BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I received a email from capital one that my 4 banking accounts would be closed and they decided to end a banking relationship. Thats cool. 

I went into the bank account and they froze my account and will not allow any withdrawal. I ask them why my account could not be closed so I can get my money and they told me its because my account is under investigation. They refused to tell me what is was under investigation for or give me a time line on when a resolution would come. The representative told me it could take up to 90 days, up to 90 days of CAPITAL ONE ILLEGALLY HOLDING MY FUNDS and preventing me from paying my bills. Im in the process of having a attorney look into this and to get the courts involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to use my card on XX/XX/21 at XXXX XXXX restaurant for approx XXXX and card was declined, tried to use the card elsewhere and still declined. I was not able to log in to my account either. I was finally able to reach them by phone and was told my account was under review. Next day got an e-mail that my account was suspended and I have no way to get my money from the card over {$6000.00} I can not withdraw, purchase or anything and they will not help me the only phone numbers they give just ring and can not leave a voicemail. My paycheck is also deposited to this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: MO
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:
Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on XXXX 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My car that was financed through XXXX XXXX was totaled in XXXX, 2021. My insurance company XXXX XXXX ) paid off the balance on XX/XX/2021 ( XXXX ) After XXXX  was paid, as noted on the Trans Union report, they reported to the credit reporting agencies that they had repossessed the car. My credit score dropped severly and I have been denied credit several times.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX  I was a victim of identity theft and my information was used to open numerous financial accounts under my name, one of those companies being XXXX. On XX/XX/XXXX a credit card was fraudulently opened under my name. I found out about the issue on XX/XX/XXXX. It took me awhile to understand the credit reporting industry and after learning what was needed to be done I filed a report with the federal trade commission and contacted every company where an account was opened under my name and every single one of them took the appropriate steps to remove the inaccurate information from my credit report except XXXX. Ive called them more than 10 times Ive mailed in letter more than 5 times and every time they refuse to remove the information without giving me a reason to why they could 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 non-monetary relief
Consumer complaint received 2021-04-01
Company: Tate and Kirlin Assoc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
First of all they are calling my place of employment. The messages left are recorded stating they are going to contact my Human Resource Department to take proper action on this matter. I called back several months ago, they are trying to collect a debt on a balance that was discharged over 11 years ago. I asked them to send me paperwork that showed the balance is mine. They could not even tell me if it was from a credit card or a store credit or a definite place this balance was from. They just wanted me to agree to a payment arrangement. I told them I could not do that untill they sent me the paperwork that backs up their claim. Until this date I have not received anything in the mail, however the calls have not stopped. 
They come from a local number and to mask their identity. They never gave me the name or address of the company either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a complaint against Ally Financial Bank regarding the mishandling of my loan payments. I have been a customer of Ally Financial Bank for several years and have always made my payments on time. However, in the past few months, I have encountered several issues with the way my payments have been handled. 

Firstly, I noticed that Ally Financial Bank has been reporting incorrect payment amounts to the credit bureaus. Despite making my payments in full and on time, my credit report shows that I have missed payments or made partial payments. This has resulted in a negative impact on my credit score and has caused me great distress. 

Secondly, I have made overpayments towards my loan balance, but Ally Financial Bank has not applied the excess amount to my principal. Instead, the bank has applied the overpayment towards future payments, resulting in interest accruing on the balance unnecessarily. This is an unfair and unjust practice, and I demand that the excess amount be applied towards my principal balance as soon as possible. 

I have attempted to resolve these issues by contacting Ally Financial Bank 's customer service department, but I have not received a satisfactory response. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in resolving these issues. 

I request that the CFPB investigate this matter thoroughly and take appropriate action against Ally Financial Bank for the mishandling of my loan payments. I also request that the bank correct the reporting of my payment history and apply the overpayment to my principal balance as soon as possible. 

Thank you for your attention to this matter.

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 2021-04-01
Company: CITIBANK, N.A.
State: NY
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 called to dispute these 2 inquiries from citi bank/best buy and got a letter confirming that it would be removed since last year. Unfortunately i no longer have the letter to confirm that ... and these are still on my report. I want them removed

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 2018-04-26
Company: Experian Information Solutions Inc.
State: NJ
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 are three inquiries on Experian that were fraudulently done. I went on XXXX and file an Identity Theft Report. FTC report number 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 2024-01-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a checking account at Truist. I deposited {$25000.00}. This was for a XXXX account ( XXXX ) on which I am the sole owner. 

On XXXX they sent a letter saying they were going to close the account and there was a fraud investigation. 

On XX/XX/XXXX I went to the branch to check on the status of my account and was told that there was a security investigation for possible fraud and that the bank was closing my account and terminating the relationship. 

I filed a complaint on XX/XX/XXXX with the bank. 

All the bank will tell me is that there is an investigation and that I can not access my funds. It has been almost 2 months, I am going to be evicted. 

At no point did the bank contact me for information nor the issuer of the check. The issuer actually sent me a copy of the cancelled check. When I call the bank, I can get no information on when I will get my funds or what they are actually investigating.

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 2021-04-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Im filing a complaint on the Bureaus for not responding to my disputes after 30 days have past. According to the FCRA Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, it has been over 40 days days so they should be deleted promptly. 

On XX/XX/2021, I sent letters to the bureaus concerning false reporting of unvaildated and unverified accounts on my report still haven't heard a response. These furnishers need to abide with the LAW and stop trying to take advantage of the lil guy. 
I am the original creditor and only I can validate these debts, and I Do Not valid any of these 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 explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXXXXXX 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 2021-04-01
Company: P&B Capital Group, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a text message for a XXXX XXXX ( not my name ) stating that a P & B would take negative action on my account. I have no account with P & B. I am not XXXX XXXX. They ahve also called from various phone numbers alleging an amount owed. I do not have credit cards and do not borrow. I have never heard of P & B. 
Text was received from ( XXXX ) XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2023-06-12
Company: Affirm Holdings, 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:
After purchasing a car my credit dropped which was expected so I continued to live life normal and pay off my credit and pay my car loan on time. 
Then all of a sudden I check my credit a month or two later and it continued to drop, the reason why was because of " personal loans '' that were opened and loans that are past due, they are opened with Affirm INC . I can see only partial of the account numbers that are associated with the loans. I cant see the location they were opened with, the email, nor the name. I have no way of going into this account to close it, I have no way to let customer service know the account numbers for the loan so they can pause it or close the account down. But they are connected with my credit and it is dropping it tremendously. ( over 100 points )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I first realized my account was locked on XX/XX/20. After calling waiting on hold over an hour I was told the account was froze due to my recent address update change and they needed me to verify my identity which would consist of me faxing my legal documents ID social taxes lease and a bill showing my new address. I complied and did so calling the next day on XX/XX/XXXX to confirm that documents were received I said yes to wait 5 days and call back. I called on the fifth day just to be told they couldn't unlock my account because they couldn't read the documents I had faxed. Once again I have to pay to have faxes sent each time this has gone on for almost a month now total I call every single day and speak to somebody I've even spoken to supervisors multiple times just to be told my accounts being reviewed and or my documents were not accepted. My ID card does not match my new address because I just moved and in order to get a new card I would have to purchase another one to change my address. That would require me using funds on the card that they have Frozen. There is no excuse or reason why my account has been locked this long I have no access to my money my bills are all past due I don't have any food on my table and my electricity is on the verge of being shut off. There is no way to contact the fraud department that's supposedly overseas and verifies address & identification. All I did was change my address online thinking it was the right thing to do considering they never mail me anything I just have an online account that I use to get my unemployment benefits loaded onto. I don't know why my voter ID card has not worked with my new address on it or my recent bills with my new address and my name, my lease agreement with my name, address on it have NOT been acceptable?! I've made numerous attempts to get this handled multiple times a week with no avail & nobody can give me answers or direct me on who to talk to that has the power to unlock my card I need help immediately for this situation has become an urgent and serious matter. As of today XX/XX/20 my account is still waiting to be reviewed after reflecting and uploading all my documents once again to them at the beginning of the week. Please help me resolve this and get my funds back to me before I am out on the XXXX, XXXX from not being able to pay my rent. 

Sincerely, 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 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2022-08-12
Company: SYNCHRONY FINANCIAL
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a reservation on XXXX on XX/XX/2022 for {$380.00} for a 2 night stay at the XXXX XXXXt in XXXX XXXX. Upon contacting the hotel, I was told there was no reservation in my name and the hotel does not have a contract with XXXX. I contacted XXXX and the advised me to wait until the check in date and the hotel would have it in the system. On the day of check in when we were in XXXX XXXX, the hotel again said there is no reservation in my name and they do not take reservations from XXXXl. I again reached out to XXXX  and they contacted the hotel. I have an email from XXXXl stating the hotel is overbooked and can not accommodate my reservation. XXXX has a 100 % refund guarantee if you are unable to check into the hotel. I disputed the charge with PayPal credit and they continually side with the merchant because they have a non-refundable cancellation policy. The reservation was never canceled. The hotel had no room and the hotel has said anyone can call them and they will confirm a reservation was never made in my name nor was any money received from XXXX for a reservation.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an 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