BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place.

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 2023-09-05
Company: Credit Karma, LLC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am a victim of Credit Karma marketing scams for pre approved credit cards and false/misleading credit scores. Ive had an account with Credit Karma for several years but recently shut down my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Revolut Technologies Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I contacted XXXX to switch the direct deposit of my benefits from XXXX XXXX XXXX XXXX to Revolut. XXXX gave me confirmation that my direct deposit information was updated and my XXXX benefit payments would be deposited in the Revolut account via XXXX XXXX Bank on XX/XX/XXXX. 

Come XX/XX/XXXX, I checked my Revolut account and did not see my XXXX deposits. I contacted support and they stated it was an issue with the sender. I called XXXX and they confirmed that the deposits were sent to the right account and they opened a trace on their end. I gave Revolut this information via the chat feature. I asked repeatedly to be transferred to the department who was investigating this matter, since customer service could not even see anything. I was stonewalled and stated I could not speak to that department and never could, which was a lie since I spoke with XXXX in the Transfer department just the previous week on a different matter with a missing transfer. 

Everytime I ask for updates, I just get blanketed copy and paste statements which provide no actual updates on where my missing {$3300.00} deposit is. I can not pay my rent, buy medication, buy food for my kids, or anything. Never once since I have been receiving benefit payments since 2008, has this ever happened when I have used a real bank. 

To not have any answers and to be told that me asking if the supposed department that is " investigating my case '' is even working over the weekend is an internal matter that can not be told to me, is beyond ridiculous and shady. 

My {$3300.00} is lost and Revolut is being really shady as far as providing actual updates as to what is being done to find and deposit my money. I am facing eviction for non-payment because I am not receiving any answers from Revolut.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting 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:
XXXX XXXX, an individual who was previously employed by me as my right hand man, breached and stole my identity and gained unauthorized access to my credit, even resorting to accessing my mail. It is with a heavy heart that I recount the events that led to this unfortunate situation. 

XXXX XXXX was employed by me in the position of XXXX XXXX at my company from XX/XX/XXXX to XXXX XXXX. During his tenure with our organization, it became evident that XXXX XXXX had several character flaws and engaged in dishonest practices, which ultimately led to his termination. 

Dishonesty : XXXX XXXX displayed a consistent pattern of dishonesty during his time at our company. This included making false statements, manipulating financial records, and failing to adhere to company policies and ethical standards. 

Anger Issues : XXXX XXXX 's conduct also raised significant concerns regarding his emotional stability and anger management. On multiple occasions, he exhibited outbursts of anger and aggressive behavior towards colleagues, creating a hostile work environment. 

Access to Personal Information : As part of his role, XXXX XXXX had access to sensitive company information, including personal data of employees and clients. This access gave him an opportunity to gain unauthorized access to my personal information. 

It has come to my attention that XXXX XXXX, after being terminated, stole my identity and gain access to credit in my name. He went to great lengths, including accessing my mail, to achieve his fraudulent objectives. To address this breach of security, I have since recently implemented measures such as mail digests and heightened security protocols to safeguard my personal information. 

Upon uncovering these grave violations, we took immediate action to terminate XXXX XXXX 's employment and reported the identity theft attempts to the appropriate authorities. We have been fully cooperating with law enforcement agencies and have taken measures to enhance our security protocols to prevent such incidents in the future. 

I want to assure you that I deeply regret any inconvenience or harm caused as a result of XXXX XXXX 's actions. Identity theft is a serious matter, and we are committed to assisting in the ongoing investigation to bring him to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Genesis FS Card Services, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
On or around XX/XX/2022 Destiny/ Genesis FS Card Services sent me terms and conditions of my credit card. I do not consent to the terms and conditions of my account and ask Destiny / Genesis FS Card Service to proceed pursuant to the ( Fair Billing Credit Act ) ( 15 U.S.C. 1666-1666j ) extension of credit. As of date XX/XX/2022 my rejection notice is forced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On Monday, XX/XX/2023, I sent a series of credit disputes to Experian via USPS. These letters were prepared by me personally, and I ensured that all necessary supporting documents, including a copy of my bank statement, social security card, and driver 's license, were enclosed. I dropped these letters off at the post office and paid for the postage. 

However, on Saturday, XX/XX/2023, I received an email from Experian claiming that they received a suspicious request in the mail regarding my personal credit report and had determined that it was not sent by me. I immediately attempted to contact Experian to clarify the situation and confirm the legitimacy of my disputes, but they refused to accept my dispute and have left my concerns unaddressed. 

I respectfully request the CFPB to intervene and investigate this matter. The correspondence was genuine, and the refusal to process my legitimate dispute by Experian is both distressing and in contravention of my rights as a consumer. Their refusal to even acknowledge my attempts to rectify the situation has left me with no other recourse than to seek your assistance. 

I am more than willing to provide any additional information or documentation that may be required for a proper investigation.

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 2023-09-05
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: W&A Intermediate Co., LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I suddenly and randomly have over 5 or 6 records on my collections account from Wakefield & Associates and they were all reported on the same day. It makes no sense and it is definitely not my debt. I really want it removed and asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tendered a payment under UCC 3-603 certified mail # XXXX XXXX XXXX XXXX XXXX Billl of exchange Money order # XXXX on XX/XX/XXXX via notary presentment with Form 233, and 1040v

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
XXXX XXXX XXXX  by XXXX XXXX  is not considered to be payday loan weekly on credit report impact potential negative upon late payments after I did request them to be closed the account so that I could settle special program payments could arrangements unfortunately they refused to close the account before 30 days to put negative potential harm my credit report unacceptable however I did dispute all credit report bureau but not satisfied their results because its clearly not accurate report monthly payments instead of payday loan weekly report. XXXX XXXX XXXX should be considered to be monthly payments upon credit report NOT PAYDAY WEEKLY!!! I did contact them twice but not resolved due to communication access I am deaf to use video relay operator service to assist me communicating access by FCC federal regulators required I did dispute all of them again additionally information support PDF documents for weekly payments scheduled NOT MONTHLY!!! Also interest rates excessive more than weekly long periods I didnt appreciate them

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 2022-12-03
Company: EQUIFAX, INC.
State: FL
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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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 was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/2022.

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 2022-07-03
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for and received an XXXX Credit Card backed by the First National Bank of Omaha. I received the card and when setting up my account online, I saw that someone had already fraudulently charged {$270.00} on the card. I contacted the credit card company three times and they refuse to take the charge off claiming I made the purchase. I didn't have the card or my account number when those charges were made so I couldn't have purchased anything. I have contacted the Dispute Specialists on three separate occasions ( XXXX, case # XXXX ), but they keep insisting I made those purchases which I did not.

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 2022-09-23
Company: Experian Information Solutions 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:
.Ive submitted police reports and ftc reports of this said fraud. This reported information is in violation of my federally protected consumer rights under 15usc 1692g and 15usc 1681b2 and not in compliance with metro 2 standards. This serves as official notice of intent to file suit where my legal staff will seek full compensation for punitive damages per fcra policy you have 30 calender days as of this notice to correct said inaccurate information

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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm TransUnion, who has an open real estate company, and has financial services, that opened collections. Haven't received my 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 non-monetary relief
Consumer complaint received 2022-04-25
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LIST OF ACCOUNT HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A.STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15.U.S.C .1681C. ( A ) ( 5 ) SECTION STATE : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION 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 CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

REMOVE/DELETE OFF OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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:
The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am XXXX getting so fed up I seen to be getting no help I have a son were In transitional housing it's just me and him we stay XXXX ca XXXX XXXX XXXX XXXX CA I am in need of help my social security and every thing I try and nothing I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  payout stimulus go 2 bank XXXX XXXX  acc everything is gone I think I fixed one problem I XXXX can't and haven't received no payments I am begging u please help me I don't know what to do I feel like XXXX cutting my XXXX throat I am struggling with my son please contact me XXXX I can provide valid id social I can't do video call please someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023 I received letters from Lexis Nexis stating that they were unable to locate a bankruptcy record on my consumer file however XXXX is reporting a bankruptcy on my credit file and have advised they obtained the record from Lexis Nexis. I am asking Lexis Nexis to file a dispute directly to XXXX to have the bankruptcy removed immediately as this information reporting on my XXXX credit report is inaccurate. The Case numbers I received from Lexis Nexis regarding this matter are XXXX XXXX XXXX XXXX XXXX. For you review I have attached the letters I received from Lexis Nexis as well as my XXXX credit report showing the bankruptcy that is being reported. This inaccurate information being reported on my credit file has caused me serious financial hardship and I am asking Lexis Nexis to resolve this matter with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 6th exertion 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 XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXX/XX/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