BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
I was the victim of debit card theft. I reported this to my bank the same day ( XX/XX/19 ) I saw the charges appear. I was in Florida WHEN they occurred. I made a check deposit at my local branch, and these FRAUDULENT charges were for out of state businesses ( XXXX, XXXX XXXX, XXXX ) with 2 of them being personal drafts made by the thieves. The XXXX XXXX charge didn't go through since my card was deactivated and/or it wasn't accepted by the bank. One of the fraudulent charges even has one of the recipient 's names, XXXX XXXX. I am assuming she is part of the theft being as though this woman lives in the same city/state as all of the physical stores. I did some digging on the name, and found a criminal history for a XXXX XXXX in Georgia for related incidents. The 4th charge is a small online charge for {$17.00} to an unknown store. Yet, all of the physical store locations have store numbers listed on the fraudulent charges, and they are all located in XXXX XXXX, Georgia. XXXX XXXX also lives in XXXX XXXX, Georgia. She was the recipient of the fraudulent money transfer of {$100.00}. This is not an application I've ever used, nor heard of prior to this incident. I am still not entirely sure what it is. My bank can see I've never used it before, too. Nonetheless, I reported these fraudulent charges to my bank immediately. They were all processed AFTER the reported theft. I immediately had my debit card canceled, and lived without any access to what remaining money the theives left for me nearly a week. I replaced my card at the bank just yesterday ( XXXX ). The remaining fraudulent charges are as listed : XXXX XXXX XX/XX/19 {$100.00} XXXX XX/XX/19 {$63.00} XXXX # XXXX XX/XX/19 {$240.00} XXXX XXXX XX/XX/19 {$17.00} The reason for not returning my money is that my card wasn't reported stolen. Yet, the bank is who canceled my card after I reported the theft. I am a FLORIDA resident. My bank is FDIC insured. I am supposed to be protected against this type of fraud. Regions has been completely uncooperative in assisting me. They have the name of at least one of the theives, but even if they chose not to prosecute her, the bank has insurance. I am more than likely going to change banks. Complaints I've read online show that this a wide spread issue with this particular bank. I'm at a loss of what to do. I clearly am not a Georgia resident, and used my debit card at a Florida branch location on the same day. It should have been obvious that my numbers were skimmed somehow.

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 2019-10-09
Company: Experian Information Solutions 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:
There are 2 accounts on my credit report that aren't mine ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am attaching files of the complaints that I filed. 
I show on my credit report that I am 3 months default a few years ago. I called the federal loan service and was told to send the information, which I did. I then sent it to them with more information and twice they refused to remove the incorrect information. 

I was not in default ever and my paperwork from them shows that I am in forbearance and owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation.

Remove all requested information and to restore my credit score.

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 2019-10-09
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:
There are 2 accounts on my credit report that aren't mine ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2019, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The United States Bankruptcy Courts do not release information to third parties nor are they data furnishers to credit reporting agencies. The inclusion of bankruptcy information obtained by fraudulent means is a violation additionally in accordance with ARS 39-121.03 a data aggregator who obtains public records for a commercial purposes must provide a statement setting forth the commercial purpose for which the public record will be used. It appears none of the credit reporting agencies or their aggregators filed this notice and thus failed to follow Arizona law in this matter.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Experian is illegally reporting inaccurate information about me. They are reporting that I have an account with XXXX XXXX XXXX that is open and with a past due balance of {$580.00}. This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards.

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 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
I opened a Capital One Venture credit card using XXXX XXXX and was granted a {$5000.00} credit line. Approximately 1 month after opening the card my card was declined and when I checked my account through the Capital One app on my phone and discovered my card was listed as " restricted ''. At this point I had not received any communication written or verbal from Capital One that there was any problem with my account. 

I called Capital One three separate times between XXXX XXXX XXXX and each time was told I needed to call back to reach a separate department. When I was able to finally get in touch with a representative from that unnamed department on XX/XX/2023 I was informed by " XXXX '' that my account was closed because they " discovered adverse legal action involving an individual or entity associated with the account ''. It was also relayed to me that it was the primary account holder and not the authorized user. ( My girlfriend is the authorized user on the account. ) When I asked for the representative to identify the source of the " adverse past or present legal action '' and was told there was not other information available. Capital One has failed to provide the specific information they relied on to terminate my account and the source of that information of which I am entitled to under ECOA. 

As of today, XX/XX/2023, I have still not received any additional communication from Capital One, besides my direct phone calls to them, regarding the closure of my account. I have checked my credit report and there is nothing on it that would indicate ongoing legal action. I have been approved for other credit cards without anything like this happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: TX
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:
XXXX taking payments out that were Not Approved for XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 Overdraft fee 3 times for XXXX $ on XX/XX/22 XXXX again for XXXX $ on XX/XX/22 XXXX again for XXXX $ on XX/XX/22 & XXXX $ on XX/XX/22 Overdraft fee for XXXX XXXX XXXX times on XX/XX/22 None of these transactions were approved and now my account is overdrawn so much money and I can Not use my debit card for important things now... I spoke with wells Fargo but they are not doing anything about it.

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 2019-10-09
Company: COMMERCE BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
commerce bank credit card, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know XXXX XXXX  XXXX   XXXX have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used the Capital One mobile application to find an ATM near my house on XX/XX/2019. 
The app pointed me to an ATM at the XXXX at XXXX XXXX XXXX, XXXX, VA. 
But when I used the ATM, I was charged {$3.00} in fees by the ATM and then another {$2.00} by Capital One - for an ATM that the Capital One app. directed me to. 
I've spoken with customer service and was told that because my account is " not a XX/XX/XXXX account '' I am liable for the fees. This particular account was originally an account with XXXX XXXX but was ported over to Capital One as part of the merger. 
Looking at my account, it just says " Total Control Checking.  '' The only discernible difference between this and my other XX/XX/XXXX account is when I open my account online and click on account details, this account has a red icon at the top of the pop-up page and my other account ( that was originally an XXXX account, but is apparently now a XXXX account ) has a red " XXXX '' where the icon is displayed. Nothing in the name of the account indicates this. 
I spoke with Capital One customer service on XX/XX/2019. They agreed to refund the {$3.00} fee charged by the ATM host, but not the {$2.00} fee actually imposed by Capital One. 
If they are charging others similar fees every day, they're likely making thousands of dollars over this discrepancy. There should be a disclaimer in the mobile app. that indicates you may be subject to fees at " XXXX ATMs '' based on the type of account and indicate whether or not you account is a XXXX account. 
I can provide documentation is necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received six Visa Debit cards issued from U.S. Bank ReliaCard Each card is issued to a separate person, but all mailed to my home address. 

I received these cards in the mail on XX/XX/2020 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 2023-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am having the hardest time with Equifax. They are suppressing my credit report by putting a Block on internal Indicators that they use- please see pictures. 

They have blocked my report so that I am UNABLE to view my credit report AND potential lenders are UNABLE to view my credit report. I have called them 14 times within the last week since XX/XX/2022 to resolve this issue. I have also submitted the documents that they requested- see XXXX XXXX XXXX XXXXXXXX. They received the documents and attached them to my Equifax file within their computers. 

On the last two phone calls, I was told that they would remove the blockage and that I should be able to see my credit reports within 24hours. Equifax even gave me a XXXX XXXX XXXXXXXX for " Block Removal on Indicators ''. That confirmation code is suppose to indicate that they have removed the blockage. BUT THEY HAVE NOT REMOVED IT - see pictures. 

I was told to call in and speak to the Office of Consumer Affairs- which I did. They said they had everything they needed and they would remove the blockage. THEY HAVE NOT. I have spoken to the Dispute Department, Fraud Department... 

I have called that number every time I log in and I still have not gotten my credit report to populate and not show a blank report. THIS IS WRONG AND I WANT IT FIXED. Please help. 

That is wrong and it is suppressing me. Equifax is bullying me and hold my financial XXXX XXXX That is illegal. 
WHAT NEEDS TO HAPPEN SO THAT THIS ISSUE CAN BE RESOLVED EQUIFAX????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ XXXX on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XXXX2019 with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/XXXX  removed ALL Listings from my Experian, XXXX  and XXXX credit files.

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 2018-12-09
Company: Innovis
State: AR
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:
INNOVIS IS IGNORING COURT ORDERS AND XXXX XXXX XXXX  MUST BE DELETED TODAY.AND XXXX  HARD INQUIRY ON XXXX HAS BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Bread Financial 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: Account information incorrect

Complaint:
I never applied for credit with Pay Pal. I saw that Pay Pal pulled my credit without my authorization. I asked for the credit application and they said I did apply and they decided not to approve my application and they could not tell me why. I have over $ 60k available credit and a XXXX credit score so if I did apply for the credit from Pay Pal why did they not approve me unless the application didnt have my correct information. Please expunge from the credit reports as I did not authorize Pay Pal to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with Equifax, XXXX, or XXXX even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XX/XX/XXXX, but my account balance on my credit reports show that they have not been updated since XXXX, XXXX.

Company response to consumer: Closed with explanation