BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
This is a XXXX complaint about attempting to redeem a certificate of deposit at Capital One. I no longer live in the Capital One footprint. My XXXX phone call I was told that they would mark my account and it would be autoredeemed. When I checked, on the maturity date, I was told that there were no notes on the account and the I would need to talk to the certificate department but I would have to call back in XXXX minutes as they are n't open. I called back and was informed that I would have to talk to the branch. I called the branch today XXXX call XXXX to redeem a CD ) and I was told that I would have to have a letter notarized and mail it to the branch. This is not an acceptable. I want the CD redeemed. I offered to fax my license to XXXX the branch. She refused. She then stated I had the " option '' of faxing the notarized letter to the branch. I again refused. How can Capital One, an international bank, not have a process in place to address customers outside of their footprint. It appears that they are holding my money hostage until I happen to travel back to the XXXX area. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit This has been Removed before and now it's been added Again. they keep trying to collect this from me and its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting that my current account status on ( XXXX ) old accounts is 120+ days past due. This is incorrect. This account was closed and tranferred in XXXX XXXX. I have disputed this info several times to ( both the XXXX and XXXX XXXX ) failed to fix this. This is severely impacting my credit.On my Experian report, they are stating that I am 120 days past due in XXXX XXXX. Again, incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i went to get an auto loan and when they ran my social security number it came back as deceased. i have all called all XXXX credit agencies and no one can seem to give me an answer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XXXX beyond 30 days and I haven't heard anything from Transunion, XXXX or XXXX   in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.

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 2022-07-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is an incorrect banking account reporting on my consumer report. Bright star is reporting a {$480.00} balance monthly on a closed account. I have disputed this inaccurate information three times with no response or validation. The debit was closed out in XXXX. I have submitted a XXXX form to get proof XXXX charged this debt off and received a write off for it. Yet they are still negatively reporting monthly on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently checked my credit report and found an account that was not my account. Upon further investigation of the matter I found that someone used my information without my consent, knowledge or authorization. I reported the incident to the FTC, local law enforcement and other agencies to protect my identity. I filled out documents required of me by law and sent the information to the consumer reporting agencies. I sent everything that I was given including report numbers and followed the instructions of the FTC. Transunion sent me a letter back with a Transunion Identity Theft Victim Assistance Affidavit requiring me to fill it out. Transunion additionally claims that the information that I sent in was missing essential personal identifiable information which is not true. I can submit the information sent to Transunion to prove that every aspect of the documents were filled out and a copy of my DL and SS card was sent. According to the FTC and the FCRA I am not required to fill out the companies form. I sent in a filled out FTC Affidavit with an FTC complaint, a report number, my DL and SS card which was required of me by law. The following account is not my account and I request that it be removed. 
XXXX XXXX XXXXis not my account.. Please remove this account from my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I spoke with XXXX XXXX and they verified that they have no record of this debt within their system. I disputed this to Experian and XXXX and they are still reporting this debt as mine, when it 's not. Please, investigate the bureaus and have them remove this debt from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: EQUIFAX, INC.
State: FL
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:
HELLO HOW ARE YOU, I AM FORGIVENESS FOR MY Desperate ANNOYMENT, BUT ALREADY CALLED ALL THESE COMPANIES TO REPORT THAT THE CONSULTATIONS IN MY CREDIT REPORT ARE INQUIRES FRAUDULENT, THE COMPANIES ASKED ME TO CALL THE CREDIT AGENCIES AND NOTIFY THIS PERIOD TO INFORM YOU THAT YOU CAN REMOVE THESE CONSULTATIONS FROM MY CREDIT REPORT AS THEY ARE FRAUDULENT CONSULTATIONS, IT IS NOT THE FIRST TIME I WRITTEN BY THIS MEDIA ALREADY HAVE BEEN TOO MANY CONSULTATIONS IN THE PAST, AND HELPED ME TO REMOVE THESE CONSULTATIONS PLEASE HELP ME ELIMINATE THE INQUIRES AND UPDATE MY CREDIT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an " adverse '' account on my credit report with XXXX Mortgage Company and a claim of delinquency starting XXXX/XXXX/2014. 

They report a delinquency on XXXX/XXXX/2014 for failure to pay a mortgage payment in the month of XXXX ; however, I provided XXXX fully executed settlement documents and the deed to my home on XXXX/XXXX/2014 ( less than 30 days from the payment due date ). Per the IRS Form XXXX they issued to me, the fair market value of the home was {$250000.00} while I only owed them {$210000.00}. 

Based on the fact the mortgage was fully satisfied on XXXX/XXXX/2014, the delinquency in XXXX should be removed from my credit report and the account status should be changed to a satisfactory account across all three credit bureaus. 

In addition, Transunion 's credit report states, " Any rating that is shaded indicates that it is considered adverse. '' The shading starts at " 30 days late '' ; therefore, Transunion should have never allowed this account to be coded as adverse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX you have a case in XX/XX/XXXX and XX/XX/XXXX as XXXX cases its the same case so XX/XX/XXXX case should be taken off the case just lasted that long so please take off my report also the case was expunged. should not even be on your report. as far as the case in XX/XX/XXXX should not even be on your report it was dropped never even got booked. please remove these criminal charges. this is preventing me from Renting a place to live. 
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 2022-10-25
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company took me to court over this debt. The debt amount is incorrect due to the fact the original creditor XXXX XXXX  was sued for not allowing its customers access to the website to pay their bills which resulted in late fees and higher interest being wrongfully charged. The company was sued in a class action lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Square Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Square has treated me with unbelievable disregard. I've complained about unauthorized charges made to my account and my emails went unanswered. They don't even have a phone number. There are no documents. There's absolutely nothing to get help from. They're extremely unaccountable and totally Indifferent and reckless with the customer 's money. This is my last attempt to get my money back or I'll have no choice but to sue them for money owed and damages. Enough is enough!!!! 

Uploaded is picture proof of their indifference and ignorance to my grievances. No phone support, no paper statement, no communication, I hate to cancel cards constantly because I was in fear that someone has my identity or account access because I've had 1000s stolen from me and they couldn't care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion recently sent me my Credit Report on XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The following inquiries were and are being disputed : XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Please note that for some of the mentioned disputes listed above have been disputed with XXXX & XXXX and removed.Transunion has not complied FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HEAD 6 LINE OF CREDITS WITH BANK OF AMERICA, AND ALWAYS PAID THEM ON TIME SINCE XXXX, ALL OF THEM WAS ON AUTOMATIC PAYMENT. IN XX/XX/XXXX I CHECKED MY CREDIT HISTORY AND WAS SURPRISED TO FIND OUT THAT BANK OF AMERICA REPORTED LATE PAYMENT ON XXXX FOR ONE OF THE 6 EQUITY LINE OF CREDITS, I CONTACTED BANK AND ASKED TO INVESTIGATE THE MATTER, STATING THAT IT IS IMPOSSIBLE, I COULD NOT HAVE A LATE PAYMENT ON 1 OF THE 6 LINE OF CREDITS BECAUSE ALL OF THEM WAS SET UP FOR AUTOMATIC PAYMENT. PLEASE HELP. THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
HELLO HOW ARE YOU, I AM FORGIVENESS FOR MY Desperate ANNOYMENT, BUT ALREADY CALLED ALL THESE COMPANIES TO REPORT THAT THE CONSULTATIONS IN MY CREDIT REPORT ARE INQUIRES FRAUDULENT, THE COMPANIES ASKED ME TO CALL THE CREDIT AGENCIES AND NOTIFY THIS PERIOD TO INFORM YOU THAT YOU CAN REMOVE THESE CONSULTATIONS FROM MY CREDIT REPORT AS THEY ARE FRAUDULENT CONSULTATIONS, IT IS NOT THE FIRST TIME I WRITTEN BY THIS MEDIA ALREADY HAVE BEEN TOO MANY CONSULTATIONS IN THE PAST, AND HELPED ME TO REMOVE THESE CONSULTATIONS PLEASE HELP ME ELIMINATE THE INQUIRES AND UPDATE MY CREDIT 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 explanation
Consumer complaint received 2017-04-10
Company: Colony Brands, 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 called them many times about fraud on my credit report and they still refuse to take those inquiries of my credit than I have an account on my credit report does n't belong to me got a letter from them ( Montgomery wards ) stating that they could not identify the account in dispute and XXXX is still not removing it from my report even I have a letter from the account stating that they can not identify the information on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is not a XXXX. 

I have tried to escalate this matter to TransUnion multiple times without success on XXXX XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XX/XX/XXXX - XXXXUSPS Certified mail - XX/XX/XXXX - XXXXXXXXI have tried bringing this to TransUnion multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and TransUnion repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for TransUnionXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXThis account showed up on my credit report on XX/XX/XXXX for a balance of {$670.00}. This current TransUnion report on XX/XX/XXXX Confirmation XXXX and XX/XX/XXXX Confirmation XXXX both states a repetitive response that TransUnion verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XX/XX/XXXX. How could there be a collection for another rental/leasing for a different amount while I was living at XXXX XXXX XXXX? I have a copy of my lease which I 'm attaching. TransUnion allege investigation only verify my name, and information which is already on my credit report provided by the collector. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XX/XX/XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Opening Experian and XXXX XXXX, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.

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 2019-12-29
Company: BB&T CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I logged in my account on XX/XX/2019 and I noticed my accounts were frozen and could not use my debit cards and I didnt get my payroll direct deposit. I also have a business account with this bank and Im not sure what is going on. Customer service did not give a reason for my accounts being closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company 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 2017-09-09
Company: EQUIFAX, INC.
State: KS
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:
Equifax grossly mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am very disappointed in Equifax 's handling and reporting of this breach. Little was done to notify anyone for nearly a month after the breach was discovered. I received no contact ( email, letter, or call ). Instead, I discovered it word of mouth and social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-07-25
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:
In the accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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 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