BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking and savings account was closed by CapitalOne 360. The relationship has ended and I had been calling to find out why and where my funds were. I place a recent report with CFPB and I received action only after I made the report. Funds from my saving account were returned to me by check, however, the funds in my checking account are still in the account. My fiance used my account to receive funds not realizing that that was not permitted. I have be requesting that the funds be returned to the remitter, since I am not allowed access and it has not been done yet. In fact, Capital One 360 has been removing small amounts of the money from the account. The amount was {$500.00} today it is {$380.00}. I received a letter dated XX/XX/2018, stating the money would be returned but as of today XX/XX/2018, they have not. I have left several messages for the person named on the letter, to no avail. Could someone please instruct Capital One 360 to return this money to the depositor as they stated they would? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: IL
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:
Equifax refuses to remove credit inquiries that are fraudulent and I faxed and uploaded to the copies of my police report and identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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 was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX. XXXX  : XXXX 2. XXXX ( XXXX : XXXX. Experian : XXXX, XXXX  : XXXX 3. XXXX XXXX ( XXXX  : XXXX Experian : 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 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX. Transunion : XXXX 2.  XXXX ( XXXX : XXXX. XXXX  : XXXX, Transunion : XXXX 3. XXXX XXXX ( XXXX  : XXXX XXXX  : XXXX Transunion : 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 2020-09-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
filed dispute asking for verification of debt but as yet to received any documents except for stating that account as been verified. 
XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: FIRSTBANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/17 I received a hard inquiry on my personal credit score from First Bank in Colorado. It might have been from me simple asking if I am eligible for a credit increase but my phone disconnected shortly after so I decided to forget about it. My only credit card with first bank has always been {$500.00} from the beginning since I wasn't able to proceed to ask for credit increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 complaint is against XXXX, TRANS UNION and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX. 
This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX. 
In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in 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 2018-07-26
Company: The Law Offices of Gerald E Moore & Associates, PC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a document from the Law Office of XXXX XXXX XXXX, XXXX. ( Debt Collector ) ( XXXX XXXX XXXX XXXX, Georgia XXXX ) notifying I owed had a balance of {$2300.00} from previous apartment complex I lived in The XXXX XXXX. I have tried to contacting the the company un multiple occasions and have not been able to talk to anyone. I did have a lease at this apt complex which ended in XX/XX/2016. At the time I gave my 30 day notice turned in my keys and processed all the paper work necessary with them as you do when you move out. I did not not have a reminder balance, owed any rent money or bills to apartment complex. I was also never notified or was reached by apartment complex after moving that there was something I owe. After receiving this letter from the tax collector I Contacted the apt complex office and they said they had nothing on file saying I owed any type type of money to them. They mention they did have a change in administration and staff so they couldn't really help me out. At this point I dont know what to do, I do not owe this amount of money, Im not sure if this is some type of fraud or what actions I should take, I also would not want this affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As an American who has used credit in the past, I was more than likely part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, 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 status incorrect

Complaint:
Reference Credit Report # XXXX Equifax has continued to erroneously report the following items on my most recent credit report. Some of the items mentioned have been previously disputed and unmodified at all by Equifax. 

1- XXXX XXXX XXXX - XXXX ( balance showing on report XXXX ) - this account has been paid off with XXXX balance as of XX/XX/XXXX, yet 5 month later Equifax is the ONLY agency that continues to report that I have a balance with this company. XXXX XXXX XXXX has verified with Equifax and myself that there is no balance due on this account as of many months ago, but Equifax will not update the files 2- XXXX XXXX XXXX XXXX ( as of XX/XX/XXXX shows balance of XXXX ) - This account was papid and closed by consumer in XX/XX/XXXX.  However, Equifax will not update the file to show such XXXX balance. XXXX is reporting a XXXX  balance and account closed by consumer on all other credit agencies, but Equifax has not update data. This account should reflect a XXXX balance 3 - Inquiry - XXXX - Unauthorized inquiry that should be deleted 4 - Inquiry - XXXX - XX/XX/XXXX - Unauthorized Inquiry that should be deleted ***These inquiries were not made by me and neither was i notified of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has charged me with an overdraft fee on multiple occasions where there was funds in my account at the time of the charge. Instead of declining the charge would go through and then I would later receive an overdraft fee for having a negative balance. This has happened on more than one occasion. It happens especially often with XXXX services

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 2022-12-20
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: Account status incorrect

Complaint:
I filed bankruptcy and all debt was discharged and accounts should have been closed and removed from credit report. Items still show on credit report as open and delinquent. The account was actually closed XXXX of 2019 per XXXX XXXX and both XXXX and Trans Union still have them listed on my credit report. I called XXXX XXXX XXXX XXXX to confirm account was closed and also tried to file a dispute with the credit bureau and nothing has been done.

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 2019-07-31
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) reporting a debt owed of {$27.00} is a result of identity theft and has been reported to the FTC and is currently under fraud investigation as I am a victim of Identity theft. This account was has been active and reporting since XX/XX/2016 per my monitoring service. This account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Kriya Capital, LLC
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:
i sent a letter on XX/XX/2022 to XXXX/and XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MI
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 account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Please the summary of the negative accounts below ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$230.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a late reporting on my account SYNCB/XXXX this isn't accurate I made all my payments on time, this is clearly an error on your part.I hope we can resolve this matter 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 non-monetary relief
Consumer complaint received 2018-12-04
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been trying to call and pay Ally Financial, they are giving me an hard time. 
They want me to give them an address I no longer know, they want the vin number I no longer have the car. They keep hang up on me telling me there is nothing they can do. 
I'm trying to make settlement or lower payments

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 2017-12-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today, XXXX XXXX, I went to verify my account status for my XXXX XXXX XXXX maintained by Synchrony Bank. I noticed on my credit report that this account had fallen off. I called XXXX and finally got to speak to someone. She told me my account had been closed due to inactivity and that the last activity was in XXXX of XXXX. I told her I wanted the account open but she refused. The bank closing this account involuntarily has damaged my credit rating due to the fact that I had this card for several years and had a reasonably high, {$4000.00} spending limit on it. I need this account to be reopened, please ; and am even willing to purchase using it. The account has had perfect payment performance at all times during the period while I had been using it more often. I should note that there does not appear to be any indication to me that this account has been closed other than the implication via absence from my credit report -- unfair tactics on the lender 's part.

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 2023-10-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Nelnet, Inc.
State: AR
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:
My credit report shows closed and over 180 days delinquent. The government has been paying since Covid relief started. How can it be delinquent? Also, my loan was with XXXX XXXX and was sold to XXXX without notification or ability to get in touch with this company. Even if the government wasnt paying student loan payments, I couldnt pay because I have no way to contact this third party company. I am requesting this delinquency be removed for the above reasons.

Company response to consumer: Closed with explanation