BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: SYNCHRONY FINANCIAL
State: NY
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 CFPB I am in the process of disputing two items on my most recent XXXX credit report. Per their instructions, I am reaching out to you to start a identity theft report. 

I have a Hard Credit Inquiry from : SYNCB/AMAZON XXXX XXXX XXXX XXXX GA XXXX XXXX Requested on XX/XX/2022 I also noted this item under Inquiry Analysis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX on XX/XX/2022 I did not request any credit inquiry in relation to Amazon. I also do not have any connection to or have ever lived at XXXX XXXX XXXX XXXX, NY. 

I contacted Amazon service department, and they have no record of a credit request on my personal account. Per XXXX instructions I have requested a 'letter of deletion ' from Amazon . I have not heard back from them yet. 

XXXX requires and identify theft report in order to start the process of removing these items. 

Note this hard inquiry does not appear on my XXXX report Please let me know if you need any other information from me to get this issue resolved Thanks, 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 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a savings account ending in XXXX. In XXXX of this year, I was incentivized to bring additional {$50000.00} to my savings account by XXXX by XX/XX/2022 and keep it through XX/XX/2022. I agreed and I brought requested additional XXXX to my savings account making the total balance of over {$54000.00}. At this point, the interest rate on my savings account became important. CapitalOne Bank is now paying XXXX XXXX for its saving account. It is the only saving account product offered by the CapitalOne Bank. 

Imagine my astonishment and disappointment when I looked at my bank statement to find that my savings account is credited with a XXXX XXXX interest instead of XXXX XXXX causing me a loss of {$250.00} over the next XXXX days for the amount exceeding {$54000.00}. I immediately called the Bank and asked the account manager to adjust the interest to what CapitalOne Bank advertised. I was told that my account is coded as XXXX account and the account with the higher interest rate of XXXX XXXX  is coded as XXXX XXXX. I was further advised that all saving account product like mine were phase out long time ago and no longer offered by the CapitalOne Bank. The only savings account offered by CapitalOne Bank XXXX XXXX XXXX with the interest rate of XXXX XXXX I asked to grandfather my saving account so it would uniformly pay market rate that Capital Bank is offering. Capital One has failed and refused to accommodate my request causing me an economic loss of {$250.00} or {$2.00} a day at interest rate of XXXX XXXX for XXXX days days from XX/XX/2022 to XX/XX/2022. 

I discussed this matter with XXXX XXXX, a CapitalOne Bank representative who responded to my internal complaint to the bank. She confirmed that the same incentive was available to any saving account, including Performance Savings but refused to change my savings account to Performance Savings so my savings account could start earning the market rate currently offered by Capital One Bank. Further, she sent me a letter stating that I chose to have an inferior saving account because it better suited me. I have never chosen an inferior bank product. It is insulting and is a falsehood communicated to a consumer with the intention to mislead or deceive. No consumer will knowingly chose an inferior product, but for direct misrepresentations and outright deceptive practices of the financial institution as represented to me by XXXX XXXX XXXX please see letter attached ). Further, XXXX XXXX misrepresented her contact information, her provided phone number, XXXXXXXX XXXX XXXXXXXX, is not in service. This make this complaint a necessity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent {$400.00} on XX/XX/XXXX To the wrong person. Captial one refuses to give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent over my dispute for all of the impermissible information on my credit report that have been collected and resent inaccurate. There are many violations that have been placed in my first dispute and my response to the investigation. I did file a fraud report being as though I had been robbed 4 times of a huge total, but separate times from my accounts. 

My advisors suggest that I Iock my accounts with the credit unions while the investigations are being looked over. Which I locked by phone or on-line. I have been going through all my information provided in the investigation and my concern is the report was not addressed in the beginning. I was a sent an investigation report from a third party of TransUnion that reported more items than I received when I pulled my report. Multiple claims after my filing was on my report from years of inaccurate information, such as collections, addresses, phone numbers, employment history, both review and regular inquiries, etc, things not associated with me. There are accounts I've never seen before and I see multiples access to my account from the same credit department without my consent which is a violation to the FCRA, 609 stipulations, and several 15 USC Laws. These impermissible violations has made the fraud situation more stressful than I anticipated it to be. I feel extremely XXXX in more was then one with this credit union.

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 2022-08-22
Company: Nationwide Recovery Systems, Ltd
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: Account information incorrect

Complaint:
The two derogatory accounts that show up on my credit report is actually one and it was paid in full to XXXX. There is not any money owed. Account was paid in full years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Accounts listed 
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



, 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 cannot furnish a account without my written instructions

15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-27
Company: CITIZENS 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:
XX/XX/. This company has called me three times today and I called them back and asked them what type of debt this was or what type of company is this and they wont give me the information without verifying my name in the last four of my social. They called me several times last week and they keep calling me, but they wont tell me what kind of debt they collect. I have paid all of my debts. 

XXXX ( XXXX ) XXXX Citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Resident XXXX Apartment XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/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 2022-08-22
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was making a sale to a customer from XXXX XXXX, and he said he was going to pay me on Zelle. I received a fraudulent email saying that my account needed to be credited {$300.00} because it didn't have enough money to make the transaction. I did not know that it was fraudulent, so I made the {$300.00} payment. I never received the payment for the product and now I am out {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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:
Experian continues to list an tradeline account on my credit history stating that the account # XXXX with XXXX XXXX. I have challenged it and when Experian came back saying it as a true account I decided to Reach out to XXXX and take the issue up with them. See letter attached confirmation from XXXX that they have no account for me in their records. Still though Experian refuses to remove the tradeline in its entirety from my credit report. 

I need this report filed for record as I will be filing suit with the courts since this is not being 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 explanation
Consumer complaint received 2022-08-22
Company: Caliber Home Loans, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXX XXXX XXXX XXXX said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX XXXX  veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2022-06-23
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having issues with mt mortgage company doing their job. So, the last two payments I submitted were not applied to my mortgage. On XX/XX/XXXX, I called Flagstar Bank and spoke with XXXX to ask why my last payment wasn't applied after seeing my mortgage statement with payment recorded on statement as Unapplied. She didn't know why but she did make a request to apply the payment to my account. Today when reviewing my bank transactions, I noticed that Flagstar Bank had returned my last payment for the month of XX/XX/XXXX. I called them today at XXXX XXXX  est and spoke with XXXX. He was no help and stated that I did not pay my last mortgage payment. I explained to him that Flagstar returned my money. He was argumentative and said he could no longer speak to me after I said I was filing a federal complaint. This is two months in a row and now they just refused my last payment. What is going on at this Bank? 

I fully believe that Flagstar Bank is retaliating for me filing a federal complaint last year on XX/XX/XXXX. I am extremely upset and believe this is just another way for the bank to take my home away. I am a military veteran, currently injured, and deserve better treatment than this.

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: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX. I sent dispute letters out more than XXXX days ago and have not received any credit report updates, nor have I seen any changes to my report. I believe the information on the account with " XXXX XXXX '' to be incorrect. 

Account # : 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 2022-08-22
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX. I sent dispute letters out more than XXXX days ago and have not received any credit report updates, nor have I seen any changes to my report. I believe the information on the account with " XXXX XXXX '' to be incorrect. 

Account # : XXXX

Company response to consumer: Closed with explanation