BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Hello and I have submitted multiple disputes to this case and has not yet resolved the problem I have in my bureau of XXXX 2 months late payments XXXX and XXXX I have never had late payments with the company capital one Account closed always been punctual in my payments I have the account statements that confirm my punctuality with payments to capital one please update my payment history ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX was supposed to send {$300.00} check to my sister, because of some deal they did. Instead of sending {$300.00} check he mailed her {$2000.00} check. He gave some excuse and told my sister to deposit the check and transfer the rest {$1700.00}. My sister did not have an account so I created a capital One money account for her under my primary account and deposited the check. After a couple of days when the check deposited and it was spendable I send him the money through capital one XXXX  money transfer service. Then after couple of days when I checked my bank account online the bank freeze my funds. When I called the bank they said that the check that was deposited got rejected and now it's my responsibility to pay the balance. Which I don't understand because I only send the money because the bank verified the check and it was deposited and they let me spend the money. So I think it should on them not me. So please help! 

the {$2000.00} check was deposited on XX/XX/2020 send {$1700.00} to XXXX XXXX on XX/XX/2020XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: U.S. Collections West, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account from US Collections West IN ( Original Creditor : XXXX XXXX XXXX XXXX DBA ) for the amount {$1200.00} on XX/XX/2020, and XX/XX/2020, with both the bureaus and the collection company and still have not received any letter or responses that I actually owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
State: MD
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 XXXX2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) On XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called XXXX and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 noticed a debt on my credit report That's keep lowering my credit scores when i inquiring or dispute it. And now they move the debt to another company so i can't find out who open this debt that is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was recently denied credit because of the frivolous information thats reporting on my file. I really dont understand why these items are reporting on my file and would like for them to be investigated and removed. They are as follow : 1. ) XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCT # XXXX XXXX. ) SANTANDER - ACCT # XXXX D.O.B. XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Puget Sound Collections XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This company is sending me fake bill without any valid bill ( XX/XX/19 ). It says creditor XXXX XXXX XXXX without any address of the creditor. I do not owe any bill. I believe this is a fake company. I'm not sure how does my personal information is leaked from the hospital which this company is using it for fraudulent purposes.

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 2023-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 accounts and inquiries are not mine they was made without my permission, or consent,. inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX/2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) OXXXX XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called Transunion and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days  with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later,  I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and Transunion continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.

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 2017-09-24
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Kenosian & Miele LLP has been harassing me and my mother for months now. They 're trying to collect on a fraudulent debt that I did n't create. I 've sent letters to this company explaining the situation and sent the necessary proof. They 're still calling me at work and my mother even after she told them to stop calling her. They said I would go to jail if I did n't pay this debt. I refuse to pay a debt that I did n't apply for, sign for, or create. This company should be fined {$1000.00} for each time they harassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase of a mattress ( ~ {$3000.00} ) XX/XX/2022 from Mattress Firm and opened a Synchrony bank to financing the balance. I was misled by the salesman that i can pay off in three years and but this XXXX, they charged me a huge amount of interest ( ~ {$1000.00} ). I receive no notification or phone call before they made the interest charge. 

I called Synchrony bank several times but they said that they can do nothing to do. it seems that all they want is the interest, and once charged, they will return it in no ways.

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 2021-06-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ally has not reduced my 14 percent interest rate I have paid {$6000.00} in finance charges in 11 months of the loan. We are in a pandemic.

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 2019-08-20
Company: SUNTRUST BANKS, INC.
State: TX
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:
OnXX/XX/2018IhadHardinquiresonmycreditthatIdidnotauthorizeandthecompaniescannotshoworprovewhereIgavethempermissiontorunmycreditIhavetalkedwithallcreditbureausandtheyallsaytheycannotandwillnothelpordoanything
Iamattachingalistofcompanysthathitmycreditsomeevenhittwicein1day
IamlookingfortheprovewhereIgavethempermissiontorunmycreditreport

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2022 XXXX hard inquiry this account was opened fraudulently this is not my account please remove

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 2023-01-02
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:
I person used my information to open accounts without my consent. 
Police report was discovered, person was arrested. 
Accounts were fraudulently open.

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 2017-09-24
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This in an extension of my previous complaint XXXX submitted on XX/XX/XXXX about US Bank closed my two savings accounts and checking account onXX/XX/XXXX, I am still going every Friday to the US Bank XXXX XXXX in XXXX and they all know about my previous complaint but none of them have an answer and they do n't know where my too checks could be, last Friday the manager from the branch XXXX XXXX XXXX called some departments on us bank XXXX but no luck, I feel very frustrated because US Bank has in it possession my two savings money today for 28 days. 
I am upset because also for the other complaint about my credit cards closed too ID XXXX submitted last Friday, that this will impact tremendously my credit score. 
I have been Loyal to US bank for my 12 years living in the country, I have given all the information that they needed on time I have proof of that. 
I am as today LOCKED OUT with out not money just living paycheck by paycheck for the last 3 weeks. 
Damages Caused : Emotional, material, lost or will lost my great credit score that I have worked hard to keep it high, My medication for XXXX XXXX XXXX and XXXX were locked up too because not money in my accounts. 
I have n't been able to take my vacations programmed for last week because of no money. 
My friends and coworkers paying my bills with their money. 
I have n't supported my family in XXXX after the devastation for IRMA Hurricane, and now for Puerto Rico too after Maria Hurricane. 
It was ok if you did n't want me as a customer and ok to close my accounts but stole my money is not fair I think and is what I am thinking now about you. 
Really bad customer support. 
I am demanding an immediate response or I will be looking for my lawyer. 

I will attach all the proof I have of an amazing bad job and I have more proof and names if needed. 
I will make this public on the media if I do n't hear from you soon.

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 2023-01-02
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MIDLAND CREDIT MANAGEMENT has never proved this debt belong to me legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: Capital Accounts, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection agency that is attempting to collect a debt from me is not licensed to operate in my state. Thus, I am disputing this collection. I have included the list of all active licenses for collection agencies from my state 's government website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: MD
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:
After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XXXX XXXX ) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XXXX/XXXX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX Credit Department to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ]  The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  Hard Inquiry XXXX XXXX  XXXX & Hard Inquiry XXXX XXXX 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

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 2020-06-02
Company: EQUIFAX, INC.
State: UT
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:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. XXXX  is reporting that I am ( 30 ) days late on this account as well. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and the late being reporting by XXXX  is also harming my credit score. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: U.S. BANCORP
State: WV
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:
My mother opened a credit card in XXXX and put me on the card to help her After my mother death on XX/XX/XXXX, I reported this to star financial credit card company. Star financial took her name off and began sending the bill to me for payment. 
I told this company that I did not make application with this company and please correct this adverse account on my credit report. 
This account has dropped my score by 130 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation