BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 was incarcerated XX/XX/XXXX and was unable to make payments to my credit card lenders. i was released XX/XX/XXXX. 

during this time my mother was able to make some payments after obtaining a legal power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the company and no one answered the line.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a Capital One account that had a balance of {$380.00}. I filed the necessary identity theft report with the XXXX and the XXXX XXXX Police Department. I mailed it certified mail to Experian, XXXX  and XXXX on XX/XX/2020. Notification was sent XX/XX/2020 from XXXX that it was removed and blocked, and XX/XX/2020 Experian advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with Capital One.  On XX/XX/2020 I did apply for a Capital One Quick Silver card as a recommendation online from Experian and was approved. I did provide my information then. Experian and XXXX also continue to report inquiries on my credit report that have not been authorized by me and were included in my XXXX and police report. I did not have this issue with XXXX 

I have also reached out to Capital One requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
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: 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 {$11000.00}. 
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. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -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 2022-02-02
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: Their investigation did not fix an error on your report

Complaint:
This item was disputed in XXXX. I do not believe Transunion performed an actual investigation as XXXX has removed this item from my report, but Transunion has not. This item is erroneous and needs to be removed right away. This is keeping me from qualifying for a mortgage and it is not right.

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 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion and XXXX ignore my letters disputing a hard Inquary from XXXX XXXX XXXX. I write them 2 letters each in the pass 6 months they never respond and XXXX XXXXXXXX hangs up on me when I call there company

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 2020-11-17
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has not balancing in lines with my bank Citibank. I can make a deposit of XXXX and the next morning the bank has my balance at XXXX. I called and tried to sort it out but I was not able to. Citibank is also changing the order of transaction to charge a nsf fund dee. Fir examples I cam have {$500.00} in my account and make a payment for {$130.00} to someone I am requesting an audit of my account. The money I have deposited does not add up to transaction processed.

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 2022-04-28
Company: EQUIFAX, INC.
State: MI
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:
As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from FAIR COLLECTIONS & OUT. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXfrom original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX  XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX  XXXX XXXX original creditor is XXXX  XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX. Multiple attempts have been made for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from FAIR COLLECTIONS & OUT. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXfrom original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX  XXXX XXXX original creditor is XXXX  XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX Multiple attempts have been made for removal

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 2020-02-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have complained to cfb Complaint # XXXX-XXXX and the company returned the request that they were not the appropriate company to address my issue, but they are foreclosing on my home through the law firm of XXXX, XXXX  XXXX XXXX under the name of XXXX, but XXXX  is on the Assignment of the Mortgage and JPMorgan Chase bank is the servicer. 

It is impossible for me to know which company is foreclosing on my home. The documentation is in question and the endorsement of the assignments have been endorsed by XXXX XXXX XXXX and XXXX XXXX XXXX which the US Attorney General has fined and forbidden the firm to act or continue to be involved in the foreclosure of properties unless certain criteria is being met. 

There is no note, and the Certificate of Merit presented to the U.S. Supreme Court by the plaintiff 's attorney, XXXX, XXXX, ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX ) documents may possibly contain forged signatures and robo-signing and the company on the Assignment of the Mortgage, XXXX, denies that they are responsible for the foreclosure sale on my property. 

My question is that as a consumer, do I have the right to know the company foreclosing on my home. Is it XXXX, XXXX , XXXX XXXX or JPMorgan Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: OK
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:
I have seven or 8 open accounts on my credit report from past medical bills. I'm fully XXXX XXXX  on fixed income and I'm unable to pay the bills and need them removed from my credit report so it can stop effecting my score. Can you please help me. I received the accounts back in XX/XX/2018 when I was in an accident causing my XXXX   XXXX and was medicaly uninsured at that time of my accident. And since then have been XXXX in a XXXX and on fixed income unable to work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account number # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX - Opened XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX XXXX $ XXXX| XXXX XXXX XXXX XXXX - Opened XX/XX/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 2022-04-28
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 filed a complaint with XXXX, Equifax, and XXXX about the following accounts : Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These companies violated my federal rights. 15 U.S.C. 1681 Section 602 ( A ) states : I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) states : Consumer Reporting Agency can not furnish an account without my written instruction. XXXX XXXX has been deleted from my Equifax Credit Report, XXXX Credit Report, and XXXX Credit Report. XXXX XXXX has been removed from my Equifax Credit Report but not from my XXXX or XXXX Credit Reports. I do not understand how it can be removed from one Credit Bureau but not the other two. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX chose to ignore my request for deletion and simply updated my accounts. By updating my accounts, they violated the same Federal Rights that I informed them that they previously violated. I have spoken with legal counsel, and he informed me that i have every right to move forward with legal action resulting in financial compensation for not only violating my Federal Rights once but ignoring my request of deletion and updating the account and once again reporting it to the credit bureaus without my written instruction. i am 100 % certain i have not given my written instruction to anyone/company. I have decided to file one more complaint before taking legal action and i am again requesting that those accounts be deleted from my credit report immediately. Once the accounts are deleted, I'm requesting a copy of my updated credit report sent certified mail so there is an independent witness to it being delivered. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I went to deposit money to my account thru the drive thru but noticed a sign that read " go to the ATM to deposit transaction with less the 3 items ''. I went into the bank and put my money into the ATM and it started to make noise. I informed the teller since there was no one in the bank to see if she could help. The teller came out and witnessed the ATM spit out a receipt with a {$0.00} balance recorded. She told me that happens and not to worry. The teller then got the bank manger out of his office and they bothwent to the back of the machine to see if they could retrieve it. The bank manger came out with a ripped {$10.00} bill. I told him there was more and I couldn't remember the amount because I'm was frustrated and upset. The amount was around {$210.00} - {$190.00}. there was 2 {$50.00} bills, a few {$20.00} bills, and a {$10.00}. I went back and forth with him about what needed to be recorded or done but he assured me that the ATM has cameras that have a view of 360 degree so not to worry. I again asked if there was a procedure that is suppose to happen because this can not be the first time this happened, he again was rude and said the ATM guy was called to come look/fix at the machine. 
XXXX XXXX I called the bank and spoke to the teller that witnessed the ATM spit out the receipt and she informed me that the next customer had taken my money because the machine was never shut done or closed for malfunctioning. 
the bank manger called me back about a hour later to tell me that they only found the ripped {$10.00}. I told him that it was more and what did the camera show. He did not answer and was rude and upset that I question the procedure that was not followed regarding the ATM and audit. 
No one has gotten back to me as of XXXX XXXX after at least 8 calls to the XXXX and spoke to 2 customer service supervisors. No resolutions to the problem or a answer to where my money went..

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 2022-04-28
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So last year I opened up my own company and wanted to open a business account for my company in order to separate my business from my personal. I used US BANK in XXXX, MN for this. Well shortly after this I had hired a women to help me keep track of office duties. Well part of her duties included taking care of company operations along with expenses. Well I had added her to my business account in order for her to do so. Not long after I had added her she parted ways and quit the company. Well after finding this out I contacted US BANK and asked them to remove her from my company account and access. I was advised that they would do so. Well I had added her also to my XXXX as the administrator so that she can keep and log company expenses and record. I had stated that I would do so and I would rather her enter her banking info herself along with enter her own social security number and other identity info so that if anything ever was questioned that I had no access to her personal information. Basically establishing my innocents if there was ever a problem. So the day after U S BANK told me that she would no longer have access to my business account, I had asked her to provided me with details on what she worked on to justify the hours she was claiming she worked. I never heard a response back. At this time I remembered I had her add her own banking information for direct deposit through XXXX and it had already come out of my business account the day before. I then proceeded to contact US BANK to stop payment on this and they said there was nothing they could do even though it went to her personal account with US BANK. So I had filed with XXXX XXXX, MN court system a civil lawsuit against this individual. Well I was advised and given document of this individuals counterclaim and she provided documents that indicated that she was in contact with the business banking rep at the US BANK in XXXX, MN after the fact of them advising me she would no longer have access to this account and information. The email gave great prove to this not being the case and she was still given information about me and my company checking account a month after US BANK STATED she would not be given access to this. Well that is the reason for this complaint today. I had started legal issues with this person to get my money back that was questioned, and took her off of the account and come to find out that US BANK was still giving her personal and company information afterwards. This is an illegal action on US BANKS part and violates certain guidelines and laws under the data privacy act along with fair consumer practices act.

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 2019-07-16
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: Problem with personal statement of dispute

Complaint:
I got a bed to try out for XXXX nights and I did not like the bed so I had the bed picked up with no charge to me. The bed company use XXXX XXXX XXXX XXXX XXXX fl. XXXX XXXX XXXX CA. for there loan Co. I was never billed by XXXX XXXX at any time when I was on my trial time for the bed. I never paid any one no money at any time for the bed. XXXX XXXX said I made 3 payments to them, Frist one in XXXX, XXXX in XXXX & XXXX of 2017 they say I was 30 days Late. I got the bed to try out in XXXX of 2017 the first and the bed Co. picked the bed up on XX/XX/2017 that is 104 days. XXXX XXXX said my loan was for {$920.00} Open on XX/XX/2017 and closed on XX/XX/2017, I just want XXXX XXXX to take the 30 day late off of my credit report at Experian its been giving me a bad report and hurting my good 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