BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase sent me a letter said terminating their relationship with me and cancelled my credit cards with them. They wont give me a reason. Want to know why cancelled?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: AZ
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:
I appreciate your time to correct some of the erroneous items in my credit file ; however there are still many items that need to be corrected and updated. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: CITIBANK, N.A.
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 am writing to dispute a credit report error that has caused significant damage to my credit score. According to my credit report, I have a delinquent account with CBNA for an outstanding balance of {$490.00} However, I have never had an account with CBNA, nor have I ever received any communication from them. I have contacted CBNA to resolve this issue, but they have no record of me or any account associated with my name or personal information. This has caused me significant stress and anxiety, as my credit score has dropped significantly due to this false information. I request that you investigate this matter immediately and remove this erroneous account from my credit report. I also request that you notify me in writing of the results of your investigation and any actions taken to correct the error.

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 2023-01-09
Company: EQUIFAX, INC.
State: NV
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:
I have filed several incorrect issues on my credit reportwrong social security number and spelling of my name even after I submitted documents. I have filed a complaint with my states Attorney General and XXXX the Fair Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Hard inquiry from Capital one on XX/XX/ that I didnt give permission or recognized Institution Information CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I've been trying to get hard inquires off my credit report throughout this whole year and the credit bureaus haven't been any help on the phone, mail, and online. From my knowledge my credit report have been frozen/locked since the beginning of the year, and company 's are still accessing my credit. The hard inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Affirm Holdings, Inc
State: FL
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:
AFFIRM INC is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: BANK OZK
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT bank ozk 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 Simply I deposited {$500.00} and Ozark Bank sent me a cheque for {$180.00} while closing the account. Explanation/Justification/ no interest added/ forwarded declarations and small cash deposits over the periods/ non recognition.. Password could be XXXX. cell phone XXXX XXXX XXXX XXXX you could send me a code as well. add verification word/phrase what you are wanting or needing the verification word/phrase to be XXXX Need accounting of XXXX. No. XXXX XXXX please. Receipt of declarations and deposits by date. Interest earned and balance website declaration : XXXX XXXX Save more and earn entries to win {$10000.00} {$50.00} minimum opening deposit requirement $ 3 monthly service fee o Avoid the monthly service fee by maintaining a minimum daily balance of {$100.00} or more during the monthly statement cycle o Waived for the first two monthly service charge/statement cycles after account opening Earns XXXX Up to XXXX account withdrawals or transfers per calendar month to avoid a XXXX Unique mobile app savings XXXX Free paper statement To learn how you can earn entries to win {$1000.00}, read the FAQs or Prize Linked Savings Rules ( Promotion not available in Florida ) Bank OZK - XXXX XXXX XXXX, XXXX XXXX FL 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 minimum daily balance always XXXX False advertising, False promises, False representation, Unacceptable Minimum interest and full deposit reimbursement required XXXX dollar monthly fee charged totally reprehensible Will not rest unless false advertising stops for everyone else Must be consequences to this behaviour or will go back to FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear US Bank NationaXXXX, Are We in Loss Mitigation right now? 
Please respond with a letter stating yes or no. Explaining why or why not. 
See attached, US Bank National letter to me dated XX/XX/XXXX to reach out to them for help with mortgage. 
I reach out with a Mortgage Assistance Application on XX/XX/XXXX. 
Sent all disability and income/pay stub attached. 
US Bank Acknowledged by email to me on XX/XX/XXXX - see attached - that they did receive it. 
Please have your Attorney cancel the sale date of my home set for XX/XX/XXXX. 
The letter you sent me dated XX/XX/XXXX, was BEFORE your Attorney got a sale date on 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 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, My name is XXXX and I was recently a customer of capital one until some recent fraud activity occurred on my account, and Capital One decided to end their relationship with me. On XX/XX/XXXX someone accessed my capital one account changed my password and attempted to transfer XXXX from an account and XXXX, but I was able to cancel both transactions before they were completed. At the time of the incident I reached out to capital one to make them aware but nothing was done about it, I only experienced unprofessionalism, and was just told to change my information but that was just the beginning. After that IncidenXXXX weekly I would notice I was unable to login to my account because someone continuously kept changing my password and contact information. Finally on XX/XX/12 I was out with friends swiped my card to purchase something and the card was declined. I then attempted to log into my account and I noticed my password was changed again, so I was finally able to get access and noticed several transactions which were XXXX transactions that were sent to someone lowering my bank balance. There was a total of XXXX transactions that was sent totaling about {$190.00}. When I noticed this I then contacted capital one fraud, and from start to end there has been an extreme lack of professionalism and empathy. Missing the funds is one thing, but the level of violation I have felt because of the lack of protection on my account, and the way it was handled when I notified them I was a victim of fraud has been insult added to injury. After banking with capital one for years and being told that they have decided to end their relationship with me has been extremely frustrating and disheartening. This was not done by me, I have never given anyone access to my phone nor my online banking information, are my bank account information. At this point I am at my wits end and would like this further investigated, because I'm certain Capital One Bank is not thoroughly investigating this matter, and to avoid any other Capital One customer going through this I would like something done about this company, and my money back. 


Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 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 2020-09-17
Company: Experian Information Solutions Inc.
State: MN
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:
When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: MO
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 hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the second attempt to remove fraudulent items from my Credit Report with Credit Bureaus. Despite my previous efforts to address this issue, I am disheartened to find that the fraudulent charges remain unresolved. 

As I previously communicated, I reported several unauthorized and fraudulent charges on my account. In response, I diligently followed your company 's prescribed procedures, promptly notifying your customer service department and providing all necessary documentation to substantiate my claims. Following a thorough investigation, I was assured that the fraudulent charges would be promptly removed, restoring my account to its accurate state. 

To my dismay, I recently received my most recent account statement, which still reflects the same fraudulent charges that I initially reported. This ongoing issue not only causes financial distress but also erodes my trust in your company 's ability to protect my financial interests. 

I have attached copies of my previous correspondences with your company, as well as the documentation that clearly demonstrates the fraudulent charges in question. It is crucial to emphasize that these charges are the result of unauthorized transactions that occurred without my knowledge or consent, and I have taken all necessary steps to prove their fraudulent nature. 

I urgently request that you take immediate action to investigate and rectify the fraudulent charges on my account. These charges have not only caused undue financial hardship but have also seriously impacted my confidence in your company 's commitment to customer security and satisfaction. 

Additionally, I kindly request that you provide me with written confirmation once the fraudulent charges have been removed from my account, along with an explanation of the corrective actions taken to prevent such incidents from recurring in the future. Customers like me rely on your company 's security measures and prompt resolution of fraudulent activities to maintain trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your immediate assist to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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

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 2022-12-30
Company: Experian Information Solutions Inc.
State: MO
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 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 The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account three XXXX XXXX XXXX XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX Open XX/XX/XXXX Account 7 XXXX XXXX Account number XXXX XXXX Open XX/XX/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 account without my written instructions 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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 2020-07-30
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:
Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted/signature received ( USPS #  XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX  XXXX, XXXX. 
# XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Io, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and noticed that I had XXXX XXXX a debt collector with that attempt to collect a debt for the amount that was not owed. I did ask for them to provide the original contract evidence or proof of the alleged debt that, including dates its as well as contracts or instrument bearing my signature. I have not received anything from them

Company response to consumer: Closed with explanation