BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 I made a payment for the total balance amount of my capitol one card. 

XX/XX/2023 i called to make sure the payment would go through, or make an alternative payment method I was told to call back on XX/XX/XXXX to make the payment and my card would not be closed. 
I called back on XX/XX/XXXX to make payment and my card was closed due to it being the second charge back. 

I told the company that the first charge back was due to a fraud attempt. They said there was a chance to open my account back up but there has been no attempt yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I instructed the bank to close my Regular Savings Account and to transfer all the funds from Regular Savings to my Checking Adv Plus account. 
Unfortunately they made a mistake, they transferred funds as instructed, but they closed the wrong account ( Checking XXXX XXXX account ), they closed the account that had all my funds and I was left with no access to my money and no one knows where the money was transferred to. 
I have XXXX Balance in both accounts. 
I was on call with XXXX agencies XXXX after the other for almost XXXX hours and they could not resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls saying I owe {$630.00} but wont tell me what for. And now my credit score has lowered tremendously.

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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THE BANK SAYS THAT I DEPOSITED A CHECK FOR A LARGE AMOUNT HOWEVER THE AMOUNT IS NOT MINE AND I DID NOT AUTHORIZE THE CHECK TO BE CASHED OR ANYTHING. I ASKED FOR THE BANK TO MATCH MY SIGNATURE HOWEVER THEY WOULD NOT MATCH IT AND STILL SHOWS THAT I OWE THAT AMOUNT. 
I DID NOT AUTHORIZE THE AMOUNT OF THE CHECK. PLEASE HAVE THIS REMOVED FROM MY CREDIT TO BE ABLE TO OPEN MY CHECKING ACCOUNT..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Company: Block, Inc.
State: IN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XXXX XXXX around XXXX in the morning I used my cash app card to pay for a XXXX car wash at XXXX XXXX XXXX store # XXXX. It took XXXX dollars from my account and then adjusted it to XXXX. I did not receive any money back. I contacted the store, and they said it's on cashapp to fix it. Cash app says it's on the store to fix it. I was then told to provide cash app with a receipt which could not be done since I paid at the carwash and not in the store. I was told to provide information to cashapp and they would fix it. I provided that information today and now they are saying that it isn't there problem, it's the stores. And I have to wait 3-14 days to get my money. I'm in the process of moving and I need that money. It was EVERY XXXX I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: HOMEOWNERS FINANCIAL GROUP USA
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I am a closing attorney and closed on a VA loan with XXXX XXXX with Homeowners Financial. XXXX repeatedly directed me to share information with a non attorney in fact, non-borrower, and non-purchaser of this loan. XXXX was unprofessional and unethical, claiming that her company approved an unexecuted power of attorney for use. When I refused to comply with XXXX and her teams unethical and possibly fraudulent requests, she and her staff verbally threatened to " pull '' the closing from me and for the borrower to switch title companies. XXXX and her team has me email closing documents for electronic signature to an email address that did not belong to the borrower or the purchaser on the contract. The realtor charged a VA borrower a broker transaction fee and the lender allowed this charge to remain. The borrower received a refund at closing and XXXX directed me to mail the check to an address where the borrower was not located so that his spouse could endorse the check and deposit it. I do not think that XXXX XXXX and her team follows any rules or regulations. We closed on XX/XX/2023 and I am located in Florida. When the check did not arrive in North Carolina, the borrower and purchaser is currently station in California, XXXX and her team accused myself of stealing the borrower 's funds. Yesterday I personally spoke to the borrower and he apologized for XXXX 's behavior as he had no clue that this was happening " on his behalf ''. XXXX and her team works for Homeowners XXXX and her NMLS # is XXXX. I believe that XXXX 's actions during this closing is a pattern of having non attorney in facts sign closing documents and receive loan information that they should not be privy to. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
OK, Capital One Has a Colored Picture of my Drivers License back in XXXX or XXXX of XXXX both sides. Now they wanted my new one it's the same as the other on and has the Very Same Info and same name & address So, I tried over XXXX times to do just that! At my Bank. They claimed it was too blurry most of the time then other reasons, meanwhile, I got their bill of all FEES {$67.00} for the month of XXXX last Month I sent them {$37.00} and I Do Not owe them that payment and I can Prove that and I did so by send them a letter with my XXXX XXXX XXXX XXXX and XXXX Bank Statements for XXXX and it shows I had made payments every Month up until their Auto-Pay with Card ending XXXX Silver Card Stopped Working Due to their ID Presintation Idea And the payments I sent them by Check from my checking Account Shows my Sign as my license is singed the same way as the check! I sent them copies of my valid licence and my EBT card as well and bank statements I had to buy a new phone and cards and sim card the old phone XXXX is Dead! And they XXXX Fix this Thing ASAP! I am Not Paying them those FEES! And I Want my {$37.00} Back I Don't owe it period! And they caused me to Lose my Way to Open my Account with the XXXX I wanted to Retire I Just turned XXXX The XXXX has my old cell # that don't work anymore so the XXXX sends me their Codes to my XXXX and now I Can't get into my own Account Because of this Screwup!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: NJ
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 NUMEROUS 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 : XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXXXXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-12-24
Company: Experian Information Solutions Inc.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2021-07-21
Company: Avadyne Health Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice that a medical debt was owed back in XXXX of XXXX. I reached out to the company to advise I had secondary insurance when I received the notice, as I had done with the hospital, when the bill was sent and was told the claim would be resubmitted each time. the claim was never submitted or resubmitted. So the debt is still being reported. I have reached out to the debt collection agency multiple times starting in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX again in XX/XX/XXXX, asking that the claim be resubmitted, every time I follow up with my insurance company I am informed that the claim has not been submitted. I am now beyond the " timely filing '' deadline, and the debt collection agency is still trying to report the debt as not paid where I could have had the claim paid and paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX and Bureaus and it is still showing

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 2023-05-16
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:
I HAVE NOT APPLIED FOR NEW CREDIT - NEED ALL THESE UNAUTHORIZED INQUIRES DELETED FROM MY CREDIT ALONG WITH ALL COLLECTION ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: AZ
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 would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX my wife and I was in the car going out of town, I logged into the NFCU online Mobile App into our Joint Checking Account using my wife 's mobile phone. I gave my wife her phone back because I was driving to check our balance. So I had my wife to call NFCU because they had some type of alert message that wasn't pertaining me. 

The NFCU Representative did speak to my wife regarding our Joint Account on XX/XX/XXXX and the alert message. So my wife requested to ask to speak to a supervisor. She told the supervisor about the inaccurate alert message under my login access. The supervisor called the certain Department to have that alert message removed. The supervisor assured my wife the message will be removed under my login access. 

On Saturday XX/XX/XXXX I used my wife phone to try to login using the NFCU App to make sure that alert message was removed, I couldn't get into our joint account using my login as usual. I tried to login using my wife second cellphone I still couldn't get into our checking account. I said maybe something was wrong with NFCU online App over the weekend. 
On XX/XX/XXXX I gave my wife permission to login on my behalf into our joint account because I was at work. We notice we still couldn't access our checking account using NFCU online App. The supervisor from XX/XX/XXXX that my wife spoke to secretly suspended my online access without saying anything to me or my wife because I gave my wife permission to access our online Joint checking to check our balance. This was sneaky and discrimination against my wife because in the year 2000 she filed for chapter XXXX bankruptcy on some of her NFCU accounts. I want my online access back because they purposely suspended my online access without notifying me first. You need to do something about NFCU or I will get a LAWYER and sue them for Discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: U.S. BANCORP
State: TN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to use my prepaid card ( which I registered at XXXX ) and the card was locked, I called the company and they told me I need to fax them a photo of my card, along with my ID and SSN, which I refused to do, they do not need that info, I called the number on the back of the card ( 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 monetary relief
Consumer complaint received 2023-12-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchony Bank lowerd all my cards to XXXXXXXX XXXX they said i have to many but i manage them very well lowes card XXXX amazon i think thats discrimination

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 2022-12-24
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I traded in my old car and was told I would not have to pay for 45 days. I received a 120 day past due payment for the trade in of the new car once getting the new car. Also I did not get a good deal as I am not able to refinance and my car payments are nearly {$700.00} on a XXXX XXXX. I need the missed payments removed from my credit report. Also, I need to know why I hav a 120 day missed payment when I traded in the old car. This is affecting my credit score and my ability to trade in and get refinancing. I have tried to reach out to the company by phone but the issue was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They try to contact me after I have written they how contact and requested them to validate this debt to which they have ignored. And there are many complaints about same problem and they do not answer.

Company response to consumer: Closed with explanation