BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The company that shows up on my Equifax credit report is XXXX. This collection was supposed to fall off by now as its older than 7 years. It keeps re showing up on my credit profile. Secondly, I sent them a debit validation letter, because I have no knowledge of this account ( I have never even had sprint as a phone carrier ) they sent me the validation but the address wasnt even correct on the paperwork that they sent me. I disputed with Equifax, but they still said it was valid. Is is 100 % not valid for two reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2023-05-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter/notification in the mail on XX/XX/XXXX from Chase Banking stating that they had received a check previously deposited into an account with my name on it and was returned due to the checks being altered/fictitious. They included a copy of the check in the letter. I personally do not have a Chase Banking account and immediately realized it was fraudulent and someone opened an account in my name without my permission. The amount on the check was for XXXX. I immediately went to the nearest Chase banking office and reported the fraud account. They put a hold on the account and reported the fraud to the department. Upon closer look, no money was taken out of my banking account and there were no additional withdraws or opened credit cards in my name. I then followed up and completed a police report in my area for the identify theft problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Truist was advertising a {$400.00} bonus for opening a new checking account and having atleast two direct deposits totaling {$1000.00} within 90 days in XX/XX/2023. I opened a personal checking account thru their online process on XXXX XX/XX/2023 & successfully enrolled in that offer. Two days later I couldn't login to online banking anymore. Upon reaching out to customer care I learnt that my account was frozen and I would have to go into a branch for identity verification. I explained that this wouldn't be possible as they don't have a branch in XXXX, OH where I live and the nearest branch is a 2 hour drive away. After multiple calls and me trying to get the identity verification done virtually yielded no results, I asked that the account be closed and my initial deposit be returned. I waited for three months and then finally filed a CFPB complaint XXXX XXXX XXXX  ) to get my {$50.00} back on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 I received an email about an account statement being available and a letter from XXXX XXXX informing me that they were able to verify my identity and re-started my account. I called customer care and they informed me that the clock on my bonus offer had reset and I could still setup two direct deposits to receive the {$400.00} bonus within 90 days. I successfully completed that and waited until the advised period but they did not credit the {$400.00} bonus. Reached out to customer care again and escalated to a supervisor who had an analyst review the case and informed me 30 days later that they acknowledge my account was frozen so I couldn't deposit any amount but they are not going to honor the the promotional offer because it had to be within 90 days of XXXX XX/XX/2023. 

I find this extremely unfair on their part due to a number of reasons - 1 ) They automatically closed my account and didn't provide an alternative to ID verification, but when I submitted my first CFPB complaint they were suddenly able to verify my identity without needing me to show up in a branch. If that was possible why did they not do it in XXXX itself so I could still meet the offer terms. They kept insisting going to a branch was the only way to complete ID verification but that was not true. Truist 's actions and conflicting information provided by their customer care team actively precluded me from completing the activities for the bonus. When they restarted my account they should have ensured the offer applies too so I had a fair shot at completing it. 

2 ) They were still offering the same promotional offer to new customers between XXXX XXXX to XX/XX/2023. I have a screenshot showing the online ad that was displayed. That is the time period in which I completed the same activities but I am not getting the bonus

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 2023-10-23
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have had a horrible experience with venmo. My account was hacked and money was taken and put in a XXXX  account that does not belong to me nor do I know who it belongs to. I don't even have XXXX  myself to be quite honest with you. I have contacted XXXX  regarding the matter and gave them all the information that I know. I gave them the make and model of my device, the state I'm located in, the name of the person that was on my venmo transactions. When I noticed that my account was hacked I immediately contacted venmo and upon talk with a venmo representative she agreed that my account was hacked so I took the proper steps necessary to gain access back in my account. I provided all the proper documents that were asked of me. I was then able to get access to my account that's when upon looking I noticed the unauthorized transactions. I filed the disputes and with in two hours my venmo account was frozen permanently. Venmo would not give me any kind of reason why it happened either. I know I personally did not do anything to go against the user agreement. I do have a tax Id that venmo verified so I could make business transactions so I know I didn't violate anything by that. I finally was able to talk to someone through venmo and they finally told me that my account was frozen permanently due to the fact I filed the unauthorized transactions. I had every legal right to file the disputes without getting my account frozen especially when it was proven that my account was hacked. I had a little over {$1300.00} taken from me. I followed the right steps and let the right people know that it was hacked. I feel like I got punished for going about this situation in the right way. I still have money on my account as well. I didn't do anything wrong. I just want to get my account back and my money asap. The freeze was placed on XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In 2019 I obtained a loan to purchase a vehicle with Ford motor credit after having the vehicle for 6 months I ended up in XXXX XXXX I was not able to pay the monthly payments while XXXX  so I arranged to have the truck returned to the lender volunteerly, after vehicle was returned Ford had written off the total balance of the loan, but after that process they then months later reported a negative balance on my credit report, it's reporting as late currently my issue is that Ford never communicated with me to notify that there was going to be a negative or remaining balance, it was just put onto my report without notification of the debt, u didn't receive any notices from them, I would like to request the validation of the debt exercising 15 u.s.c 1692g Ford did not properly notify me any amount owed.i would like to have this validated proof of prior collection attempts sent to me.the amount negatively reporting to my credit reports is {$10000.00}, original amount owed was {$47000.00} the written off amount that shows on my credit report is {$45000.00}, need to validate records showing what the {$10000.00} charge is for I was never given any notice of any of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was coerced into using my forebearance by a representative at the company the moment my first payment was due. I explained my income and that the payment was not affordable and they directed me towards forebearance as an option. Once my income increased, I began paying my loan, as to not continue to allow interest to accrue. Again, I was misinformed on payment options. Given a payment plan that would just increase their financial gains and not impact the actual balance of my loan at all. They futher declined to inform me that the payment amount that was given to me for the plan DOES NOT even cover the interest that accrues every month. I have been paying my loan for 4 years straight not missing a payment. The site says that I have paid -11 %. It should not be legal to even offer an amount that does not cover interest. I could afford to pay double my amount paid and had this information been communicated to me I would have done so. It would not have been comfortable to pay but sacrifices would have been made. After giving so much after four years it is completely devastating to look and see that your loan is never moving. I feel like NAVIENT should incur the cost of my interest the past four years and put my payment towards the actual loan. They were deceitful in their practices and even the site does not correctly portray my payment status. I did n't realize I was n't making an impact until I signed up for credit karma and was shown an overview of my loan and all of my past payments. The navient site needs to correctly display your payments and loan amount in a way that portrays what is actually happening. You are becoming negative in your loan by accepting forebearance or a payment that is lower than the interest. Their needs to be a sense of transparency in banking the same way it is placed upon other industries. Your interest paid per month should be displayed in comparison to the actual payment. I did not choose the payment amount. The bank maliciously gave me an amount too low to cover the interest rate in order to take advantage and make financial gains on students who are already facing unemployment or under-employed in this economy. At this point I was looking to purchase a house and expected my loan to be down to {$25000.00} and was shocked to realize it increased {$5000.00}. In all fairness, Navient should match the equivalent amount of all payments made since 2013 put directly towards my principal. They arbitrarily put a portion of my payment towards interest and the rest towards principal. Throughout the statement the amount constantly changes. Sometimes only putting XXXX dollars towards my principal or nothing towards the interest. Then there are random capital interest charges that were never explained. Please let me know if I have any documents that can be of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
Re : XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under 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 2022-12-16
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:
In accordance with the fair credit reporting act XXXX XXXX acct # XXXX XXXXXXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: LEXISNEXIS
State: VA
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:
Lexis Nexis is reporting a huge amount of errors they are as follows : Lexis Nexis Consumer # XXXX Wrong Name I have never used this name nor do I accept anything in anothers name Records 18-20 Wrong Name I have never used this name nor do I accept anything in anothers name Records 25-27,37,41,57 Record 1-4 not my email address Record 5-8 I never had these email Insurance Policy Records Record 1 I have never had this insurance company and I have never had a return check Record 3 I have never had a drivers license in new York Record 4 they never reimbursed me for a rental I was not at fault I was not the one involved the person committed insurance fraud there was absolutely no damage to the XXXX XXXX Section 10 Records 2-5 I have only had/have a license for the state of Virginia and international drivers permit Alleged DL violation details Records 1-3, 5-8 ALL THESE FRADULANT CHARGES WERE NOL PROCESSED, NOT A CONVICTION Record 4 I have never been convicted or cited for driving under suspension or revoke Record 13-15 ALL OF THESE CHARGES WERE DROPPED THERE WAS AND IS NO CONVICTION Records in the CLUE section Record 1 CLUE File # XXXX I have never had a policy with XXXX XXXX XXXX XXXX CLUE File # XXXX, # XXXX, XXXX I have never had a policy with XXXX , I have never had a policy with XXXX XXXX, I am not XXXX XXXX. 
Addresses : Address ID # XXXX this is a nonmailable address, this is an address that is over XXXX years old # XXXX this is not an address I have ever lived at it is a nonmailable address You must remove ALL the listed addresses on the report ALL of them are nonmailable, ALL of them are over XXXX years old. Please update your records with the proper mailing address : XXXX XXXX XXXX XXXX VA XXXX Additionally, without providing a valid contract binding me with any alleged " creditor '' and/or arbitrary verification pursuant to said contracts, they must be removed from showing anything negative in their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital one has previously responded to my inquiry regarding the account be closed and the checks bouncing back, now today the XXXX of XXXX I recieve a email at about XXXX that the check has been deposited, the same check that had bounced back. Doesn't make sense my account was closed and I can't access anything on my account and I need answers to this. I left previously on your voicemail many voicemails to get me a call back and nothing or anything has called. I need answers towards if that deposit was made and my missing money on my account and when will I receive that funds left in my account, because capital one is stealing my money right now, I have pictures and proof of the emails and deposits and I will attached to this complaint. I need answers, and please respond to my complaint accordingly, Account number XXXX Don't know why banks are like this and always fail to provide answers and we have to go to this extreme. I'll be waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: A & O Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report on XX/XX/23 because I was denied a car loan due to a collection account. The collection agency is CCI for a XXXX XXXX XXXX. I moved away and was no longer in the service area for their service. I did not have a past due bill with them. I believe someone obtained service in my name, but this account does not belong to me. Nor should it be on my credit report. I filed a police report and was encouraged to file a report with CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-01
Company: Montgomery County Credit Bureau
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
WELL, I notice not right information on my credit report like dates the balance was not accurate so dispute them, but it came that it was not corrected or change. because the amount from my records and the amount the company I had credit with was always not accurate or corrected and always a month or 2 off after I made a payment. PLUS WHY it still show a bad payment history. when the company with bad payment history was remove

Company response to consumer: Untimely response
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy. Also 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 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 2023-04-20
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: Reporting company used your report improperly

Complaint:
Re : XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account Number XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation