BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I made a wire transfer From 5/3 Bank located at XXXX XXXX XXXX, XXXX, TN XXXX to XXXX with an amount of {$4700.00} to another bank in XXXX. For some reason the wire went and they didn't recognize the receiver, I requested my wire amount to be returned from my Bank 5/3 bank. They approved the return request beginning of XX/XX/2022. Right now, they can't get me the fund back, they keep saying they lost the money and kept saying they are communicating with the other bank in XXXX and can't find the money, they can't do their due diligence and they are intentionally don't request the money from the other bank, 5/3 bank also refused to give me their internal communication messages to prove if they already asked the bank in XXXX for my Money, I called the other bank in XXXX and they have no idea about the money and have no request from 5/3 bank. the amount has been as negative in my saving account for 2 month, it affects my budget and my family expenses, simply I need the money that my bank approved to return it two month ago, the bank manager is XXXX XXXX XXXX and her email XXXX. the teller who made the transaction is XXXX XXXX. 
my account is Saving account and my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was not eviction. I didn't own no money. The manager of the apartment Stat that in text message. I still that he was removed this my credit report. I been going back forward with him about having this removed. Now it's on my credit report 2 time. I only live there one time.

Accordance with the fair credit it reporting act XXXX  account # had violated my rights.

15 u.s.c 1681 section 602.A. state I ha e the right to priva y.

15 u.s.c 1681 section 604A sect63 : It also state a consumer reporting agency can't famish account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital one has failed to respond to any of my letters or emails or voicemails. They seem to only respond when I make a claim through you guys. I called XXXX, many times and nothing has happened. As mentioned before I'm submitting a claim regarding my account ending in XXXX, my account has POSITIVE balance for that account is {$12.00}, XXXX, and I still don't understand why if you guys already decided to close my account and end relationship why has a check haven't been sent to me for the remainder balance in my account, capital one by law can not keep any of my money and must send a check to me for balance remaining, account should have already closed there no negative balance, so I should have already been issued a check for the amount shown above, i received mail of my account and shows me a balance. No letters as of why you decided to end relationship, nor when my account will close NO time frame has been provided, like I mentioned no answers are giving to me without me making a claim with the consumer financial protection bureau, please help me escalate this and get my money sent out to me. 
Why is it taking capital one months to close account with a positive balance. Not my checking or my savings accounts ( 2 ) why are they still open not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
I had a credit card through XXXX XXXX Credit Card through XXXX  XXXX opened XX/XX/2019 which was purchased by Goldman Sachs this year. I had payments set on autopay and was never late.

When the acquisition occurred it was not communicated to me by mail or email and the autopayments were shut off. 
I received a notice that a payment was past due from this company I never opened an account with an had never done business with. Confused, I called them and they told us they acquired my XXXX  XXXX XXXX Credit card and they didn't keep my autopay active, I immediately asked if this would affect my credit, they assured me it was not as it was a result of the acquisition and many customers had the same issue. 
I set up autopay and made a payment the following month they didn't process the auto pay and we went through the same process of waiting on hold for 45+ minutes so I just paid the balance in full of more than {$4000.00} on XX/XX/XXXX to avoid dealing with the incompetence. Then, they reported me late and my credit score dropped by XXXX points as a result of their false report. 
I have never had a late payment on this account or ANY account in the last XXXX YEARS of my life. I am BEYOND frustrated with this company, its 45 minute hold time, violations of federal law in both communications, payment and managing acquired customer accounts. 
This business had legal obligations to communicate with its acquired customers regarding automatic payments and it failed to do so. 
This business falsely reported a late payment adversely affecting my account in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-04-21
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: Credit inquiries on your report that you don't recognize

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I received a loan from XXXX XXXX when trying to finance furniture in 2019. I have been paying my bill online. I was told that they dont offer this type of loan so I refinance. Today I get a notification from transunion that XXXX XXXX reported 30 days late in the months on XXXX XXXX XXXX and XXXX. But on my XXXX and XXXX Im not late at all.. im confused Im unaware of these late payments and can not understand why they are now showing on my credit report one year later and the account has been closed for 3 months. I have tried to get this resolved with the company I even have bank statements as proof that these payments were made on time.

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 2018-05-20
Company: Lendmark Financial Services
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted LendMark Financial directly as well as the 3 credit bureau 's. I  have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. 


I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a " XXXX XXXX '' branded XXXX credit card provided by Comenity bank. I use this card monthly for purchases and pay the balance in full. According the marketing and terms of the card, " points '' should be accumulated when purchases are made. These points can be redeemed for rewards, Sony purchases, etc. On XX/XX/XXXX I received an email from the company stating that " were working hard to fix the rewards issues caused by our recent system update '' - I examined my account and noted that no points were accumulating despite eligible purchases being made on a monthly basis. After several months of waiting, I contacted the company on XX/XX/XXXX via their messaging center and notified them that points were still not accumulating. They requested that I contact the " XXXX XXXX team at XXXX '' and when I did so on XX/XX/XXXX, the representative I spoke with confirmed that my account was in a broken state because " XXXX accounts exist in our system and they aren't linked. '' She confirmed this is not something I caused or could resolve, and that she would escalate my case for resolution in XXXX weeks. Because the issue was not resolved, I called again on XX/XX/XXXX. Again the rep stated the issue needed to be handled by their " XXXX  department '', sent me an email with a case number, and estimated " a couple of weeks '' for resolution. Noting that the problem had still not been resolved, I contacted XXXX again on XX/XX/XXXX. Again I was told " we will send this to our XXXX  department, please wait XXXX weeks '' - I do not believe the company will ever make good on its promise and would like assistance in reaching a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
about XX/XX/XXXX, my American Express Serve debit/credit card was stolen near XXXX, Texas. In XX/XX/XXXX when I realized this, I contacted American Express and had the card suspended and a replacement sent to my mailing address. I know the name of the parties who stole the card and provided this to American Express. I submitted theft/credit card misuse complaint report with XXXX, Texas, police department about XX/XX/XXXX as is required. I provided all relevant info to XXXX, Texas Police Department and this complaint was sent to a Detective in the department ( Fraud Department ). I opened this account about XX/XX/XXXX. This account card is used as a debit and credit card, both and often the user must show identification to use the card for transactions, therefore, this case involves Identity Theft. The thieves in this case also were in possession of my state issued identification card and social security card, as well as insurance cards, etcetera. This account has Fraud Protection on it. American Express informed me about XX/XX/XXXX that I had to submit a completed Declaration of Fraud form, including for every fraudulent transaction that occurred during the time the card was out of my possession ( from XX/XX/XXXX to XX/XX/XXXX XXXX, which I did. This took several months. Over the course of the next couple of years, at some point I was also informed that I had to write a letter to the American Express Serve Office ( Account Protection Office ) in Georgia, which I did do. Fact, I was a XXXX XXXX XXXX  and was involved in several civil law cases during this time period, as still am. The files pertaining to this case and some others keep getting stolen, causing problems in proceeding with resolution in this case. After repeated attempts, American Express stubbornly refuses to return the stolen funds ( more than {$5200.00} ) .. The persons responsible for the theft are ex convicts with history of these kinds of thefts. I have made it clear to XXXX Police and American Express that I am willing to work toward prosecuting these individuals, including so that they can't do this to anyone else. American Express 's refusal to return these funds, even temporarily, is hampering prosecution on this case. In the meantime, the card as stolen again ( in XXXX ) and the thieves stole more than {$7200.00} from this account during a 9 month time period. As a last resort, I turned to the Texas Department of Banking regarding American Express odd handling of this case. From there I turned to the Office of the Comptroller of the Currency, who referred me to your agency. I am only asking for return of the {$5200.00} ish funds stolen from this account during the 5 month period the thieves were in possession of this card. American Express is in Breach of Contract on this matter. Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2023-12-18
Company: EQUIFAX, INC.
State: MD
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:
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.

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 response to consumer: In progress
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting agencies keep violating my rights as a consumer. They havent made or investigated any changes, and it's been over 90 days. The accounts that I'm complaining about are reporting on my consumer report incorrectly and need to be removed. Every negatively alleged account is reporting inaccurately and erroneously, which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting Incorrectly. Please have them conduct a full and complete investigation on my credit report. Please don't just have them do it by e-oscar. My life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Moreover, they didn't follow the proper 5-step validation procedure, which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

They are also suppose to send me investigation letters which i have not received about disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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: Account information incorrect

Complaint:
Its late payment of self account being reported thats inaccurate I sent the a letter in and it hasnt been re moved its also been over XXXX + days

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 2017-07-18
Company: FIRST HORIZON BANK
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Home equity line of credit.   XXXX   paid off balance in full asked them to close account.   XXXX   received bill statement with " purchase  XXXX  '' and "   XXXX    cash advance finance charge '' did not use account and had believed it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Sent letter on XX/XX/XXXX to XXXX XXXX re : account closed on XX/XX/XXXX. This was due to the last Real Estate crash., Date of first delinquency by me was XX/XX/XXXX, which is over 6 years. In my XX/XX/XXXX letter, I asked them to remove their negative comments, They continue to report that my % of delinquencies are too high. This is my ONLY one. I have one with them only for {$840.00} which is 6.25 years. My request & removal of comments were denied. Their actions resulted in an XXXX score that is XXXX points below the other two agencies.. 

I have held a XXXX with XXXX XXXX since XXXX. They claim my card is only XXXX XXXX XXXX. They continue to report that I have too high credit usage, my usage is currently 17 % of their card ( my only credit account ) .I have asked by phone repeatedly to correct since XXXX. The last date of my earliest delinquency is XX/XX/XXXX, m which is 7 years old. They continue to report both of 2 negative comments : Too high credit usage, which is now 17 % of my only card, XXXX XXXX. Also too many serious delinquencies, I have only one ( XXXX ) which is now 6.25 years old.

Both of these actions have resulted in my denial of a reasonable car loan, based on the negative comments. I am asking that you remove these comments immediately from all 3 credit agencies.

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 2023-11-23
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated.

Company response to consumer: Closed with non-monetary relief