BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.

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 2022-06-15
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In the week of XX/XX/22 I received a money transfer to my cashapp account in the amount of XXXX. On XX/XX/22 I broke my phone and got a new one with a new phone number. When I attempted to log into my cashapp account, the verification process asked me for my debit card number which I provided however was told that I could not be verified so I contacted the support through the chat service. After days of going back and forth and being asked to verify myself with the same questions over and over all of which of my information is true and correct I was ultimately told that I could not be granted access to my old account nor could I be given access to the {$20.00} that was sent to that account. I then asked for that {$20.00} to be refunded to the sender as that money was withdrawn from their account. These requests were also denied and the cash app support told me that they could no longer communicate with me on this issue. It is my opinion that what has transpired here is downright fraud and stealing. Every single one of my other banking accounts with credit cards and financial institutions were able to verify my identity when I made the switch with my phone however cash app has shut down my request and they are refusing to give that money back to either myself or the original Center. This is stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capital One has denied me access to my account. The account was originally opened using my home landline phone number. 
I called customer service and spoke to XXXX ( XXXX XXXX ) and her supervisor XXXX  ( XXXX  XXXX ). Neither was able to complete my information update. The landline associated with the account has been terminated and I needed to update it with my cell phone number. When attempting to complete the authentication process neither of the XXXX  cell phone numbers I gave them were accepted. They would not use any other type of authentication process other than a scanned photo of my government issued I.D . sent across the internet. This is supposed to be for my security, but it actually opens the door to any predators wishing to capture my personal information. 
I need access to this account so I can pay it off and close it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: CA
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, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage / Quicken Loans created two separate loans, one as a purchase and one as a refinance, after I clicked an email specific to rates for refinances. I did not complete the online application process, and was redirected to the online chat. This was due to their computer system moving me into a purchase application from their link about refinance rates. I told the representative during the online chat that I was only interested in getting refinance rates, as I was at an airport and soon to board a flight. I ended the conversation after I was given a rates range. I was stunned when I received notice by mail that both my and my wife 's credit had been pulled. ThI never approved an application and neither did she. These events occurred on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
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:
I AM A VICITIM OF IDENITY THEFT. THIS IS MY OFFICAL STATEMENT ABOUT THE CRIME. I HAVE SENT IN A POLICE REPORT AND AN IKD THEFT IN NUMEROUS ACCUSIONS AND EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE IN CLEAR VIOLATION OF FCRA LAWS. I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACE ON HOLD FOR INORDINTAE AMOUNTS OF TIME. UNDER THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGHTHE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT WITH A WET INK SIGNATURE ON IT, ( COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOT CONSIDERED PROOF ) THAT YOU HAVE ON FILE FOR THE ACCOUNT LISTED ABOVE. UNDER THE FRCA, UNVERIFIED, INVALID ACCOUNTS MUST BE REMOVED. THE BANKRUPTCY I NSISTS ON REPORTING THIS FRAUDULENT ACCOUNT ON MY FILE.

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 2021-06-24
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX i was frauded for a Mercedes benz XXXX over the internet. The car was repossessed because i was denied the option to pay for it, in installments or full payment. I lost my job. On XX/XX/XXXX I paid the full amount of the vehicle to clear my credit. The full amount was {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Signature Bank (NY)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A prior complaint was filed by me in reference to mortgages with Signature Banker secured by two apartments in XXXX XXXX. I advised the bank that they erroneously engaged in a foreclosure action against me. After sending my proofs of payment, the bank finally acknowledged that it made an error and sent me statements which included charges relating to the foreclosure. I should not have to pay such charges if the bank improperly engaged in this action against me. Furthermore, we have attempted to make monthly payments in the past and the bank has rejected them stating that it will only accept a payment that conforms to the fully amount they are claiming is due to them. I am seeking to receive proper statements from each of these loans which portray the amount that is owed so that payment can be made.

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 2023-07-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 {$490.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ; XXXX XXXX XXXX XXXX XXXX {$750.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 61XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.

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 2019-11-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I received a copy of my credit report which showed unauthorized inquiries that I did not authorize. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries shall not be allowed to be placed on my file unless I have approved it. The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit. Thus, the unauthorized inquiries were fraudulently committed. 

Listed fraudulent inquiries : XXXX XXXX XXXX ( Inquired on XX/XX/19 ), XXXX XXXX XXXX ( Inquired on XX/XX/19 ), and XXXX XXXX XXXX  ( Inquired on XX/XX/19 ), Respondent, I also need to bring to your attention that there are several inaccurate variations of my name ( XXXX XXXX, XXXX XXXX XXXX ) in my file, and some outdated information ( several addresses ) on my current credit report. This information ( old addresses, and inaccurate variations of my name ) is more than seven years old and exceeds the statutory time period, under the Fair Credit Reporting Act., and they must be removed. Respondent, once your investigation is complete, please send me an updated/revised copy of my credit report, after these unauthorized inquiries have been deleted. 
Enclosing, I thank you for time promptly addressing this request letter and this matter. 

Sincerely Without Recourse By, 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
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Capitol One allowed a checking and savings account to be opened fraudulently even though I have locked my credit with all three credit unions and put on a fraud alert. No new accounts were to be opened without verifying with me per the fraud alert, but CapitalOne either saw the alert and ignored it or did not bother to check. 

Capital One does not provide a 24/7 hotline, or even an easy to find contact to report such fraudulent activities. There is a general number, but to actually speak with somebody you need to enter an account number, which I don't have, because I don't have an account. 

Capital One should have immediately flagged this account as suspicious : when a new account is created and then the contact phone number and email address are immediately changed that is a major red flag that any reasonable person would have picked up on, but Capitol One completely ignored this activity. 

XXXX : XX/XX/2023 XXXX, am woken up by a text message saying " Thanks for giving Capital One your mobile number ''. 

A few emails are received at the same time : 1 : Welcome, your new 360 Performance Savings account is open. 

2 : Congrats! Your new 360 checking account is open. 

3. Success! Re : your CapitalOne profile changes. One or more phone numbers on your CapitalOne profile have been updated. 

These were quickly followed up with : XXXX 1. We've updated your phone number 2. Your email address was updated With all of their automated systems, nothing about creating an account then immediately changing the phone number and email address raises a single flag?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was always hit with overdraft fees due to insufficient funds

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 2021-07-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was going over my credit report and I noticed Wakefield Associates are on my credit report several times with the same account numbers, same dates and for the same amounts varying between multiple accounts. Some are listed up to 7 times and there is no way possible I have visited a hospital 33 times on the same day. The accounts need to be removed from my credit report. This issue is reporting to all three bureaus incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: LA
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 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 : it also states a consumer reporting agency can not furnish a account without my reading instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: AmeriCollect
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daily calls from company and messages to call about debt collection. I owe nothing. I have no debt. Continued daily calls is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: IL
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:
Credit Bureau is reporting an unverifiable public record on my credit report. I have submitted disputes along with documentation indicating this removal from my XXXX consumer file, yet the Credit Bureau is refusing to remove it. I have repeatedly requested the method of verification have not been provided it.

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 2023-01-22
Company: Experian Information Solutions 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 have an account on my credit report that does not belong to me. this account is identity theft. the account was opened on XX/XX/2022 for the amount of {$2300.00}.

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 non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is mistakenly reporting me late in 2021. I made my payments satisfactory this year and I kindly ask the bureaus or CFPB or XXXX to remove this late payment in good faith. I have attached a copy of my bank statements showing payment made to XXXX and proof of my title.

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 2019-11-24
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid most of my debt but not removed after I despite and it show as bad

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 2021-03-31
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
So last year XX/XX/2020 Is rep called harassing my XXXX old daughter who answered my phone while I was busy. A few days later they called back I answered and the rep was accusing me of false information said I needed to pay then, was laughing and saying she would keep calling. Got a call XXXX XXXX with a rep telling me to borrow money and its a shame I havent paid them off in 2 years

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries on my credit report are fraudulent and should be taken off of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was advised months back that once I pay 6 consistent payments on time that my account would become unrestricted. I have made 8 on time payments and the account is still restricted. Upon calling in today I was advised that the account is currently open however it still restricted and they leave it to the customer to close the case. Which is inaccurate because Capital One unrestricted my business account as well as my sons card. I was also advised that I was unable to use my rewards points because of the account restriction. The representative was rude and unwilling to get to the problem of concerns. This is unacceptable and so was the representative attitude.

Company response to consumer: Closed with explanation