BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This claim is regarding transactions not approved by me. I did not process these transactions and I have tried to work with both XXXX and Capital 1 bank to resolve these fraudulent transactions. 

My original claims started XX/XX/XXXX. I received notifications that fraudulent transactions were being attempted on my cards. ( see photos attached ) All together there are a total of {$6100.00} in fraudulent charges. I contacted Capital 1 on 3 different occasions. The first claim # XXXX was submitted on XX/XX/XXXX and approved in the amount of {$910.00}, during this conversation I stated that I did not approve any XXXX transactions since XX/XX/XXXX. I had to call in again to include the remaining transactions that were not originally included on XX/XX/XXXX claim ( claim # XXXX ). I called in again to dispute the remaining transactions on XX/XX/XXXX claim # XXXX. The lady that assisted me seemed confused and she did not include all the transactions I mentioned. The amount of this claim was {$2100.00} which was denied on XX/XX/XXXX. The total amount remaining to be refunded or credited due to these fraudulent transactions is {$3600.00}. Capital 1 did not do their due diligence in contacting me for additional information or backup for the transactions in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.

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 2023-04-03
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a PSLF application XX/XX/2022 and resubmitted XX/XX/2022 with all required signatures and documentation. I was told by Mohela customer service staff that I was required to consolidate all loans with Mohela to be eligible for the PSLF program. I consolidated my student loan balance and the Parent Plus loans I obtained for my children. Now that the loans are consolidated Mohela claims that I have only 6 qualifying payments though I have worked in eligible public service institutions for over 20 years and have made student loan payments that entire time. I understand that the Parent Plus loans would not have reached the eligibility milestone, but my own graduate school student loans most certainly qualify. I should be permitted to either un-consolidate or have a portion of the consolidated loans forgiven through the PSLF program. 

When I call customer service, I am given inaccurate and inconsistent information, and frequently the line is disconnected rather than transferred. When I do speak to a customer service representative, they are unable or unwilling to provide answers. Most recently I was told simply not to worry, and to wait until the federal lawsuit was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX, 2023 Marshalls XXXX XXXX company card, I did report, and I never used that card amount XXXX dollars, they start sending me bill. 
If some one used my card how come they put my information to cashier? 
Marshall customer service representative took my call and he said I am transferring my account to different account and you dont have to pay nothing, but I asked him to close my account he said ok, he did, but now they start sending me bill with late fees. Please help me.

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 monetary relief
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
This complaint involves a Bank known as XXXX XXXX. They were the original servicer of the account for my BJ 's Perks card. I noticed 3 fraudulent charges on my statement of XX/XX/XXXX. These were purchases on my account I did not make. I made XXXX XXXX  aware of this and filed a fraud complaint with them. At this point I was not aware they were in the process of being bought out by Capital ONE. They clamed they would investigate. I continiued to make on time payments for ALL legitimate charges to my account with XXXX. XXXX, after a period, I received a letter from XXXX XX/XX/XXXX that read " we can find no basis to support your claim ''. Now I start to see late fees and interest charges based on the fraudulent charges they don't recognize. They continue to assess those fees despite my asking for a full disclosure of there findings. On the statement for XXXX of XXXX I noticed 2 more fraud charges and made XXXX XXXX  aware of these additional charges. They did not respond. Instead I continued to be charged late and interest fees, this despite my paying legitimate charges ahead of time. Then their next statement indicated I owed over {$600.00} dollars. This figure did not even make sense since upon I tallying all their late fees and interest charges it was {$370.00}. In the mean time I was sent a new credit card from them on XX/XX/XXXX. I thought they are finally admitting that all those charges I complained about were indeed fraudulent Yet, they continued to assess late fees and interest fees. On XX/XX/XXXX I received a new Credit card with a New LOGO from Capital One with a letter bringing me up to speed as to there takeover of he BJ 's account. They proceeded to continue assessing fees. It was as though they were not aware of my dispute with XXXX. I sent them notice that I would not pay any of their billing and Not activate their new card or make any new transaction with BJs  or any other retailer until such time my dispute was resolved to my satisfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i contacted Early warning to remove a NSF charge which is inaccurately reporting and is keeping me from opening a new account. 

i showed proof that the charge was paid and the account is still active 2 years later after that the claim was made. 

the nsf was dated XXXX for {$570.00} for XXXX XXXX i sent them proof that not only was this charge paid but also i still maintain the account with XXXX 2 years later and many other payments have been made on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX XXXX XXXX XXXX debited $ XXXX XXXX I called my bank immediately and they told me that my account was suspected of fraud. Because the originator who made the transfer to me recovered the money. 

I immediately contacted my friend why he recovered the money and he said he did not recover my money because he was defrauded by someone else and then recovered $ XXXX XXXX I immediately called XXXX XXXX and explained why XXXX XXXX did not accept it and told me that I needed to have my friend call the bank and tell them that my money was not fraudulent. 

I asked my friend to call his bank ( XXXX XXXX ) and XXXX XXXX said it was being processed and accepted. After a week my friend asked for the result and East West Bank told us it would take 95 days to process an issue. 

Now it has been four months and East West Bank says it has not seen my money and I asked my friend to send me the debit details that XXXX XXXX mailed to me. Every time I call XXXX XXXX says they will give feedback, but four months later I have not been able to get a resolution or feedback. 

To this day, I can't get a result from XXXX XXXX, and they are not protecting my rights as a XXXX XXXX customer. The direct debit has prevented me from paying my tuition on time. I am unable to pay my rent and living expenses on time for this reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've attached documents for your review. Please initiate an investigation into accounts reporting late payments, despite my consistent on-time payments.

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 2023-12-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: In progress
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: DE
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:
I noticed I had a charge-off on my credit report that should'nt be there, because the IRS considers a charge-off as gross and ordinary income by definition, and it should be filed as taxes, and under the form 1099-C cancellation of debt ( 1 ) cancelled debt must be reported as taxable income on annual tax returns even if the issuer does'nt send a form 1099-C because the canceled debt is less than 600 dollars. Under 15 USC 1681 S2 : Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to any 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
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This information is absurd, it does not belong to me, I want all of this to be removed. 
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 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 2023-03-17
Company: EQUIFAX, INC.
State: MI
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:
My credit score is outdated by at least 3 months. I need Equifax to update my credit score and send me a free copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-03
Company: U.S. BANCORP
State: IL
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 ( FCRA ) this creditor has violated my rights with multiple accounts under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances and last payments dates which is a violation of FCRA and XXXX XXXX XXXX. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

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 2023-03-17
Company: Compass Recovery Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Compass Group called my father on his cell phone on XX/XX/2023. XXXX was her name and she said she was trying to file a garnishment for my wages and needed my phone number and address. My father did not give them my information, as it is public knowledge. The phone number she gave as a call back number is XXXX. I have not received anything by mail from Compass Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: MD
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX* Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NC
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 complaint shall be considered a follow-up to my filing of complaints dated XX/XX/XXXX, to dispute these erroneous items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/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