BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, XXXX rented a car for me from XXXX as XXXX did not have a part in stock to repair my car. The rental was returned to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX charged my credit card {$100.00}. stating that it was the unpaid balance. I immediately disputed the charge after a promise of a call back from the branch manager XXXX didn't occur when trying to settle the matter. XXXX submitted and invoice showing XXXX XXXX XXXX paid {$3700.00} and XXXX paid {$170.00}. Capital One ruled in XXXX 's favor. I opened a CFPB complaint and Capital One refunded my account " as a courtesy ''. At the time, I clearly indicated that I did not agree to pay ANYTHING to XXXX  for this rental. On XXXX XXXX, XXXX, XXXX charged my account {$3700.00}. When I asked Capital One how they're allowing XXXX to charge me when they previously sent documentation stating that this amount was to be billed to XXXX, their response was that they could not use the merchant 's statements against them. I forwarded the conversation between XXXX XXXX and XXXX XXXX  between XX/XX/XXXX and XX/XX/XXXX showing that XXXX  acknowledges their error that I do not owe this amount and should never have been charged. XXXX also maintains they are unable to refund my card. However, on XX/XX/XXXX, XXXX refunded my card $ XXXX the amount of the previous dispute. Capital One responded that I have the burden of proof to show that XXXX was paid for the transaction even if I never agreed to pay it. I contacted Transaction Support. The agent agreed that it's clear I should have never been charged and the merchant knew something was wrong, but the person who created the claim classified it as " Paid by other means '' instead of " Merchant billed more than agreed '' and offered to transfer me to a supervisor, which I accepted. I spoke to XXXX and explained. I directed her attention to the documents I submitted which shows I checked " Merchant billed more than agreed '' which was {$0.00}. She conceded that she clearly sees I should have never been billed, but suggested I should demand the money from XXXX since they promised me the rental and that they perhaps gave XXXX  my credit card information, which is not true. I would need to get a proof of payment from XXXX and submit proof they paid their bill. She told me she would not assist me further and pushed to end the conversation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: TX
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 investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$27000.00}, XXXX XXXX XXXX Balance : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Old information reappears or never goes away

Complaint:
I've had collections from XXXX XXXX and XXXX XXXX XXXX that been deleted from my credit report and reinserted without notifying me at all and that is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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'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 2023-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was never late on these account. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2000.00}, XXXX - XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$820.00}, XXXX, XXXX. XXXX Date Open : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$5000.00}, and XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$5000.00}. Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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:
I have disputed have disputed the ownership and accuracy of the XXXX Account listed on my credit report more than once and it has come back as accurate and Verified the account number is the same on each consumer report but the data furnished on each report is different which are violations of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$590.00XXXX XXXX XXXX Balance XXXX {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-01-25
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
In accordance with the Fair Credit Reporting act 15 USC 1681 section 602 gas violated my rights.

Also, USC 1021 section 604 It also states a consumer reporting agency can not furnish an account with ought my written instructions. 
Account XXXX XXXX XXXX XXXX was paid off and is not showing. I have contacted company nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-01-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Payments received by Cardinal Financial and has not applied it to the payments. Still reflecting Im behind over {$7000.00} when the payments were sent. Cardinal Financial has denied receiving the payment since XXXX XX/XX/2022. They asked for the payment check number and still applied the amount. The checks were cashed. check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$880.00} check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$5500.00} check # XXXX to Cardinal Financial Company sent XX/XX/2022 posted XX/XX/2022 for {$880.00} These payments were for XX/XX/XXXX, XX/XX/XXXX and the rear amount. 
Its frustrating when this has been going on for months and all the while the payments were received by a mortgage business. 
They responded to previous complaints as if I was harassing them, when in fact they have not applied the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
As of XX/XX/XXXX the company and credit claimed they done an investigation But that can't be possible when I have no consumer reporting company any WRITTEN INSTRUCTIONS to do so ALL COMPANY AND BUREAS INVOLVED IN THIS MATTER IS IN VIOLATION OF THE LAW!!!!!!! 


XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX  - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request FCBA dispute resolved - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX OH XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-06-25
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX, I discovered the presence of two credit card accounts on my credit report from XXXX XXXX XXXX XXXX and XXXX Card Services XXXX. To my surprise, the account details indicated that these accounts were opened in XXXX and XXXX, respectively. It is important to note that these accounts appeared on my credit report XXXX years after their supposed opening dates, and there was no record of any credit inquiry by XXXX. Despite multiple attempts to dispute this inaccurate information, the credit agencies insisted on verifying it. 

In response, I took proactive measures to protect my credit by placing a security freeze on all three major credit files, including the secondary reporting agency. Fast forward to XXXX when I opened a business checking account with XXXX Bank. To my dismay, I discovered that the two credit card accounts were still listed on my account profile. Understanding the seriousness of this matter, I immediately contacted XXXX 's fraud department to request the removal of these erroneous accounts. They conducted a thorough investigation and successfully removed both accounts from my profile. 

Although all three credit agencies have since removed this inaccurate account from my credit profile, it is disconcerting to note that Innovis continues to claim that they have verified the information, which is clearly not the case. I kindly request that Innovis conduct a comprehensive investigation into this matter and rectify the situation by promptly removing the erroneous account from my credit profile. It is crucial that my credit report accurately reflects my financial history, and the presence of this inaccurate information undermines the integrity of the credit reporting process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/12, I received a paper statement for a new business checking account I opened with US Bank that shows they had assessed a {$6.00} fee on my account. There was no obvious indication what this fee was for as it only said " XXXX XXXX XXXX. '' When I went online, it also had no further descriptions on what it was, forcing me to call US Bank to ask what this fee was for. Around XXXX EST, I talked to a rep on the phone, who told me this fee was for utilizing paper statements. I asked where it's documented that this fee is charged, I was told that it is only documented in the original email that was sent to me when I opened the account and that it is not documented anywhere on U.S. Bank 's website. Not only that, the rep specifically says that it is " common '' for people to miss it. That immediately seemed like a red flag to me that this was a deceptive and dishonest practice. When I went onto the website and tried to set my account to paperless, I received an error, and instead had to again as the representative to do it for me. It is ridiculous and unethical for a bank to not advertise a fee, purposefully minimize documentation of that fee, then make it difficult for a customer to avoid it. Also, if it only exists in the welcome email, and not documented anywhere else, that means a customer will not know about it until AFTER they have opened an account. That's predatory and deceptive. 

In addition to this, even though I opened my account on XX/XX/XXXX, it did not show up until the THIRD statement, which I received today on XX/XX/XXXX, almost three months later. Because of this, the rep said even though I switched to paperless settings, I would likely still be charged again since I've received multiple paper statements. I had already received XXXX paper statements before they even charged the fee to my account. That is beyond predatory behavior. 

I honestly thought we were past these types of tactics in the finance industry, but apparently U.S. Bank still practices it.

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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a local bank of america on XX/XX/XXXX and deposited a check inside at XXXX XXXX for {$30000.00}. I was told they were putting a hold on the check. On the deposit slip they gave me it said {$5300.00} would be available on XX/XX/XXXX by XXXX and {$24000.00} would be available on XX/XX/XXXX by XXXX. I received an email on XX/XX/XXXX at XXXXXXXX XXXX stating they were putting an additional hold on the check and I would not receive any of the funds until XX/XX/XXXX. The reason it stated was " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' I tried calling multiple times over the weekend on XX/XX/XXXX and XX/XX/XXXX and no one could give me any information on it. I scheduled an appointment at the Bank of America branch where I deposited the check on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with branch employee XXXX. She made some calls and still couldn't tell me any information, she eventually was able to see fraud placed a hold on the check but thats all she could tell me and she couldn't help me anymore. I called BOA on XX/XX/XXXX at XXXXXXXX XXXX and spoke with the fraud department. They told me they were going to transfer me to someone that could help me and the call hung up. This call lasted 22 minutes. I called back on XX/XX/XXXX XXXX XXXX and was transferred to the fraud detection department. She could see fraud did place a hold on the check because they needed to verify it. She told me she would put an expedite on the check. I regularly deposit checks of this amount multiple times a year. The check is from XXXX XXXX who I've deposited from multiple times in the past. The check is from my father who has the same last name as me and also has a Bank of America account. I need this check to pay my bills and I'm unable to pay them because of this.

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 2023-06-12
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I trekked reaching out to the companies to get the items removed sent multiple letters and made multiple phone calls

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