BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX and I have a few concerns Based on : 15 U.S. Code 1681 3 ( a ) ( b ) ( c ) Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; XXXX XXXX Original creditor : XXXX XXXX XXXX Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX. XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Date opened : XX/XX/XXXX Account type : Collection Please delete these items as soon as possible! 
Also XXXX has stated that they dont have any information furnished to my credit report and if this is the case then these are not my accounts. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXXDEPT OF ED Account number:XXXX XXXX XXXX Account number : XXXX XXXX I need more clarity as the reports with the three credit bureaus does not make sense.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: IA
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:
There is inaccurate information on my credit report. This company has not resolved the complaint and therefore are not in compliance with the FCRA laws

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 2022-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I was checking my bank ( USAA ) account and saw that my savings account showed {$32000.00} was transferred out of my account without my knowledge. I immediately contacted a USAA rep by the name of XXXX and asked my questions about my complaints and he would forward to the Fraud Dept. of USAA. He said check back in 5 days. While I waited I looked closer into my saving account and saw that there were XXXX transfers from my account, in the amount of {$5100.00}, {$10000.00} and {$15000.00}. They were transferred into two other USAA Savings accounts. All these transfers were on XX/XX/2022. I was never notified by USAA that these transactions were happening. A Red Flag should have went up when they all happened in one day. To this day no notification from USAA. On XXXX XX/XX/2022, I called USAA and was forwarded to a Rep name XXXX, Security Specialist ( XXXX Ext XXXX. Again, she asked many questions about my account and I changed my user name, password and pin. She asked my to verify names of my account. My wife, XXXX XXXX and my daughter XXXX XXXX. She had two additional name as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX and XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. I replied I have no idea who these ladies are. These two names were added to my account with new Savings Accounts and this is where the funds were transfered and later withdrawn from these accounts, apparently the funds could not be tracked. I told XXXX ( USAA rep ) I never authorized the name or the transfers. She told me to check back on XX/XX/2022 and I did. She pulled my file and it stated this was not identify theft and I was liable. I said I don't what the correct wording is, but my account was hacked or compromised and that the bank did not protect or secure my funds and trying to put this as my fault. She resubmitted the claim to Fraud Dept. and check again in three days. I asked her if I could speak to someone in Fraud Dept. she said no and I would to get back with her. I think the bank ( USAA ) is blowing me off and not accepting their failure and responsibility of safe guarding my saving account. Why do I use a bank, to protect my assets. I need your help!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 explanation
Consumer complaint received 2022-06-26
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:
In accordance with The Fair credit reporting act XXXX  account # has violated my rights.

15U.S.C 1681 section 602 A I have the right to privacy.

15U.S.C 1681 section 604 A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions. 








In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights.

15U.S.C 1681 section 602 A States I have the right to privacy.

15U.S.C 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a 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 2022-06-07
Company: Experian Information Solutions Inc.
State: IL
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 information was exposed in several data breaches and I need help removing a lot of fraudulent accounts.

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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America - free Spirit Card, I paid off balance in full before the due date to close the account. They charged me interest anyway- {$1.00}. There is no way to get ahold of them on line and the cost of postage is near what this fee is. I believe this is their way of making it that you can never pay off your account, they will always be charging you interest.

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
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
there is inacurrate information on my credit report. This company has not resolved the issue and is not in compliance with fcra laws

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 2023-10-11
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is to complain against the Navy Federal Credit Union XXXX 
URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I would like to draw your attention to XXXX XXXX I sent my complaint letter to Navy Federal , in which I clearly stated how this scam has affected me personallyXXXX XXXX and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Navy Federal never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
General Obligation : Commencing on or about XXXX XXXX XXXX, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my Navy Federal account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Navy Federal did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Navy Federals custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
there is inacurrate information on my credit report. This company has not resolved the issue and is not in compliance with fcra laws

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 2022-06-26
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently ( In XX/XX/2022 ) learned that an account ( XXXX XXXX XXXX phone ) was opened in my name. That phone bill was ran up to {$1600.00}. That account was later sold to CREDENCE RESOURCE MANAGEMENT ... ... .I have sent letters of denial and recently filed an Identity theft report with the FTC XXXX attached ) as well as sending CREDENCE RESOURCE MANAGEMENT the same. I have recently received notification from CREDENCE RESOURCE MANAGEMENT that they have investigated my previous denial letters and requests and have reached the conclusion that this account was validated and verified to be mine without actually providing ANY of the requested documents that are needed to complete their " INVESTIGATION ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
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: Account information incorrect

Complaint:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

XXXX states balance is {$3100.00} experian states balance is {$0.00} XXXX states balance is {$3100.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX states XX/XX/2017

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 2022-09-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a PayPal credit card bill for {$5400.00} in early XXXX, XXXX. 
I NEVER opened this account. 
I have NEVER made a payment on the account. 
This is Fraud. 

I contacted Syncrony Bank and told them that I never opened this credit account and that I only found out about it when I received the bill. It was well understood on the call that this was a case of fraud, and they assured me I would not be responsible for the {$5400.00}. I received a letter from them dated XX/XX/XXXX that confirmed I would not be responsible for the unauthorized transaction, and that the account had been closed. I then received a letter from Synchrony Bank, dated XX/XX/XXXX, and a Fraud Investigation Form that they requested I return by fax, which I did on XX/XX/XXXX ( I have the fax receipt ). 

On XX/XX/XXXX, I received another letter from Synchrony Bank, dated XX/XX/XXXX, denying my fraud claim because they said the account had been open for more than 12 months, and they said I had made a payment. The initial fraud was initiated online, and I was only made aware of it because of the past due bill I received in the mail in early XXXX of XXXX. I assume the payment they received was sent online by the person who opened this account. I HAVE NEVER HAD AN ONLINE PAY PAL ACCOUNT, AND I DID NOT REQUEST OR EVER RECEIVE A PAY PAL CREDIT CARD. I ALSO HAVE NEVER MADE A PAYMENT ON THIS ACCOUNT THAT I DID NOT OPEN. 

I received a new PayPal credit card bill which shows a statement closing date of XX/XX/XXXX. This bill has a different account number and the description of the charges states it is a balance transfer from the initial fraudulent credit card that they had closed. So they have created a new credit card account without notifying me they were going to do so, and without my permission. The total balance on this bill is now {$5500.00} because they have charged interest as well. 

I contacted them on XX/XX/XXXX and explained everything to them again. They have re-opened the fraud investigation and stated " the matter will be resolved in 30 days ''. 

I am filing this claim with the CFPB to ensure there is a record of this fraud, and to ensure I am not liable for the fraudulent charge.

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 2022-06-26
Company: Experian Information Solutions Inc.
State: OK
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 Account Number : XXXX has violated my rights. 


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX XXXX Account 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

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 2021-10-02
Company: FREEDOM FINANCIAL NETWORK
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
instead of closing accounts and working on existing balance FREEDOM DEBT RELIEF, allows the accounts to charge late fees until maxed out then over limit AND late fees I sighed up with XXXX divorce settlement payments. now 2 YEARS LATER my balance is OVER $ XXXX this after {$250.00} a month payments THIS COMPANY MUST ACTUALLY BE WORKING FOR THE CREDIT CARD COMPANY 'S most of these cards still had credit available not maxed out! NOW I OWE DOUBLE on what I started with. DEFINATLY A SHADY outfit. FREEDOM DEBT RELIF, XXXX AZ.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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 4th 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 records 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 XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00XXXX XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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