BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Complaint # XXXX I XXXX XXXX have disputed this charge with the Merchant ( XXXX XXXX ) yet My credit card company has not assisted me in being restored/ made whole. 
I have repeateadly informed the merchant that the furniture I ordered was supposed to be grey and it arrived beige/taupe. The merchant challenged my vision and intelligence by say that the color is grey. I posted on social media and everyone with vision agreed that the color wasnt grey. I sent pictures to the vendor and to Capital One yet my credit card company stated pictures were not enough evidence that the color was incorrect! How do we as humans realize the difference in color if not by vision.

Im overwhelmed with the total disregard for my satisfaction as a consumer.

Per the demand of Capital One I went to 2 furniture stores to request a letter regarding the furniture both stores responded in summary they had no vested interest in writing a letter anyone can see that the color isnt grey and I didnt make the purchase at their store. 
I sent emails between me and the merchant that states I ordered grey but thats not enough evidence for Capital One. 
I purchased this furniture with my Capital One card {$7200.00} with a false sense of security that Capital One would stand behind any and all of my purchases. I have been an Exemplary cardholder yet I feel as if Im being disregarded. Im stuck with beige furniture when I purchased grey carpet, and even had an accent wall painted grey as I waited for my grey furniture to arrive. 
When will the consumer matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the night of XX/XX/2023 customer XXXX XXXX attempted to make a cash withdraw at the XXXX  XXXX XXXX ATM close to his home. Customer inserted his card, entered the appropriate PIN, and followed the ATM prompts in an attempt to withdraw {$500.00} dollars for an upcoming trip to visit his parents. During this first transaction XXXX XXXX receives a text from his First Citizens XXXX institution stating " Free First Citizens Security Alert : Declined Transaction for card XXXX used at XXXX XXXX XXXX XXXX - XXXX for {$500.00}. Was this you? Reply YES or NO. Reply STOP to XXXX XXXX. '' to which XXXX XXXX responded " Yes ''. XXXX XXXX then received a follow-up message from XXXX XXXX XXXX XXXX No further action is needed. ". XXXX XXXX then circled around the ATM and came back attempting to make a XXXX withdraw. To which was " declined ''. XXXX XXXX then called to attempt to resolve the issue with First Citizens only to be given an automated recording stating the bank is closed and to call back " during normal business hours ''. XXXX XXXX then attempted to use a XXXX debit card linked to his business account which was also " declined ''. XXXX XXXX attempted to change the amount to $ XXXX {$200.00} both of which were also " declined ''. XXXX XXXX has ample funds in all accounts to far exceed the $ XXXX $ XXXX {$200.00} dollars in which he was attempting to withdraw. Due to this banking business practice ALL of XXXX XXXX 's debit cards tied to this financial institution had been frozen and he was unable to make/use any cards to access his fund. Not only was XXXX XXXX unable to access the {$500.00} he needed/desired but he was also unable to proceed with his trip to his parents due to his accounts being locked and no method in which the customer was able to resolve the issue. This is unacceptable for any banking institution to block a customers access to their own funds. XXXX XXXX has filed a formal complaint with First Citizens bank and will be consulting an attorney to seek legal advice. XXXX XXXX want 's to be very clear that the funds in his account belong to HIM and not the financial institution that he entrust to hold his funds. XXXX XXXX was informed that the ATM withdraw limit was {$500.00} dollars and that the {$3.00} ATM fee ( which is not included in the cash withdrawn ) would put him over the {$500.00} dollar limit allowed. This banking " service fee '' is debited from the customers account and not part of the {$500.00}. SO again, if the cash withdraw limit is {$500.00} dollars then consumers should be allowed to actually withdraw the {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 Re : overpayment and BSI refusal to refund or apply to my account - loan XXXX Hello CFPB, I have been waiting on a refund for an overpayment that was taken without authorization last month on XX/XX/2022. I have spoken with several representatives at BSI ( Servis One ) and they all promise to follow up but do not. No monies have been received to date. All that happens are empty promises. 

I am very disappointed with the awful service from BSI and am desperately in need of your help. 

I have repeatedly called and spoke to several reps to no avail. The check was mailed on XX/XX/2022, yet we never received it. It should be mailed to my mailing address : XXXX XXXX XXXX XXXX CA XXXX. Of note, I cancelled the auto draft and they took it anyway. 

This is by far the worst experience I have ever had with a financial institution. 

I have also filed several complaints via phone and via email to the company directly. 


I appreciate any and all assistance in this matter XXXX XXXX XXXX no. XXXX XXXX Prop address : XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: WA
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:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 ( cfpb ). ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately. Experian data furnisher is XXXX XXXX. XXXX XXXX sent a letter stating that there is NO verifiable Bankruptcy on its data file and removed. They also initiated several disputes trying to communicate to Experian, yet Experian failed to respond to any of them their dispute request. The letter clearly states as such and it indicates that Experian is literally ignoring the information forwarded by its only data furnisher. Experian uses NO other data furnisher, and it clearly states that on their report. 

I demand that Experian send any and all physical documentation from the court and not merely state verification by a 3rd party as this is not in compliance of the law. 

Failing to do so is damaging my creditworthiness and reputation.

Company response to consumer: In progress
Consumer complaint received 2023-08-26
Company: Genesis FS Card Services, Inc.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my account after i enrolled in credit protection. was unable to make payment due to hardship and they assured me that my account would not be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: GA
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 # XXXX has 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 2022-12-29
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2023-11-30
Company: CITIBANK, N.A.
State: CO
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 used to live at an apartment house, address XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. I moved out of there in XXXX of XXXX. A CBNA Wayfair credit card was opened in my name from a person living at this address in XXXX of XXXX. It showed up in my credit report so I called them to report it as fraud in XXXX of XXXX. They dropped the case in XXXX of XXXX and sent all correspondence to the old address. Citbank seems to take no reponsibility for issuing a credit card to a complete stranger in my name. I need this removed from my credit report and history and they will not cooperate.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: DC
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:
15 U.S.C 1681 section A States that I have the right to privacy.

15 U.S.C 1681 section A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and On my credit report XXXX has XXXX XXXX as the original lender and XXXX XXXX Experian hasXXXX XXXX XXXXXXXX XXXX XXXX as the original lender. 
XXXX XXXX XXXX as different dates for last activity 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 2022-08-22
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. This is my NUMEROUS attempt to dispute the information in my credit file which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-10-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 am a victim of identity theft. The information listed in the attached documents, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I have reach out to Equifax and have sent them a letter pertaining to my issue, however no changes have been made to my credit profile.

Company response to consumer: In progress
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: SC
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:
Disputing information on my credit reports with Experian, XXXX and XXXX i have sent in an FTC report, police report and a letter. I have contacted all creditors in this matter and these fraudently items need to be deleted asap because i was disputing these fraudently items on my credit reports for a year now. 

XXXX XXXX date open XX/XX/XXXX {$850.00} sent police report and ftc report and contacted creditor. 

XXXX XXXX date open XX/XX/XXXX {$700.00} XXXX XXXX date open XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$30000.00} XXXX XXXX open XX/XX/XXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX open XX/XX/XXXX {$1300.00} sent in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for {$640.00} sent in police report and ftc report to credit bureau and contacted creditor.

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 2020-04-16
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
DATE XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX NC XXXX Previous address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Wyoming Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have included proof of my current address, and proof of my social security number for your review. I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance.

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 2023-11-13
Company: EQUIFAX, INC.
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax is reporting wrong information on my credit report as they are saying I was late but I was never late!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stallings Financial ( STALLINGS FINANCIAL GR XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX has reported a debt in the amount of {$2400.00} in which I have no knowledge of, as I have never done business with them. 

Please have them validate this debt with a signed contract they have between me and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a discover card credit card for years. Never delinquent with payments. Used the card last Saturday at 2 places. The next day could not use it, not accepted. Called discover transferred to identify dept. They will not tell me what this is about and want me to allow them to access my IRS tax return. Called corporate office and they were not helpful and had no explanation

Company response to consumer: Closed with explanation