BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
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: Reporting company used your report improperly

Complaint:
I didn't authorize the information to be shared and or reported to ChexSystems and since this falls into the category Identity theft per 17 CFR 248.201 ( 9 ) as the consumer account was opened without my knowledge or consent I want all reports wiped off this fraudulently opened consumer account

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 2023-04-20
Company: Experian Information Solutions Inc.
State: SC
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:
You are reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. This is the account that needs attention in my personal file : 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 2023-04-20
Company: Experian Information Solutions Inc.
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:
My name is 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 reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$15000.00}, XXXXXXXX XXXX XXXXXXXX .... Date Opened XX/XX/XXXX XXXX {$16000.00}

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 explanation
Consumer complaint received 2023-07-28
Company: SUNCOAST CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone faking my identity opened an account with Suncoast Credit Union online. Received a debit card in the mail on XXXX The credit union has already froze the account but it seems this can happen with other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Their investigation did not fix an error on your report

Complaint:
I have filed numerous Account verification letters and I have filed inaccuracies letters. All over the last two years with the most recent being XX/XX/2023 via certified mail. 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: MARINER FINANCE, LLC
State: NC
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 been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from Mariner Finance , LLC in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last 4 of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 

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 XXXX 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 2023-04-20
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called on XXXX XXXX and I explained to chime member services that something was wrong with my car I asked the lady what how to fix it she told me oh well I'm going to go ahead and I'm going to cancel it I have videos of me begging her saying ma'am I do not want my card canceled she canceled it anyway they sent me a card today and my money was direct deposited I asked them more than one time about my money they told me that oh it will be closed the account will be closed on the XXXX because after they cancel my cards I told him I said well I don't like the way I've been treated or how I've been talked to XXXX the supervisor yelled at me XXXX the supervisor hung up on me and I keep calling and I'm not getting any clear answers so today my money came and I had direct deposit when the direct deposit hit canceled it at XXXX XXXX today they closed my accounts they told me that it was sent back to the account holder and they don't know where it was or or who deposited that I have an email showing proof of the name so I asked him exactly how much was in the account and why was it sent back I asked him that this is not okay because you guys told me the XXXX and with everything that is going on and how many recordings and videos of that I've had of nasty customer service represents and things being done in my account without my permission and how my cards have been canceled without my permission and I told XXXX not to cancel it four times so today I have no money my card is missing will cancel and they can't tell me where my direct deposit went to or how much it was I've called all day long I have been on the phone and I have not got anything back this is not my first time with time having this type of issue there are really bad financial institution they let people take your money and when you call and tell them hey it's something wrong they do not respond back most of their customer service Representatives will not speak to you with manners they're laughing and they hang up the phone on you they ask you to send proof and photo ID what you do and they send back emails and you can not really speak to a human without being disrespected is very sad I do have almost three videos and willing to send them in

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Key 2 Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Key 2 recovery Ice, contacted me about XXXX owed to XXXX XXXX University. I had contacted Covid 19 and was unable to attend classes. The class were already paid for with federal student loans. The University advised me that I had not canceled in the right time frame. This was incorrect, I canceled the classes several times. The amount was paid for by my student loans and I canceled the classes. I university is attempting to get paid twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: HUNTINGTON NATIONAL BANK, THE
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: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX XXXX report indicates that Huntington National Bank ran four inquiries on my report. XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 At this time, my XXXX XXXX file was frozen. 


Huntington National Bank didn't have my permission to access my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Linebarger Goggan Blair & Sampson LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a response to my last complaint that I put in on XX/XX/XXXX. And the response is false information as I reached out the Company today XX/XX/XXXX, and there is a balance with them for {$180.00} still in collections. The response stated that there is nor further amount due. I have also spoken to XXXX on numerous occasions prior to contacting Linebarger Goggan Blair & Sampson, LLP to see if my dispute has been sent to them and on all occasions, which were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, they have told me they have not received any disputes from Linebarger Goggan Blair & Sampson , LLP, on my behalf. When I tried to settle the debt with them due to the toll notification being sent to my previous address, they explained they could not assist me due to the matter being sent to collections. They have also mentioned that numerous people have the same issue with this very same company. There are a lot of different factors involved in changing duty stations and failing to update my address registered with the DMV is an assumption of inaccurate information. I was in the process of registering my vehicle when the tolls were incurred because I had since then also changed my license plates. I do not appreciate the manner in which this company is handling my disputes especially since I am an XXXX XXXX Service member serving my country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: DOLLAR MUTUAL BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX XXXX report indicates that Dollar Bank ran an inquiry on my report, on XX/XX/2022. 

Dollar Bank didn't have my permission to request a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
To Whom It May Concern : XXXX XXXX Capital One Account No : XXXX I have contacted Captial One Credit card services several times about the incorrect reporting of the balance they show I owe. 

The outstanding debt has been paid in full, but it is still showing on my credit report with an open balance of {$820.00}. 

I sent a letter to all three credit reporting agencies with proof the debt has been settled through Capital One 's third-party collecting agency XXXX XXXX XXXX but XXXXXX/XX/XXXX, I received an alert from XXXX showing the credit bureau added a statement to my credit file that reads, description 1 " consumer disputes- reinvestigation in process '' and 2 " amount in high credit is original charge-off amount. '' By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery has tried to collect this debt by contacting me and my employer to collect this debt. I am unaware of what this debt they are trying to collect is. They have yet to provide me with the proper documentation to link me to this debt. No signatures from the original contract, no identifying information and has yet to respond in a timely matter for its investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW

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 2023-07-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As per Citibank customer service advice, there is possible malware affecting on my computer that may have been trying to steal my credit information. They decided to blocked all future transactions with Citibank/Home depot Card .

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-04-20
Company: EQUIFAX, INC.
State: MO
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 2nd 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 items 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 an 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: WESTERN ALLIANCE BANCORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See complaint XXXX. 

XXXX statements later ( payments due XX/XX/XXXX and XX/XX/XXXX ), Western Alliance Bank has not removed the late fee in the amount of {$87.00}.

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 explanation
Consumer complaint received 2023-04-20
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:
I sent my letters off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, all of the information on these accounts is still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : 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 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America can not handle a fraudulent XXXX case that caused me to steal unauthorized {$3300.00} from my checking account without my knowledge, authorization, or the unknown destination of the people who stole this. They have disapproved of my case, claiming it's unresolved after being researched. 

XXXX XXXX XXXX CLAIM NUMBER : XXXX ACCIDENT DATE : XX/XX/2023 BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX 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 monetary relief