BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
About two years ago, I put up an artificial tree for sale on XXXX. And almost immediately after doing so, a person claiming to reside in Florida wrote to me implying that he was interested in my merchandise and that he would send me a cashier 's check that should arrive shortly. As promised, the check arrived but I was shocked to find out that the check was not {$250.00} as advertised on my XXXX, but much more ; about {$1500.00} more! To be completely honest, I did have my suspicions especially when he/she told me to keep however much I thought I deserved but to mail the rest of the money to another location in Texas but blinded by my circumstances at the time, I shrugged it off convincing myself that things like this do happen. So I complied. I deposited the check to the Bank of America and later withdrew just about {$500.00} with plans to mail it as soon as I had the time to go to a money order facility. A couple days later, my friend who was familiar with posting items for sale on XXXX, informed me that this was a scam and that I should return the money to the bank and explain to the representative about the fraudulent check before it was too late. But when I went to the Bank, they promptly and quite rudely told me that my account was closed without any explanation and asked me to leave. I was infuriated but did as asked and thought nothing of it. But because of this incident, I am unable to open a bank account and now realize the sheer gravity of my mistake. I do n't have any documents to support my claim for it has been two years since the incident and since then I 've changed my phone and phone number multiple times. I swear on oath that my statements are true and would willingly go to Jail if proven otherwise.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: PA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2015-09-20
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit report and apparently this company AFNI a debt junk buyer, purchased this debt from another collection agency called XXXX. AFNI has re-aged this collection on my credit report and has never sent any notices to me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX, I placed a fraud alert on with XXXX and obtained a credit report. I discovered that several entities that I do not have accounts with obtained my person information and conducted unauthorized credit inquiries with the credit reporting agency XXXX. Between XX/XX/XXXX and XX/XX/XXXX Capital One conducted XXXX unauthorized inquiries into my credit at a rate of a minimum of twice a month. XXXX conducted unauthorized inquiries on XX/XX/XXXX and XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX  Has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 6048 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment or a credit card account under an open end consumer credit plan as late for any purpose Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-04-16
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:
I had been victim of ID theft, and therefor two XXXX XXXX XXXX accounts were opened under my name with out my knowledge ( FTC attached shows all the account numbers and the opened dates and the amounts ), and my credit was screwed beyond my imagination that such thing can really happen. i have tried to call the creditors and also the bureaus experian who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing experian XXXX and XXXX. please have these fraud accounts removed from my credit file thank you and XXXX bless you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: LA
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 transferred loan to XXXX. XXXX split loan into 2 separate loans. 
XXXX is reporting negative late payment from 2018 inaccurately. XXXX not only created 2 separate accounts from one account from XXXX XXXX but are also incompletely and inaccurately reporting negative information. The time that XXXX is reporting Negative, XXXX XXXX is reporting positive. The account was transferred to XXXX. DELETE XXXX ACCOUNTS ON ALL 3 CREDIT BUREAU REPORTS AS THEY SHOULD NOT HAVE CREATED 2 LOAN ACCOUNTS FROM 1 TRANSFERRED ACCOUNT AND SHOULD NOT BE REPORTING ANY NEGATIVE INFORMATION. SEND REPORTS WITHIN 30 DAYS SHOWING ITEMS COMPLETELY REMOVED FROM CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: PA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: WorldRemit Corp.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I initiated a money transfer to XXXX through the company named WorlldRemit, this transfer was intended to help a family member to get medical attention in XXXX, the transaction number is XXXX ( see attached screenshot ) and was charged to my credit card. By XX/XX/XXXX I have to cancel the transaction because the payment wasnt still deposited to the recipients account and I have to use another company to send the money since this was very urgent. As seen on the screenshot attached when one is placing the order it clearly says the money would be deposited the same day to the recipients account, misleading the customers who use the service thinking they are going to have a quick resolution of the service contracted. 
On XX/XX/XXXX when I requested the cancelation due to a failure of WorldRemit to deposit the money to my recipients account a customer service representative told me via chat that the refund will appear whiting the next 7 business days back to my credit card. 
On XXXX the XXXX I got in touch again via chat with a customer service representative from WorldRemit who told me that the refund was made already, but that he wasnt able to send me any proof to support that transaction, like a trace number, refund number or any receipt whatsoever, in order for me to contact my bank. 
Until today XX/XX/2021 the refund of the money hasnt been made yet, and yesterday XX/XX/XXXX, I spoke over the phone with an agent named XXXX and still she wasnt able to provide any support of this refund arguing that she did not have access to that information, and after insisting for a very long period of time over the phone she finally agreed to send the receipt, but for my surprise I got an E-mail from WorldRemit with the receipt of another WorldRemits client, who I do not have anything to do, on this receipt one can see all the personal and financial information of this customer. 
I question how come a customer service representative cant have access to a receipt or trace number belonging to the refund of my money, but she can have access to somebody elses account and spread this information to other customers, that is a clear violation of their same policies of the company and on the same receipt they state clearly the following WORLD REMIT DOES NOT DISCLOSE ANY NON-PUBLIC PERSONAL INFORMATION ABOUT OUR CUSTOMERS EXCEPT AS PERMITTED BY LAW statement that they are violating, which tells me WorldRemit doesnt provide any personal information protection to his clients. 
Today I spoke with a Worldremit supervisor whose name is XXXX, and still he hasnt been able to produce any proof of that apparently refund made to my credit card, I have contacted my bank several times and they confirmed that there is not any refund on its way to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Navient Solutions, LLC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Navient will not remove old deragotory information from my credit report. It is more than ten years old. The statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was recently contacted by Citizen Bank about a student loan from XXXX. I became severely ill and was unable to continue with my secondary education at which time I had to file bankruptcy XX/XX/XXXX. The company was notified of the bankruptcy, chose to not dispute the bankruptcy filing which was discharge dated XX/XX/XXXX. The company XXXX called me on there behalf today and stated I have a outstanding debt. 

I informed the company in regard to the filing and discharge. I was informed this is a student loan and not dischargeable. I informed the company it was a private student loan and they had opportunity to dispute filing in XXXX but now they want to try and bill me while being on out on Social Security Disability. 

I asked them to not contact me anymore and to review the filings submitted to them the rep was very rude and would not listen to me in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 604A Section 2It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 USC 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 2022-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I reached out to XXXX last week to see why they haven't reported an account that I'm a co-owner/ authorized manager of. When I called them and opted in they told me I have two accounts with them. I informed them that the only account that I had was a shared account with my husband. The lady I spoke with tried to verify the information with me and asked me my email address. When I gave her mine she told me the the email address attached to this account and other information was different and was something I NEVER heard of. From there she prompted me to talk to the Fraud department which I did and they said they would investigate it. However, after being informed of this fraudulent account, XXXX XXXX XXXX, they conducted a full research and found no fraud in under 7 days time. They also gave me a " case number '' XXXX. However this is clearly another case of Identity Theft. They have NOT sent me any information to me regarding this account even after I requested. However from calling the XXXX number I find out they have sold this Fraudulent account to Portfolio associates while it was still in dispute status. I am documenting this complaint as a record both to XXXX XXXXXXXX XXXX  and Portfolio associates that they are trying to collect on an account that is COMPLETLY FRAUDULENT. I notified authorities on XX/XX/2021 that I was a Victim of Identity theft and since then have frozen my credit and enrolled identity theft precautions with each bureau. I have also submitted this to the FTC and refuse to be charged for goods and services I've never requested nor benefited from. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. As of right now neither XXXX XXXX nor Portfolio have sent me any information regarding this Fraud account. The FCRA has rules regarding identity theft and Both companies are operating against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Google Compare Credit Cards Inc.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2022 - Ran a credit check for financing on XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  only for it to " fail/be denied '' due to having a Fraud Alert status, I had opened up a support ticket with XXXXXXXX XXXX after XXXX XXXX XXXX XXXXXXXX credit check system referred me to XXXXXXXX XXXX automated system. XXXX XXXX XXXX Customer Support had also referred me to said XXXX automated system XXXX ( XXXX ) as they ( XXXX XXXX ) can not do manual human-to-human credit check/identity verifications and it MUST be handled through XXXX. 

As such, I had called XXXX ( XXXX ) only to be told by XXXX XXXX automated system that " No Fraud Alert has been found '' when applying for identity verification so, naturally I tried triggering the system to forward me to a human representative only for XXXX XXXX system to tell me " it can't do that ''. 

Which leaves me a consumer in the predicament of not being allowed a legitimate line of credit due to lack of availability/avenues for manual identity verifications on both XXXX and XXXX XXXX XXXX ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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