BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Capital One in early XXXX. I was excited to start using my checking account. Throughout the month of XXXX, I received countless emails from Capital One, offering and encouraging the use of their 'mobile deposit '' feature. I thought this was a great idea, since I do not have a branch near. I also received a email my account would be closed if I did not make a deposit soon. After using the mobile deposit check feature on XX/XX/2023, Capital One saw this as an opportunity to extend me hardship for their own gain. I received a email my account would be " restricted '' due to 'unusual '' activity on my account. There was no " unusual activity '' on my account and the action was AUTHORIZED by me, the OWNER.. I received another email that my deposit would be held until XX/XX/2023. Upon checking Capital One 's funds availability policy it states that no later than the 7th business day, I could expect the full release of my funds. Today is now XX/XX/XXXX, my deposit has cleared with no issues, and my account is still currently restricted. Capital One never called me first to verify account activity from XX/XX/2023 that they claim to be " unusual ''. They also did not do their due diligence to verify my deposit within their allotted time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A deposit was made in the amount of {$40.00} into a business checking account to cover past expenses of a - {$12.00} at XXXX XXXX XX/XX/21. Receipt states that any deposit after XXXX XXXX  the same day will be reflected as available the next business day. Available balance received and shown as current : {$27.00} XX/XX/21. A notification was sent to the account 's Message Center inbox at XXXX XXXX  PST XX/XX/21 stating that an overdraft fee was applied for an overdrawn balance in the amount of - {$12.00}. An email was received from XXXX at XXXX XXXX  PST XX/XX/21 notifying a message was sent to the account 's Message Center inbox. A call was placed to customer service at XXXX XXXX XXXX  PST XX/XX/21 to file discrepancy. Was informed that even though funds were deposited and shown as available the next business day a true reflection does not apply until after close the next business day. When asked if it was possible to remove the overdraft fee the customer service representative stated that only 1 overdraft removal is allotted and had already been used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent written statements to company that Im not responsible for debt.. Im made complaints XXXX still have debt owned on my credit report thats not mine.. Its from XXXX XXXX. I made complains to cfpb but XXXX did not remove any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
On XX/XX/2022 I deposited Check # XXXX into our business checking account ending in XXXX via TRUIST Mobile Deposit on the TRUIST Mobile App on my XXXX. Received a letter via XXXX dated XX/XX/2022 that stated TRUIST had made the decision to close the account. I contacted Fraud Management at the number provided in the letter. The phone rep was not able to give me any information on why the decision was made to close the account. On XX/XX/2022 I called the branch where the account was opened to see what I could find out. They were able to give me the Fraud Management phone number and a CFO # to see if I could get more information. After calling Fraud Management again I asked that the analyst who made the decision to call me directly to discuss reasoning and if there was anything that could be done. On XX/XX/2022 after not hearing back from Fraud Management I went into the bank branch where the account was opened. I turned in requested information and branch representative made copies and emailed documentation showing that CH # XXXX had cleared. As of XX/XX/2022 there was no communication from Fraud Management. I called and filed a formal request again to be contacted. As of today, XX/XX/2022 I have not heard back. Currently the money shows available in the online banking App and Website, but we have no ability to move that money other than closing out the account per TRUIST customer Service and Fraud Management call reps. We have a total of 8 business accounts and this particular Checking and Savings account associated with XXXX, LLC are the only two that currently have holds on them. We would prefer not to close the accounts, but the branch manager and regional manager have said they can not do anything because this was a 'back office ' decision. I would like to understand what was done on our part to trigger the Fraud Department 's decision to close these particular checking and savings account.

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 2022-10-17
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX A scammer scammed me for XXXX XXXX Not sure this payment was sent or to whom this account belongs to. 
$ XXXX XXXX This XXXX XXXX  was unauthorized by me. 
I deposited that money to pay my light bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: NV
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. XXXXXXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX - XXXX has violated my rights, XXXX  XXXX | Original creditor : XXXX IN - XXXX has violated my rights, XXXX XXXX, XXXX  | Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX has violated my rights, XXXX  XXXX  | Original creditor : XXXX XXXX  XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have never given accounts written permission to furnish on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or 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 2023-07-05
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Caliber Home Loans, 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:
have recently checked my credit report and seen some inquiries I did not authorize : XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XX/XX/2022 ( XXXX ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX ) XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ( XXXX ) XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) and ( XXXX XXXX XXXX XXXX XXXXXXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A. Clearly states that 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you in direct violation of several laws under the The Fair Credit Reporting Act. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yesterday on XX/XX/XXXX, I wanted to purchase a XXXX XXXX XXXX from XXXX XXXX and saw a seller that had it, her name was XXXX XXXX, i decided to message her and tell her to send me additional photos and she did but when i asked her to show more she decided to not and call me rude things such as who does this and why do you need proof as I have the item already? However after that she blocked me and refused to give me money after I made the transaction through XXXX. I have already contacted XXXX but they are not cooperating with me. The purchase amount was {$38.00} through friends and family. The seller was eventually a scammer who I knew nothing about until I saw today about a post on her. Please do help, this amount of money is not a joke to me.

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 2019-12-03
Company: Square Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cash App operated by Square Inc. 
Have $ 1000-1500 in digital wallet that they wont provide access to or return to the account holders address on file. 

I just had $ 1000-1500 in account that they couldnt merge and I forgot passcode to the app. Their help desk was able to identify the old account, disable the Cash App debit card # which I have on a merchant receipt ( I lost the card ). But Cash App will not return the funds remaining on account, range of $ XXXX {$1500.00} and will not provide a resolution path to regain access to funds or issue return of funds. They told me via help desk email sorry, feel free to fund a new account, but you cant access the old one. I sent a notarized certified demand letter to return funds to the owner on file on account to Square inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attn : CEO/Legal Officer in XXXX XXXX on XX/XX/2019, and am waiting to see what the reply is. Ill join as a plaintiffs in class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In checking my monthly credit report, I found that an unpaid charge to XXXX wireless had been turned over to collection. I do not have a XXXX account and never did ; there was a notation on the report that my information was turned over to something called " the dark web ''. I called XXXX XXXX and asked to speak to someone in their fraud department. they referred me to the Collection agency handling the claim. This is the information told to me by the collection agency. the account was opened on XX/XX/23 and closed by XXXX on XX/XX/23 ; it was sent to collection by XXXX on XX/XX/23, for the amount of XXXX as the balance due. The collection agency provided me with a street address and an email address, neither of which are mine. If you need it I can provide the XXXX account number and the collection agency account number.

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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX  XXXX XXXX has violated my rights, XXXX XXXX  XXXX XXXX has violated my rights, XXXX XXXX - XXXX has violated my rights, XXXX  XXXX  | Original creditor : XXXX XXXX  - XXXX has violated my rights, XXXX XXXX, XXXX  | Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX has violated my rights, XXXX  XXXX | Original creditor : XXXX XXXX XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have never given accounts written permission to furnish on my 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 non-monetary relief
Consumer complaint received 2019-12-03
Company: EQUIFAX, 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:
All three credit bureaus continue to deny me an investigation into the fraudulent erroneous information contained on my credit reports. they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Commercial Acceptance Company
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:
n 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 : COMMERCIAL ACCEPTANCEXXXX XXXX XXXX XXXX XXXX Account # XXXX, Debt {$890.00} OF XX/XX/2022 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Genesis FS Card Services, 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: Account information incorrect

Complaint:
The credit card company continues to report inconsistent and incorrect payment history every month. I have disputed the account many times and each time its a different outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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