BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since XX/XX/2020 Capital One has decided to start holding funds of which I now have to call them and they call my Bank to verify funds and then they make a exception to release the funds even though they took them out 3-5days prior. 

Now I have been on the phone for over 2.5hrs as they once again holding funds typical garbage 2-3x week call this time they verified the funds but did not put all the funds in not even half stating they are going to hold the funds for a extended amount 30-90days to make sure no Fraud.

I am the Owner of the Card and use this for my XXXX XXXX and been charging 1-2k a month for over 6 months and now since this year specifically its been nothing but a nightmare holds, customer service is terrible as they dont understand and dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, 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:
on XX/XX/19 I submitted a dispute to Equifax regarding the XXXX XXXX XXXX account that is reporting. Equifax stated the account was valid. on XX/XX/19 I requested Equifax provide me with the details on how they validated this account. Equifax has not provided me with the details on how they validated the account. Equifax is in violation for not providing me with the information I requested. I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. So clearly this account was never validated and can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EOS Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving letters concerning a debt to original creditor XXXX XXXX XXXX XXXX. I have NEVER had a cell phone in my name. EVER. I tried to call EOS/CCA, US Asset Management to resolve this. All they did was try to phish more info out of me and demand I pay. When I asked to prove the debt, the agent said they did n't have to and when I refused to pay the {$470.00} offer in payment for a debt of {$940.00}, she hung up on me. I think they are sending out letters to try to get suckers to pay debts that are n't theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
They are refusing to follow the law. This is willful noncompliance. The FCRA clearly states the information in the credit bureaus files is the information that they store in there computer base on every consumer. The 610 ( a ) ( 1 ) [ 1681h ] identifies the proper identification required ( drivers license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. There are XXXX instances revealed in subsection ( XXXX ), ( XXXX ), whererby " accurate '' information can be removed. 1. ) if the information is outdated in Section 605. 2. ) The information can not be verified. " Verification '' is the focal point. I have attached the FCRA sections that state what I am stating as proof. I have also attached a letter from one of the hard inquiry companies that shows they requested to remove this hard inquiry by all XXXX bureaus yet Experian still reports this inquiry. If this is not corrected I will take this to civil court. In the FCRA it also addresses the legal penalties to willful noncompliance.

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 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XXXX XXXX 2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
State: OR
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:
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are XX/XX/2021 2021

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 2022-10-12
Company: BARCLAYS BANK DELAWARE
State: PR
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: Card was charged for something you did not purchase with the card

Complaint:
the dispute is with barclays bank / jetblue mastercard wants to bill us twice for a trip i took with my husband. There was an error on the original bookingh it never went thru and i never recieved confirmation email or authorized payment. I booked the same day the trip we wanted and recieved confirmation and payment was made on arrival at the hotel we were staying in we were informed that there were two reservations for rooms with another confirmation number. I then checked jetblue and they had booked 4 plane tickets and two hotel rooms to my name. As it was impossible for my husband and i to use up 4 seats on the plane and two hotel rooms when there are only two of us. I asked jetblue for proof that we had used up 4 seats and 2 hotel rooms and the only thing they sent us was proof of the 2 seats and 1 hotel room we used which i paid for.This has been going on back and forth since XXXX and i refuse to pay for a reservation that i did not authorize or use because of a computer error there system error.

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 2016-01-25
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AFNI Inc was sent a validation request under the Texas XXXX, but failed to provide the required information as required within a thirty day time period. AFNI also reported the account as dispute. It is collection agencies responsibility to cease reporting an account until proper validation requirements are met. AFNI has continued to report this account to the Credit Reporting Agencies but has not provided proper validation of the debt. Texas law provides that this account, not being properly validated within the stated timeframe should be permanently deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting an account with XXXX XXXX XXXX that should not be on my credit report. The account number is XXXX and is supposedly for a collection with XXXX in the amount of {$310.00}. 

There should be no reason why this is on my credit report and it 's strange that Experian is the only bureau reporting it. This has to be an error.

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 2016-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had attempted identity theft and had a LOT of inquiries opened under my name and ca n't get them 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 non-monetary relief
Consumer complaint received 2016-11-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
This dispute is with Experian and XXXX. Original alleged debtor is XXXX. I spoke with XXXX- they could not discuss my file or give me any information because the file was too old. I spoke with XXXX and XXXX, they would not and could not send me documentation showing that I was given notice of this debt. I had no knowledge of this until I checked credit reports. There are XXXX solid reasons- legal reasons- to remove. There is a lot more, but the agencies are not able to include all details as they are limited to number of words. This report is being done illegally, maliciously and incorrectly. It is also being reported by XXXX. Transunion removed it! As all should. I want to file charges against XXXX, Experian and XXXX and file an official complaint with the FTC and States Attorney Office.

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 2015-03-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am allowed by law to request and receive a free credit report each year from each of the XXXX credit bureaus. None of them give me any trouble accessing this information online except Experian. Each time I request my report each year it tells me that they are unable to honor my request and that I must request it by mail by sending them a copy of a government issued ID card and one copy of a utility bill, bank, or insurance statements, which if intercepted by mail, places my identity at risk. However, if I accept their membership and agree to pay a fee, they will immediately allow access to my report online instantly. I feel Experian is denying my free credit report and trying to make me pay money for something I am already legally entitied to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 I contacted XXXX services in New York to inquire about opening an account to use their internet services in my new home in XXXX. After learning that the available internet speeds on their service was not satisfactory, I informed the customer service representative I was on the phone with that I was declining service as I was not interested any longer. I proceeded to have internet service installed by another provider. In XX/XX/2019, I received a bill for internet services and for installation from XXXX despite the fact that I indicated I did not want their service during my phone call and I did NOT have any equipment installed at my home. I proceeded to contact XXXX several times over the next few months as they continued to bill me. I spoke with numerous departments and never got it resolved. I have now received debt collection notices from two different debt collection businesses working on behalf of XXXX. The first debt collection notice came in XX/XX/2019 and I sent a letter disputing the debt and did not hear from them again. I received a new notice from a new debt collection business just now regarding this same debt. I can not figure out how to get XXXX to stop seeking collection on a debt I did not incur. I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This company charged me a XXXX dollar nsf fee for a payment that was XXXX cents short. I am unemployed and waiting for my XXXX approval and to have XXXX these fees that Truist keeps charging me are keeping me from buying groceries! When I noticed the discrepancy I immediately tried to remedy it. As you can see by my attachment.

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 2022-08-04
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1 ) initial payment, paid on time, was sent back to bank. 
2 ) credit card company initially said bank requested money 3 bank denies this. 
3 ) now credit card company CAN NOT explain why they did this. 
4 ) credit card company did not notify me. 
5 ) next billing cycle they charged a late fee. 
6 ) the next day they sent me a notice of rejecting a complaint, for a lessor amount, that was not part my initial complaint. 
8 ) they insist on me waiting for 90 days to resolve this. In the meantime, they are going to continue charge a late fee. 
7 ) the decision seems to be at their discretion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a medical collection from XXXX XXXX XXXX on my Experian credit report that is unknown to me. It has only ever reported to Experian, since I discovered it. I sent an initial dispute to Experian notifying them this was not my account. Experian claimed their investigation verified the account belonged to me and if I wished to dispute the account to contact the data furnisher for additional information. I then mailed the Collection Agency ( XXXX ) a certified letter whom did not respond to my request to provide information that this medical account belonged to me. I followed up with another dispute to Experian via certified mail, notifying them that I followed their outlined procedure by requesting the information from the collection agency. In response back from Experian, they stated that the results of their investigation were updated in my file. In another attempt to further determine if this was my account I sent a certified letter to the original creditor listed and they did not accept my letter. It was returned to me. I am frustrated that this account continues to report on my report and the collection agency verifies it, but not them nor Experian has provided any information to support that it does in fact belong to me. From what I understand to report anything medically related that they would be able to provide a copy of a XXXX release showing they have the right to report this account they claim to be mine or that they have a business relationship with the original creditor, which grants them the right to disclose private medical information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX entered into a consumer transaction with WELLS FARGO and XXXX XXXX. These two organizations violated my consumer rights and Federal Law. There was a Finance Charge involving this consumer transaction which is the sum of all charges according to Truth In Lending Act. I was manipulated into making monthly payments and paying cash down for this vehicle. WELLS FARGO and XXXX XXXX did not disclose my right to rescind. This is a violation of my consumer rights.

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 2015-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is the XXXX time this credit bureau has deth. report under my name and not belong to me. At some point someone is not doing their job properly. XXXX this credit bureau do not have someone available to talk to. there is a bill for {$1.00} listed under my credit report and not belong to me. no one is available to talk with customer at this credit bureau. They provide a number where they ca n't be reached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following information on my credit report is fraudulent. I have no knowledge of these hard inquires on my report. 
1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX I will appreciate if these inquiries be remove from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. The information listed on my credit report is too vague/ not adequate information to be reported as well. 

Tax Lien -- -- {$690.00} Public Record Details Reference Number XXXX Date Filed XXXX XXXX, 2011 Date -- Status -- Amount {$690.00} Classification -- Type State

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M HAVING ISSUES GETTING MY DISPUTE PROCESSED WITH THE CREDIT BUREAUS

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