BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my Capital One credit card since XX/XX/XXXX - it was the first credit card I opened and thus has my longest credit history ( 18+ years ). I received an email from Capital One on XX/XX/XXXX that they closed my account on XX/XX/XXXX due to inactivity. I received no advanced notification that they would be closing it on the XX/XX/XXXX. I received other email communications from them during this time ( offers and my monthly credit card statement notification showing a {$0.00} balance ) but nothing mentioning a XX/XX/XXXX account closing date - had I been notified of this 3 year rule or of the upcoming XX/XX/XXXX closure, I would have used the card to avoid it from happening. I talked to Capital One today and they told me that they can not reopen my account and I have to apply for a new card, thus erasing 18 years of good credit history. They stated that this is their business practice and it just feels wrong. I should have been warned that this closure was coming ( & thus be given an opportunity to take action to avoid it ). Further, to be notified six days AFTER the closure has occurred does not feel like an appropriate way to conduct business, especially when it impacts someone's credit history so drastically. How can Capital One send me emails about special offers and and my monthly statement but fail to mention in any of these communications that you are about to close the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE APARTMENT KEPT FLOODING & WAS NOT LIVEABLE. AFTER 3 FLOODS, & DAMAGED FURNITURE, I MOVED. THE APT SHOULD PAY FOR MY FURNITURE. THEY DIDN'T ABIDE BY THE CONTRACT. I DON'T OWE MONEY FOR MOVING. IT WAS AN UNSAFE ENVIRONMENT. I HAVE SUPPORTING DOCUMENTATION IN PICTURES. IF THERE WERE A PLACE TO ATTACH THEM, I WOULD. PLEASE, CONTACT ME AT YOUR EARLIEST CONVENIENCE, IN ORDER TO REMOVE THE ACCOUNT, FROM MY CREDIT REPORTS. 

THANK YOU FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Synovus Bank
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX I paid this card in full, as I had done in the past, and did not use this card. On XX/XX/XXXX I attempted to use the card and it was declined. This happened at more than one merchant and it was declined. I called the customer service number on the back of the card on XX/XX/XXXX and it said there was no payment due and the credit limit was {$1000.00} with {$1000.00} being available. On Sunday XX/XX/XXXX at XXXX I missed a phone call voicemail was left and when I listened to message it was XXXX with XXXX XXXX   XXXX department needing to verify some recent activity on my card that ends with XXXX and gave number to call them back. At XXXX on the XXXX I called back and they stated they could see activity on my account and that there was a security hold on the account. She asked me a few questions and then said the security hold has been removed and you can use this card now. I try to use this card on XX/XX/XXXX and it was declined again. I called the number XXXX that had called me on the XXXX and I was transferred to customer service who then told me that my card had been closed in XXXX after review of the account. I realize they can close a card at any time. However, I had been a customer for over 12 years, never late and had paid it off before. I was told the account was closed after review. I said I didn't receive notification that this had happened and it was telling me on Saturday I had {$1000.00} available to use and your own employees told me that I could use it. They said the security department is a different area than customer service. I was told that letters don't go out and I said it would be a common courtesy to a customer that has been your customer for numerous years. I could have taken this card on vacation, not knowing it had been closed. That is poor business practice, besides the fact I have 12+ years of payment history on my credit report from XXXX. They should have, at minimum called me, or mailed me a letter and their security department should've told me on the XXXX that the card was closed. The automated system didn't tell me anything about account being closed when I called to verify amount available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2021-03-26
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-19
Company: Berman & Rabin, P.A.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
All XXXX XXXX XXXX XXXX has turned my account over to a collection agency. However, even after doing so, they continuously call me, and they continue to send me bills that have increased 10 times over compared to what the collection agency states is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I need help with an electronic bank transfer. I have a tracing number and an electronic withdrawal reference number and an online XXXX  number. 
My bank shows that the transaction was processed, but the intended recipient says they never received the payment. I have contacted US Bank multiple times and they say because its over 90 days old they cant get any more information than they have provided me. 
The money was supposed to go to Eagle XXXX  for the dues that are assessed every year on the time share. Eagle XXXX  is located in XXXX Oregon and they say they never received the money. 
Is there anything I can do about this? Is there anyone that can help me determine where the money actually went?

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 2022-12-19
Company: Experian Information Solutions Inc.
State: NY
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:
There is a collection on my credit report called XXXX XXXX that bought a debt from XXXX the debt is {$550.00} that does not belong to me contact the collection agency as well as Experian to get the debt verify requesting a signed contract and ID they never received that contract nor ID, I have request this to be removed for over a year now and it's still there and it's not mine

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 2016-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a XXXX XXXX account that was readied to my credit report, that is both sevens years old and not mines. I have disputed and sent in correct paperwork to have re-deleted from report. Also received letter from discovery card that they will look into issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Non-sufficient funds and associated fees

Complaint:
I opened a checking and saving bank accounts with Welles Fargo Bank for my business and a Nonprofit organization, at the time of opening my accounts with Welles Fargo Bank they told me there is no monthly fee no minimum as long as I have automatic transfer of {$25.00}. or {$10.00} each months. after a period of times they changed the role without sending me any notice, I am on paperless I do not get any alert or notice from Welles Fargo Bank, they know that so alL of a sudden they start charging me {$10.00} fees, without telling me, when i checked my accounts on line i find out shortage in my accounts and they abused me charging me a fees, after i complaint they told me if i deposit money to bring my balance over {$500.00} they will not charge a fees any more so i did deposit more money to my accounts, i had over {$20000.00} with them on multiple accounts, then they start charging me a fee again this months, i complaint they told me they can not reverse the fee even i had meet the requirments minimum balance. Welles Fargo Bank is abusing consumers many different ways hoping we do not find out since we are on paperless and saving mailing postage and paper cost for the bank they abused us.

they need to notify consumer by registerd mail before starting any charges. or they get a class action law suite for abusing consumers.

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 2021-01-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX  fraudulently opened a debit/checking account. We reported it to the FTC, filed a police report, and the account was closed. We tried to contact Chex Systems but their system was always not available. We were finally able to contact Chex Systems in XXXX of XXXX, and filed a report with them. In reviewing our personal information with Chex Systems, we discovered that in XXXX of XXXX, XXXX XXXX fraudulently changed the home phone number in our personal information in Chex Systems with the intent of fraud. But when we tried to change our personal phone number back to our correct phone number, Chex Systems would not allow us. Chex Systems said that XXXX XXXX could only change the phone number because they put it on there. 
My question is, XXXX could XXXX XXXX fraudulently change our personal information in Chex Systems without our consent and without us being contacted? And why can we not change our personal information in Chex Systems to our correct phone number when we have reported the incident to the FTC?

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 2023-06-29
Company: EQUIFAX, INC.
State: NY
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 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: DC
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for the apple card on XX/XX/2022 using a referral link my friend sent me for {$75.00} daily cash after making your first purchase. On XX/XX/2022 I made my first purchase on the card. On XX/XX/2022 I got the daily cash for the purchase, but I did not get the {$75.00} daily cash that was promised through the link. I contacted Goldman Sachs, and the representative informed me that the refer a friend promotion expired on XX/XX/2022, however there is no mention of this through the link which is still active on XXXX 's website, and I was not aware of the expiration of the promotion. The link is apple.co/refer. It is still active without any mention of an expiration date or any indication that it is no longer valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2018-04-06
Company: CITIBANK, N.A.
State: MO
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:
I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023, 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 611 ( 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 Data 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 2023-10-29
Company: Capio Partners, LLC
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 following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to BBB and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with non-monetary relief