BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wednesday XX/XX/2022 : I received a text from XXXX saying " XXXX CAPITAL ONE Fraud Prevention Team. Did you Attempt A Transaction At XXXX XXXX For The Amount of XXXX $ REPLY YES OR NO, OR STOP To Stop Alerts. '' I replied NO, and received a response stating : " FreeMsg capital one Bank Fraud Prevention Team a representative will be contacting you shortly. '' A person called and was asking detailed personal questions about my account, and I determined this was not Capital One and hung up. 

I called Capital one at XXXX and spoke with 3-5 people over the course of a 67 minute long call. My checking and savings accounts were closed, new ones were opened, and I was told the funds would take a few days to transfer from the old accounts to the new ones. They also sent me a new debit card. 

Tuesday XX/XX/XXXX : I received the debit card and I was able to see the funds in the new accounts online, but I was unable to add the debit card to my XXXX as a payment method, it said there is a problem and to contact my bank. At XXXX I called and spoke with someone at Capital One who stated that there was an extra measure of fraud protection and my account had been held. They stated that I need to make a purchase in person for the card to work. I went to try buying a coffee and the card declined. 

Thursday XX/XX/XXXX : At XXXX I called Capital One to advise them that my card was still not working. They said the new debit card was somehow linked to the old checking account, so they fixed that. They also stated that there was still a fraud hold on my account. They said they removed it, and that my card should work now. I tried adding the card to my phone again and this did not work, and tried making another transaction in person which also did not work. I called back at XXXX and asked to speak with a supervisor who said basically the same thing : there is/was an extra measure of fraud protection on the account.. they removed the hold and the card should work. 

Saturday XX/XX/XXXX : I was unable to link my new checking account to another financial institution to make a mortgage payment. It stated that the account was not authorized for bank to bank transfers. I called Capital One and explained the entire situation again, and after speaking with a supervisor I was told that there is an extra measure of fraud protection on my account and that I may not be able to make any transactions for up to 6 months. 

Tuesday XX/XX/XXXX : I called the branch in XXXX NY to see if someone there could help me. Someone named XXXX said that the branch can't help customers from out of state, or over the phone, and that I need to contact customer service. 

I haven't had access to my money for 12 days as of right now and I need some sort of action taken. I will be contacting local authorities in addition to submitting this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Sunset Management, Inc
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In early XXXX of this year, I reviewed my credit and noticed a delinquent account that does not belong to me. I filed a police report the same day for fraud and impersonation and contacted Sunset Finance of XXXX the next day and spoke with the manager, XXXX who advised me to come in to complete a fraud affidavit. He asked for personal information over the phone which I didnt feel comfortable providing as Ive never done business with this company and was very alarmed as to how they obtained my information to begin with. I went to Sunset Finance and completed the Fraud Affidavit certifying that the account they have on record does not belong to me. The manager showed me a copy of a check which was somehow digitally deposited into a XXXXXXXX XXXX account but was completely blank on the back without any endorsements. The manager told me the matter should be resolved in about 14 days and removed from my credit. Ive waited that time and called the manager again and even went back there to be told it will take about 30 days in total. This is unacceptable, as my credit has been drastically affected, my mail and identity compromised and I want a thorough investigation of these companies, Sunset Finance of XXXX and XXXX so that this doesnt happen to me or anyone else again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I opened a saving account with FifthThird Bank. 

On the same day, I decided to fund that saving account via online transfer from another account of my husband with XXXX XXXX, XXXX XXXX XXXX. To verify that account with XXXX, Fifth Third deposited two small amounts into it and my husband confirmed them successfully on XX/XX/XXXX. 

After the verfication, on XX/XX/XXXX I initiated a transfer of {$10000.00} on 53.com, from the XXXX account to the Fifth Third saving account. 

On XX/XX/XXXX, I received email alerts from Fifth Third Bank saying that transfer of {$10000.00} was suspended, and did not complete. 

However, that money was still drafted from my husband 's XXXX account, and was never returned as of today XX/XX/XXXX. 

On XX/XX/XXXX, I called Fifth Third Bank, and they said the money was rejected by them, so it was never deposited. And they suggested me contact XXXX XXXX. 

Then XXXX XXXX told me that because the transfer was initiated by Fifth Third Bank, they had no infomation about the transaction, and did not know when it would be returned. 

On XX/XX/XXXX, I asked XXXX to request a return for that transfer, as suggested by one email alert sent by Fifth Third before. However, that request was reversed by Fifth Third on XX/XX/XXXX, and Fifth Third charged me {$37.00} overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: MA
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: MO
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:
In accordance with a Fair credit reporting act XXXX  XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A. Section 2 consumer reporting agency can not furnish my 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 2023-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax, I was a victim of identity theft and have 2 unauthorized hard credit inquiries on my credit report - these need to be removed immediately, per law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not done by me, these were not authorized by me. 

Below are the correct forms needed to have these removed, by law, within 96 hours upon receipt. 

If you have verified proof these were performed by me - provide such proof. If not, remove these immediately Attached are : - complaint - drivers license, social security card, address - ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: Avant Holding Company, Inc.
State: AL
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 am a victim of Identity theft- Someone/ Or persons have received appliances from XXXX XXXX- and use my name and identity/social security number without my permission- Credit cards with XXXX, Avant, XXXXXXXX XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX Please remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since 2008 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: MA
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:
This is a new complaint on Experian with regards to how they handled my dispute with a collector and their extremely difficult processing methods of providing information for disputes. 

I had filed a complaint with all three credit reporting agencies and CFPB with regard to an inaccurate credit report on my file. The CFPB complaint number is XXXX. Experian notified me of the final results of the dispute on XX/XX/23 ( XXXX ) without providing any written or electronic documentation. I was only able to know what the result was after speaking with the Experian operator who said that the debt collector has reported that the information is accurate. When I inquired about written documentation for my record the operator said that the information is not recorded and is via communication that can not be forwarded to the consumer. I was told to reopen a new dispute and send upload documents which I did. But Experian 's website upload evidence is extremely difficult and impossible to upload. 

The website has a 1-2 min limit on how fast you can upload information. I had to copy-paste info the subsequent time to apply faster, but then the website refused to upload documents. My files were already in PDF and less than the allowed size. The operator then told me to convert the files to black and white, which I did as well and wasn't that simple to do. Even after all these fixes, Experian refused to upload files. In my last conversation, the operator stated that they do not know the reason and I must send the documents by mail. 

With this experience, my concern with Experian is that they have purposely made the process so difficult for consumers that it is almost impossible to file a dispute with the information requested. Not providing any documentation of the results is also against transparency to their customers and gives protection against inaccurate filings on our 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 2023-12-01
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom This May Concern : I appreciate Dovenmulhe Mortgage fixing my credit. After months of hardship that you all caused. This situation is completely unacceptable and the strain and stress you all have put me through mentally and financially is actually INSANE. From XXXX to XXXX the financial strain yall put me through is absolutely wrong. Nearly 5 months without any form of assistance that I was told would only take 30 days. I literally was spread so thin I had to run up my credit cards to try to find a way to make payments, let go of other bills, and sometimes didnt even know where my next meal was coming from because of the financial strain y'all put me through for a process that was so long ( and was supposed to take only 30 days ) that I HAD TO FOLLOW UP ON. absolutely no one followed up or through with me ( OR TOLD ME THE TRUTH ) which says a lot about yalls company. The stress y'all put me through made me PHYSCIALLY and mentally sick. The mind games y'all play is sick and the fact that I had to go to the CFPB or XXXX to make it right after begging y'all to make it right is unacceptable. Then come XXXX I was looking at other options to use my credit ( CAR and was thinking about moving to an apartment ) and y'all shot my credit SO bad I literally could not use my credit for necessities and things I needed to take a loan out for and y'all severely impeded on that. Making it right on my credit is merely not enough because it should have never been a problem to begin with. Y'all put me through so much from even the start of my application and to the credit issues, and i feel I need to be compensated fairly for the stress and mental/financial suffering that y'all put me through for the months of XXXX through XXXX as again I was following up and begging you guys to make it right and you just didn't ... additionally i am not the only one who has been in this exact situation and you all completely dismissed them until it was escalated here or to the XXXX I am asking y'all to do the right thing and compensate me for the hardship you all put me through OVER the unemployment hardship I was experiencing and the strain on my credit that literally impacted descisions of other creditors. Again some form of compensation will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-07
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'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 non-monetary relief
Consumer complaint received 2021-08-27
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: Public record information inaccurate

Complaint:
On XX/XX/2021 XXXX XXXX reported debt owed by me to creditors. I have asked them to send me copies, stop calling my work place, and remove it as there was no judgment awarded by a Judge. I have court papers to proof that the Judge ruled in my favor and dismissed the false allegations. I would like the calls to stop from XXXX at ( XXXX ) XXXX. I also, have initiated a dispute with my XXXX XXXX account. 

Thanks kindly! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute in regards to the inaccurate items listed on my consumer report. I never gave the Tri-bureaus ( Equifax, XXXX, and XXXX  ) written consent or authorization to procure or produce this information, according to 15 USC 1681 ( b ) 2. Due to the nature of this consumer report it has defamed my character to lenders and created emotional distress because of my denial of housing. Another violation which comes to my attention is 15 USC 1681B ( ii-iii ), stating that if any information has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion no later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into my consumer file that I did not give permission to produce. Please delete the accounts listed below due to several violations of the law. The companies in question for the alleged debt are as follows : XXXX/XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX 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 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