BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US BANK : I am contacting you again in regards to the same complaint that has now taken a new direction without my awareness and without US Bank attempting to inform me yet again. 

In my last complaint I sent through cfpb, you instructed me to stay in contact through my branch manager. However, while she helped me keep my personal accounts open at that point in time, apparently as of recently, someone above her over-rode her request and those accounts began closing without me being informed as of yesterday, XXXX. Where in this agreement, https : //www.usbank.com/pdf/Deposit-Account-Agreement.pdf, does it lay out your right to close my accounts? Furthermore, specifically in regards to my personal accounts, under what premise are you closing those after years of low risk activity and good standing? 

Lastly in regards to the Deposit Account Agreement, I'm not sure I understand the part about arbitration fully in relation to associated costs in the Agreement effective XX/XX/2020. Could you clarify for me? Who pays for arbitration, you or me? Were there any changes to the written agreement after my situation took place, since it went into effect XX/XX/2020, in relation to my situation or is that covered in the agreement as well- If so, could you specifically point it out please? Finally, where have you informed me prior, as the customer having never been in this type of situation before so therefore not knowing how it would go, that I can not speak directly with those at US Bank making decisions regarding my account? Where do you inform me that I can not speak with anyone about the measures taken to determine there was fraud on my account, leading to your final decision? 

Your calls are monitored and recorded, right? So, you should have on record, me contacting the bank about this deposit before scheduling transfers. How is the bank able to ignore my safety precautions, security checks, and attempts to make decisions in accordance to maintain good standing with the bank? A relationship does not work if one party tries to explain the situation ( me ) and seek advice on what to do at this point in time ( from you ) to be told one thing ( from you ), to act in accordance with the advice, ( me ) to then have the opposite outcome ( from you ) from what was advised take place. You is the US Bank representative I spoke with that day. In other words, you can not operate successfully or maintain relations when you say one thing and do another. The bank could have easily put themselves in a no risk position by properly handing my phone call that day, but they didn't. I want to know how the bank is able to put this all off on me, when as I see it, I did my part. 

I am seeking answers to all my questions. They are not rhetorical. 

Thank you, 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 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/2022, I noted on my mobile app that my two credit cards with Capital One were " restricted. '' On XXXX XXXX, XXXX I called Capital One. They informed me that both my cards had been cancelled. 

I have had these two credit cards for more than seven years. I have never missed a payment. 

The credit card company offered no reason, and told me that since the accounts had been closed, they could not retrieve any information regarding the reason for cancellation. I was not contacted about any issues, problems or their intent to cancel my credit cards. 

This affected my credit score and their demand for immediate and full payment is beyond my finiancial capacity. 

I am a XXXX senior citizen with health and mobility issues. 

Again, I have had, and used daily, these two cards for over seven years and never missed a payment, often paid the full balance down to XXXX  and had no fraud or other issues with them, or this company, until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Omnipoint Capital
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After 1st initial call, I had a conversation an told them I would contact them when I'm able. They say their feom Omnipoint. I told them to leave me alone. They call from different numbers so blocking doesnt work. Now I get XXXX calls a day!! They won't stop even when I added the stop in my voicemail recording.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Rocket Mortgage, LLC
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: Information belongs to someone else

Complaint:
I filled out an online survey for quicken loans to learn about different mortgages. I at no point said I was inquiring and never entered my social security number. They put a hard inquiry on my credit report. I complained and they refused to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: UT
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:
My brother and I have been trying to untangle our credit reports for about 12 years. The last attempt I made was in the Fall of XXXX. For some reason, and we believe it is the fault of Equifax, my credit and his credit are being reported under the same person. The report shows that he and I are aliases for one another, however neither of us have ever used each other 's name as an alias. We have spent hours trying to correct this, and we have tried at least two different times each to correct this over the last 12 years. The company simply does nothing. I am trying to buy a house and I can not because his mortgage and car loans appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
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:
I would like to get some inquiries removed from my equifax report. I contacted Equifax they told me I would need to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

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 2023-01-05
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Capital One that I was pre-approved for. I've had a long term banking relationship with Capital One since I have an Auto Loan with them for over 4 years. Yet when I applied for a Capital One XXXX Card I applied for, I was discriminated against by them. After being targeted as I've felt was denied because they were unable to somehow verify my address even though I have an already existing auto loan with the company. After countless times of sending them my California ID and Utility Bills with my address on it they couldn't discriminatorily it felt verify my information. 

They are okay with my paying for a high interest auto loan, but someone not okay with giving me a pre-approved credit card due to the fact they weren't unable to verify my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
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: Investigation took more than 30 days

Complaint:
I am filing the complaint against XXXX, XXXX, Transunion because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

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 2018-11-08
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. (XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on CFCB about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified Adjustments, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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  account number XXXX has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy.

15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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 Account # XXXX XXXX has violated my rights by reporting fraudulent payment history. I would like the account to be removed from my credit report immediately. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account as an individual charge-off. According to the FCRA, I would like the account to be removed from my credit report 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 2022-01-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was fraudulently opened with TD Bank without my authorization using my personal information. I called the bank and reported the fraud. They said they would investigate it and issue a letter to me about the account and close it. They have done neither, as i still get statements in the mail. I have written to them to advise of the fraud and asked them to close the account. I received a new bank statement as of the day i write this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
As of : XX/XX/2022, when I got my Destiny MasterCard, through : FS Genesis Cardholder Services , Inc., they haven't changed the First Name on my Destiny MasterCard, to : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I currently have 19 inquiries reporting on my credit report on TransUnion that are without a firm line of credit. I have circle all 19 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting 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 explanation
Consumer complaint received 2021-06-10
Company: SLM CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( XXXX, transuNION AND XXXX ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.

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 2019-06-05
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I submitted a dispute/validation letter to XXXX XXXX XXXX a.k.a XXXX XXXX which was received by XXXX XXXX via certified mail on XX/XX/XXXX. 

XXXX XXXX XXXX a.k.a XXXX XXXX failed to respond to my validation request and further sold the unverified, invalidated account to Commonwealth Financial Solutions. 

XX/XX/XXXX I spoke with a XXXX XXXX who identified herself as a supervisor. I asked Ms. XXXX how, or when did Commonwealth Financial contacted me regarding the debt her agency has posted to my credit profile. Ms XXXX stated prior to my phone call of XX/XX/XXXX, no effort to communicate the debt was made, rather, the only effort was to past the derogatory information to all credit bureaus. 

I further asked Ms. XXXX when was the debt sold to Commonwealth Financial Solutions by XXXX XXXX. Ms. XXXX stated the debt was received " in-house '' XX/XX/XXXX, processed XX/XX/XXXX, and from the information reported on my credit profile, they submitted the derogatory information XX/XX/XXXX. 

I further asked Ms. XXXX if she was aware that I had submitted via certified mail a letter to XXXX XXXX XXXX a.k.a XXXX XXXX requesting validation of the account two ( 2 ) years prior, to which I did not receive a response from Ms. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submit two {$3000.00} payments for principal reduction on XX/XX/2019 & XX/XX/2019 through my bank electronic payment/bill pay. I called the company/Freedom Mortgage twice in XX/XX/XXXX after the XX/XX/XXXX and XX/XX/XXXX statements failed to reflect the reduced principal amount on our account. I also went on-line to check on the status today, and the company still did not reflect the actual date of the principal reduction payment received nor apply the payments toward the principal. This has been an on-going issue whenever we make extra payments toward the principal during the last 24 months period. The company cashier department made all attempted to applied payment to a later date or refused to apply payments toward the principals even when the checks are clearly stated with principal reduction payment purpose only.

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 2021-01-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. I also informed in my letter that I was impacted by the Equifax Data Breach ; and may have got into the wrong hands. I have not received a response yet. The Law states that a failure to investigate these items within 30 days items must be removed immediately. It has been well over 45 days and I demand that these inaccurate items be removed/deleted immediately, or I will file litigation.

Company response to consumer: Closed with explanation