BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital one after many claims still has not sent me my money that belongs to me, they did a closeout check for XXXX cents when my account has XXXX XXXX dollars in the account. I don't see why you guys are saying there fraud when the check is in my name and was deposited to my account. Funds were accepted and then redeposited because the remitting bank wasn't allowed to get back the funds because it was outside capital ones allowable time frame. Now you guys here at Capital One are trying to keep my thousands of dollars and leave me on end with no answers and no info, here are the pictures that show u how much I had and the closeout amount of XXXX as well as my savings which were XXXX cents. I have yet to receive my check for the other amount of XXXX, I'm making a claim today to see if capital one can give me answers and when will I receive my check it's been months and months and nothing has came. Please respond accordingly I need my money capital one can bear a lost like this, but I can't, I need my money sent to me. Thank you again and hope to hear from you soon. My savings account says closeout by check and the checking just says closeout. Where's my check?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023 I called UMB and after filing all the automated prompts I was put on hold by their automated system for XXXX min stating " your service provider will be there in the moment '' after which I was promptly disconnected. 
When I called the customer service ( on call which again lasted XXXX min ) I was told an euphemism of " high call volume '' and I was not taken care of. When I requested to speak with a supervisor with a real authority to address the issue ( the CSR who picked up the phone told me she was one ) the call was again put on hold and then disconnected. 
It is evident that the UMB is not interested in providing any kind of customer service and it also prevents customers from redeeming points. 
In this case I expect the bank to redeem the points for their full value {$210.00} ( XXXX points ) in form of the check and send it to my address. 
And after this function is completed to close the account. 
If the bank fails in this function I will take the matter to small claims court here in IL. 
I simply can not bank with an organization that's so unprofessional and disrespectful to the people that give it business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been struggling to close my account with goldmansachs XXXX account. I have been lied to transfered to departments that state they have not received documents and informed to resend documents even though the document department confirms receiving them. I have multiple tracking numbers confirming they have documents and they are properly filled out. I have been told I will get call backs and have a tracking number sent to me. I'm XXXX and my wife died last year I my home. This is not helping me to heal. I have been lied to and told that they can not send a XXXX and I can print XXXX from online. I did so and was told it was the wrong document. Upon calling back another representative said they can send me a XXXX as they have sent me a XXXX when I first called them. This has been a disgusting back and forth of deception and refusal to close the account. Reps have been rude with no empathy and placing me on hold just to be told something that does not help to close the account. I have spoke to managers or people claiming to be. This is an online only account and the fact that they refuse to properly close the account is aggravating. It has been almost a year since my wife 's passing and still no resolution. This company does not deserve to have an online only banking if this is how the treat customers. I was also told they would expedite send me a check. When I call back they change verification methods to further frustrate me. I have never been treated so horrible in my life. I believe this is mentally and emotionally unacceptable. I'm am still waiting for a resolution and a call from goldmansachs even after calling constantly or giving them a week between interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 the Fair Credit Reporting act XXXX Account # XXXX __________, has 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 that a 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Attached are documents, and the situation. Please proceed with the violation. I have been paying {$100.00} a month and that was not enough for this company and they filed a judgement against me. I had extreme extenuating circumstances. The Domestic violence information is included and the address confidentiality program we have been in for many years, now we have had our address disclosed and we are once again in danger for our very lives. Please see below and contact me with any questions. 
Thank 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 explanation
Consumer complaint received 2023-06-15
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am submitting this complaint against XXXX XXXX XXXX because based on their consumer history report of me I am unable to open an account with other financial institutions at the moment. I am filing a complaint against all of the diminishing details they have of me causing this to happen. I do not recognize any of the discrediting transactions made on my account because my accountwas compromised electronically in the past thus revealing my personalinformation to fraudulent personnel making those transactions possible. Therefore, I am disputing those transactions and all of the defamatory information of me on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: AL
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-18
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from the US treasury. I deposited XX/XX/2023 into a new account at the bank and they have refused to release a hold on the check. Today is now XX/XX/2023. They have not been able to tell me why they won't release the funds. I've made several phone calls and sent email. I am only told it is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made multiple attempts with the Fraudulent Company as well as EXPERIAN to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from EXPERIAN. EXPERIAN IS Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX XXXX EXPERIAN XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX EXPERIAN XXXX HAS NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. XXXX, AND XXXX HAVE HONORED AND REMOVED THE ENTRY FROM MY CONSUMER REPORT. Further, Here is PROOF FROM THE SECRETARY OF THE STATE OF TEXAS. THERE IS NO LIEN OR LOAN IN MY NAME THAT I OWE ANYONE!!!! THIS PROVES THAT OFFICE ATTY GENERAL XXXX IS REPORTING FRAUDULENT, INACCCURATE INFORMATION!!!! I HAVE DISPUTED THIS FACT MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN REFUSES TO REMOVE THIS ACCOUNT. THERE FORE THEY ARE GUILTY OF A COUP WITH THE OFFICE ATTY GENERAL XXXX. I WANT THIS ACCOUNT REMOVED IMMEDIATELY. I WANT {$5000.00} IN DAMAGES FROM EXPERIAN FOR WILLFUL NON COMPLIANCE.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: OK
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 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. 

XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX account XXXX XXXXXXXX has 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 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 2023-02-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX CreditBureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$3300.00}

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Accounts Due to Identity Theft To Whom It May Concern, I am writing to request the removal of charge-off accounts from my credit report that were obtained through identity theft. I have recently discovered fraudulent activity on my credit report, and I believe that the following accounts have been opened without my consent : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date of Account Opening : XX/XX/XXXX - Amount of Debt : {$18000.00} I am a victim of identity theft, and I have taken the necessary steps to report this crime to the authorities and have filed a police report [ if applicable ]. I have also contacted the affected creditors to inform them of the fraudulent accounts and have provided them with the necessary documentation. I have attached copies of the police report and correspondence with the creditors for your reference.

I am requesting your assistance in investigating and removing these fraudulent accounts from my credit report as soon as possible. I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or fraudulent information on my credit report. Given the circumstances, I kindly request that you initiate an investigation into the validity of these accounts and remove them from my credit report.

Enclosed, please find the following documents to support my claim : 1. Copy of my government-issued identification.

2. Copy of the police report.

3. Copies of correspondence with the creditors.

4. Any other relevant documentation that you may require.

Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. I understand that you have 30 days to complete this investigation, as per the FCRA guidelines.

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue, and I appreciate your cooperation in rectifying the negative impact of these fraudulent accounts on my credit history. 

Sincerely, XXXX XXXX XXXX Enclosures : LETTER FROM CREDITOR, ID, SSN, FTC REPORT, POLICE REPORT, & BANK STATEMENT.

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 2023-10-07
Company: EQUIFAX, INC.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CITIBANK, N.A.
State: NJ
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: Problem with personal statement of dispute

Complaint:
The case no # XXXX-XXXX, I was not happy how things were handled with this case. It is amazing how one company can't call another to correct a billing problem.

The customer has to suffer and have headaches and have stomach problems. Best Buys and Citi Bank and XXXX XXXX can make a easy phone call to one another. When the customer has to get up and drive to the store and find some one to help her out and get this in writing on her own and spend money for a fax. I feel this is a tactic to keeping getting money from the customer. Yet, it was solved by me the customer, I doubt if I ever use geek squad or Best Buy again. Citi Bank I feel also play games.

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 2022-11-28
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 filed a police report and disputed this account XXXX  card services Acct # XXXX with XXXX XXXX and Experian. I also filed a fraud dispute with XXXX card services and they are still reporting inaccurate information on my credit report. The above account does not belong to me. I do not deserve this negative account reporting on my credit file from the above agencies.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I reached out to all XXXX credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/, I sent a notice of dispute to XXXX XXXX XXXX regarding an account that was on my consumer report. On XX/XX/, XXXX XXXX XXXX  provided me with information. The information is, incomplete, inaccurate and is harming my credit worthiness. I would like this investigated to ensure completeness and accuracy.

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 2021-03-17
Company: Experian Information Solutions 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:
In response to : XXXX XXXX XXXX, We received the copy of the identity theft report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. 
Please send : all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency To verify your identity, please include the following : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 
To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. Be sure to enclose a copy of the identity theft report that alleges this crime. 
If you do not provide Experian with the required information specified above, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. 

*** I'M ALSO NOW SUBMITTING AN FTC IDENTITY THEFT REPORT XX/XX/21 WITH ALL OTHER DOCUMENTS.

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