BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my consumer report i recognized some inaccuracies on my credit report that have hindered my ability to extend credit. According to Congress of the United States pursuant to title 15 USC 1781 an inaccurate and unfair credit report directly impairs the efficiency of the banking system undermines the public confidence which is essential to the continued function of the banking system. I require the 2 fraudulent collection accounts on my consumer report by XXXX XXXX XXXX opened XXXX XXXXbe deleted and removed immediately and its fraudulent and innacurate nature is very damaging to my reputation, My Consumer rights have been violated and this unfair reporting has hindered me from enjoying the pursuit of happiness as gauranteed by the constitution in accordance with FCRA 650 title 14 USC 1681c-2 Block a consumer reporting agency shall block the reportingof info on a consumerr file that identifies as resulting from identity theft. I require this account be removed immediately

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 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX. The is the same Consumer Financial Protection Bureau complaint XXXX CFPB Complaint ID : XXXX against Capital One Bank regarding my Spark Business Basic Checking Account ending XXXX. 
XXXX. Capital One Bank suddenly closed this account in XX/XX/XXXX without my authorization and without informing me of the reason for the closure. 
XXXX. Capital One Bank claimed that the final closeout check # XXXX for {$970.00} was issued to me and that Capital One Bank records indicate that I XXXX. XXXX XXXX XXXX cashed the check on XX/XX/XXXX. 
XXXX. I never received any check from Capital One Bank and the claim that I received the check and cashed it was a lie and a XXXX XXXX 
XXXX. I challenged Capital One Bank on that claim and pointed out to Capital One Bank that the signature on the cashed check was NOT mine. 
XXXX. Capital One Bank then asked me to sign an AFFIDAVIT AND AGREEMENT OF FORGED ENDORSEMENT ( attached ). 
XXXX. I have done so via email ( XXXX ) on XX/XX/XXXX, XXXX, but the next response from Capital One Bank has been complete silence! 
XXXX. I sent Capital One Bank a XXXX follow-up email on XX/XX/XXXX, XXXX, and again, the response was a complete silence. 
XXXX. I sent Capital One Bank a XXXX follow-up email on XX/XX/XXXX, XXXX, and again, the response has been complete silence. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello!, i wanted to see about coming to a resolution with my finance company Ally Financial in regard to my XXXX XXXX XXXX. I was reported late 30 days with them XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus. While I will not deny that I was late those two times the reason for me being late was due to acquiring XXXX XXXX both times. My wife, myself both caught XXXX  which took us both out of work for an extended period of time. In fact, my wife still is experiencing XXXX complications until this very day. 
With us being out of work some bills did get behind. I called and asked for grace in regard to the situation and was refused any. In XXXX I made my payment online on a XXXX  and was told by a representative that it would be fine then next thing you know I was marked as being late. In XXXX I spoke to numerous people and conveyed the XXXX situation and still nothing was fixed. My loan as of today is paid off in FULL all that am looking for is can Ally Financial please take the late payments off of my credit report. They have their money and I would please like to have my credit report in good standing so i can be able to move on with my life. Prior to XXXX the only time I was late was when i had no job and that was in XXXX. I just would like my credit restored please.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I dont remeber dates but someone had a way to get into my checking and deposit fake checks at atm while i had my debit card in my possession wells fargo took all my money in my account and shut my account after i filed a report they said i was a liability which is ridiculous XXXX has been closed for 4 years and still teying to gwt my money bCk

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NJ
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:
Hello accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: IN
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:
My report should not have a certain account on each report. Ive paid all that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: AZ
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:
just got a copy of my credit report and i noticed the referenced accounts below that i did not apply for and did not use them. i need these accounts investigated and removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The money in my account was frozen. I could not access my money. 
IRS accessed my account and I was given a XXXX XXXX to call. IRS said that Wells Fargo had froze my money so that the IRS can take it. This was around. XXXX 2021.

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 2022-03-22
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I first filed a complaint because every time I call Im on hold for hours PLUS I filed a disputes for charges that were not mine and my claim was denied. Truist retaliated against me for filing a complaint that they THEN blocked my debit card and said Ill never be able to have another debit card with them. I can use my three accounts with them but never a debit card. They didnt block it until my complaint got submitted. I have been with them for years and never had any problems. After I submitted my complaint I get a email from Truist saying if you have any questions call this person and here is their number. Ive called that person many times a day for a few days and no one ever picks up or calls me back. I even emailed XXXX who sent me the email with her number and I havent received a email back either. I think I this is unfair to make people wait hours on hold and when they have charges on their account that is not theirs to not give them credit and then when the consumer gets upset about this you block their debit card. Also I am showing a screenshot of my typical day calling for last 2 weeks. On hold for four hours. I gave up after that.

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 2018-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I am a single mother of XXXX young sons currently receiving unemployment because I was let go from my position due to not reaching my XXXX goal. Based on my credentials, I have received four employment offers in the past month alone however two of these offers have been rescinded upon review of my credit report which reflects three charge-offs totaling approximately {$25000.00} which just occurred in XX/XX/2017. 


I have been in communication with the credit card companies as well as the credit reporting agencies to come to an agreement to pay this off as well as to remove the charge off from my credit report so that I am able to attain employment. To date, they are unwilling to work with me on this. This is a true Catch 22, I have to pay the debt but how would I pay this debt if I can not obtain meaningful employment. 

These charge offs occurred when my then husband lost his job and we were unable to pay these bills. We are currently separated, and at some point will go through the divorce process which again due to unemployment I am unable to move further. 

Attached you will find my resume which should speak for itself with XXXX, XXXX XXXX, XXXX XXXX and a couple others spanning over twenty years of a successful, professional career without ever experiencing a job loss. 
I am a well educated professional woman with many years of experience yet my job offers are rescinded due to this debt. What law allows a credit card company to tarnish potential jobs, as well as a company who can rescind an offer to a more than qualified candidate who has passed all clearances including FINRA. I desperately ask for your assistance with this situation, anything you can do to help this single mother of XXXX young sons. 

PLEASE PLEASE PLEASE help me! 


Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX To whom it may concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Experian today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX date - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX NXXXX XXXX XXXX Inquiry date XX/XX/XXXX SXXXX XXXX  XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : 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 2023-11-27
Company: Experian Information Solutions Inc.
State: NY
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-08-17
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been depositing checks with BB & T and every time I do so, the XXXX, Kentucky branch of BB & T puts an extended hold on my check deposits. The branch located in XXXX, Kentucky at XXXX XXXX XXXX, XXXX, KY XXXX, continues to put extended holds on each of my check deposits in violation of the Expedited Funds Availability Act. I deposited a {$700.00} check on XX/XX/XXXX using the ATM at the branch in XXXX, Kentucky, and made another deposit on XX/XX/XXXX for two checks {$700.00} and {$1300.00}. The {$700.00} deposit that I made on XX/XX/XXXX, the branch did not release those funds until XX/XX/XXXX. The BB & T branch put an excessive hold on the XX/XX/XXXX deposit for {$700.00} for no reason other than because it was for more than " {$500.00} '' dollars. 

I spoke with a person named XXXX from the BB & T branch in XXXX, Kentucky on XX/XX/XXXX, who couldn't explain why they were putting excessive check deposit holds on my account. She called me on XX/XX/XXXX and said that on XX/XX/XXXX, they were releasing {$100.00} from the check deposits of {$700.00} and {$1300.00} that were made on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and the remainder XX/XX/XXXX. She then said that they were placing the excessive holds to make sure that the checks would clear, when there was no reason to assume they wouldn't. One of the checks was from XXXX XXXX. The BB & T branch in XXXX, Kentucky is violating the Expedited Funds Availability Act by placing excessive check deposit holds on my account. The BB & T branch is engaging in unfair business practices with their excessive holds on my check deposits. When asked they can't explain why they are placing excessive holds. The XXXX, Kentucky BB & T branch employees gave me the runaround as to why they are placing excessive holds on my check deposits. First they said it was because the deposits were for more than {$500.00}, then they said that it was because the account was less than a year old, neither of those are reasons under the Expedited Funds Availability Act to place excessive holds on my check deposits.

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 2023-04-25
Company: EQUIFAX, 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:
This is my 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 items : XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Several months ago, Bank of America changed their processing of AutoPay billing. I have been a client of BoA for over 20 years and for at least 10 have used the AutoPay feature to pay my BoA credit card with my linked BoA checking account. Within these last 6 months I have noticed that my AutoPay did not function as it did in the past and missed payments. I contacted customer service and they advised me to update my AutoPay which I believed I had done. It turns out that after 20+ years of paying my bill on time, in full, with no overage charges that I continued to miss statement payments and was incurring interest fees on the rolling balance. After a conversation with a BoA representative it appears I was enrolled in AutoPay and paying my " Amount Due '' which was a {$25.00} minimum payment, not my statement amount due balance. There is another, new, option called " Account Balance '' which pays the entire account balance NOT the balance due on my most recent statement. There is no readily available description of these differences to the consumer during the selection process. 

I feel this is a deliberate attempt by Bank of America to intentionally confuse and mislead consumers to not pay their bill and therefore profit from the incurred fees, in addition to harming the consumers credit. 

I previously mentioned - I had DECADES of successful on-time and in-full payments and now I do not because of changes Bank of America made.

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