BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX XXXX INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account according to a promotional offer. The offer stated that after {$500.00} of direct deposit, the account was due {$200.00} bonus. I deposited {$1000.00} and had recurring direct deposit set up with my work. The bank then closed my account to avoid paying the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: OH
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 account listed on my credit report as " XXXX XXXX '' that had a balance of {$4900.00}. I disputed this account with 4 major credit bureaus. Two of the credit bureaus lowered the balance to {$4600.00} while other credit bureaus removed the account. Evidence from court records shows that the balance is {$3200.00} and that I am not the responsible party for this account. However, Experian and XXXXXXXX are reporting a fraudulent balance and information on my credit report, damaging my credit and ability to obtain financing. Experian claims that results are certified from lender. That is a fraudulent certification. The city of XXXX ( Ohio ) is a local government in the United States of America. Their records and legal ruling in the USA take precedence over any records provided by a private organization. Please see enclosed evidence which proves account status is closed, the balance is {$3200.00}, payments from XX/XX/2020 thru XX/XX/2020, and that I am NOT the responsible party. Meanwhile, the credit report shows a balance of {$4600.00}, missed payments from XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Obviously, this is a major violation of the Fair Credit Reporting Act. In order to comply with federal law, it must be removed since I am not the responsible party and the account information is not confirmed.

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 2022-09-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My business uses Heartland Payment Systems to receive credit card payments from customers purchasing insurance coverage. In this case, we received a signed application to buy insurance from a customer, were paid by XXXX for the insurance by the customer, provided the insurance, and five months later received a dispute from Heartland claiming that the customer did not acknowledge making the credit card payment for this insurance purchase. We provided detailed proof of the validity of the insurance purchase to Heartland 's Dispute Resolution team, which ultimately told us that this was an XXXX issue and XXXX refused to refund our {$18000.00} wrongfully taken. 

XXXX responded that this is solely a Heartland matter, as Heartland is the payment facilitator for this transaction, and only Heartland can resolve. Heartland refuses to take any action on this matter. Thus, we are filing this complaint against Heartland.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Greetings, I have been subscribed to Credit Karma for a few years and currently still am. My initial purpose for signing up was to use it as a tool to help me monitor my credit score, learning techniques to build my credit and to seek approval for initially a secured credit card. I recently was informed that Credit Karma was misleading subscriber and customers such as myself with the very high approval rating for many different types of credit cards. I too was unfortunately a victim of their misleading information and applied for multiple and various types of credit cards based solely on the approval rating provided by Credit Karma. I do believe that some of the current inquiries on my credit report are as a result of me applying for those cards based on that misleading information. I believe that is very wrong for them to mislead people in general but especially those of us that are trying to improve our credit. Also, the score that the provide for your current credit score with the 3 credit bureaus is also misleading. Those numbers aren't an accurate representation of the current score on people 's credit report. Mine is not accurate, which has led me to get a subscription and membership with XXXX that allows me to access my the other two credit bureaus as well. They are hurting and lying to customers, instead of truly helping us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/2020, XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information has been compromised, some entities are using my information to get services. I just get a receipt for a XXXX service that I had no knowledge of. I do not want my name to be used in obtaining a vehicle that they could filledcup with bumbs and go blow up any building.

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 2018-01-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I pulled my credit report and saw there is negative report in my credit report for delinquent payment for one of credit card Barclay Bank Delaware in amount of {$3700.00}. Attached the credit report from XXXX. I never had any card open with Barclay. I have tried to dispute it and XXXX  refused to remove it from account even though contest show my social security and my information does not match. I really need help to get it clear from my credit so I can get pre approval to purchase house.

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 2022-09-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to login into my Equifax credit report 100 times but they showed me only 1 thing that, Please give us a call we can't complete your request at this time. Please call the Customer Care team. When I submitted the Complaint to CFPB they informed me that I opened an account in Equifax credit bureau and login into my credit report and removed the security freeze and dispute inaccurate accounts from my Equifax credit report or check my credit score. 

But when I tried to login into my Equifax credit report they showed this message that we can't complete your request I can be called them when I called them they said that they need to verify me and to verify me I want to fax my copy of driver license or social security card so they made money by selling them to marketers. As like in XXXX they sell billions of people 's data online and FTC sued Equifax for $ XXXX   but after that, this fraud bureau asked to send people 's information to them by fax or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently paid my credit cards off and when doing so some of the companies lowered my credit limits I could understand if I was late but from XXXX to XXXX and XXXX to XXXX but balance is XXXX and limit went down {$110.00} and the other is completely closed now. I also had never received my XXXX card when they switched from XXXX to XXXX and when I finally did they sent one to my XXXX my brothers XXXX and who knows where else. I also changed the image on my XXXX and one got sent back to the company one came to my XXXX and the otherwent to my brothers XXXX XXXX My brother brings them to me when he comes down to XXXX but there has been a lot of weird activity and cancellations of my accounts.

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 2022-09-07
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I reported a complaint regarding Equifax to the CFPB on XX/XX/2021. It is complaint number XXXX. The CFPB contacted Equifax and they responded saying they would investigate the complaint. After several days they responded indicating a letter had been sent with the results of their investigation. It has been a month and NO LETTER HAS BEEN RECEIVED. The CFPB closed the case despite my feedback that no letter had been received. As a result, I am initiating a new complaint to request Equifax actually comply and resolve the problem and actually send the letter showing they have frozen my mother 's credit and linked her personal information with her credit history. Right now I believe Equifax has her personal information attached to someone else ' s credit file. I also believe any letter sent was sent to someone else possibly exposing my mother 's personal information to a complete stranger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2016-11-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Late fee

Complaint:
My husband got a new job and he was paid monthly at the end of the month. I started paying all our bills at the end of the month. Synchrony Financial has charged me late fees since XXXX 2016, even though I made payments and paid over the minimum payment some months. In some of the months, I made two payments, one at the first of the month for current statement and one a the end of the month for next statement. However, the second payment was not applied to the next billing statement, even though it was made after the required due date from the previous statement. I have now incurred over {$200.00} in late fees, but have been paying every month.

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 2020-10-06
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recieve unemployment from the state of Ohio. I was receiving my funds through the reliacard account assigned too me. I received the card back in XXXX and is still the original card. Not a issue with it at all. Until XX/XX/XXXX, I called customer service and they said my card was inactive due too verifying my identity. I needed too fax in 3 documents. Id.. social security number.. 2019 tax return. Confused as too why I proceed too send the said documents. Since than I've resubmitted these documents 5 times, 3 faxes, 2 mobile uploads. Finally on XX/XX/XXXX they accepted the documents and were processing them. I was told 24 to 48 hours and my card should be good. Since than nothing has changed. I called them today and was told the only update was that they were still processing them. I don't understand how they can do this or what the issue is. As a direct result too them blocking my funds I am stuck out of town and homeless. Need answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
i am closing on a house in 2 days and capital one 360 has {$100000.00} of my money and refuses to wire transfer the money to the title company or the account where funds originated. i have been trying to get this money wired out of this account for 2 day. i have spent over 10 hours on the phone, mostly on hold, with the only result being " we can not guarantee that the funds will be transferred because your account has not been open for 60 days. '' they will not even wire the money back to my personal checking account because it has not been open for 60 days. this is not in their disclosures available online. in my calculation it has been 59 days that the account has been open and they still refuse to make a work around. the only answer that i get is " those are our rules '' when pressed as to the severity of the situation and asked for a supervisor the response was send XXXX. they are the only way to escalate the problem. well i sent that address an email and it was refused. 
basically i may have lost not only {$25000.00} in earnest money but the hose that has been being built since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit cards/store cards were opened in my name and birth date with a social security number that is not mine. These accounts have been reported to  XXXX   XXXX   XXXX  in which are harming my credit. I have disputed these account 8 times and  XXXX  a long with these companies have yet to do the right thing and remove these fraudulent accounts off my credit file.

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 2021-09-24
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I sent {$600.00} using Cash App to someone. They gave me their old username in error. I requested a refund/cancellation immediately but was told it was already sent and could not be reversed. The recipient and I sent multiple emails to Cash App to figure out to grant access to the recipient to the old account or somehow merge the 2 accounts. Each time Cash App responded with this message or similar - " I do not have any new information to provide regarding this issue. Please review the information in our previous emails to understand how to move forward. '' " While Id be happy to help you with any other issue, Im unable to provide further information for this particular case. '' And the last one today stating, " We have provided as much information as possible to help you resolve your issue. Were unable to provide additional support and will be closing your case. '' I requested a phone number to call, or someone call us. Gave contact information for the recipient so it can be resolved. I asked if my money would be returned if left unclaimed for a certain period, and received no response to this question. 
They did absolutely nothing to resolve this concern for myself or the recipient.

Company response to consumer: Closed with explanation