BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The names and address on my credit report are wrong. i never lived at any of these address and none of these names are mine. these are the names that are wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the wrong addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX texas XXXX XXXX XXXX XXXX XXXX texas XXXX These are they wrong employers. 

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 informations inaccurate. 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 2023-02-28
Company: EQUIFAX, INC.
State: MD
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Chime Financial Inc
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit builder account with Chime Financial was closed by me on XX/XX/2022. At the time I had available credit of {$89.00} and some change. I called to inquire about the refund being mailed in XXXX of XXXX  in which I was told was already mailed out. Today is XXXX and I have yet to receive anything. When calling to inquire about it I am told the same thing every time, we have already mailed it just wait for arrival via mail. Im tired of getting the run around with no foreseeable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was a victim of a check washing crime back on XX/XX/22. A check for {$1900.00} was stolen some how in the mail service and was cashed under a different name. The check was cashed on this date and I immediately went into the bank to file the paperwork on XX/XX/22. I was notified that someone would get back to me regarding this problem. I have made repeated attempts to contact the Huntington Bank branch in XXXX IL since then to determine the status of the funds but they continue to tell me it is under review. I have not had reimbursement of these funds since this date and I want to understand what rights I have since this has take a significant amount of time and I was not at fault regarding this fraud. I was informed that it could take up to 120 days to resolve the matter and today is 120 days. Can someone please investigate what are my rights to retrieving my money back from the bank. I have contacted other banks which I have done business with and the typical turnaround time is not more than 30 days for reimbursement.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Trans Union is reporting a collection debt on my record without any knowledge at all - I have not received communication or details other than a manufactured name - XXXX  there is no XXXX  in the usa nor am i associated with anyone named as such Trans Union has my wrong spelling and XXXX is just reporting something from XXXX XXXX  have no accounts with XXXX XXXX  and someone from resurgent is harassing me which is associated with XXXX Trans Union lost data and all of our ss numbers went offshore I want NO dealing with Trans Union I lost a job because of 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 2023-03-06
Company: BANNER CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for an opening checking/savings bonus offer. To receive a {$100.00} bonus for the saving account, I was supposed to " Deposit a total of {$1000.00} or more in new money within 30 days of account opening, '' " Maintain a {$1000.00} minimum daily balance of {$1000.00} or more for 60 days, and " Set up monthly recurring auto transfers of {$25.00} or more from your Banner Bank checking account to your Banner Bank savings or money market account. '' I satisfied all these requirements including setting " up monthly recurring auto transfers of {$25.00} or more from your Banner Bank checking account to your Banner Bank savings or money market account. '' However, I am now told I am not eligible because I set up the monthly recurring transfer myself online instead of getting someone from the bank to do this for me. This is nonsensical and not in the terms. If I was required to go to someone from the bank to initiate the monthly recurring transfer, I certainly would have done so ; but it was not advertised in the offer so I never had the opportunity until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX and I am submitting this CFPB complaint as a follow up to the previous Complaint to remove the fraudulent items. I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit reporting act section 605b, as the Credit Reporting Agencies, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was Hacked by wire transfer for {$140000.00} dollars. Union Bank recovered only {$110000.00} dollars of it, with an outstanding balance of {$28000.00} to still be recovered. At this point they will not call me back and I do not know what to do. If I had known the Security on my account was so poor I would of never opened an account with Union Bank in California.

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 2023-03-06
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
Opened an auto loan account. Been making the payments timely and the balance has went down. The company has never reported the accurate balance since opening the account. I advised of this, dispute with the Credit Reporting Agency XXXX, and it still has not been updated. Spoke with representatives from the company, and still not being accurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity w as compromised and an account on my credit report for a XXXX account that I have no knowledge of. I called TRANSWORLD SYSTEM INC at ( XXXX ) XXXX in early XXXX. The representative has a different address that I never resided at, and Ive lived in XXXX since XXXX. On XX/XX/XXXX a direct email, yet ANOTHER email was sent to " XXXX '', who has failed to respond. I included the police report and FTC filing. The name is XXXX XXXX and that email was provided to me by customer service when there is fraud or documentation needed to be sent. This needs to be removed from my credit immediately since it w as not done by me, nor allow ed under any circumstances and I have no prior know ledge of. This is indeed fraud. I have no affiliation with this company, past nor present. This item is in all 3 credit reports that was never authorized, and I had no know ledge of in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-03-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint has claimed to never receiving any loss mitigation documentation from Ditech or being notified of my loan being in review prior to servicing my loan. Yet, included in their last response to my complaint dated XX/XX/XXXX Shellpoint included a letter from Ditech, which stated it had received my application for loss mitigation. Unfortunately, my application was incomplete at the time, but I had until XX/XX/XXXX to submit the missing documents. I have attached the letter for your review. However, XXXX filed for Final Judgement against me on XX/XX/XXXX. How is a loan in foreclosure with a final judgement of XX/XX/XXXX, then reassigned to Shellpoint for servicing on XX/XX/XXXX? Also, if Shellpoint had no knowledge of any loss mitigation documents being received by Ditech, the previous servicer; please explain the letter included in Shellpoint answer to my complaint dated XX/XX/XXXX. The letter attached is from Ditech dated XX/XX/XXXX which clearly states, Ditech received my application for loss mitigation. They have violated the CFBP and RESPA numerous times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 my Citizens bank debit card was flagged for fraud and my transaction was declined. I attempted to call and on hold for 30 minutes and the recordings said I could perform the " Unfreeze '' online. I hung up. I was unable to unfreeze and the mobile app ( and online via computer ) noted to call the same number. I was on hold for approximately 45 minutes and actually got a person, who could not assist and coldly transferred me to a fraud line. He did not provide the number. After being on hold for well over an hour, I walked into a branch, XXXX XXXX, XXXX where the employee said he would assist. He verified my information and I hung up to only be informed he needs to call the same number, the first number, not even the fraud number and he could not assist. I had spent over 2 1/2 hours between all forms without resolution. I left the branch. I attempted to call again on XX/XX/23 and after being on hold for almost an hour, was hung up on without speaking to anyone. 
This issue is still unresolved and causing serious issues and non payments. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: ID Analytics, 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:
i was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX  # XXXX has violated my rights.

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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 2023-03-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a barclays master card for a while now with a credit limit of XXXX and now in XXXX of XXXX they lower my credit limit to XXXX and I called to ask them why and I was told they were concerned that i have to many high revolving credit limits and that is why they lowered my limit. at the beginning of the year i started to pay down the card from XXXX to XXXX now in XXXX they dropped it down to XXXX which now is back at a high revolving credit limit keeping my credit score down. I have even told my wife that this is the year that we pay down all the cards. barclays is telling me that i can't pay my bills, they are running my credit score without my permission. i have never been late on any of my bills. since when does a credit card company dictate on what you can and can not do. I just got an increase on two of my cards this past month alone without asking but i have not used them. I have my credit locked and i don't see how they can see my credit file. if i have to i will take legal action because this does not sound right at all. i can't believe a credit card company can say we don't believe you can make your payments when in fact i have been making my payments on time and never late. what barclay just did was to steal the money that i paid to them when they lowered my credit limit.

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 2023-02-11
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2023 about XXXX XXXXXXXX  had a call from XXXX XXXX XXXX asking if I had made a {$600.00} purchase of perfume at XXXX on XXXX  credit card, then started asking for SS #, date of birth, mothers maiden name and no. of additional credit card and I did not give it to the person and she said if I did not they could not take the {$600.00} charge of the XXXX card. 
So I said just leave it on and we will dispute it. I hung up, checked XXXX and no purchase as described in that account. Called the Credit card and they had no record of activity. So my belief is, they were just trying to get the number of my XXXX. 
the lady had a heavy foreign accent. 
I am concerned that they are trying to gather info about our families financial history. 
I hope that whom ever use this phone no. to call can be discovered.

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 2023-03-06
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened in my name online on XXXX with First National Bank of Omaha . 

This account was not opened by me ; additionally all 3 of the credit agencies have freezes on my credit, placed there by me.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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