BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
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:
There are 15 accounts on my credit report that are not mine I have not opened or used these accounts do not belong to me!!!!

Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : This is not my account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX  Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX  Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXXReason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX, Transunion report # XXXX, is laced with false entries. 
1. XXXX Card was closed BY ME, the consumer on XXXX.TU put grantor-that is FALSE! CHARGE off happened XX/XX/XXXX. REMOVE THIS ACCOUNT for all the false entires=FRAUD!! .Double entries on XX/XX/XXXX and XX/XX/XXXX for 120 days. From XX/XX/XXXX to XX/XX/XXXX is to be a CHARGE OFF-Closed by consumer!! Correct balance to XXXX!! 
Date closed XX/XX/XXXX by me!! .No maximum delinquency of 120 days-REMOVE false statement. 
2. XXXX XXXX and XXXX XXXX are to show updated information. Today is XX/XX/XXXX. 
3. On regular inquiries -Remove all OLD inquiries. XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. Incorrect information. Not correct date. Remove it. 
4. Remove and block all Promotional inquiries. I never authorize these transactions. 
It says Transunion XXXX XXXX with several dates. Transunion is retaliating everytime I file a dispute and lace my credit report with false entries. REMOVE IT!! Consumer Fraud. 
5. Account Review Inquiries. Remove the following : Transunion XXXX XXXX on XX/XX/XXXX is recorded twice. Look above it- says the same. Remove it. 
6. XXXX, I NEVER authorized them to run my credit report ever!! Remove it at once.

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 2023-10-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 my business savings account was deducted {$810.00} due to an over drawn personal checking account. Then my business checking account was frozen because of personal accounts that were written off. As I stated with the bank that it was illegal to mix personal funds with business funds and to lock me out of my business funds to pay for personal expenses made not sense. XX/XX/23 I contacted the bank again and was told to make payment arrangements on the personal accounts, which I did and then I was told by the bank that they would not unfreeze my account until all the personal accounts were paid off. I make rent payments and employee payroll out of my business account and now can not do anything due to personal account issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I used my Synchrony XXXX XXXX XXXX acct ending in XXXX to put a down payment of {$1500.00} on a condo for rent for the following year. In XX/XX/XXXX I had to cancel that reservation and the company XXXX XXXX had a policy to only credit the bankcard which was used to make the original payment. Id informed them that the account was no longer in service since XXXX XXXX had changed from Synchrony Bank to using XXXX and that a new card/account was created ( XXXX ending XXXX XXXX with XXXX ) XXXX XXXX XXXX insisted that was the way they had to do it and on XX/XX/XXXX made a credit to the XXXX acct ending in XXXX to Synchrony Bank of {$1300.00}. To this day I have not received that money and having called both Synchrony and XXXX on several occasions, I have gotten the run around and claims by your employees that no such account has ever existed. As you can see from the attachments/enclosures there actually was a XXXX XXXXXXXX XXXX account with Synchrony ending in XXXX which was billed on XX/XX/XXXX for the deposit to Midnight Cove. I paid the credit card bill in full ( {$2200.00} ) on XX/XX/XXXX from my personal checking account via an electronic payment ending in XXXX. I am asking that you reimburse me the money that was credited to your bank by XXXX XXXX on XX/XX/XXXX in the amount of {$1300.00} with direct deposit or bank check as soon as possible. It has now been over 60 days since the credit was made by XXXX XXXX bank and I have seen nothing and no one from your institution is willing to help me remedy this. 
You may speak with the XXXX XXXX, XXXX, at XXXX XXXX at XXXX who can attest to the fact that the account ending in XXXX was indeed credited the money in the amount of {$1300.00} on XX/XX/XXXX. You may reach me at ( XXXX ) XXXX to update me on the status of this request. I look forward to your forthcoming reply. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2023-10-05
Company: Chime Financial Inc
State: TX
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 Chime debit card to secure a reservation for a hotel stay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I assumed after checkout, I would be refunded the {$100.00} pending deposit amount within a few days. Instead, I was surprised with a {$530.00} charge which took my checking account into overdrawn status. I did not authorize any charges to be made on the room, and I'm fairly certain that the other guest, XXXX XXXX, was the culprit of the mystery charges on the hotel room. I am certain that the security video footage at the hotel would confirm these findings. 

After finding out about the {$530.00} charge, I disputed it through my debit card provider, Chime. They denied my claim saying that their finding showed no errors made. They're definitely was an air made because I did not authorize any of the charges other than the {$100.00} hold for the room which would be returned to me upon checkout. 

Now, they're saying there is no other steps I can take in order to appeal their decision. I need your help to make this right because now my account is overdrawn and I am stuck in XXXX XXXX. Thank you in advance and please do not hesitate to contact me if you need any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My husband and I noticed that our bills where not being paid also late fees were doubled and there was a shadow account charging our account we had XXXX that was deposited into our account, this was money awarded to my husband from the VA, we tried to square things out with Key Bank but they refused to help us and even called the police on us. Moreover, we are fed up there was XXXX dollars the bank allowed someone to withdraw from our account. In ending, when we tried the go over our account with the bank they simply avoided us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
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: Account status incorrect

Complaint:
I requested a copy of my credit report. 
Experian shows XXXX XXXX credit card as Negative. 
I have a XXXX balance. Paid in full on XX/XX/2022.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
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:
Social security is XXXX On experian credit report theirs is negative item called credit collection XXXX its a fraud account I filed a federal trade commission identity theft report on file please have experian remove the 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 2020-01-31
Company: EQUIFAX, INC.
State: NV
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 have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: MO
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:
This company continues to violate my consumer rights telling they verified and account but never tell me or show proof how.

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 2023-03-10
Company: EQUIFAX, INC.
State: MD
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was behind in mortgage in XXXX because of XXXX I was offer a modification in XXXX. They gave me amount to pay which {$430.00} ( might not be actually amount ) so when I get my paper for my modification 6 months later they made a mistake on the amount I was supposed to pay which was {$510.00} so they told me I didnt have enough to close on my modification. So I continued to pay that amount and they giving me the run around that I was denied because I was short because they gave me the wrong monthly payment amount. So I then applied for homeowner assistance program which I was approved for {$24000.00} that would brought my mortgage current. When XXXX sent my payment my mortgage push my modification thru after me waiting for a year to get approved and I know longer needed. They gave me a modification with no paperwork didnt explain anything and change my loan and sent my payment back to XXXX. I called numerous times and they told me they would have someone call me and nobody knew why the modification went through.

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 2021-03-09
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
APPLE CARD ISSUED BY GOLDMAN SACHS BANK USA IS NOT IN COMPLIANCE BY LAW IN APPROVING AN APPLICATION FOR THE TRUE CARDHOLDER. IVE BEEN TRYING TO GET APPROVED FOR THE APPLE CARD FOR A WHOLE YEAR AND EVERYTIME I APPLY I GET DENIED EMAIL SAYING I WAS DENIED BECAUSE THEY CANT VERIFY MY IDENTITY. 
WHICH IS NOT TRUE DURING THE PROCESS THEY ASK TO UPLOAD MY DRIVER LICENSE WHICH SAY SUBMITTED SUCESSFUL. THAN 10 MINUTES LATER I RECIEVED AN TEXT ON MY PHONE ASKED DID I APPLY FOR THE APPLE CARD I TEXTED BACK YES THAN SAY APPLICATION IS PENDING. 
NEXT DAY I RECIEVED AN UPDATE ON APPLICATION THAT IT WAS DENIED SOLEY THEY CANT VERIFY MY IDENTITY WHEN I ALREADY SUBMITTED VALID DRIVER LICENSE WITH SAME ADDRESS ON DRIVER LICENSE ALSO THEY PULLED A SOFT XXXX  PULL WHICH HAS SAME INFO I HAVE GOOD CREDIT AND THERES NO REASON FOR AN DENIAL WHEN I AM THE TRUE APPLICANT APPLYING. THERES AN ERROR SOMEONE WHERE IN THEIR SYSTEM THAT KEEPS DENYING MY APPLICATION FOR CREDIT WHICH IS UNFAIR I SHOULD HAVE SAME RIGHTS TO APPLY FOR CREDIT AS ANYONE ELSE WHO GET APPROVED. 

ALSO REVIEWING ONLINE REVIEWS FROM PAST CARDHOLDERS OF APPLE SAYS WHEN DOING THEIR APPLICATION ON PHONE THEY GOT AN INSTANT APPROVAL WITHOUT ASKING FOR AN ID AND MOST COMPLAINTS PEOPLE HAVING TROUBLE GETTING APPROVED FOR CREDIT AFTER UPLOADING ID SAYING CANT VERIFY IDENTITY. 

ENCLOSED IN ATTACHMENTS OF DRIVER LICENSE FRONT AND BACK, SOCIAL SECURITY NUMBER FRONT AND BACK, UTILITY BILL IS TO PROVE MY IDENTITY AND ASK THIS APPLICATION BE MANIUAL APPROVED. 

I WILL BE SEEKING AN ATTORNEY TO ASSIST ME IN SUEING APPLE FOR DENYING ME FOR CREDIT FOR AN WHO YEAR WHEN I PROVEN MY IDENTITY IN UPLOADING MY DRIVER LICENSE AS REQUESTED BY APPLE WILL SUE IF THIS COMPLAINT IS NOT RESOLVED IN MY FAVOR BY XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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 placed an order for a XXXXXXXX XXXX through the CapitalOne Shopping app on XX/XX/XXXX at XXXX for {$1700.00} ( before tax ). The CapitalOne Shopping app was advertising 30 % rewards/cash back for XXXX purchases, which would give me {$510.00} cash back. I have screenshots from my XXXX showing I purchased the mattress through the app. The screenshots also reflect the 30 % cash back offer and that the offer was activated. On XX/XX/XXXX it will be 120 days since I made the purchase. I have emailed XXXX XXXX times over the past 4 months with the proof of order and multiple screenshots taken during the shopping and checkout process. 

Attachments reflect that I made the purchase at XXXX. The order confirmation I received from XXXX also confirms purchase time at XXXX. 

The first and only response I received was on XX/XX/XXXX. It confirms they know I made a purchase through the app. I have pasted their first and only response here. They refuse to respond to my emails since then : XXXX ( Capital One Shopping ) XX/XX/2023, XXXX XXXX Thanks for contacting Capital One Shopping! 

I've looked into your request, and it looks like it's been less than 30 days since your purchase was completed. At this time, your rewards are being confirmed and processed with the retailer. Unfortunately, the most I can do is ask that you wait until it's been at least 30-60 days, and then check again to see if your rewards are available. The retailers we work with need time to account for adjustments, returns, cancellations, and exclusions, so once that process is complete, your rewards will post to your account. 

If your rewards are travel-related, those can take up to 90 days to post after travel is completed. 

Thanks for your patience and understanding, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: CITIBANK, N.A.
State: MD
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: Problem with personal statement of dispute

Complaint:
1st dispute was on XXXX for 6x large coats which I never receive & it was going on 2-months i wrote citi bank twice because they ask me to about the dispute & the only thing they had to do was get the merchant to send me the return label because the merchant stop taking my email & phone calls i had cancel after they lied about the delivery..then citi lied to me & said I had to pay 1st on the dispute & I will get my money back so I paid all three dispute $ XXXX, ,etc..the second dispute was on XXXX for XXXX for XXXX & the third one was on XXXX XXXXXXXX XXXX XXXX XXXX  etc. for XXXX, ,Then citi ly took my money & paid these lying people etc..Then I cancel my card & told then I am going to report your for stealing money etc..

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 2021-03-09
Company: EQUIFAX, INC.
State: UT
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:
I have been disputing items with the three major credit bureaus : XXXX, Equifax, & XXXX and they have not provided me with anything. I have been disputing negative items for months now and they have yet to send me a single letter stating they have received my disputes or that anything was done for that matter. I understand that with Covid there has been a slight delay but its been over 8 months now and I still haven't received anything?! If they could do their job they would know that there is a double reporting account on my credit that is seriously affecting me. This is a violation and it must be fixed and you have done nothing to help. These negative items need to be taken care of and removed.

Company response to consumer: Closed with explanation