BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX05b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00}, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I am concerned that the credit bureau is not correctly sharing my credit information. My credit score is excellent yet I am being offered exorbitant interests on loans, credit cards, and credit card offers. I recently again checked my credit report and one of my accounts transferred from XXXX XXXX  to XXXX XXXX XXXX  continues to show as closed on my credit report and not removed from my credit report. The credit bureaus can not explain to me why I am being offered such high interest rates with my excellent credit. 

Also, I have filed for reimbursement for my XXXX XXXX credit information being hacked and after several months of waiting, I have not yet received a response nor reimbursement as required by law.

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 2020-07-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/2020 i sent my friend an international wire transfer of {$5000.00} from usa to XXXX through a chase bank branch in XXXX, ohio. 
i was charged a {$50.00} fee for this transaction and i was told that this transaction should be received by XX/XX/2020, which is 10 days from the day sent. this is also stated on the documents that i got for the transaction. 

it is now XX/XX/2020, 5 days past the due date, and still my friend has not received anything. 

ive went back to the branch and asked them for help to track the transaction, but they refused to help me and gave me a phone number ( XXXX ) which every time i call goes to an automated system which says we are currently unavailable and then immediately hangs up. 

so now i have no way to track my transaction of {$5000.00} and i have no idea if it will even be received. this is just horrible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I had someone try to get a Credit card through Verizon shared account using my information and I didnt apply for it. I have a lock on my credit so no one should be able to give credit or run it but it seems thats whats going on with the back behind the card bc I got an email from some synchrony bank saying they wanted me to call them? I am not calling anyone bc I didnt want a card through Verizon and I dont want a hard hit to my credit for applying for something that I personally didnt apply for.

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 2021-07-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$4000.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
PLEASE HELP ME!!! 

Trans Union actions has made it impossible for me to find a place to rent which has caused me to beome homeless. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am XXXX XXXX veteran and need a place to live. 




XXXX XXXX account balances does not match on report. XXXX {$12000.00} ; XXXX XXXX ; TU XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete XXXX   {$33000.00} ; XXXX XXXX ; TU XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. Clearly an error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. Clearly an error. 
please delete XXXX XXXX XXXX XXXX  XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information

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 2021-07-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: WI
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 credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I discovered that my employer had over contributed to my XXXX account. 
The consumer interface on XXXX  XXXX  's website alerts a user to the fact of over-contribution but does not provide any means for requesting a distribution of excess funds. 

On XX/XX/2020 I sent an email from an icloud account to XXXX, which is listed on the XXXX website as a method for contacting the Bank, requesting simply " what form do I use for an excess contribution? '' I received no response. 

On XX/XX/2020, I sent a follow up email from the email account associated with my XXXX XXXX  account, again requesting, " what form do I use to request for a taxable distribution? '' I again received no response. 

On or about XX/XX/2020, I called XXXX  XXXX  's customer service helpline and requested the form for a taxable distribution of excess funds. In response, XXXX  XXXX  emailed me the form for distribution for eligible expenses -- the wrong form. 

On or about XX/XX/2020, I found a form entitled " taxable distribution request '' on XXXX  XXXX  's website using XXXX, filled it out for the two tax years I needed taxable distributions, and emailed it to " XXXX. '' I received a confirmation email indicating that XXXX  XXXX  would process it. 

On or about XX/XX/2020, I received two letters from XXXX  XXXX  enclosing my rejected excess distribution forms and a letter indicating that the form had been revised and I would need to resubmit the request for taxable distributions using the new forms. The letters contained envelopes. I filled out the new forms and mailed them to the addresses on the letter from XXXX in XXXX. 

As of today, XX/XX/2020, XXXX  XXXX  has not processed those taxable distribution forms nor sent any response regarding the requests for taxable distributions. 

XXXX XXXX  has failed to allow me, a consumer, to withdraw more than {$3000.00} of deposits for over a month, and does not provide any mechanism on its website, mail, or customer service line to withdraw those deposits. I am recounting these facts to the OCC and CFPB in the hope that they cause XXXX  XXXX to change its business practices to allow consumers to withdraw excess contributions, which can subject their depositors to IRS tax penalties if not withdrawn by the end of the tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/XXXX, Huntington Bank deemed my account to be " risky '' and chose to close the account. Over the following 2 weeks additional deposits were made to the account, hoping the account would become re-opened based on documentation I was told they needed. 

They chose to instead close the account with almost {$9500.00} in the account. As of today, XX/XX/XXXX, the account still has they money, and they continue to deny my access to the money, allowing me to transfer to my XXXX account. At the same time, they have not completed final closing and mailed me a check. 

That is quite a bit of money they are choosing to hold onto. They are the WORST bank I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: GA
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:
In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting my credit.

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 2021-07-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all 3 bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.

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 2020-12-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
we signed up for a covid relief for 6 months withXX/XX/XXXX near the end of agreement XXXX sold our mortgage to another bank, XXXX had agreed to put the missing payments at the end of our loan and no late fees or any discrepancies at all the new lender that XXXX sold us too Carrington Mortgage is not honoring the agreement made with XXXX and wants all 6 payments now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXXXXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, 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 explanation
Consumer complaint received 2020-09-08
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:
I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( XXXX, Equifax, XXXX  ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A  copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX  Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File XXXX Creditor : XXXX XXXX  Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX    XXXX XXXX A DIVISION OF XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one card Wife had the card We got divorced She did not pay on time XX/XX/XXXX and XX/XX/XXXX Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I originally opened this account, my due date was set before I ever received and electronic or physical information to create an online profile. When I did get my account information, I already had a late fee. I had to work with them to get this waived and adjusted. 

6 months later my primary bank replaces all my debit cards for a information security breach and effecting this payment. I called to correct the issue but now it was to be processed 1 day " late '' because an EFT takes 3 business days for them to credit you account, causing it to be a day late and they were going to add a fee again. Once again had to get an exception for something out of my control. 

Today I received a collection call at XXXX am local time from them for a amount due yesterday. I tried accessing my account online and had to reset my password. It locked me out and I could not get anyone via phone to make payment due yesterday ( Sunday ) after holding 2 hours. Once again late fees were assessed and they refused to waive them because since I had already been waived fees. Not only was I not provided a regular account manager/agent, I was sent to a collections department. 

This is a 0 % financing dealing and as soon a you are " late '' they get to charge interest on the whole financed amount. They are intentionally making it difficult to make payments, get a hold of them, or remedy any situation not caused by yourself ahead of time on time in order to create false breaches in contract language in order to start charging interest and fees. 

If you set up auto pay they take the money several days prior to the due date. They are playing a float and games in order to profit unfairly. They also violating Fair Credit and Collection Practices by frequently calling ( several times in a day at my work ), calling before and after acceptable times on amounts less than 24 hours past their date. It requires a formal letter to put me on a do not call list. 

I paid this account off in full immediately, but once again it requires formal letters or online access, social security numbers, etc to close the account. The account they had pulled up and were looking at to collect! Ironically they could not provide me a written, emailed or texted confirmation of payment and was told to wait for may monthly statement. 

This bank if not consumer friendly and is praying on people with easy approvals and high fees and interest charges with predatory lending practices created so you will violate their terms to maximize these fees and charges.

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