT WHICH IS UNTRUE. I HEREBY REQUEST THE REMOVAL OF THE FRAUDELENT ITEMS THAT XXXX AND XXXX VERIFIED AS NOT MINE TO BE REMOVED AS WELL BY XXXX AND XXXX IMMEDIATELY. AS I WILL FILE A FEDERAL LAWSUIT IN THE FEDERAL COURTS FRO MULTIPLE DAMAGES AND VIOLATIONS. 
THEY NEED TO REMOVE ALLY BANK AND XXXX XXXX XXXX XXXX IMMEDIATELY FROM MY CONSUMER REPORTS AS WELL AS XXXX XXXX AS THEY HAVE VERIFIED THE FRAUS ALONG WITH THE POLICE AGENCY WHO VERIFIED THE FRAUD. I HAVE SENT THEM THE FOLLOWING AFFIDAVITS OF TRUTH WITH NO RESPONSE IN OVER THIRTY DAYS.

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 2019-10-12
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a XXXX XXXX was to sell me 2 tickets to XXXX XXXX. She gave me this email address to send the money to via paypal ( XXXX ). After sending {$70.00}, she did not give me the tickets. She said she tried to send them to my e-mail but it wasn't valid. She said her XXXX acct was locked and she couldn't get into it. She then sent me a " link '' to log into my XXXX acct. I refused to log into because it was a fake XXXX site. At this point, I knew it was a scam and requested my money back 5 different times. She stated she called paypal twice and then she blocked me.

Company response to consumer: Closed with explanation