BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 received a copy of my credit report from XXXX. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please remove this inquires listed below from my account : * Capital One -- XXXX XXXX * Capital One -- XX/XX/ I, also, received a letter stating that I applied for a XXXX on XX/XX/. I checked my credit and it shows that I have an inquiry on my XXXX report. Please remove the follow inquiry from my XXXX credit report : * Capital One -- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: SYNCHRONY FINANCIAL
State: CO
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:
I have made a payment on my credit card of {$850.00} by using my account at a large retail bank. The credit card company has acknowledged my payment and has emailed me to tell me it has posted to my account. However the credit card company is not releasing the corresponding credit. In other words they have my money but theyre not allowing me to use it.

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 2023-07-27
Company: EQUIFAX, 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 am writing to bring your immediate attention to multiple errors on my credit report, which I addressed in writing on XX/XX/XXXX. 

Despite submitting my complaints directly to all three credit bureaus, I have not received any updates or confirmation of receipt. Additionally, I noticed that there is no dispute verbiage on the items I am disputing, which is not only a violation of the law, but now adversely affecting my good name and reputation. 

I am deeply concerned about the violation of my rights in this matter. I kindly demand a prompt and thorough investigation into the errors on my credit report and a swift resolution to rectify the inaccuracies. 

I urge you to take this matter seriously and prioritize its resolution, as it directly impacts my financial standing and personal well-being. Your immediate attention and action are greatly appreciated. 

Please inform me of the steps being taken to address these issues as soon as possible. I look forward to a positive and timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
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:
On my XXXX, Experian and XXXX XXXX credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-24
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I ordered a few things from XXXX and had to get a refund for something I had a certain amount in my account I received my refund today the XXXX XXXX the last time I used my card was the XXXX which brought my account to another amount I have not used my card at all and my refund disappeared out of nowhere I have a family and bills I want my money and I'm going to uninstall that app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I've had problems with the merger of SunTrust and bb & t banks... The bank is truist bank...

Truist bank has giving me such a hard time especially be an up and coming new small business...

Truist made it difficult for me to open an account stating it was verifying my address... Which is the address on my state id. the address I'm registered to live at as a felon in the state of Florida...

Then I was pre approved for a line of credit and loans which I completed application for through the mobile banking ... Then I go into the branch to get everything settled and they say I was denied and gave me no reason to why ... Then I go through and start my business anyway and during the scouting for positions in my small business I used surepay payroll a service provided by contract with truist... They made about 6 direct deposits for my payroll but then the last one they said they don't wan na provide payroll for my company and they won't tell me why...

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 2023-08-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-26
Company: EAST WEST BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I made a check to my logistics company with amount {$54000.00}, and then they cashed it on XXXX. But on XX/XX/XXXX, this check was cashed again, it was someone I don't even know. 
I found this fraud at XX/XX/XXXX afternoon, which was Sunday. So I called to my bank immediately, they told me I have to contact my branch manager. And I did, but he was not able to respond my call or message. And I reported this case to local police the next Monday XX/XX/XXXX. 
This forgery check has exact the same check number and amount, but the bank still let it cashed. And the bank asked me to reach my branch manager when I found this fraud, but the branch manager was not respond me at the time. So I do believe bank should be responsible for this fraud. 
When I requested the bank to reimburse the fraud amount, they refused and told me it was not their fault, they don't take responsibility for that. 
My bank is East West Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Their investigation did not fix an error on your report

Complaint:
You are reporting the incorrect collection agency for account XXXX. You are reporting the debt buyer as XXXX XXXX  when the correct agency is XXXX. I have already settled this account with them, and I will attach the bill of sale showing that XXXX does not own this account. The account number is also different than the account number that XXXX is reporting while XXXX has already removed this account due to its inaccuracy. The balance information is also different than the balance I have with the original creditor. Remove this inaccurate information from my consumer report immediately. Attached is the bill of sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called in today to file a dispute and spoke with a rude representative who got an attitude because I asked where I can send supporting documents in regards to the claim I was trying to file. As I explained that US Bank has a consistent issue with not providing any request for information before making a decision on a dispute claim ; I wanted to make sure I provided the information as best they can review the matter and complaint in full. She then came back to the line with a nasty attitude and immediately gave me a name to email the documents to. She started to give me the name as I asked her to wait while I grabbed a pen as she literally did not give me any warning or heads up that she was going to be providing me any information I would have to take down as soon as she felt the need to just blurt it out. As she gave me the name of the representative she did not offer any spelling at all and this name could have been spelled several different ways so for me to sit here and have to inquire as to how to spell a name for a formal legal dispute process which are within my rights under the account contract I have with US Bank in itself is a hassle as well as the federal and state rights I have to file this type of dispute. After giving me the email the agent was still extremely rude. She did not even tell me if a provisional credit would be issued, when it would or would not be issued, nor any estimated time frame on the dispute process she very quickly went into dismissing and ending the call. So now my concern is that why was this the process with previous complaints as to providing such said information and why is it not the process now as well as is this information just not going to provided to me versus being provided to other customers it poses several civil and federal class protections as to why this agent so choose to purposely neglect to provide this information as if US Bank already decided on the matter and thought the formalities were irrelevant.

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 2022-10-23
Company: EQUIFAX, 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:
NOT MY ACCOUNT, NOT AN AUTHORIZED USER {$1800.00} XXXX XXXX  XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1000.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$590.00} Highest Balance {$1800.00} Monthly Payment {$94.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX {$1500.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1100.00} Keeping your credit usage below XXXX XXXX  will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$480.00} Highest Balance {$1600.00} Monthly Payment {$110.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am again reporting Experian for continuing to report false information without validating the information they receive.

Although I have sent several pieces of documentation to Experian over and over and time again, they continue to allow these companys to insert inaccurate information into my credit file which violated the FCRA guidelines.

I recently submitted a complaint in which Experian came back and responded that " The disputed account information has been permanently blocked at your request, or the accounts do not appear on your credit report at this time. '' The accounts in question were : XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with Experian and reinserted under a different name to XXXX . 

XXXX XXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name. 
BOTH ACCOUNTS ARE REPORTING AS PENDING ... .NOT DELETED AS REPORTED TO CFPB In addition to that Experian has reinserted two old accounts : XXXX XXXX XXXX XXXX ( TWO ACCOUNTS ) back onto my credit report after I have submitted documentation showing that these loans were in deferment at the time they are reporting late payments. INSTEAD of updating with the corrected information, they reinserted with the same FALSE reporting -- -which violated FCRA guidelines. 

Experian also reinserted incorrect addresses and names which I have repeatedly informed them were incorrect or non existent : Addresses : XXXX XXXX XXXX XXXX, XXXX TX XXXX ( reinserted ) XXXX XXXX XXXX, XXXX TX XXXX ( non existent ) Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX This is ridiculous that I have to continually fight with this credit bureau because they will not do their due diligence and properly investigate and validate the accuracy of these accounts and my 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 non-monetary relief
Consumer complaint received 2018-05-17
Company: Dynamic Recovery Solutions, LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls started on XX/XX/XXXX. I stated that I did not want to be contacted. This is a utility bill that was placed in my name by a family member in XX/XX/XXXX. I have stated multiple times that I can not pay it and I can not file charges against my family member. They left the property in XX/XX/XXXX but, they never cancelled services and the landlord did not change it until XX/XX/XXXX. I tried to dispute this with the original debtor and they refused to work with me and stated that I would just have to deal with it. This new debt collections company has begun calling me again and demanding payment. I asked the first gentleman to stop calling me and hung up. Ever since, I have received missed calls on both my work cell phone and my personal cell phone. I have answered and received dead noise or another person on the line. I have again repeated and asked them to stop contacting me. I have since emailed them with copies of the missed calls as well as my call records and asked them to stop contacting me. They have never sent me anything in the mail. They have never confirmed any debts and have been unable to provide me with any sort of break down of the charges. Only continue to tell me that I am responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was helping my daughter sublet her apartment in XXXX Colorado. We were contacted by a woman, XXXX XXXX, who signed the lease and sent my daughter a check for the amount of {$4100.00} to cover the cost of the security deposit and all the furniture in the apartment. 
On XX/XX/2022 the check was deposited into my daughters account. 
We waited for the check to clear before I sent the woman back {$1500.00} dollars because she said she needed it for the move. We were so relieved to get rid of the apartment and all the furniture that I figured I'd help her out. My daughter was sure the check cleared because she saw the amount posted in her account. This however was a mistake on my daughter 's part ; She did not realize that under the amount she was looking at, in small print it said AVAILABLE BALANCE, which did not include the {$4100.00}. 
She's a XXXX XXXX XXXX college student and has never had a bank account so I have to forgive the mistake. She told me the check cleared and I believed her, I sent XXXX XXXX the {$1500.00} from MY Huntington Bank account via XXXX to help my daughter sublet this apartment she no longer wanted. She was in a very frail state of mind because the living situation there was not working out and she just just wanted to go back to University XXXXXXXX XXXX  dorms. The woman had signed the lease already, never did I think things would end this way. The entire situation was a scam, my daughter is devastated and I am in such disbelief. We contacted Huntington Bank who to be completely honest wasn't that helpful and filed a police report. The detective told us to file a claim here. 
Please help me recover my {$1500.00} but more importantly show my daughter that there is justice in this world, this entire situation has pushed her further into her XXXX and XXXX. She has withdrawn from school and has come home. Meanwhile, I am still paying her rent on top of the {$1500.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It seems that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX upon checking it. Again, this is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, kindly block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please see the list of erroneous items found on my credit report : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$770.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; MEDICAL XXXX Balance : {$84.00} ; MEDICAL XXXX Balance : {$84.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX

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 2022-10-27
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates :XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation