BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a follow-up to a previously submitted complaint ( Complaint ID : XXXX ) that was closed based on the response provided by Capital One. Since XX/XX/2022, Capital One has restricted my checking and savings accounts, holding the funds, based on a claim of suspicious activity that they were allegedly investigating. Since receiving communication in the form of an email on XX/XX/2022 regarding these actions, I have been unsuccessfully attempting to contact Capital One, including the Customer Protection Resolution team I was referred to. During this time period I have continued to receive paper statements from the bank showing the available balance on the accounts as if the funds were available while the online portal shows that the accounts are restricted and the funds can not be accessed. 
I filed the above referenced complaint in XX/XX/2022 and Capital One responded on XX/XX/2022 with a letter citing the account disclosures agreed upon at the time of account opening ( which XXXX obviously aware and familiar with ) and claiming that their records confirmed transaction activity that goes against the terms and conditions which resulted on a restriction being placed on the account on XX/XX/2022 with an investigation into the account. They also indicated that the account was part of an ongoing investigation but a decision was made to terminate the relationship and that once the investigation was over they would mail any funds owed to me via check to the mailing address on file. The letter included a phone number and available times to contact the sender for additional information which I have unsuccessfully attempted at various time intervals within the timeframe provided. I have left voice mail messages at the number provided since early XXXX when I received the letter and for over two months have yet to receive a callback. The letter was submitted as a response to my initial complaint and was signed by XXXX, on behalf of Capital One. 
I am submitting a second formal complaint against Capital One for this matter as they have violated my rights as a consumer and should be held accountable for providing valid and complete information on this matter. Attached are the communications I received from Capital One including the letter they submitted to close the initial complaint filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Account information incorrect

Complaint:
CREDIT IS NOT REPORTING ACCURATELY. MULTIPLE CREDIT AGENCIES ARE REPORTING INACCURATE CREDIT REPORTS ON MY ACCOUNT. I SHOULD NOT HAVE A BALANCE WITH ANY COLLECTION AGENCY. XXXX XXXX XXXX IS UNLAWFULLY REPORTING DEROGATORY REMARKS ON MY CONSUMER CREDIT REPORT. PLEASE HELP ME OUT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: TN
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 : # 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 can not 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 2023-07-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Account has violated my rights. 

15 USC 1681 Section 602 States that I have a 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 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXXXXXX XXXX is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: FL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXXXXXX credit card way back in XXXX card closed charge off paid that bill now XXXX bought a debt that was already solved and or someone else using it claiming to be me I'm not paying someone else who's claiming it my debt I wasn't even in the states during this time.i want that XXXX XXXXXXXX XXXX card off my report credit limit was only XXXX bucks this isn't my debt and this isn't right that wasn't me.wheres justice for me this isn't right.i want this 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 2023-07-25
Company: EQUIFAX, INC.
State: NJ
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:
I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-10-21
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognized please delete. This cards. I dont. Recognized delete this from my credit history please

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 2023-01-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Advertised lounge access does not work at the lounge. card advises free XXXX checked bags with XXXX XXXX but we still got charged for bags. Card declines randomly. Customer service is outsourced and are no help.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

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 2023-03-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist Bank, my mortgage servicer, is supposed to pay my homeowner 's insurance policy premium out of my escrow account to my insurance carrier, XXXX. However Truist keeps putting a 'stop payment ' on the checks before XXXX can cash them. My insurance policy has now been cancelled due to non-payment. 

First check issued by Truist : Bulk check number XXXX dated XX/XX/2023 for a total amount of {$530000.00}. This check was for XXXX individual payments. XXXX could not cash this check due to 'stop payment ' by Truist XXXX 

Second check issued by Truist : Bulk check number XXXX dated XX/XX/2023 for a total amount of {>= $1,000,000}. This check was for XXXX individual payments. XXXX could not cash this check due to 'stop payment ' by Truist XXXX 

Third check issued by Truist : Bulk check number XXXX dated XXXX XXXX for a total amount of {$270000.00}. This check has not yet been cashed.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$1100.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$230.00}

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 2023-07-25
Company: EQUIFAX, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 2022-10-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account ending XXXX and account ending 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 also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2023-07-25
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$240.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$12000.00} XXXX XXXXXX/XX/XXXX Balance {$370.00} Inaccurate data and identity thief that should be removed from all three of my credit report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Cash app has a pending transaction for XXXX. Its been in there since the XXXX. They asked Me to have the hotel send a letter and receipt showing XXXX balance on order For them to release the funds. I did that. And they still have not released the funds. No explanation and wont reply to my messages. The ironic thing is XXXX weeks ago. I had the same issue and they re-funded the money with no problems and this is the exact same scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had a Chase business complete checking account with Chase that was closed last year. The account number was XXXX. I filed a claim to dispute an ACH payment that was made from that account. On XX/XX/2022 an ACH payment of {$35000.00} was made to XXXX XXXX XXXX to their Chase account number XXXX. The XXXX ID is XXXX. This company was a fraudulent company and has scammed me out of this and more money and never fulfilled the services at all for the {$35000.00}. I filed a fraud report with the FTC and California Attorney General and they informed me to contact Chase Bank immediately to help recover my money since it was sent through Chase ACH. I have lots of additional documentation of this company scamming me and others out of money. They have not responded to 20 plus attempts to communicate and rectify this situation, including XXXX  complaints and demand letters. This company has defrauded large amounts of individuals and the FTC and CA Attorney General are both aware and have stated that Chase could assist me in reversing this transaction. 
However, when i contacted Chase to open a claim I was told that they couldn't help me and to contact the merchant. Are you kidding me? Obviously I have already done this and they are not going to return it. The company 's account is with Chase Bank and Chase should be more than capable of taking this money back from their account with all the documentation I can show them. The FTC stated that they could do this but apparently they just want to turn a cold shoulder and allow their customers to be scammed and defrauded. Please do better for your clients Chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I reviewed my consumer report and noticed inaccurate personal information reporting. I contacted Trans Union via certified mail including verifying documents to update my report with accurate information. On XX/XX/XXXX I received a copy of my attached report, reflecting the same initial information with no changes to my report. 

Report Number : XXXX Certified Mail Receipt Number : 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 2023-03-27
Company: ENOVA INTERNATIONAL, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am having an issue with Headway Capital. I obtained a line of credit through them in XXXX of XXXX, and since then, in addition to using the email I authorized them to use, they have been sharing confidential financial information with an email I never authorized them to utilize, which is linked to a former employer and now competitor of mine. These emails are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made multiple phone calls and have been assured multiple times that this mistake would be corrected, but to date, no corrective action has been taken on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 can not 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 response to consumer: Closed with explanation