BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: OH
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 filed a complaint my with Equifax and they closed it without addressing the issue- that they were reporting without written authorization. Im refilling this complaint XXXX and enclosing screenshots of the original complaint and answer given that doesnt address the core concern. 


Please remove these accounts at one complaint These accounts are reporting and have reported without my authorization. 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Accounts above with XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please remove these items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
I'm trying to report a dispute with the debt collections on my credit report, I don't recognize any of this and I have been sending letters for those verifying those accounts and they not responsive as consumer there a law can protect me for this bad practicing the Fair Credit Act 15 USC 1681a ( 2 ) I didn't give any permission to have those accounts furnished on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally, it was reported that I had two 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally, there were a 30, 60, 90 day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposedly late payment and is further damaging my credit report. Please delete 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 explanation
Consumer complaint received 2020-04-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
With a promo code FXXXX ( {$200.00} bonus offer ) attached, I opened XXXX  Money Market account, with initial deposit of {$100.00}, on XX/XX/XXXX from the following link at : https : //www.usbank.com/splash/checking/checking-offer-December19.html The terms of the promotion were : Open a XXXX  Money Market account and deposit {$10000.00} or more by XX/XX/XXXX Maintain a balance of {$10000.00} or more through XX/XX/XXXX The monthly maintenance fee of {$10.00} can be waived when minimum account balance is {$10000.00} As soon as I received an account approval notice from the bank, I set up online account profile, linking external account to this account enabling fund transfers, etc. Finally, I managed to deposit {$10000.00} additionally on XX/XX/XXXX, well before the required deposit deadline of XX/XX/XXXX. 

On XX/XX/XXXX, I noticed Monthly Maintenance Fee of {$10.00} was charged the day before, even though the account balance was {$10000.00} at that time. I called U.S. Bank and discussed the matter with Customer Service Representative, XXXX. XXXX apologized for the system glitch and refunded the {$10.00} fee immediately, stating that this would not affect my {$200.00} bonus eligibility. And I asked XXXX to note on my account about her assurances. 

Though I learned that customers who had opened savings account with the same offer received {$200.00} around XX/XX/XXXX, no bonus had posted on my account. I contacted U.S. Bank and spoke to XXXX ( Ext # XXXX ) about a missing bonus. XXXX submitted a manual processing request for me and provided me with her extension number as a proof. 

I contacted U.S. Bank again on XX/XX/XXXX, and discussed the missing bonus with XXXX. XXXX filed a Request Form for Promotional Offer for me. However, I have yet to see the bonus posted on my account ; nor have I heard from U.S. Bank, despite my repeated attempts to resolve the matter. 

Furthermore, I read online postings showing that customer who were in the exactly same situation ( {$10.00} maintenance fee charged for first month but waived thereafter ) also received the {$200.00} bonus one way or another. 

Therefore, I request that the {$200.00} bonus should be posted on my account without undue delay!

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 2023-05-25
Company: EQUIFAX, INC.
State: NV
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:
This is my second complaint and the first one was closed and I have gotten no help. My previous complaint # XXXX on XX/XX/ was not resolved and Equifax did not address the issue. I have not had access to my credit profile for months and I have called them and I have tried myeqifax and it will not give me any updated information. The only thing I get is an error code and I am told to call the XXXX number which I have 10 times and they will not fix it. Please stop closing my complaints without addressing and resolving the issue. I have no access to my credit report and I have been denied credit due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
{$130.00} in total have been stolen from my account. From unauthorized users on Cash App and they also closed out my account with money and XXXX on it as well. 
On XX/XX/XXXX ( my birthday ), two unauthorized transactions happened : $ XXXX : {$100.00} $ XXXX : {$2.00} $ XXXX ; {$18.00} and {$12.00}. 
Cash App avoided answering me and even informed me that other people were on my account when they were the only ones who have had my information. Its been a month, Ive sent screenshots of my information being stolen and everything. I have messages informing me that someone unauthorized was in my account when Ive never given anyone my information, they even changed my information and took off my phone number from the account. I have a XXXX year old and need to take care of her. That {$130.00} is not something that I can spare.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Rocket Mortgage, LLC
State: CO
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:
Quicken Loans reported our account 30 days late when we have never been 30 days late. 
We refinanced our mortgage with Quicken Loans and closed on XX/XX/2018. They reported our account 30 days late on XX/XX/2018. 

Quicken Loans acknowledged that this was an internal error and stated they would remove the 30 day late payment from my credit reports. The 30 day late is still showing on XXXX and XXXX  which is preventing me from refinancing my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed the transaction of {$50.00} because the merchant refused a refund but I did not receive the service as promised, so I disputed my transaction with my bank and I later got a letter with the final decision and they did not get my funds back because they said there was enough information to support my claim. I also emailed them all the information they asked from me. The transaction details are Date : XX/XX/2023, Amount {$50.00}, XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-02-03
Company: Ascendium Education Group
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Ascendium Education Solutions ( Group ). A consumer transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In late XXXX, my father died. He had multiple accounts and CDs with Capitol One Bank. Many of the accounts were jointly held with my mother with right of survivorship, but some only had her or I listed as the beneficiaries. She is in a long-term care facility suffering from XXXX, and with my father 's death, I have power of attorney over her financial affairs. 

After multiple contacts and providing the power of attorney, letters from her doctor regarding her condition and his death certificate, Capitol One Banking could handle transferring the joint accounts over to my mother and set up my power of attorney so that I could pay for her care. This experience was frustratingly time intensive but not any different than dealing with other banking institutions with whom I had to go through this same process. 

But the Capitol One Bank Estate Department has been impossible to work with to obtain the funds my father listed us as beneficiaries upon. You can not reach the department by phone, nor can the banking customer service representatives at Cap One. The banking department keeps sending additional requests for the same documents I have already sent them. I have filed multiple forms for them. They refuse to transfer the funds to her other Cap One accounts, even though it's the same institution. Instead they keep insisting that they need to send out hard checks to the addresses on record ( despite the risk of large checks going through the mail to my parents ' house where neither of my parents is obviously able to receive them ). But even when I accept this risk and ask them to process the checks, they repeatedly keep saying the checks are coming and extending the length of time they need to process the checks. 

I provided them all the documentation and requested that they accomplish this on XX/XX/XXXX. As of today, they are telling me that they need another 7-10 days and that I need to again submit the same documents I have previously sent them. When I call the banking customer service representatives they are sympathetic, acknowledge that I am designated as POA on my mother 's banking accounts, but are powerless to provide any relief or even to directly contact anyone in the Bank Estate Department. This is particularly troubling as I need access to my father 's accounts to continue paying for my mother 's medical expenses. 

Please investigate Capitol One 's Bank Estate Operations Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: MA
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2021-07-08
Company: Lending Club Corp
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have a acct that has been on my credit FILE SINCE XXXX ... i have continuously disputed this item ... but the credit reporting agencies refuse to remove it from my credit file.i submitted an old credit report from XXXX showing how long this acct has been on my credit report.the acct in reference is 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 2021-05-28
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collection does not belong to me and never received any documentation via mail saying i owe this debt yet still put it on my credit report as i am a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
2 BANK OF AMERICA ACCOUNTS WERE OPENED FRAUDULENTLY. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE CONTACTED BANK OF AMERICA NUMEROUS TIMES,  THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE ALL FRAUDULENT. I UNDERSTAND THAT BANK OF AMERICA IS A BIG COMPANY, EVERY TIME I CALL I GET TRANSFERED FROM DEPARTMENT TO DEPARTMENT AND NO ONE IS ABLE TO FIND ANY INFORMATION SINCE THESE ACCOUNTS ARE CLOSED AND OTHER DISPUTE. THEREFORE I NEED THESE TO BE REMOVED FROM 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 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One Bank, during XX/XX/2020, without any notice to me, froze the ability to make withdrawals from my accounts. As a result, three prescheduled ACH payments that were scheduled were rejected resulting in {$140.00} in fees from my credit card for returned check, and {$60.00} in late fees, for a total loss of {$200.00}. In addition, Capital One wrongfully converted my balances of {$670.00} ( savings ) and {$90.00} ( checking ). Therefore, the total losses are {$990.00} due to the wrongful actions of Capital One. 

I called Capital One on four occasions. Each time the representative states that they can not access the account and they transfer me to the " correct department. '' However, the " correct department '' never comes on the line. In each case, over 60 minutes passed without the " correct department '' answering. I note that the call center Capital One uses is not located in the United States and they are transmitting sensitive account data to XXXX XXXX and XXXX. 

I have maintained these accounts with Capital One Bank for over 10 years without any incident. 

Based on information, Capital One experienced a data breach and most likely caused whatever security issue to occur through its own negligence. I engaged in no activity that would warrant Capital One blocking my routine ACH payments that have been recurring for the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
There is a lawsuit against Bank of America during Covid -19 unemployment fees. Please look into this matter. My unemployment was issued through this financial institution and it has been bought to the countrys attention of the XXXX dollars lawsuit. My name is XXXX XXXX. Let me know what further information may be needed on my 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 2020-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I wrote to Portfolio Recovery about Account # : Unknown for an amount of {$3000.00}. It has been over 30 days and I did not get a response from them with proper validation of this debt as requested in my communication to them. I am requesting that they must cease collection efforts, and remove negative items placed by them on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XXXX I've sent Frost Arnett four requests for debt validation ... 4! I've attached a copy of the most recent letter, dated XX/XX/20, and proof of fax delivery including the letter sent XXXX. The bureaus did not verify the debt. The collection agency did not validate the debt. There has been more than enough time and I want this account, XXXX deleted!

Company response to consumer: Closed with explanation