BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
IamtryingtodoaabalancetransferfromCapitalOnetoXXXXXXXXXXXXXXXX.XXXXXXXXsendsoutphysicalchecksaspartofthebalancetransferprocessandsentCapitalOneacheckfor{$7200.00}onXX/XX/2019.TheCapitalOnehasnotcashedthecheckandthebalancehasnotbeentransferred.IcontactedCapitalOneaboutthistodayandwastransferredtoatoaseniorsupportrepresentativewhocalledXXXXXXXXona3waycall.Thedateofthecheck,addressandamountwereconfirmedbyXXXXXXXXbuttheCapitalOneRepresentativestatedthattheywouldnotinvestigatetheissue,orseeiftheyhadreceivedthecheckuntilthecheckhadbeencashedbycapitalone.TheXXXXXXXXRepresentativestatedthatthereareanumberofXXXXXXXXmemberswhoarehavingthesameissuewithCapitalOnenotprocessingthechecksmailedtothemaroundthesametimeandareinvestigatingtheissue.NospecificsweregiventomeandCapitalOnerefusedtoinvestigatetheissuecompletely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint is a follow-up to a complaint about TD Bank that I filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, CFPB Case # XXXX. Upon receiving a response from TD Bank on XX/XX/XXXX, in the form of a letter addressed to me dated XX/XX/XXXX from XXXX XXXX. XXXX, Vice President of TD Bank 's ATM Channel, the CFPB closed my complaint, noting that the complaint was " closed with monetary relief. '' As part of its procedure when a case is closed, the CFPB requested my feedback to the Bank 's response, allowing me until XX/XX/XXXX to provide this feedback. I did so today, XX/XX/XXXX. Attached is a CFPB-generated document that encompasses my complaint, TD Bank 's response to my complaint, and my feedback ( my response to TD Bank 's response ). The CFPB calls this document a Complaint Detail ; I have added today 's date in naming this document. 


When you study the attached Complaint Detail you will observe that, in my response to TD Bank 's response ( hereinafter, my response ), I noted the fact that the CFPB feedback procedure does not permit evidentiary documents cited in the feedback to be attached thereto. Furthermore, after I submitted my response, I was disappointed to see that the text of this lengthy response, which I had written as numerous paragraphs for easy and peaceful reading, had become one unbroken piece of text, giving it the appearance of an emotional diatribe, a rant, instead of a logical argument. 


Accordingly, I am also attaching to the instant complaint a document entitled " response to XXXX,, XXXX '' that contains the text of my response in the paragraph-subdivided format by which I composed my response and intended for it to be read. 


Moreover, for the reader to be able to fully understand my response to Mr. XXXX 's letter, it is necessary for the reader to read his letter, preferably before reading my response thereto ; accordingly, I am making his letter easily accessible by attaching a scan of it hereto as a document entitled " XXXX letter, XX/XX/XXXX. '' Finally, I am attaching the evidentiary documents cited in my response that CFPB procedures did not permit me to attach to that response : three self-evidently entitled letters issued by TD Bank denying the three corresponding claims that I made to the Bank ; a document entitled " Secure Messages, XXXX, '' that contains my email correspondence on that date with a TD Bank customer service representative named XXXX ; and finally a document entitled " Reg-E Claim, filed XXXX, '' which consists of my third claim to TD Bank unlike my first two claims, which I filed myself, this one was filed on my behalf by employees of the TD Bank branch closest to my residence, namely the XXXX XXXX branch and the response thereto on XX/XX/XXXX by a TD Bank investigator named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Twice I requested a credit line increase. Both times this company claims they had issues pulling a recent credit report and were provided a report from over 4 months ago from XXXX. This particular report had derogatory information that was either disputed and removed or was paid and updated. My credit score is up almost 100 points today compared to the report they pulled. I spoke with a supervisor regarding this issue and did not receive any assistance. As a result I closed my account out of frustration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I try to make attempts to make through online automatic system my social security number was not being recognized when I called in. I have XXXX staff was not giving me accommodations to make the payments. I was not properly notify that things where going be reported to credit report. I had several occasions were I was on hold for long periods. I am XXXX the staff told me it is my responsibility that I am XXXX. I made very attempt to make the payment.Paypal will not talk to me and synchrony bank is discriminating against me because I have XXXX I brought it multiple times that I can not read the bills and was not properly notify by phone because I can not read or see the bills.

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 monetary relief
Consumer complaint received 2020-07-13
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I'm a XXXXyear old male, hacked and scammed over my phone on the dates of XXXX XXXX. Scammer had me use Credit and Debit cards to purchase XXXX  Gift Cards at my local XXXX XXXX ( XXXX ) store as follows : XX/XX/XXXX : 2 purchased Gift Cards = {$990.00} ; XX/XX/XXXX : 4 purchased Gift Cards= {$1900.00} ; XX/XX/XXXX : 8 purchased Gift Cards = {$4000.00}. 

All these on my American Express Card. 
I also used XXXX XXXX debit card and XXXX XXXX XXXX credit card to purchasXXXX XXXX Gift Cards on those same days. Subsequently, after reporting the fraud to the XXXX, WA police ( XXXX # XXXX : this file can be accessed if needed ) and all the banks, XXXX and XXXX  XXXX XXXX credited my account for all the losses. 
I spoke with several American Express representatives over the past two months, and last week was told by a Supervisor that they didn't consider my case as FRAUD, but " the product purchased was damaged or not as described. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: MS
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 RECEIVE A CALL FROM A COLLECTION CO STATING ABOUT A DEBT I OWED ON A TV SERVICE. I HAVE NEVER APPLIED FOR TV SERVICE, IQUICKLY OPENED AN ACCOUNT WITH XXXX  XXXX TO REVIEW MY CREDIT REPORT. I FOUND STUDENT LOANS AND OTHER FRAUDULEDNT ACCOUNTS I HAVE NEVER OPEND OR GAVE ANYONE CONSENT TO OPEN PLEASE DELETE THESE ITEMS FROM MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to report an incident of identity theft involving my personal information. I recently discovered multiple credit card accounts opened under my name without my knowledge or consent. These accounts were established in locations I have never visited, confirming the unauthorized nature of these actions.

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 2019-06-18
Company: Lendmark Financial Services
State: OH
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:
Someone opened a Lendmark account in my name opened on XX/XX/17 the balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report XXXX XXXX {$290.00}

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 2020-12-04
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recieve threathening phone for a debt that is not mind. The company who claims I owe a debt is Southern Management Systems. The original company that claims that I owe debr is XX/XX/XXXX in the amount of {$5500.00}XX/XX/XXXXXXXX XXXX, XX/XX/XXXX I have disputed charged on XX/XX/2020 and XX/XX/2020 and was told debt was verfied. This is causing a hardship on my ability to move forward with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this request about the inaccurate account on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.

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 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was approved for a federal grant for an Eidl loan advance and on XX/XX/XXXX Bank of America froze my account. I brought in paperwork from the SBA proving the deposit was valid yet my funds have yet to be released.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for and 5 months of charge off reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-05-23
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/201XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$52000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: Noyes Law Firm P.C.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wages are being garnished for non-judgment spouse for medical debt that belongs to a man I am not legally married to. Supporting documents include : date he and I were married and date he and his first wife were divorced showing that he was still in a legal marriage to his first wife at the time of our marriage. This is called Bigamy and voids out my marriage to him. I filed a claim of exemption showing this fact but I am still being garnished and have to appear for a hearing.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance XXXX {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$740.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: SUNRISE CREDIT SERVICES, INC
State: WA
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:
Incorrect information collection needs to be removed. They removed it from XXXX  but not 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 2020-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I had begun the approval process for a mortgage with Wells Fargo. During the process, Wells Fargo wanted to ensure we would be long-term customers of the bank, and requested for us to open accounts there comprising most/all of our liquid assets, which we did promptly. 

We unfortunately did not close on the home and decided to work with another lender. 

My assets have been frozen at Wells Fargo for over two weeks as the bank has asked for ID verification ( a notarized US Permanent Resident card for me, since I am XXXX ). I have sent multiple copies with no response and my assets are still frozen - I am unable to transfer money, unable to sell/buy stocks, etc. It is distressing as I await a home closing for which I need access to the funds. 

I should also note, this verification was not needed at the outset. Wells Fargo was happy to accept my $ XXXX in assets. I sent in reams of documents for my accounts, including the mortgage. 

This is improper - to have all of my assets frozen for weeks without service. It is at best, incompetent, at worst, retaliatory, but in reality, likely a proper reflection of a rudderless banking organization that has done everything in its power to tarnish its reputation over the past decade.

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