BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The following pertains to my relationship with U.S Bank. and this is an emergency. 

On or about XX/XX/XXXX, I opened up a client trust account with U.S. Bank. I already had an IOLTA and operating account open and those accounts had been opened with Union Bank in approximately XXXX of XXXX  ( prior to U.S. Bank 's acquisition of UB ). 

My client wrote a check for the purposes of opening the above described client trust account, but wrote the check for too large a sum. Apparently U.S. Bank did not verify whether the check was good. I did reasonably verify with my client that the check would fund to the best of my ability, but unfortunately my client was mistaken. It was certainly not an intentional act on his part. 

Understandably, my client 's check was returned. However, U.S. Bank then proceeded to close both my general IOLTA and operating accounts. 

I spoke with an individual -- a U.S. bank representative named " XXXX '' on XX/XX/XXXX. I was informed that the bank would not release any money until XX/XX/XXXX, and that it would take an additional 5-7 business days for me to receive that check in the mail. 

Until I receive that money, I can not take on any new business and all business expenses including court filings, legal services e.g. XXXX  must come from personal money and/or credit cards. It's going to take about 30 days to establish a new bank account due to the processes involved. 

U.S. Bank has destroyed my ability to do business for at least a month over a mistake I didn't make and seemingly through its own negligence by failing to verify a check for a large amount ( again, not a check I wrote ). I have never had a negative balance with either Union or U.S. Bank. There has never been an incidence of fraud or any other negative event involved in my dealings with any business at any time. 

Yet, without any warning -- not a single phone call or email, U.S. cut me off from being able to do business. The professional consequences to me could be extensive for myriad reasons, not to mention it is outright embarrassing ( which could have professional consequences as well ). 

Thank you for your prompt attention to this matter.

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 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion has responded to my multiple attempts of getting a bankruptcy that does not belong to me removed from my credit report. Per the attachment it states verified. I provided a letter from the court for which stated they do not share information with credit bureaus and requested PROOF that the bankruptcy belongs to me. Transunion has failed to provide proof. I am requesting documentation including my signature, ID, etc., proving the bankruptcy belongs to me. This is the ONLY bureau reporting this information and it does not belong to me.

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 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX credit accounts were overpaid and closed by myself, in mid XX/XX/XXXX, still to this date, no refunds have been received and it is now XX/XX/XXXX. 

{$30.00} and {$100.00} are owed back to me. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
COAF has ran my credit several times and it is not me. They are rude and dont have matching information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: MO
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:
I have attempted to reach a human to no avail. The current status of my FICO score is not correct. It falsely claims that I am delinquent but I have made all of my payments on time. And there is nothing on my credit report from them indicating there is a problem, so it's just them tampering with the FICO score with nothing in the report to back it up. The same thing has happened with my wife. 

This is the timeline of events : o Experian pulled my information on XX/XX/ reporting a score of XXXX 
o In XXXX XXXX XXXX, we began our child in a school that uses XXXX XXXX ( a XXXX product ) for aftercare and lunch charges. 
o We occasionally use this service that perpetually states that we are late despite my paying the school twice per month and the school stating that we have never been derelict. 
o We owe no other entity anything for any reason beyond our timely paid credit cards. 
o XXXX Experian reports that my score fell to XXXX due to Too few accounts currently paid as agreed and Lack of recent installment loan information. This same false information is in my wifes report as well. 
o Ive spoken to the school who has reiterated that I have never missed a payment. 
o I pulled my Experian Annual Report on XXXX  and there were no negative statements against me. A completely clean report that lacked the FICO score, so just checking my report would not have indicated there was a problem. I only know because my credit card informs me of the score in my bill. So we are at a loss as to why this group has damaged our FICO scores.

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed these accounts that dont belong to me in XXXX of XXXX  and i was looking at my credit report today XX/XX/XXXX and i saw the accounts that dont belong to me dating back to XXXX  are still on my credit report. I did not do it and i didnt benefit from it. Please block and delete these accounts that i never signed up for. this is causing me to not have a place to live. i am currently living in a shelter waiting to get this resolved. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have a Bank of America Credit Card and it has been fine to use, however recently I got an email that a savings account i " applied '' for was approved, but I did not apply for one. 

Now, I can not continue to use my primary checking account at another institution to pay the BoA Credit Card bill, it seems I have to use the savings account i did not ask for. 

Its frustrating, and I may try to transfer my balance to another bank to clear it from BoA and be done on that side.

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 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear CFPB, I have been dealing with Capital One Shopping and they are refusing to respond right now and providing no way to contact them. They directed me via their browser extension from XXXX to XXXX claiming that they would give me a discount off of XXXX higher price to help me save significantly below XXXX price and are now refusing to even respond and acknowledge their extension was activated and recorded the transaction that would give me the discount despite the fact that I have documented screenshots and invoices proving otherwise. Their website does not show any record of a pending or fulfilled reward and they are ignoring my emails, website contact form submissions and even XXXX messages to their company site. I even tried reaching their parent company the bank Capital One and after hours of effort the company reps said there was no one they could pass me onto and that I should just email them ( which as I said I already did! ). Basically they are absolving themselves of any responsibility even though they openly admit to being the same company. 

I have now lost about {$70.00} and many hours of effort. And even their rewards system would have been a retailer gift card so I now regret this entire purchase and need some help reaching them and getting recompensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: MO
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:
As soon as I saw that my XXXX card not only delayed its reporting to the bureaus but that my FICO SCORE was damaged due to the high balance that generated after my statement closed being reported as my statement balance I filed a complaint and finished details to experian. The person on the dispute DID NOT is non-compliant. My experian report now reflects an even higher balance. MY XXXX CARD STATEMENT BALANCE SHOULD BE XXXX DOLLARS. I wouldn't recommend anyone who values their credit rating and score to entertain a XXXX rewards credit 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 2022-07-29
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my updated 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXXBalance Owed : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've been writing Transunion, XXXX and XXXX since XXXX, XXXX, XXXX, and XXXX and none of them responded to my letters. I'm doing this process right now to see further results of my disputes concerning those inaccurate accounts that they've put into 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 non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Countless of Soft inquires is on my credit report as a result of Identity theft and the credit agencies refuse to remove 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting bureaus, all 3, are in accurately reporting on credit checks when I was purchasing my house in 2022, last year, between the months of XXXX through XXXX. 

I had a pre-qualifying checks pulled in XXXX, XXXX, XXXX and again in XXXX. The credit agencys are reporting these individually which is affecting my score. 

Multiple inquiries from different lenders are typically counted as only a single inquiry as long as theyre made within the same 14 to 45 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: FREEDOM FINANCIAL NETWORK
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Hi I had a problem with freedom debt relief I been calling them a lot each keep saying we gon na call you back but never call back this is the problem they made settlement for me for credit card and than I give them money but they doesn't pay four payments to my credit card and than I received a letter from my credit card said need another settlement because you missed 4 payments i said its not my fault its freedom debt relief fault they took my money from the bank they doesn't pay the four payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-11-12
Company: WELLS FARGO & COMPANY
State: VA
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 have multiple inquiries on my credit that I didnt authorize

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was checking my credit report and noticed some hard inquiries that are not mine

Company response to consumer: In progress
Consumer complaint received 2023-11-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor 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 explanation
Consumer complaint received 2022-12-06
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:
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, XXXXXXXX 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 ; 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