BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE AUTO FINANCE is reporting negative and harmful information to XXXX XXXX XXXX as well as violating laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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:
I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor BK OF AMER XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}

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 explanation
Consumer complaint received 2022-11-11
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on or about XX/XX/2022 saw my credit report for the first time and saw this company on the XXXX report stating that i owe them {$570.00} when i wrote to them asking for validation of the debt i never got a response they never sent me anything im not sure if this is a scam or not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Synovus Bank
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a customer at XXXX, A Division of Synovus Bank up until XX/XX/2016 at XXXX. I came in to XXXX to close my bank account with XXXX XXXX. I was owed {$100.00} and change. I was only given {$91.00} in cash. My debit card was turned off and the chip card that was sent out to me was never sent. I was mailed a {$5.00} check. Because my bank debit card was canceled, I could not deposit the {$5.00} Synovus check. I came into XXXX Bank with the XXXX dollar Check and presented the {$5.00} check to XXXX XXXX. She said I could not cash it because My bank account was closed when it was really open. as of today, the date is XX/XX/2016, Tuesday. I had to sign a second bank account closing document and was told to sign a third document to receive my {$4.00}. I called customer service and was stonewalled by the representative with false excuses. I asked to speak to her supervisor. The representative pretended that I did not specify to speak to her supervisor but, the Branch manager at XXXX. She understood me but faked that she did not understand. The Supervisor refused to talk to me. The representative wanted my number for the supervisor to call me later. I asked to speak to a XXXX and was denied. I was placed on a long hold 4 times ; and a supervisor named XXXX rushed me off the call saying she did not know why I wanted to talk to them when I am in the XXXX Bank and They can fix it since the issue is with them. XXXX said she cant make the XXXX Give me the {$5.00} they owe Me. I was lied to by call center representatives saying my bank account was closed then other representatives apologized and said my account was closed, then again other representatives said my account was Open when they were right and my Account was open for usage to cash my {$5.00} check, and to use for other things but my debit card was turned off so, I was not allowed to use my account. The way I was treated was Illegal, Unethical, disrespectful, And Cruel. Synovus and XXXX, Have terrible customer service to wait until I come into the bank the next year to close my account but continues to send my Bank Statements saying I have {$4.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2016-08-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This credit card debt charged off back in XXXX/XXXX/XXXX. I was taken to court XXXX/XXXX/XXXX. I could not pay. I was repeatedly taken back to court XX/XX/XXXX and XX/XX/XXXX. In which I still could not pay However in XXXX a garnishment was ordered I appeared back in court XXXX/XXXX/XXXX and an order of exemption was granted. All of these times the creditor did not appear in court for anything. From the time from XXXX XXXX up until XXXX XXXX I had not heard anything from the creditor. I received an order to garnish my wages XX/XX/XXXX. I appeared in court yet again XXXX/XXXX/XXXX. Creditor was contacted by judge and failed to answer or call back nor did they appear. I was granted an exemption. A judgement was placed against me in XX/XX/XXXX. The Statute for this kind of debt is 5 years and as It has been well over 14 years and makes it time-barred. They continue to take me to court or threaten to take me to court. They never show up but they ask for all my information. For ten years I heard nothing from them. I have worked for the same company for well over that time. The debt was never renewed I never promised to pay. I have appeared every time in court. This debt is too old to be collected on anymore. I asked that it be dismissed. They stop harassing me by threatening to take me or taking me to court. I have sent a letter to cease and desist on trying to collect on the debt because of how old it is. As of XXXX/XXXX/XXXX as they have threatened to take me to court again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have informed MIDLAND CREDIT MANAGEMENT INC that the account that they are trying to collect on is an act of fraud I have filed a police report and submitted it to the original creditor also filed out a FTC AFFIDAVIT I have advised midland I know 15 times it is against the FCRA LAW TO COLLECT ON A FRAUD ACCOUNT. I HAVE ALSO ASKED THEM TO NOT CONTACT ME DUE TO THE FACT THAT THEY ARE HARASSING IF IT DO NOT STOP I WILL PRESS CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Every time I try to login to TransUnion website it tells me ... your " login has been suspended ''. 

This happens EVERY SINGLE TIME. There is nothing wrong with my username and password. Everything is current and correct with my username and password. Even when I call TransUnion they give me a song and dance about their website. They offer no apologies about the difficult of access my free report through their website. 

I haven't received an updated report since XX/XX/2022. A LOT has changed now, I just tried once again to access my information on XX/XX/2022 at XXXX XXXX XXXX XXXX It tells me that my " account has been suspended ''. 

I am very angry now. I don't have time for this. AND I don't have time to CALL Trans Union every time I need my updated and complete credit report. 

PLEASE MAIL TO ME my COMPLETE AND FULL CONSUMER CREDIT FILE ASAP! 

Thank You 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 2016-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Please refer to Case number : XXXX. On XXXX XXXX 2016 I submitted the application to open the account and also deposited {$1500.00}. It took too much time to get this account open and getting the online access. Now I am seeing that almost after more than 5-6 weeks - they ( hsbc ) are reflecting as if they received the money just on XXXX/XXXX/2016. So where this money was for more than 5 weeks? Why HSBC should not pay interest to me as it 's all the delays from their side? either they should give interest rates from the day they got it or be efficient in terms of opening the account. Another problem is that all their process is very cumbersome and complex - not even folks like me whoa are just XXXX yrs old and in XXXX can follow it - others wo n't be able to do anything also ... .moreover customer service of HSBC is terrible ... yesterday i called ... it seems the call went to XXXX with so much back ground noise ... i said please keep the phone on mute ... i was told please bear with us ... we ca n't help ... that 's the overall standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ 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 2020-06-20
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is exactly the error I got when trying to connect my PNC account via XXXX to XXXX XXXX XXXX XXXX : " PNC PNC has made a change that prevents you from being able to link your accounts. 
File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. You can alert PNC that you need access to your financial data by filing a complaint with the CFPB. '' And below the text there is a link to this form. 

I am almost 100 % positive I have successfully used XXXX to link my PNC account to other services before - in fact I know it's worked, but there's always been a disclaimer text at the bottom claiming there are some ongoing issues with connecting this bank. So I am not sure if the issue is isolated, worse for some and nonexistent for others, or what's going on. If you could forward this info to PNC I think it would be beneficial for everybody involved. They are a good bank. 


One last thig : everything on PNC 's end actually would seem to be fine, as right when that message prompts instructing me to contact your organization, I get an email from PNC, every time without fail. It says this : " On XX/XX/20, PNC Bank received a request to link one or  more of your PNC Bank account ( s ) to an online or mobile financial service. 
If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking. 
Call us at XXXX to report unauthorized activity. 
This alert was sent for user ID ending in *****XXXX. 

Thank you for banking with PNC Bank. '' I have definitely gotten the same message from the same PNC automated system before when the connection thru XXXX  worked just fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 





XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$1600.00}

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 explanation
Consumer complaint received 2022-11-11
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:
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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation