BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since opening the account with Suncoast Credit Union. First my card would just completely shut off or decline transactions for absolutely no reason or explanation as to why it was happening. At one point transaction would say declined but I was still having the funds taken out even though I was paying for the items by other means, I provided receipts to show that I did so. On XX/XX/2020, Suncoast Credit Union accused me of falsely getting a XXXX Loan and XXXX Loan. After being accused I said I was filing complaint against the Credit Union and the next day my account was put on a restriction. After calling I was told that I needed to send in all information I submitted to obtain my loans in which I did. Then the customer service mentioned deposit from an out of state unemployment were disbursed into my account back in XXXX and XXXX. Deposits I never noticed because of the low amount. I asked why would they even accept the deposit being that it wasn't in my name and it was from an out of state unemployment and they had no response. My latest issue is that I filed another dispute in regards to transactions that were paid for by other means. I did the dispute back on XX/XX/2020 and also provided receipts showing I paid by other means. I was told I would have an update within XXXX business days and we are now on the XXXX business day with still no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Account was settled for {$570.00} on XX/XX/2020 with XXXX XXXX Solutions for my Kohls/Capital One Account. The collector removed this collection from my credit report as promised however several attempts have been made to get Kohls/Capital One to update my balance. The balance has not been corrected and I have contacted Kohls more than once and disputed with the credit bureaus. Since Kohls stated they do not have the information. I have faxed the form and also requested the Collector to send to Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I applied for housing on XX/XX/21 with XXXX XXXX properties for my relocation to XXXX XXXX, CA. Once I approved, I received my lease agreement and was instructed by " XXXX XXXX '' property XXXX to send a deposit and first month 's rent to secure my housing. I sent an online deposit for {$5000.00} to the instructed bank account. Once I arrived in XXXX XXXX, the property XXXX was to meet me at the residence with the keys. He never showed up and I found out the apartment was not real. He scammed me out of {$5000.00}. I filed a police report, XXXX # XXXX with XXXX XXXX Police department and contacted Bank of America to file a claim. I have not received any success with getting my money back

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 2020-08-24
Company: Experian Information Solutions Inc.
State: NV
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:
Problems with my credit report due to unverified misleading inaccurant 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 2021-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my second time writing ( credit bureau ) about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v.

XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), ( credit bureau ) may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. ( Credit Bureau ) had received my second as proof on this ( date ), which mean they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify 1. The following personal information is incorrect Account Number : DATE OF BIRTH : 1983 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

9. Validate Account XXXX XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There where two separate debits from one of my account. One for {$500.00} and the other for {$1600.00} as a over payment from one of my accounts. I have filed a claim back in XX/XX/2020 for the amounts. I have provided the original form of payment that was used on several different occasions even going into the bank to both fax and email proofs. When I filed the complaint I was told that all I need to do is show where I made this purchase with a different payment method. I was also told time and time again that these funds would be back into my account in 24hrs, 48hrs, next Wednesday or next Friday and it never happened. I asked that all the calls be pulled on this case and I have filed a complaint with executive offices. I have spoken to at least 5 people in this department and am consistently told that someone will reach out to me to no avail.

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 2020-10-14
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: 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 {$10000.00}, {$6800.00}. 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 2. XXXX/XXXX   with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6800.00} -This is not my account.

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 2021-09-03
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: Information belongs to someone else

Complaint:
Student Loan debt that I did not incur Identity Theft

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 2020-08-22
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:
Dear CFPB, Beginning XXXX, I have mailed multiple disputes to XXXX, XXXX   and Equifax for the following accounts. On XXXX XXXX, I mailed additional disputes to all of the above credit bureaus with the Police Identity Theft Report ( attached ) and Notarized Identity Theft Affidavit ( attached ) for the following accounts by USPS with Tracking Numbers. 

XXXX XXXX {$13000.00}, XXXX {$460.00}, XXXX XXXX {$200.00}, XXXX   {$84.00}. 

XXXX  and XXXX  removed all of the above fraudulent accounts except XXXX XXXX and Equifax did not remove any of the fraudulent accounts, Because they have not removed these fraudulent accounts, it is severely damaging my credit scores and is preventing me from purchasing my first home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since the beginning of XXXX, I have been trying to get the collection account that is inaccurately removed from my credit report. I have sent out a letter over and over asking for these accounts to be removed because they are inaccurate. My credit is being damaged and my credibility to establish new credit is being hindered.

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 2021-04-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE BALANCE WAS PAID OFF AT AN AGREED AMOUNT AND AGREEMENT IT WOULD BE REMOVED FROM MY CREDIT REPORT PER XXXX XXXX AND XXXX XXXX WITH 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 2020-09-10
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 have disputed the inaccuracies on my credit reports XXXX XXXX and TransUnion XXXX. When I requested that they show the validated that the bankruptcy was accurate the credit bureaus said that they did validate. I personally went the XXXX XXXX where my bankruptcy was done and they wrote a statement saying that they don't validate any personal information to the credit bureaus. The credit bureaus allow these outside companies to lie and harm other people credit by stating that their information reporting is accurate which is not true.

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 2021-04-07
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX RC ( Original Creditor : XXXX XXXX BANK ) XXXX ... XXXX XXXX  XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Franklin Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have documentation from XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX that states XXXX XXXX XXXX XXXX XXXX XXXX sending me a refund in the amount of {$180.00} and since this time, they have sent me to 3 different collection agencies and this reporting is impacting my credit negatively. I do not owe XXXX XXXX XXXX any money and I have been told this numerous times. I don't know what else to do to get them to stop harassing me for {$50.00}, but to report to you. This is currently with a collection agency called Franklin Collection and was reported to my report on XXXX as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/1990 Last 4 of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account : BMO HARRIS ; Account # XXXX To Whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also having a PAST DUE BALANCE OF {$3400.00}. 
This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

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 2020-08-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX at XXXX my bank account ( Chase Bank ) was  accessed by an unauthorized user. I received a notice on my phone of suspicious activity and noticed there were unauthorized transfers of {$720.00}, {$550.00} and {$500.00} through XXXX, the last of which was rejected and flagged as suspicious. I called Chase within 5 minutes of the transfer and asked them to stop the pending transfer and initiate a fraud investigation. They initiated an investigation, walked my through creating a new online account and restricting my checking accounts. They instructed me that the funds would be credited to my account after 10 days. However, after 13 days I called when no credit was applied and I was informed that my fraud claim was denied ( without notifying me ). They insisted that the transfer came from my IP address therefore it was not fraud. I insisted that I was sitting at my computer when the transfer happened and had not logged in for approximately 10 days prior, so I must have been hacked. The informed me they were very sorry, but I have no recourse for being hacked. I asked why I can stop an ACH transfer, Credit purchase or other transfer but not a XXXX transfer. They said because XXXX is a third party and the transfers are instant, I have no recourse. Chase shows the name and the phone number of the person who the money was transferred to, a person I do not know, and will only investigate superficially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by phone from Continental Credit Control on XX/XX/2018 to collect a supposed debt. I sent a letter via certified mail on XX/XX/18 asking Continental Credit Control to verify my debt. Continental Credit Control have never sent me any information to verify my debt, but has continuously called me on XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received an email " Notice '' on XX/XX/2022, from the CFPB, indicating a " Response '' has been received by " the company '' in response to my complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 in which I read a totally fabricated list of events ; incorrectly, indicating and identifying me numerous times, as the soul subject of occurrences that NEVER happened! Or, their email " Response '' was supposed to be about some other XXXXarty and Complaint ID #. 

I then, immediately became aware of CFPB 's inappropriate and unjust close of my complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022. 

So, I again submit my same problem as stated, in the COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 and the follow-up information requested by the CFPB, that was acknowledged and accepted to officially open my complaint. ( Why didn't you request any further information, such as ; documents associated with the Company 's statements in their " Response ''? ) It isn't fair that you closed my complaint before getting copies of the items they say took place. And, closed my complaint BEFORE I sent you a " Feedback '' letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Bread Financial Holdings, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX COMENITY BANK ) XXXX ... XXXX XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A few weeks ago, I called the Experian Credit Reporting agency regarding my Credit Report. There was a Negative or Poor Rating due to excessive Credit Report Hard Inquiry on my account. As I further investigate there were 12 Hard inquiry. However, 7 of them are for 1 specific car loan within 5 day timeframe. I tried to dispute this issue via telephone. The Experian Representative " XXXX '' ( Supposedly her name ) I spoke to was very dismissive, rude and talk down to you in an insulting manner. My inquiry and dispute was NOT resolve and proper explannation was NOT provided to me.These inaccurate reports are affecting my Credit Report in a Negative manner. Experian customer service are HIghly Unproffesional and detrimental to my purchasing capabilities.

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