BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
XXXX is reporting inaccurate information I have submitted the correct information, but the continue to report what they want instead of what i sent them about me. 

addresses phone numbers names jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

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 has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be 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 non-monetary relief
Consumer complaint received 2016-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Capital One 360 checking account online on Sat, XX/XX/XXXX and deposited a check from my daughter ( who lent me the money ) on the same day. The check was cleared. Transaction posted XX/XX/XXXX ; fund available on XX/XX/2012 as it said on my account ( See " Checking Account '' attachment ). However, on XX/XX/XXXX I received email from Capital One Services 6x ( each email with only a few minutes apart ) stating " Problem with your e-mail. '' ( See " Capital One Service '' attachment ). On XXXX, Customer Security sent email to me stating my account is restricted ( See " Customer Security '' attachment ). Without the least courtesy to contact the customer, Capital One went ahead and blocked me from making ATM withdrawal. I could not order a checkbook from my account either. Yesterday, XX/XX/XXXX, I called the phone # listed in the email sent from Customer Security ( XXXX ) and also the phone # listed in my checking account ( XXXX ). I was put on hold x 30 minutes each time without receiving assistance. I tried to leave voicemail, only being told by the answering machine there was no space available to leave voicemail. 
I called the # for new customers # ( XXXX ) two times ( the second time with the management team ) only to be told that " you have to be patient, my hands are tight and I can not help you at the moment. '' Both phone # XXXX and XXXX are non-human phone # 's. I requested the customer service management person to close my checking account and return the {$300.00} back as the check was cashed, but he denied of my request. 
This is the most horrible banking experience I 've ever had within the past 24 years banking in the United States. There is no Capital One banking center close to where I am residing and I can not get to speak to a human who can help me to resolve the issue. Therefore, I 'd like to file this complaint to request the Consumer Financial Protection Bureau help me closing my checking account and getting my {$300.00} back. I also would like other readers/customers aware of the level of customer service Capital One is providing to their online customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
My Capital One account credited my credit card on the XXXX of XXXX for a payment made on the XXXX from XXXX. The payment was returned for NSF on the XXXX of XXXX, but I have been assured by XXXX that the payment went through. On the XXXX of XXXX I noticed the discrepancy. I contacted both banks and was told to wait a few more business days before the credit showed up to my account. I waited until the XXXX and nothing had been returned. I spoke with representatives from XXXX banks including Capital One 's payment investigation department. I was informed by capital one that I needed to send proof that the payment had gone through that was made from XXXX on the XXXX over fax to XXXX. That fax was sent on the XXXX. Capital one stated to me today that they had not yet received the fax. I called XXXX and had them fax the statement again and I 've been getting the run around from Capital One all day on the phone. We even had XXXX 's bank representative on a three party call and the representative confirmed that the payment made on the XXXX had been taken out of my account, but was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/ XXXX  I contacted US Bank Reliacard to update my address and have my unemployment card resent. The address that they had on file was the hotel that my family and I were staying at due to displacement. The representative informed me that my account was flagged ( by whom? ) and that I had to verify my identity via their website before they could issue an address update and new card. I did as I was advised and called back on XX/XX/2022. This representative advised that they couldnt update my address because NC XXXX had to it. I informed her of the last reps advise and asked to speak with a supervisor. XXXX was unhelpful and wouldnt pull the last call that I made on XX/XX/XXXX. I explained that my address was updated on Unemployments end but he still wouldnt help me. This bank has so many complaints about them doing this to others without authorization to do so. Now XXXX concerned that they will charge me extra fees for having funds on that card even though I never wanted to do business with them in the first place. NC XXXXXXXX XXXX wouldnt allow me to use my XXXX XXXX  account and I was forced to do business with US Bank Reliacard. Someone needs to look into these complaints and do something.

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 2022-11-12
Company: EQUIFAX, INC.
State: SC
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 XXXX. I disputed XXXX Account. XXXX is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with Equifax for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and Equifax didn't report my payment history until XXXX have received no response from Equifax regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and XXXX has my payment history starting XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a positive credit balance of {$140.00} on my American Express XXXX XXXX card. I requested that the balance be sent to me via check in late XX/XX/XXXX. After about a week, I reached out to ask if the check had been sent. I was told that yes, it had been sent. And I noticed that my balance was now XXXX. On XX/XX/XXXX I received the check, and cashed it. 

Then, a day later, I noticed that XXXX {$140.00} had been deducted from my account. I called American Express and they said that they had mistakenly sent a second check out. I told them I needed them to void that check and credit {$140.00} back to my account. 

On multiple dates in XXXX, the most recent being XX/XX/XXXX and XX/XX/XXXX, I either spoke or chatted with several AmEx XXXX  who promised me the funds would be credited back. 

They have still not been credited back. 

My credit card statement will be closing soon and I do not want to have to have to pay a balance to AmEx that I don't actually owe. 

I keep being told the issue will be resolved in XXXX business days, but it has now been almost XXXX weeks, and I keep being told to just wait. 

This seems like an unacceptable thing for me to be burdened with, especially since this is a problem that AMEx created, and which they seem to have no interest in fixing. 

Can you please help? 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. Experian has not updated my personal information after providing them with my official government drivers license and social security card which is my official identity. Any other names, address, birthdays are fraudulent. I have filed a complaint with FTC, to get Experian to report accurate personal information. Experian keep saying without verifying the name variation are tie to accounts. This is not accurate. If name variation is tie to other account is fraudulent and this is why I am requesting that Experian only use the personal information on my official drivers license. Attached is a copy of my driver license and ssn card.

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 2016-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Cash advance

Complaint:
In XXXX 2015 I contacted Capital One regarding paying off my cash advance. I was told an exact dollar amount that I would need to pay off the balance of the cash advance. I took out a loan and paid the exact amount that was needed to pay off the cash advance plus the minimum payment required in XXXX 2015. I just reviewed my statement and noticed they are still charging me a separate interest charge for the cash advance. I contacted Capital One and they said the payment was applied to my balance, not to the cash advance and they could not change how the payment was applied. I have documentation from Capital One showing the exact amount they said I needed to pay in order to pay off the cash advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: DE
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:
ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. 

FRAUD AGAIN, DO NOT HAVE MY WRITTEN CONSENT I'M PREPARINGTO TAKE THIS COMPANY TO FEDERAL COURT I WILL NOT SEND YOU ANY OF MY PERSONAL INFORMATION AGAIN!! YOU CAN SEE I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Unsolicited debt collection company called my cell phone by a private number. Did not leave number, only left a message stating that I was to be " legally '' served by original pay day lender for fraud. Then proceeded to call my sister 's cell phone number telling her that I am being sued for bounced checks from Check 'n ' Go. And that I am supposed to sign some papers by XX/XX/XXXX by a processor from XXXX XXXX in XXXX, CaXXXX There is no such company in XXXX, XXXX. Some man on the phone gives me a claim number and weird ( XXXX ) XXXX from XXXX, XXXX to call. So I am talking to someone by the name of XXXX. He proceed to tell me that I owe Check n Go XXXX plus more interest of 22 % and not the original balance of XXXX. He went on to say that if I do n't pay them that I will have my wages garnish for 1000s of dollars. And that it will appear on my public records. He then sends me an email stating that I must sign for credit card authorization to pull funds to pay down the debt of XXXX to XXXX. So, me not paying attention to my intuition. I foolishly told him my paydays and when I would be picking up my check and signs the papers back into the email. Um, I have given this third-party company my bank debt card info, they have n't withdrew any money yet from my account because there is no funds available. I have been trying to work out a payment plan with the original creditor this month so I found this pretty fishy to begin with. Anyway, I went ahead and called Check n Go and told them the problem. They told me that never sent out any legal action against me, but only sent my account to another collection agency which still had my information. They also told contact that agency who has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I had a loan of a little over {$500.00}. It was paid some time in 2011. Unfortunately I do not have the paperwork for the payment because it was made by my ex husband whom I am unable to contact. A couple of years ago, Navient started calling me saying it was never paid. They have destroyed my credit to the point I count even be added to a mortgage on my home with my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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: Problem with personal statement of dispute

Complaint:
I have reached out to all three credit burears to investigate inaccurate accounts on my credit report and they have come back " verified '' but i have yet to see a proper investigation of what iv asked for from them.Equifax, XXXX and XXXX are listing on my credit report that i have dept colletion accounts in the amount of {$4500.00}, {$9000.00}, {$4500.00}, {$2300.00} .All they have provided is the same old paperwork that i have received over and over. it states my name and address and amount i suppossedly owe. in this investigation i have requested that they send me the original binding contracts with my signature proving that i applied for theses account and i have not received my request .I know my rights as a consumer to not have my name or credit report slandered as it is and thus making it difficult to use my credit because so. The law FRCA 15 USC 1681 states that the must by law provide me the consumer with a proper investigation that is 100 % accurate. i have demanded these reports be deleted if they can not do a proper investigation and they have yet to delete then

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: AMERICAN EXPRESS COMPANY
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:
There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. AMEX, Inquiry Date XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive a letter from a debt collector and I told them it was the incorrect person. The person that owe and myself do n't have the same ssn in which they confirm. After saying they were going to address the issue I aske for something I writing which they claimed they ca n't produce. A month have passed and I received another letter about the debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened checking & savings account online with Capital One Bank ( '360 Account ' ), received approval / welcome email. Transferred {$500.00} to new checking & {$20000.00} to new savings account ( funds electronically transferred from my credit union account. 
Went to log on to new Capital One account and received message I can not log in and needed to call the provided customer service number, so I did. 
after taking 15 minutes to get to an agent, they told me I was refused a new account. I asked why and they said they could not tell me. They transferred me to 'Customer Security ' department ; same thing, refused and no reason provided. 
I requested all funds be returned to my credit union account. 
It is now 2 weeks and 6 phone calls since opening the account, I do not know why I was refused, and I still have not received my funds back. 
I will try calling them one more time then seek legal assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got 2 {$25.00} dollar Gift cards I have tried to use these cards at several stores and online and every time the card would come back as declined. I called the customer service and they told me to go to the stores I used the card at and have them take the card information out of the system and try again. The latest date is today I tried using it again online.

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 2022-11-12
Company: Paypal Holdings, Inc
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I don't hesitate to call these guys crooks because they permanently restricted my PayPal account more than 180 days ago. I tried to protest here, but they provided justifications for further restricting my ability to withdraw funds at the time, which I really needed. They promised to restrict my cash for 180 days, after which time, if no one complained about the cash, they would release the funds to me. Now that the 180 days have passed, they sent me an email informing me that my cash is now available for withdrawal, but when I log into my PayPal account and attempt to withdraw it, they permanently limit my account and prevent me from doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
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:
These accounts do no belong to me. Please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Near XX/XX/22 XXXX insurance has reported that my legitimate, approved claim for a minor scratch and dent issue with my car is a collision accident. First, I had full coverage to cover any issues. Second, this minor damage was not my fault as it was an immovable object that I could not see when I was backing out of the proprietor 's garage. No one was hurt and no damage was done to anyone or thing except my car. The damage was more than I can afford, so XXXX 's claims department advised me to go ahead and get this minor damage fixed as I had already paid for just this kind of potential event. Unbenownst to me, XXXX has reported this as a collision and now my XXXX XXXX Report and my CLUE report are showing this incorrect information which is now preventing me from being able to obtain reasonable insurance. I had no idea that this kind of report would follow me for at least 3 years. I contacted Lexis Nexis to file a complaint and correction. To this date nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my bank account at PNC branch in XXXX and was told that there was a pending transaction left that I could not close my account. The following day XXXX XXXX 2015 I was told the transaction was reversed and the account was closed. On XXXX XXXX I received a letter dated XXXX XXXX stating that my account which was closed was overdrawn. I called PNC was on hold for over an hour and transferred XXXX XXXX different people saying that PNC had reopened the account for some unknown reason. I was told that I preauthorized the transaction which I did not, was told that it was a reoccurring charge which it was not.

Company response to consumer: Closed with monetary relief