BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally report an incident of identity theft and fraudulent accounts on my credit report. I recently obtained a copy of my credit report from XXXX, and I discovered several unauthorized accounts and transactions that I did not open or authorize. This is a matter of utmost concern, and I am seeking your assistance in resolving this issue. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 Remove these fraudulent accounts and any associated negative information from my credit report as they are not a result of any legitimate transactions I have made.

I understand that this process may take some time, but I kindly request that you keep me informed of the progress and any actions taken to resolve this matter. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been 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 explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 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 explanation
Consumer complaint received 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/XXXX, I reported suspected fraudulent activity in the form of a monthly transfer of about {$200.00} to {$300.00}, by a former roommate. The email, phone number and security question associated with the account might have been changed as well, precluding me from giving the proper responses. I have been handled and treated as if I were the fraudster. I've offered to send copies of my identification but instead was asked to contact CA EDD to obtain a benefits assessment letter ( I presume verification letter ). It took me nearly a week to get a hold of a live rep at EDD, who informed me no such thing existed and further EDD did not write letters upon request to anyone not even our financial services provider. On XX/XX/XXXX I contacted BofA a second time and was advised to contact EDD to gain access to my funds. EDD informed me that no ability to accomplish this and I would need to ask BofA. Today, XX/XX/XXXX, I phoned BofA a third time and was told I needed to contact EDD and ask them to somehow arrange the release of funds that BofA had frozen. When I asked who was the federal or state regulator of BofA the rep pretended to misunderstand the question at first. Upon being pressed she pretended not to understand the concept of a bank regulator. Eventually she offered the name, XXXX XXXX ( BofA Chairman ), as regulator. I asked repeatedly if the bank was regulated by the Office of the Comptroller of the Currency or the FDIC. I was then directed towards The Fed ( which I know is not an ngo ). I am unable to access approx {$1300.00} which I need to pay past due rent. This was the 3rd transfer ( and 45 min of holding ) and may have been the Risk Dept. After the second call the account moved from frozen to closed.

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 2022-10-18
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it 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 2022-08-06
Company: EQUIFAX, INC.
State: TX
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:
I am writing to delete the following information in be my file The items I need deleted are listed in the report, I am a victim of identity theft and did not make the charge. I ask that the items deleted to correct my credit report. 

I reported the theft of my identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX submitting this CFPB Complaint once again to request to the Credit Reporting Agencies to reinvestigate the disputed accounts completely from my Credit File. Under the Fair Credit Reporting Act, the Credit Bureaus are required to correct and or remove the disputed accounts that are reporting erroneous information on a consumer 's credit file. I have been submitting multiple dispute letters to the XXXX Credit Bureaus and the last dispute letters I sent was XX/XX/2022, to correct these suspicious information. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them in the event the Credit Bureaus do not comply with the Federal regulation. These accounts were already included in my prior COMPLAINTS, and I'm including it again : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}.

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 2019-06-13
Company: Innovis
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:
Innovis refuses to remove fraudulent information. Innovis continues to deny my rights via fair credit reporting standards. The FTC will mount this complaint, alongside the Consumer Financial Protection Bureau and eventually fine Innovis for the violations against American Consumers it has committed. Innovis is also displaying two accounts as closed when the accounts are open. XXXX credit card and XXXX XXXX XXXX credit cards are both open. My XXXX account has disappeared from a credit report when my account is open with them as well. 

Innovis is reporting XXXX, XXXX XXXX XXXX, and XXXX XXXX/XXXX   CREDIT as legitimate accounts, when in fact they are fraudulent accounts and need to be removed. 

PDF from identitytheft.gov is enclosed. 

***Identitytheft.gov - FTC official statement has been included in this complaint*** ***Innovis has not responded to any of my disputes or requests for changes to my credit report regardless of waiting 30 days for each dispute/challenge to be completed in their respective cycle. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a checking account with Alliant Credit Union. I issued a payment through their bill pay service on XX/XX/2019. The payment was sent via mail as a paper cheque and funds were immediately withdrawn from my account. The check was cashed by Alliant on XX/XX/2019. However the vendor claims to have never received or cashed the cheque. Investigation shows that the cashed cheque image has no banking stamps/information, nor was the cheque endorsed. 

I subsequently met with the vendor to pay in person ( so I ended up paying twice ). I asked Alliant to  credit my account for the fraudulently cashed cheque on XX/XX/2019. They refused. I asked Alliant to  investigate the fraudulently cashed cheque on XX/XX/2019. They refused to begin an investigation until I provided a notarized signed affidavit. I provided a notarized signed affidavit ( their form ) at my own expense on XX/XX/2019. 

On XX/XX/2019 Alliant contacted me demanding another signed notarized affidavit from the vendor claiming to not have received the initial cheque. Allliant provided no affidavit form this time. Simply demanding one to proceed. On XX/XX/2019 I spoke with an Alliant representative. Alliant refused to proceed without this affidavit. I can not force the vendor to provide this affidavit. I am not the vendor. I have no power over the vendor. Alliant understands that I have no way of forcing the vender to provide such an affidavit but refuses to proceed with any investigation or return the funds.

It appears to me that Alliant failed to perform due diligence when cashing an unendorsed stolen cheque. They will not return the fraudulently obtained funds. Nor will they investigate the matter further. I'm not sure what else to do to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
on XX/XX/2021 I made a ftc affidavit because I checked my credit report and I noticed that XXXX XXXX XXXX, headquarter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are fraudulent inquiries, I never authorized these inquires and want them removed immediately.

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 2021-07-16
Company: Social Finance, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From XXXX XXXX Sofi froze my account because someone DEPOSITED money in their name in my account. They said it is Fraud when it comes from my Employer who wants me to do payroll. But it is Legal to DEPOSIT MONEY IN someone else 's name into your account. I have been constantly sending emails and voicemails to them. They have refused to ANSWER ME. After the phone call from the so CALLED security member. They have my tax money as well. Which I worked for last year. The money is mine and they lied saying that they were sending the money to me and closing the Account. I have Investments going on and they won't let me do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
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: Problem with personal statement of dispute

Complaint:
I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.

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 2019-08-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Specialized Loan Service in XXXX XXXX, CO is making up fake accounts and reporting them with late payments on my credit reports. I never had any accounts with them and don't owe them any payments but they put 90 day late payments on my credit report and total destroyed it. Please have them remove it from all my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Their investigation did not fix an error on your report

Complaint:
** Please ensure any personal identifier data matches strictly with what I have submitted uncontested above, I do NOT authorize you to hold on to ANY info not requisite reported, not undeniable, not correct, not full, not timely communicated, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the unadornedly ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my official notification to you, or any entity, concerned that I here now have confliction with the reportability of your claim ( s ) until it's decisive that privilege t o report was executed adequately and in a firmly rooted and objectified compliantly reported compliant manner, even to the mandates in accordance with the CDIA required CRRG described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, edit out now the following claim ( s ) one or more of being not certified tractably supposed or elsewise revealed, unverifiable, invalid, untrue, inaccurate, inadequately unabbreviated or incomplete to needed standard, untimely disclosed, not fastidiously right by cite proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently described, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims professed versus me as the consumer. Remove immediately and enduringly any negativity related to :

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 2018-09-11
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to the Cavalry collection and requested proof of verification with my signature, what I received was a statement. I sent a certified letter to the creditor and they stated that the account was sold. Neither companies provided me with a copy of an application. Both companies are reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Condo association I manage has a bank account with Valley National Bank. I am listed as sole signatory on account. My name is XXXX XXXX 
On XX/XX/2019 a fraudulent check was written in the amount of {$5500.00} to someone named XXXX XXXX and SIGNED by XXXX XXXX and the check was never flagged nor was I notified. I only realized there was fraud by looking at the generated paper account statement and by that point in time weeks had passed. 
By the time I notified the bank I was told the 30 day allowance to recover fraud monies had expired and they were not bound to cover the loss to the account. 
I believe there should be some culpability by Valley National Bank for allowing a check to be cashed by an individual whose name and signature was NOT listed on the account. And for not notifying me of said activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This bank is actively charging people for overdrafts when the account balance was never negative. The branch manager hides in her office and refuses to speak with customers. The branch manager also routinely refuses to provide contact information to others in the company to register a complaint. US Bank is proving to be a dishonest and corrupt organization. The personal banker went so far as to make the statement that it is not a crime for the bank to clear items in an order that would generate overdraft fees.

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