BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
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 QUESTIONING THE INTEGRITY AND CREDIBILITY OF YOUR RESPONSIBILITY THAT I CAN DEPEND ON YOU FOR THE BETTERMENT OF MY FUTURE. BUT ON THE CONTRARY, YOU ARE THE ONE DRAGGING US DOWN TO OUR AGONY. YOU CAN NOT JUST DECIDE WHAT YOU WANT! I FOLLOWED YOUR STEPS TO PROVE MY INNOCENCE!!! I DONT DESERVE TO BE IGNORED!!! YOU HAVE TO REMOVE THESE FRAUDULENT ACCOUNTS!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your refusal to act in the face of substantial evidence undermines not only my financial well-being but also the trust that the American public has vested in credit reporting agencies like yours. It calls into question the very authority with which you operate and raises doubts about your commitment to upholding the standards of accuracy and fairness in the credit reporting system. 
I demand an immediate and transparent justification for your refusal to block these fraudulent accounts. Your reasons for denial must be clear, substantiated, and based on irrefutable logic. It is your responsibility to ensure the integrity of my credit report, and your refusal to take action is a clear dereliction of that duty.

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 2023-02-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I deposited a Check drawn on The Huntington National Bank ( Check No. XXXX ) on behalf of my son, XXXX XXXX XXXX who is currently serving in the XXXX XXXX in XXXX. I have a Power of Attorney to handle my son 's financials while he is serving in the Marines. 

The Check was dated XX/XX/XXXX, in the amount of {$660.00}, for CFPB XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The check indicated Void if not deposited within ninety ( 90 ) days of date of issue. 

After depositing the check in my son 's bank account on XX/XX/XXXX, I was contacted by the XXXX XXXX XXXX and was told that the check was returned by Huntington Bank and could not be honored since it was past the ninety ( 90 ) day period. I was advised to contact the Huntington bank and request that the check be reissued. 

I contacted the bank and spoke with a bank official that advised me that the check was returned because it was " stale dated ''. I was advised to contact the Payment Administrator and request that the check be reissued. 

Upon contacting the Payment XXXX at ( XXXX ) XXXX, I was told that the case was closed and the check could not be reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from my credit monitoring app on XX/XX/2023 that a new account was added to my report. This account was opened XX/XX/2023. I did not apply for this card, nor did I receive it. The address they gave for the fraudulent card is XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I have never lived in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
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:
Can you delete these accounts because they are negative and are not mine? 
XXXX XXXX XXXX XXXX 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I want everything on my transunion credit report remove cause my last name is spelled wrong. Every account is outdated and my name is spelled wrong My name is XXXX XXXX XXXX not 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 2019-08-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Mailed total of 12 letters via express mail for account closure, no response Requested a call back twice for account closure, also no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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:
Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making 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 2023-09-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I used my Wells Fargo checking account to make a payment on my XXXX XXXX Credit Card. Despite having more than enough funds in my Wells Fargo Account, it claimed to have some sort of issue and took the money back from XXXX, without putting it back into my account. Because of this, my credit card balance remained the same ( but I also got charged {$41.00} on XX/XX/XXXX by XXXX for returned check charge ) and Wells Fargo kept the money without returning it to me. The payment I made was {$120.00}, so with the {$41.00} fee, I am out {$160.00} because of Wells Fargo. My credit card review shows Wells Fargo made and withdrew the payment twice. This isn't the first time Wells Fargo has played with my money and I've seriously considered switching banks but I want my money back first.

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 2023-10-18
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 sent a letter last XX/XX/XXXX to remove the items listed below that are 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/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XX/XX/XXXX XXXX U.S. Bankruptcy Court Exempt Amount : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
Company: EQUIFAX, INC.
State: PA
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 am a natural person, I am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Account number XXXX Balance {$130.00} XXXX XXXX XXXX Account Number XXXX Balance {$58.00} XXXX XXXX XXXX Account Number XXXX Balance {$50.00} XXXX XXXX Account Number XXXX Balance {$57.00} XXXX XXXX XXXX Account number XXXX Balance {$0.00} XXXX XXXX XXXX Account Number XXXX Balance {$0.00} ( Shows wrong report dates )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In my last statement from JCPenney dated XX/XX/2021, I notice a late fee of $ XXXX.I called the company customer service department and spoke with one of their agents. I explained that my due date was the XXXX of the month and I had paid the bill on the first of the month through my Bank. I was told that the payment had been received on the XXXX of the month and had been applied to the previous month of XXXX. I had paid the XXXX bill the first of the month so it was not due, in any case, the agent told me that since the payment had come in after the XXXX I was being charged the {$38.00} for the previous month and my next payment was due on the XXXX of XXXX. He then decided that he would wave the & XXXX late fees after he could not explain to me how my paying within the time before my closing date but after my due date when a payment was paid before my due date was already on the book. I asked that all my fees that had been charged to my account be applied to my balance and was told they only return fees once a year as a courtesy to customers. I told him that I would be reporting them to the XXXX  and the Federal Government because this could not be legal. I told him I had never been penalized for paying an account early. I also asked about interest charges that are continually being charged on an account that I closed better than a year ago. Was not given an answer.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: FL
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 Report Act XXXX, Account: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 an account without my written instructions. 
This account is fraudulent account, I do not open account with this creditor.

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 2023-04-22
Company: EQUIFAX, INC.
State: FL
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 Report Act XXXX Account: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 an account without my written instructions.

This account is fraudulent account, I do not open account with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following bank and credit unions thats currently listed on my Chex Systems Consumer Report was previously deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I never applied for any checking account or line of credit from these creditors, but these creditors are currently listed on my Chex Systems Consumer Report. The accounts are fraudulent, unauthorized and not my accounts. I sent a police report to Chex Systems in XX/XX/2019 in regards to these creditors and fraudulent 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 2023-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address and name information were incorrect and mixed with someone else for Experian credit report. There were many addressees provided where I never lived. Also, some of the credit information provided was not mine at all. 

Report inaccurately mentioned about a criminal record searched on XXXX XX/XX/XXXX, from Georgia Bureau of Investigation for period of XX/XX/XXXX to XX/XX/XXXX, completed on XX/XX/XXXX. I am not aware of any record. Attached is the screenshot showing the

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 2020-02-17
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XX/XX/2020, I accessed a website for assistance in setting up a XXXX account, XXXX XXXX XXXX. Phone numbers used in setting up the assistance were XXXX and XXXX. I spoke to a man with an XXXX  XXXX accent. He did help me set up the XXXX account, but in the process he took my American Express credit card number and pin to set up the XXXX billing but also had me buy {$500.00} gift cards at XXXX  and XXXX to use in covering charges that he had erroneously placed on my American Express card. I suspected fraud, but since he did help with the XXXX account, against my better judgment, I gave him the gift card numbers and pins. Within a few hours he had emptied both gift card accounts and charged 6 purchases for {$25.00} each at XXXX  on my American Express Card. American Express will not assist as I was stupid enough to give him access to the gift card and XXXX XXXX Card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: LA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my cashapp card at an ATM one morning trying to take out {$200.00}. My card was declined and the money was still taken from my account. I tried again to take out {$200.00} and it declined me again but STILL took the money from my account. I contacted cashapp, then waited XXXX business days and then contacted cashapp again to dispute the transaction. They responded only one time saying they would file a claim for this transaction and then days later they closed my cashapp account and stopped responding to all of my emails. In their Terms of service it says they will return the money filed in your claim until it is resolved. I emailed them again and a week later they refunded me {$200.00} and said they are unable to help me with the remaining {$200.00} and I have been emailing them everyday since and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: WA
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 VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, BACK WHEN THE ACCOUNT WAS OPENED XXXX  MY MOTHER WAS VERY XXXX, I HAD TO LEAVE XXXX AND BE BY HER SIDE AN DBE WITH MY FAMILY. UNFORTUNATELY WE LOST MY MOTHER AND I HAD TO STAY BEHIND AND BE WITH MY FAMILY. I ENDED UP STAYING IN XXXX MUCH LONGER THEN ANTICIPATED. UPON MY RETURN I REALIZED THAT THIS FRAUDULENT ACCOUNT WAS OPENED UNDER MY NAME. I HAVE REACHED UT TO THE BUREAUS AND TO THE CREDITOR AND NO ONE SEEMS TO CARE ENOUGH TO HELP, BUREAUS ARE TELLING ME THAT THEY ARE ONLY A REPORTING AGENCY I SHOULD CONTACT THE CREDIT CARD COMPANY, I HAVE CALLED NUMEROUS TIMES BUT THERE IS NO RESOLUTION, THEY HAVE NO PROOF TO GIVE ME ON WHAT BASIS THEY OPENED THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) XXXX, XXXX and experian have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I lost my card back in XXXX of 2019 i had with Venture- Capital One. I called the CC company to replace my card and have it sent to a different address, which they said they could do as long as they can verify my identity through various documents. 

After i sent them the documents they requested ( social security card, state license ), i was supposed to wait 1 - 2 weeks after which they were supposed to get back to me. When they contacted me again they told me they couldn't verify my identity and asked to resend documents and a bank statement that had my name and address on it. 

I waited a month and contacted them again and they told me they were busy and was still working on it. I waited a few more weeks and called them again and they asked me to send the same documents, this was in XXXX. 

I havent heard from Venture- capital one ever since- I dont know if they are still working on processing my replacement card or verifying my identity. It's getting very frustrating and time consuming, trying to get this resolved and Im continuing to make payments and paying interest on the card. 

This has gone on for too long and i would like to get this resolved, please help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief