BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: CA
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-20
Company: EQUIFAX, INC.
State: CA
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On the XXXX of XXXX, 2020 Capital One reported my Balance of approximately XXXX to the Credit Bureaus as the Closing Balance and Usage Rate for XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 I disputed my Credit Score. XXXX  referred me to the Creditor Capital One. 

On the XXXX of XXXX, 2020 Capital One refused to Report the actual Closing Balance of XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score of XXXX from XXXX. 

On the XXXX of XXXX, 2020 ; I filed a Complaint with the Consumer Financial Protection Bureau against Capital One for reporting my Balance on the XXXX of XXXX, 2020 as my Closing Balance and Usage Rate for the XXXX of XXXX, 2020. Complaint Number XXXX - XXXX. 

A particular Credit CardXXXX line of Credit ; closes on the XXXX of each month. On XXXX, XXXX, 2020 my Balance was XXXX and on XXXX, XXXX, 2020 the Creditor reported my Usage Rate as the Balance on XXXX, XXXX, 2020 of approximately XXXX and even though I received a letter during approximately XXXX, 2020 that the Creditor might report any given Balance of a Proceeding Cycle for the Closing and Usage Rate of the previous Cycle ; I thought that the Creditor was mistaken ; since alterations of the Closing Balance is possibly illegal. 

On the XXXX of XX/XX/2020 Capital One did Respond to my Dispute through CFPB, but with the Closing Balance of XXXX, XXXX, 2020 ; when the Dispute is of the Closing Balance of XXXX, XXXX, 2020. 

THE COMPANY 'S RESPONSE INDICATES THE CLOSING BALANCE DURING THE MONTH OF XXXX, 2020. THE COMPLAINT IS IN REFERENCE TO THE CLOSING BALANCE AND USAGE RATE DURING THE MONTH OF XXXX, 2020. 

THE COMPANY 'S RESPONSE OF MY CLOSING BALANCE DURING XXXX, 2020 OF XXXX. IS CORRECT, HOWEVER THE COMPLAINT IS OF THE CLOSING BALANCE AND USAGE RATE DURING XXXX, 2020 WHICH IS NOT CORRECT. THE COMPANY REPORTED 42 % USAGE RATE OR {$420.00} DURING CLOSING ON XXXX, 2020, WHEN THE ACTUAL BALANCE DURING CLOSING ON THE XXXX OF XXXX, 2020 WAS 29 % OR XXXX. 

On the XXXX of XXXX, 2020 Consumer Financial Protection Bureau closed my Dispute. 

On the XXXX of XXXX, 2020 XXXX  has modified Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
i submitted this problem to both companys before and got same response im tired of waiting for them to not do anything and waiting a week or longer they should just delete inquirys right away

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: FISERV INC.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 my banking account was compromised. The hacker had taken all of the money in our savings account and transferred it to our checking in hopes of being able to use it. Fortunately, I noticed the transaction on Sunday, XX/XX/XXXX. I called the bank immediately and they transferred my funds back to savings and put a hold on my accounts. The hacker had already tried placing an electronic transfer to the company called XXXX XXXX on XX/XX/XXXX but because it was the weekend, it didnt attempt to clear until Monday, XX/XX/XXXX. The transfer had been declined because I had XXXX XXXX put a hold on all of my accounts. Now I have a company called TRS services contacting me about a debt that I owe to XXXX XXXX. I will attach all three letters I have recieved. I dont have an account with XXXX XXXX and I tried to contact them and ask them to clarify that but they were no help. They dont even have a contact number to speak with someone over the phone. I really have no idea how the business works. I dont owe the company anything. My bank account was used by another 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 explanation
Consumer complaint received 2017-10-28
Company: EQUIFAX, INC.
State: WV
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:
I wrote a letter to Equifax on ( XX/XX/XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 15 accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( inaccurate reporting date of XX/XX/XXXX ) XXXX XXXX XXXX ( inaccurate reporting date of XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) 12 XXXX XXXX XXXX ( XXXX ) 08 XXXX XXXX XXXX ( XXXX ) I received a response letter XX/XX/XXXX stating that these accounts have been verified as accurate and updated. Which again is impossible due to the account numbers containing " X 's ''. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX and I am a real person upset about the findings of my credit report information. And after checking my credit score to buy a home I have seen some information on my account that wasn't accurate. This is a big violation of my rights to privacy. 

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. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting FRAUD on my social security number. On XX/XX/ ( Saturday ), I visited the XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX to open an XXXX XXXX account. I went into a branch bank at the request of XXXX XXXX telephone customer service as a prerequisite to opening an XXXX XXXX Account. My credit score is XXXX per XXXX. Once inside the bank, XXXX XXXX refused to open up the account because they allege their system is reporting FRAUD with MY SOCIAL SECURITY NUMBER ( citing multiple names on my social security number ). I informed them that is incorrect, and instead of the branch manager CORRECTING AND BLOCKING THAT ERRED INFORMATION she refused to open the checking account. 

XXXX  XXXX XXXX cops were called, and AN IDENTITY THEFT REPORT OBTAINED ( TRACKING NUMBER XXXX ). I AM DIRECTLY REQUESTING THE CFPB BLOCK THE ERRED INFORMATION XXXX XXXX HAS ON FILE PREVENTING ME FROM OPENING UP AN OPPORTUNITY CHECKING ACCOUNT. MY CURRENT CREDIT REPORTS WITH THE 3 CREIT BUREAUS ( XXXX, XXXX, AND XXXX  ) ARE NOT REPORTING THE INFORMATION XXXX XXXX FALSELY ALLEGES. 

THE CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, IS REFUSING TO DO THEIR JOB VIA BLOCKING THE ERRED INFORMATION AND THEY ALONG WITH XXXX XXXX NEED TO DO THEIR JOBS AND STOP INTERFERING WITH MY FINANCIAL ( SAFETY ) FREEDOM. 

PLEASE NOTE THE UPDATE TO CFPB COMPLAINTS XXXX FILED XX/XX/ ( SATURDAY ) : XXXX XXXX bank is interfering with the processing of Checks disbursed by Georgia XXXX XXXX XXXX XXXX, XXXX, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, XXXX writes the checks from a XXXX XXXX bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM  OF XX/XX/XXXX-THURSDAY XXXX XXXX WHERE I SUSTAINED SIGNIFICANT XXXX XXXX, AND XXXX XXXX. I have been APPROVED FOR {$25000.00} AND CURRENTLY XXXX IN IN ARREARS REIMBURSING ME {$15000.00} FOR treatment resulting from XX/XX/XXXX-Thursday XXXX XXXX, and currently XXXX   owes me {$15000.00} ( PRIOR {$12000.00} ) and have FAILED TO DIRECTLY COMPENSATE ME. 

There lackadaisical attitude is interfering WITH THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: NV
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 personal information was involved in the Equifax data breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had problems with the bank - CapitalOne360 for  several months, and their answer was this - Our records show that the decision to end our business relationship and close your accounts were made after our Security Team reviewed activity in your accounts and profile information. A restriction was placed on all your accounts while our Claims Team researched the disputes youve recently filed on transactions made with your debit card. 
Once all your claims have been closed, which can take up to 90 days from the date the claim was filed, the accounts will be closed, and a closeout check will be mailed to your address on file with the remaining funds. 

All my disputes were resolved a week ago or more, I contacted them but they did not care. They do not want to give back the money that was left on the account. Just use them. 
One time, I received an email that all my accounts can be closed and the money transferred to external account. So, do it. Who is responsible for this? 
Branch cant help and on the phone either, some kind of holy fraud department decides it that you cant even talk to it on the phone. Only telephone entry. I am in shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TD BANK US HOLDING COMPANY
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am being sued by td bank ( target ) ... never got papers or anything knowing I could dispute this! Know nothing about this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Quality Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Revolut Technologies Inc.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am unable to fully close my account with Revolut.

I continue to receive monthly statement emails from them, which indicates that my account is still open. However, I requested my account be closed more than 1 year ago.

I can not log into the Revolut app as the app believes my account is closed.

I can not contact Revolut because they provide absolutely no way to reach them without logging into the app.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house and my mortgage was closed on XX/XX/2020. My mortgage was with M & T bank. They were not who I initial took my mortgage out with. They have been problematic to deal with since they became the servicer. 

I did not receive the mortgage tax statement for 2020 showing how much I paid in interest and taxes for the 2020 tax year. I realized this when I went to do my taxes with the collected documents. Normally these form are easy to retrieve on company websites Previously when my mortgage was serviced by XXXX XXXX, I could alway get them online ( but never failed to receive a paper statement ), however, M & T bank closed my account so I can't log in to their website and get the document. I get an error message when I try to log in. 

I tried calling the bank on Saturday when I was doing my taxes, but was told that the online department couldn't help me. I called back today and have been on hold waiting for over 20 minutes now. It's a silent hold. I'm not optimistic I will be able to get through at all. 

It feel like since I am no longer a customer they have no interest in helping me get the matter resolved.

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 2017-10-26
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wages were being garnished pursuant to Court Order for a debt on which a judgment was obtained. 

The amount that was authorized to be collected was {$2300.00}. 

They collected {$2400.00}, {$100.00} over the amount owed and authorized. 

The law firm of Pollack and Rosen is the debt collector. 

They sent me a check for {$45.00} for the overage collected. 

I made repeated attempts to contact the law firm about the balance of the overage. I was finally able to speak with someone at the firm and was told I would have to talk to my employer about the rest of the money. My employer told me to talk to the law firm as the money was sent to them. ( {$54.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, Please remove debt, submitted complaint through CFPB portal which company responded to have debt removed. 

Company letter attached and CFPB full complaint. 

Thank you.

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 2019-06-28
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to close my account with TCF. At the time, I had also disputed a series of charges to my checking account. The TCF teller informed me at the time that if they closed the account, they would refuse to process the charge dispute. If I wanted to close the account, I would have to forfeit any monies that were being disputed.

This was escalated to the branch manager, who made the same claim. When I asked for a contact above her, she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX-XXXX-Balance {$1500.00} XXXX-XXXX-Balance {$240.00} XXXX XXXX XXXX-XXXX-Balance {$62000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Lending Club Corp
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, I opened two accounts with XXXX XXXX using my debit card. Days later, the accounts were closed due to the funds being returned. That was never the case! The funds actually were deducted and posted to my account as a debit. For months now, I've been trying to get my money back but XXXX is saying the funds were never deposited. I have a copy of my transaction from that day showing proof that the funds were deducted from my account. 

XXXX XXXX  aka Lending Club Accts # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation