BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had this issues since I have opened the account. My issues is I will have a transaction that is pending. The pending amount will be subtracted from my available balance. The transaction will then post and be deducted again from my available balance and reflect as both pending and posted. I will then have to wait an additional XXXX days for the pending transaction to fall off and the money be returned to my account. This has happened several times with the most recent time being XXXX. I had made a purchase on XXXX for XXXX $ from XXXX club and it was pending and reflected in my available balance. Then on XXXX it posted and was taken out again but never dropped off as pending. So now it's been taken from my available balance twice. I spoke to representative at XXXX and they are trying to tell me its the merchant but this has happened with several different merchants and I don't have this problem with my other checking accounts and other banks. So far there has been no resolution and I've just been getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: National Credit Systems,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:
XXXX is still reporting an account as well as the address in my personal information. That account was supposed to stop reporting for all three credit bureaus Per NATIONAL CREDIT SYSTEM. I've taken a substantial hit on my credit from this account constantly being reported as a verified item when this account wasn't mine. Now even after it's revealed that it doesn't belong to me it's still reporting and harming my credit. I've attached the previous CFPB claim that I submitted for this account. Attached I've included the XXXX credit reports. ( XX/XX/XXXX to show the fraud account and address reporting with my score of XXXX, XXXX showing my score of XXXX without the fraud account but with the fraud address, XX/XX/XXXX showing my score of XXXX with a reinserted fraud account reporting on my credit report without the name of NATIONAL CREDIT SYSTEM showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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:
Someone or multiple individual use my drivers license and social to open a savings and checking account at XXXX XXXX XXXX XXXX. The checking was open with {$25.00} and saving {$5.00}. They also got a car loan for {$50000.00} from the credit Union. The way I found out is because I receive a debit card to activate so I went directly to one of their local branch located in XXXX XXXX, Florida : they show me the license and social use which is exactly what I have in my possession, my own identification. The loan was process online and that person XXXX signed the documents. They went to purchase a XXXX  XXXX pickup XXXX : the credit Union has the location and the car information where it was purchased. On the dealer application they use a different address and a phone number but use my driver license number. XXXX XXXX ignore the fraud alert on my credit unlike other bank they had call me during that same time period and I told them I didnt try to apply for anything but Now I have a car loan from XXXX XXXX XXXX XXXX on my credit. 
I have XXXX XXXX XXXX XXXX with a loan and hard inquiries and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I never authorize any credit from none of them and surely did not inquiry a XXXX  car loan. 
police report case XXXX and FTC reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I paid off my XXXX XXXX Credit Card Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked Transunion and XXXX to verify the account and they deemed it accurate. My credit report of Transunion XXXX XXXX are still showing these inaccuracies. According to USC 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. 

Thank you for hearing my complaint and I look forward to hearing from you soon.

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 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, 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:
I was solicited via email from Capital One Bank with a new credit card offer. The offer stated in plain language that this offer would not adversely effect my XXXX XXXX. I applied, and of course was approved, but then noticed that almost in real time, they gave me a derogatory mark on my XXXX XXXX just for applying, and my score dropped by XXXX points! I did not authorize the to make a negative mark on my credit, and they approved me for the card! It was clearly a bait and switch, as their marketing materials claimed that applying would not adversely effect my XXXX XXXX. This is very deceptive marketing practices and terrible customer relations. I feel deceived and did not get any benefit from this negative inquiry, nor did I authorize this behavior from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 at XXXX XXXX, Southwest Credit texted a shared company phone line, XXXX. The line is owned by XXXX XXXX XXXX XXXX and the message was seen by numerous employees of the company. The message read as follows : This message is from Southwest Credit, a debt collector. Call XXXX or visit us online at https : //www.swcconsumer.com Reply STOP to opt-out. 

Clearly they say a debt is owed. The phone number is not owned by me, XXXX XXXX, but is used primarily to contact me for work reasons. But this phone does change hands on job sites for other workers to use and complete parts of their daily tasks. 

As to how Southwest Credit got this number, I have no idea. 

Furthermore, I do not owe a debt to their supposed client, XXXX! Now I am being made fun of at work because of this message. My staff wont trust me. I may lose my job. Southwest Credit needs to rectify the damage it has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The Debit card was issued by Money Network by XXXX XXXX XXXX for money placed in an account by the State of California for Middle Class Tax Refunds. My husband and I activated the card for the account that contained {$700.00}. On XX/XX/22, I used the card to spend {$82.00} at the local grocery store. On XX/XX/22, someone drained all the money from the account ( ie. they hacked the account ). I tried reporting this to the Debit card issuer, but could not get through their phone recordings even after XXXX minutes, and they had no option on the phone for money stolen directly out of an account. They only had an option if your card was stolen- which ours was not. 

In looking online to try to find out what else I could do to report this issue, I found that I am not alone, others in California receiving the Debit Cards for the tax refund have recently had their accounts drained also. There may be many others in California and it may involve hundreds of thousands of dollars of our tax money.

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 2019-08-03
Company: EQUIFAX, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made and online dispute with Equifax about medical collections XXXX XXXX  XXXX the dispute resulted in me calling them because I cant log in to the website to check the status. When I am prompted to answer security questions they do not pertain to my credit history at all like my identity is invalid. ( They do not have an explanation for that were sorry for that just call ) Also my disputes are about medical collection verification due to having insurance during some services and dates being wrong. Plus my report just says medical collection, balance owed. And thats it? No information at all. From 5 years ago but dated very recent. I asked XXXX XXXX XXXX the supervisor how they validated the debt and she literally said we dont have any form of proof to send you via mail I asked, how do you not have proof of something that I dispute? She said again sorry I dont have proof. So, I asked well then if you cant prove it then take it off my report. She said, we cant do that if the agency says its valid. How is this a fair practice? They can just say I owe the debt without submitting valid documents? So basically if you dispute something they just asked the agency if its valid and if they say yes, thats all they need? Im glad that isnt how the justice system works! In my opinion medical debt should be excluded from credit history. Its not a ( loan XXXX or XXXX credit ) at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( account name and number ) have violated my rights.

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 an account without my written instructions.

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 2022-06-01
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is one bank name BB & T returned my deposit of {$650.00} which I received from Social Security disability by Automaticly deposit on this XX/XX/2021. No bank returned there customer deposit to creditor who deposit money in there customer account but this fraud BB & T bank returned my {$650.00} automatically Social Security deposit back in there account and closed my BB & T account. 

This was happened because BB & T refund me there overdraft fees or {$32.00} 3 times back in my account. BB & T bank is really poor bank who can't give back {$32.00} overdraft fees back in there customer account and when they give back this fees in there customer account than they closed there customer account themselves because of this because if BB & T give this fees back in there customer account than BB & T bank goes bankrupt. 

From so many years many banks waives many times {$32.00} fees from my account but never closed my account but this BB & T bank closed my account because of this reason and returned my {$650.00} deposit back to Social Security Administration.

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 2023-09-19
Company: EQUIFAX, INC.
State: TX
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:
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.

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 2022-12-24
Company: Circle Internet Financial
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
" According to XXXX, Circle Internet Financial is responsible for managing XXXX withdrawals that I make from XXXX to my bank. I submitted XXXX XXXX $ withdrawals from my XXXX account on XX/XX/XXXX for {$2000.00} to be sent to my bank account at XXXX XXXX XXXX Bank. My account at XXXX was debited but I never received the funds at my bank. These withdrawal requests were made following the XXXX guidelines, instructions and terms of service 3 days prior to XXXX declaring XXXX  on XX/XX/XXXX. At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. I received confirmation on the website, the app, and via XXXX support directly that the XXXX were being sent. Once again, according to XXXX, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. Specifically, according to XXXX, By submitting, I authorize Circle Internet Financial, on behalf of XXXXto electronically credit my account at the financial institution indicated by me. I have yet to receive my funds. I have also not received any update from either of Circle or XXXX what happened to my XXXX and the status of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CCS Financial Services, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed an account on my credit report. The original account was XXXX XXXX. Now XXXX XXXX XXXX owns it. 

I had car insurance through XXXX XXXX. When my car insurance contract was about to expire, I switched insurance companies and notified XXXX XXXX. They went ahead and charged me for the next XXXX months. I do not owe that money because my contract had ended. I did not owe XXXX XXXX anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Southern Management Systems Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from a debt collector in reference to a debt that did not belong to me. I was also never notified of any past due balance with the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
dates : since i got the car in 2019. 
My payments and validation of debt is incorrect. the contract is not a contract it is a retail installment loan and there was a finance charge and the downpayment was not supposed to be charged as I did not get any cash value for the alleged contract. My car is a lemon, its been in and out of shop. the car was paid off and a couple times and the company is engaging in mail fraud, securities fraud, trust fraud and are over charging me for this car as my social security number provides the payment for the agreement with my signature and my dad 's as he was a co signer. I need a full accounting ledger on and off ledger. I need my car refund, and a replacement car as this is a a faulty good. they charged me for insurance, and the dealer rental cars and this car has caused me harm because it is not reliable. and their is something wrong with this one it has caused me to lose over XXXX in loss of income because the car is a lemon. I asked them to adjust the account, credit ] me back and apply all overages owed to me returned in form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened two XXXX XXXX  XXXX XXXX accounts in XXXX. Both accounts were paid off, in good standing and with credit limits over {$30000.00}. 

In XXXX Capital One took over the XXXX XXXX program. By XX/XX/XXXX the transfer to the Capital One network started - records show that my credit cards were transferred on XX/XX/XXXX, however Capital One lost my accounts. I have not received my new cards and the accounts are not showing on my credit report. I have contacted Capital One on several occasions, but no one has been able to fix my missing accounts, or explain what happened. 

XXXX XXXX  completed the transfer on their end and closed my accounts at the end of XXXX. I have kept my old cards, although I can not use them anymore. 

Due to this error on Capital One 's part I have lost seven years of positive credit history and two of my largest lines of credit. I was told by a representative to just re-apply and get a new account, however that is not acceptable and would not change that they've made an error, plus the detrimental effect to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: WorldRemit Corp.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have been using World Remit regularly since at least 2017 to send funds to my friend in XXXX. I know this XXXX  man personally, and he runs a non-profit that helps vulnerable children, youth, and women. I send funds regularly to help with rent, educational expenses, medical expenses or food. I often send my own funds several times a month or funds on behalf of friends who are not tech savvy. I went to send funds again last Friday, and my account has been disabled. When I inquired with the company, they asked for some basic information including my last transaction number. The only response I got was that my account didn't meet their " approval criteria. '' I went back and looked at their rules and don't see anything I did wrong. They have refused to answer any further inquiries including on their feedback. Not only am I unable to use them to send funds, but my disabled account means I can't go back in and look up my history of transactions. In addition, I was needing to send funds over the weekend for a medical need and was unable to do so due to this arbitrary disabling of my account. This is wrong and dangerous. They have the right to decide I can not send through them, but I would like to understand what has prompted this arbitrary action. I would also like to see my history of transactions. I am currently finding alternative options, but it is disappointing that a company who made money on me for the past several years ( a company that I had recommended to others ) has behaved in this fashion. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I haven't heard anything from these credit reporting agencies its been over 45 days since letters sent out to them. I feel like I am being ignored and been taken advantage!

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