BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This happens with my checking accounts at CAPITAL ONE XXXX weeks ago I received a wire transfer from my business partner in real estate regarding a house flipping {$60000.00} and {$50000.00} Then I made few transfer and cash withdrawals in between my business account and checking account Then I did a wire transfer out to a titled company Next thing I got an email from consumer protection saying I have to give them a call regarding a suspicious activity in my account I ignored the email think it was a spam The next day my account was restricted and the wire transfer I did to the title company was returned Now I have {$100000.00} tied up in my capital one checking accounts Then I got an email saying my account XXXX be closed and I will recieve a check after the review I then decided to call they told me my account has been closed and is under pending review This all happened on XX/XX/XXXX Then they told me to go to my CAPITAL ONE branch in person I did and they supervisor called their customer protection service then they ask for the number of the person that did the transfer I gave it to them they verified the number They also asked me to tell the person that sent the wire transfer to send them proof that she is the XXXX that sent the transfer My business partner told her bank thats Td bank to fax the wire transmission log to my branch and proof it is her that did the wire transfer They faxed all this info last week Now i called today they told me that my account is closed but the review/investigation is still pending for over 11 days now I have no money to take on project to foot my bills It has being pending since XX/XX/XXXX they confirmed today that my account is closed through a call Now send me a closed out check to my address on file they are telling me theres is still an investigation or review So now XXXX reaching out to you guys to help me solve this problem ( I WANT MY BALANCE IN MY CHECKING ACCOUNT SENT TO ME STOP HOLDING MY MONEY PLEASE ) Below in the image my the status of my account before it was closed and the wire transmission log and proof that my business partner sent me the wire transfer and other images

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: Nelnet, 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: Account information incorrect

Complaint:
Nelnet is reporting that I am 180 days past due on a loan that was sent back to the Federal Government on XXXX. Nelnet showed a zero balance on this loan as of XX/XX/2021. I contacted Nelnet in XX/XX/2021 and was informed that the loan had been transfered. So, why are they still reporting that I am XXXX  days past due. Also, the current holder of the loan stated that it is covered under the Cares Act and I would not be reported to any credit agency. XXXX is the only agency reporting this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: International Computer Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent them a dispute letter with tracking on XX/XX/2023. They have ignored the letter and apparently refused to sign for it. 

This is the third dispute letter I've sent about this debt and the third one that's been summarily ignored. They need to desist collection tactics immediately. 

Among those collection tactics, they called the owner of the company I work for, on her work phone, and told her I owed them money. These people really need to be out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: GOLDMAN SACHS BANK USA
State: OR
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:
On XX/XX/2022, I had my phone and the contents of my wallet stolen. The people who stole my phone opened up an Apple Card, serviced by Goldman Sachs, in my name as they also had access to my social security number from an old tax return they found in my email. I informed Goldman Sachs of this upon becoming aware, which was during the week of XX/XX/2022. Goldman Sachs claimed to close the account when I provided them this notice. 

However, Goldman Sachs is claiming I owe them XXXX dollars, which is now showing up as a delinquent account on my credit report. It has caused significant damage to my credit, yet they've done nothing to rectify the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2020, at XXXX XXXX, I attempted to call ReliaCard customer service to speak with a representative regarding fraudulent charges to my account. ReliaCard is the reloadable debit card that Oregon unemployment payments are deposited to, issued by US Bank. Instead of looking at my card for the customer service number on the back, I went to https : //www.usbankreliacard.com/contact-us and clicked the call XXXX XXXX XXXX XXXX link which prompted my phone to call the number. The automated system that answered asked for my 16 digit card number, which I retrieved and entered, then informed me that my phone number I was calling from wasnt associated with my card, which was odd because I receive transaction alerts via text message for the card. Next, the system asked for the last four digits of my social security number which I then entered, then the system said all customer service technicians were busy with other callers, it said goodbye and ended the call on its own. I then looked at the back of my card and compared it to the number I had just called and they were different. I called the number on the card ( XXXX XXXX XXXX and the automated system said most of the same things as the previous one, but didnt have me enter my card number, my social security number, and played waiting music as I held for the next available customer service technician. The technician informed me that the first number I had called was not affiliated with US Bank or ReliaCard. Following that call, I called a local branch of US Bank and spoke to a teller about the issue, and he had no knowledge, awareness, advice, information, resolution, or so much as interest in the situation or my concerns, which he ultimately attempted to minimize before ending the call. I then spoke with local law enforcement who transferred me to the Attorney General, who referred me back to the internet and this complaint form. Following this complaint, I intend to itemize my charges, deposits, and full account history to discuss with the ReliaCard Fraud Department, cancel my current card, and order a new one, as well as use the Credit Bureaus protection features. I was already concerned but now am terribly concerned about my credit, identity, privacy, and financial well-being. I dont understand how a bank, especially such an established bank can be so careless about the privacy and security of its members. I have spent the past 7 hours  attempting to mitigate the consequential events of that phone call. I feel so violated!

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 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
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 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 2022-08-10
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The debt collection agency is Nationwide Credit in XXXX, VA. I am a XXXX XXXX for the XXXX XXXX XXXX XXXX ( XXXX ) system. They sent documentation to XXXX falsely misrepresenting themselves XXXX XXXX of XXXX, VA by placing information on County letterhead. They asked that the entire amount of {$1300.00} be deducted from my paycheck, for delinquent personal property taxes and fees in XXXX XXXX. The payroll supervisor did not honor the request for the entire amount, because my check was much less and he told them he can only take a percentage. He withheld {$200.00} on one check, dated XX/XX/XXXX and {$100.00} on a second check, dated XX/XX/XXXX. He stopped withholding funds after I brought to his attention that a garnishment has to come from the court. 

First of all, I was a resident of XXXX XXXX for 1XXXX years, not XXXX XXXX. Secondly, I do not know how they arrived at {$1300.00}. Their correspondence is on XXXX XXXX letterhead with their phone number. These deductions were quite shocking to me because I need all of my funds to live. On XX/XX/XXXX, I wrote a letter to NCC and had it notarized. The letter has been sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been violated and need monetary relief these bureaus are deny my rights as a consumer. I've been calling and submitting complaints to these bureaus so I hope you can help me resolve my issues. I am a victim of identity theft. The information listed Below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am writing because you have failed to block information from my consumer report In regards to an identity theft report filed with the FTC ( Federal Trade Commission ). This statement from me the ( CONSUMER ) states this request to block is not an error, I also state the information is not information relating to any transaction by the consumer ( ME ). What is your basis of a material misrepresentation of fact by the consumer relevant to the request to block? 

How did you the ( CONSUMER REPORTING AGENCY ) reasonably determines that? 
( A ) the information was blocked in error or a block was requested by the consumer in error ;? 
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or? 
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.? 

I have identifying information on my consumer report that are a result of identity theft. These items are not related to any transactions completed by me. I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. I did not provide written consent or permission. I HAVE THE RIGHT OF PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I got married over XXXX year ago and I changed my name and I've reported to all credit consumers about this with a copy of my social security card and picture id and marriage certificate and my name has not changed and I reported this in XX/XX/2021.

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 2023-01-16
Company: ALASKA USA FEDERAL CREDIT UNION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX  XXXX XXXX XXXX XXXX opened an account in my name and Ex-wife 's name years ago without my knowledge. XXXX XXXX has since removed me from the banking portion of the account since my wife and I have divorced, and I explained no knowledge of this account. However, they will not remove my name from the credit portion of the account. I have never used the account, nor do I have access to this credit. I have made attempts to contact XXXX to make the appropriate changes, as well as all 3 credit bureaus with no luck. My credit is affected by this joint account that I have no ownership of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: NC
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:
I filed a dispute about some inaccurate things on my credit report. It's been over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Data furnisher 's accounts and inquires listed below, have certified to the Consumer Reporting Agency. Information that is misleading, inaccurate, incomplete, unavailable or a result of fraud and or identity theft. Metro2 compliance violations. Delete these accounts now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Areas of these data furnishers reporting effected by this : Original Creditor Name, Creditor Classification, Term Duration, Portfolio Type, ECOA Code, Date of first Delinquency, Date Closed, Special Comments, Actual Monthly Payment, Payment Rating, Charger of Date, Date of last Payment, Payment History, Account Status, Account Type, Credit Limit, Highest Credit, Term Frequency, Segment Identifier, Account Number, Account Identification Number Change, Compliance Code, Consumer Information Indicator, Address, Name, Phone Number, Date of Birth, Social Security Number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: JPMORGAN CHASE & CO.
State: NY
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:
Merchant issues full refund but Chase Bank issues partial refund. This is both a recurring and ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
INCORRECT INFORMATION IS IN MY REPORT. XXXXXXXX XXXX XXXXXX/XX/2021 {$37000.00}.

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 2020-12-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2023-06-27
Company: Convergent Resources, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for dis purpose. 
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 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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:
I hope this message finds you well. I am writing to express my deep concern regarding what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to the accounts listed below : 1. Account # : XXXX 2. Account # : XXXX 3. Reference # : XXXX / XXXX / XXXX Under 15 U.S.C. 1681 Section 602 A of the FCRA, I have the fundamental right to privacy, which has been compromised in this situation. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 of the FCRA clearly stipulates that a consumer reporting agency can not furnish an account without my explicit written instructions.

I have diligently attempted to address this issue by reaching out to credit reporting agencies, including Experian, XXXX, XXXX, and XXXX XXXX. I have submitted multiple letters expressing my concerns, yet regrettably, I have received no meaningful response. Instead, I have been met with a frustrating cycle of vague explanations, such as " The accounts came back Verified '' or " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' To further illustrate my concerns, I have taken the liberty of highlighting discrepancies within my credit report and have attached copies of the letters I have previously sent for your reference. 

I sincerely request your urgent attention to this matter. My rights under the FCRA are of utmost importance to me, and I believe that addressing this issue promptly is essential to ensure the accuracy and integrity of my credit report. 

I kindly request that you investigate this matter thoroughly and provide a detailed response outlining the steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this concern. 

Sincerely,

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 2021-08-25
Company: Southwest Credit Systems, L.P.
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:
This complaint is about Southwest Credit System XXXX XXXX XXXX XXXX.

I have spoke with Southwest to try and solve this issue on my credit report and have had no luck.When I spoke with them I ask them where did they send the collection notice and the told me some crazy address I said that not mine. After arguing with them I said I would just paid this to have it remove from my credit report and then they refuse to do a paid for deletion which is crazy to me that they wouldnt do it. I mean first they have not sent me any notices saying I owe this bill second they didnt even call me to inform me of this. I guess now people can just send you to collections without contact now. I would have paid before it went to on my report but was NEVER inform of this. I was willing to paid for deletion now i feel it should just be deleted because of their negligence and unwilling to do a paid for deletion.

Company response to consumer: Closed with explanation