BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My fiancee and II were unaware that we could not have his money put into my account. Capital One allowed the deposit but then put a hold on my entire checking account. I have spoken to them numerous times requesting that they reverse the deposit or put aside the funds in my account that are his, and release the hold on my account. They stated that the sending company has to be the ones to reverse it. He has send emails to the agency many times in the last 3 weeks, but because of the lack of staff due to the Virus, we have had no response. All of my paychecks, daughters XXXX payments are being deposited into my checking account but Capital One 360 is not letting me access MY money at all. I am unable to pay my bills. I have no money because it is in my checking and can not access it. They said I could go to a Capital One branch and withdraw funds, but I live in Hawaii and the nearest branch is in California. I do not understand how a bank can legally keep me from my money like this. My fiancee 's money is also in my account and I dont know why the bank wont remove it since they are the ones that allowed the deposit to go through anyway. Why did they even allow the deposit in the first place since it isnt allowed? And now they are freezing my entire account all MY money too? This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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: Was not notified of investigation status or results

Complaint:
I recently disputed inaccurate personal information on my credit report and did not get a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, XXXX XXXX TransUnion. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.

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 2018-06-21
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
REPEATED ROBO CALLS FROM FAM ( FINANCIAL ASSET MANAGEMENT ) FROM THEIR NUMBER XXXX CLAIMING SOME DEBT REGARDING SOCIAL SECURITY YADDA YADDA. PLEASE STOP THESE SCAMMERS AND THIEVES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Credit inquires from : Pic attached

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 2023-03-05
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting XX/XX/2023 ( " XXXXXXXX XXXX XXXX XXXX XXXX  ) United Wholesale Mortgage is trying to overcharge me by performing another deceiving Escrow Analysis. 
With no justification at all, with help from their so called payment processing team, XXXX XXXX ( whic is under the Cease and Desist Order issued by the Office of The Comptroller of the Currency ), they have increased the Escrow Deposit from {$710.00} to {$760.00}. ( please see attached ). Huge difference!!! 
{$710.00} is a contractual established amount, obtained through a previous Escrow Analysis that was performed in regards of the loan modification process. 
Moreover, this amount of {$710.00} can not and should not be increased at all as long as : 1. Cost with Property Mortgage Insurance, Homeowners Insurance and Property Tax didn't vary ( as per our contract ) and 2. because this was already established for a length of 60 months since is a XXXX XXXX backed up loan. 
Every year, every year, every year, this company has performed an Escrow Analysis and has put lots of EFFORT to overcharge my Escrow Account through a deceiving Escrow Analysis. 
Every time I have to address these concerns. 
I get it, they don't like the fact that the shortage can be paid in 60 months and not in 24 ( as they want for a faster cash flow ). But this is a XXXX XXXX XXXX investor 's backed up loan and they have to comply with the Federal Law and XXXX XXXX XXXX  requirements and guidelines and STOP abusing me and my account. 
Stop OVERCHARGING my Escrow Account! Out of the last 4 Escrow Analysis ( for the past years ) you never made a mistake in charging less, you only MADE MISTAKES and tried to charge MORE. Is your computer SET only to CHARGE MORE???? Maybe is time you should adjust that computer system and definitely your DECEIVING PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: IL
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:
A company has failed to update the current status of report I notified all three Credit Bureau of the situation and all have failed to properly investigate the issue. I reported a Company named XXXX XXXX to all three Bureaus about inaccurate information and no steps have been taken to remove the inaccurate information from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: DISCOVER BANK
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I have charges on a discover card that I have disputed a couple times they are holding me responsible because XXXX gives them no response also someone setup a online account I want the information from me accout

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unable to receive a statement by mail, phone, email or sign on to the web. Not sure if payments have been credited, should be two months ahead before but unable to to verify

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 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had my Bank of America accounts since XXXX through all change of names. I had a Mortgage with them, in the XXXX. I would call BOA about catching my mortgage up and they would tell me repeatedly I was up to date, yet they continued to report me as 1 month late. I had many overdrafts. For every one I was charged {$35.00}. As each transaction came in, it was another {$35.00}. I had to change my account numbers because I was scammed. From then on in XXXX I was charged a XXXX XXXX  monthly maintenance fee each month. 
When I had my older accounts I was told I was never charged a maintenance fee because I had a banking with BOA since XXXX. They tried saying it was because I had deposited a large amount in XXXX. I was never charged any fees before the new accounts were open. 
I just had a checking and savings before that and never paid a maintenance fee, even before I had a mortgage with them. 
They explicitly told me it was because of the amount of time with them. 
I have had many overdraft charges over many years. They did refund some if I called but most were not. Once I had XXXXne overdraft they just built up for anything that came through. There were many things that went on with BOA. So many I can't remember.

If you are to look up my accounts, the one checking and savings had I to be closed in XXXX, due to a scam. 
To determine anything you would need my older accounts because I had that one from 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 2023-03-06
Company: CITIBANK, N.A.
State: MI
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:
XXXX and XXXX, and creditors reporting improper information on credit report according to 15 U.S. Code 6802 ( B )

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 2023-09-30
Company: EQUIFAX, INC.
State: CO
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:
Subject : Dispute of Credit Reporting Error XXXX XXXX Account To Whom It May Concern, I Will allow No Longer than 20 days for the Negative Remark to be Removed From My Consumer Report before Pursuing Legal Action. 

I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit reporting error related to my XXXX XXXX account. The account is inaccurately reporting a balance of {$33.00} when, in fact, the account has a recorded balance of {$0.00} out of a {$1000.00} limit. This discrepancy is not only misleading but also fraudulent, and I am prepared to file an FTC report to support this claim if necessary. 

Account Information : Account Holder Name : XXXX XXXX Account Number : [ Account Number ] Balance as Per Account : {$0.00} XXXX XXXX : {$1000.00} The credit reporting error in question pertains to my XXXX XXXX account. Despite the account reflecting a {$0.00} balance and being well below the credit limit, it is inexplicably reporting a balance of {$33.00}. This erroneous reporting has negatively impacted my credit score and financial standing. I have attached supporting documentation, including a screenshot of the account summary, to this dispute for your reference. 

I am deeply concerned about the fraudulent reporting of this account balance, which could potentially harm my creditworthiness. In light of this, I kindly request that the CFPB intervenes to facilitate the following resolution : 1. Immediate Correction of Reporting Error : XXXX XXXX must promptly correct the erroneous reporting of the account balance, ensuring it accurately reflects a {$0.00} balance as indicated in my account records. 

XXXX. Cease Negative Reporting : XXXX XXXX should immediately cease any negative reporting associated with this account. Negative reporting, including delinquency or late payment indicators, should be removed. 

XXXX. Confirmation of Corrected Reporting : XXXX XXXX must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a {$0.00} balance and that any negative reporting has been removed. 

If necessary, I am prepared to file a report with the Federal Trade Commission ( FTC ) to support my claim of fraudulent reporting. However, I hope to resolve this matter amicably and promptly through the CFPB 's intervention. 

I trust that the CFPB will investigate this issue and ensure that XXXX XXXX complies with the applicable regulations and guidelines governing accurate and fair credit reporting. I kindly request that you acknowledge the receipt of this complaint and keep me informed of any actions taken to address this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: TN
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 submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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 2023-06-30
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have chatted online and called multiple times on protecting my name and address from bein used and twisted around and now there are multiple hard inquiries that need to be removed it is effecting my credit score while trying to handle business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: KS
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 no affiliation with the furnishing company nor have they provided any services to me. They've not provided the verification method or valid information linked to my accounts. 
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 U.S.C 1681. Account name : Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without 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, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. 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 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 2023-11-17
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian, XXXX, and XXXX are not complying with their own policies in a timely manner. I mail a letter with the date of XX/XX/2021 outlining all incorrect information and to delete all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus thats has the date of XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding that letter. I see multiple FCRA violations and misleading false reporting from several accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
My dispute is with Capital one credit card. I signed up for a free trial with XXXX and when I went on their website to cancel the subscription I could not because the page was no there. So I called capitalone and they gave me the phone number. I called that number and the number was non working and that number directed me to the website for issues. So after that, I called capitalone to dispute the charge. I called in multiple times and finally got it fixed. Then the next month I received another charge from XXXX. This was not supposed to happen because capitalone should have blocked the merchant. I called capitalone one again several times to complain then I received a notice stating that I will be charged the XXXX for the XXXX purchase that I did not make. I canceled. The I called a few more times and had to wait a half hour or more for a representative. Then they told me that another letter went out saying that I do not have to pay this charge and I have yet to receive this letter. This is ridiculous I should not have been charged again. I had to get a new charge card and block the merchant again. Not to mention that when I did call, the Indians on the other line asked me every verifying question there was. It got to the point where I asked them '' do you want my blood type too. '' I bring this up because I feel this was XXXX. You are only supposed to ask for 2 verifying questions if someone comes in unverified. I feel they did this because I'm XXXX and I guarantee they don't do this to everyone or they would have many more complaints. 
XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX is the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  - XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX  Balance {$250.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX & Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app has inconvenience me on all levels. 
All my purchases are being declined, can't reorder new car, website not working, and they need a representative for calls this just XXXX.

Company response to consumer: Closed with explanation