BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/23 at XXXX I received a text alert from capital one asking whether I tried to make a purchase at XXXX XXXX XXXX XXXXXXXX for {$1400.00}, and to text back yes or no to protect my account. At XXXX and within 4 minutes, I texted back no, and that I did not recognize the charge. in the interim, capital one allowed the charge to go through without waiting for my reply. that is, they asked if I had authorized the charge/purchase, and before waiting for a reply, they approved the purchase rather than declining the purchase. I called capital one and immediately cancelled my card indicating that I had not made such charges and ordered a new card. I notified capital one that I had not lost my card, it was not stolen, and that I was in possession of my card. I called the merchant and the merchant indicated that yes someone with " my card '' had made the purchase and had just left the store not too long ago. in fact, they had the person on their surveillance camera. It was an XXXX XXXX male. I am XXXX XXXX XXXX. Capital one conducted a fraud investigation and determined that I was responsible for the charges because it was an in-person purchase with a card with a chip, and that I never reported my card being lost or stolen. capital one is insisting that I am responsible for these charges. Had I lied and told capital one that my card was lost or stolen, then I would not be responsible for these charges. That's outrageous! I have since cancelled my entire account and am in the process of filing a formal police report for the incident to be investigated. I asked capital one to provide me with the details and results of their investigation, and they indicated that they do not provide the results of a fraud investigation to their customers. This entire incident is completely outrageous and unacceptable on numerous levels. Please, can you assist me with resolving this issue? Please feel free to call me at XXXX. LESSON LEARNED : IF THERE ARE UNAUTHORIZED CHARGES ON YOUR CREDIE CARD AND YOU HAVE THE CARD IN YOUR POSESSION, TELL THE CREDIT CARD COMAPNY THAT YOUR CARD WAS STOLEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX Has violated my rights. 
15USC 1681 Section 602A. StatesI have the right to privacy.

15 USC 1681 Section 604A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section.

States : No consumer reporting agency may make any consumer report containing any of the following items of information. Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: NY
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:
Since, XXXX, I have made an effort to pay off my debt, before then I was able to get a credit card with a debt of XXXX and many missed payments prior and a low end job. Now, I cleared my debt in XXXX of either XXXX or XXXX. I even had a higher paying job in XXXX of XXXX making over XXXX in addition to child support thats roughly XXXX for over a year. However, I was unable to get a credit card. I haven't been able to get 1 since XXXX. Now, I recieved my score and experian claim its in the XXXX 's. There's no way possible when my debt is only XXXX dallors I have supposedly 10 late payments, some to which include payments in XXXX. Which should be deleted. I'm tired what of what Istrongly believe is bias and discrimination. 

Last 4 digits of Social # XXXX, the option below is not working

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 2023-03-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Open : XX/XX/1999 Balance : {$620000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$690.00} Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00} This is a formal complaint against all three credit bureaus, XXXX, TransUnion, and XXXX. I have tried to resolve this by sending a dispute letter to the three bureaus and directly to the third-party collector and creditors but until now I couldn't get a proper resolution to this problem. I was asking for validation of these two accounts to make sure they are both reporting the account 100 % accurately in my credit report because I do see that they are reporting these two accounts inconsistently in all three bureaus. As a result, my score has been affected negatively. Months have passed and I still see the inaccurate reporting of this account. The date of last activity and the date open for instance.. They are are ll reporting on a separate which is very confusing.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute the accounts on my credit report that I believe are inaccurate, incomplete, or unverifiable. I demand that these accounts be removed immediately. Upon reviewing my credit report, I noticed that the bureau reported the following accounts : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. I want to remind you that under the Fair Credit Reporting Act ( FCRA ), you must provide enough information to verify these debts. However, I noticed that you did not provide enough information to do so. Therefore, I demand that you remove these accounts from my credit report. I already submitted a dispute to XXXX regarding this issue, and they have already removed these accounts from their records. They found that the information provided by the creditor was not enough to verify these debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NV
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 did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-03-12
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recieved a variety of bills via mail from both XXXX XXXX XXXX ( {$5200.00} ) and XXXX ( {$120.00} ) in early XXXX for lines that were opened under my name without my permission or knowledge. I immediately filed fraud reports with XXXX XXXX XXXX and XXXX, a police report ( NYPD ), credit bureau alerts, and an FTC identity theft report. 

No one from XXXX XXXX XXXX or XXXX responded to my online fraud submissions- even though both confirmation emails said they would be in touch within ( 5 ) business days. I was unable to reach anyone who could assist via phone at either company after multiple attempts. I was always directed to a line that was automated and sent me to the website to submit a report. 

I then started to recieve collections notices - XXXX XXXX XXXX XXXX via XXXX XXXX ( XX/XX/22 ) and XXXX via Convergant ( XX/XX/22 ). These owed amounts should have never been sent to collections as they were fraudulent, and I reported them so. Negligence by the telecom companies to acknowledge my written documentation of fraudulent activity and to pass it off to collections agency. 

Convergant ( XXXX fraud charges collection agency ) never acknowledged my confirmation that the charges were fraudulent ( XX/XX/22 ). My XXXXredit score took a major hit ( over 100 points ), bringing it from near perfect to " fair ''.

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 2023-10-16
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This promissory note has been discharged and this company refuse to remove from credit report, a 1099c has been sent from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
I have written XXXX, XXXX, Experian 3x disputing the incorrect and fraudulent information on my credit accounts. Begging for the Burden or Proof. The bureaus have sent letters and emails denying my claims of incorrect reporting, inaccurate reporting and identity theft. Stating the the reporting companies certify that these INQUIRIES, missed payments, late payments, and or collections accounts are mine. I have yet to be provided with documentation or verifiable proof that these negative accounts belong to me. I feel that due to my race the bureaus are targeting my credit profile to keep my scores low and my ability to prosper from good credit from happening. 
I have challenged their accuracy in reporting using 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Ive also challenged their collections errors and late payment errors using 15 U.S. Code 1681s2 ( b )

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 2022-02-24
Company: DFC Global Corp.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On Monday XX/XX/XXXX I downloaded the money Mart app which is owned by money Mart and the check cashing store. I downloaded this app onto my phone. I followed the steps and registered as I have never registered or used this check cashing companies app before. The app asked me to provide a debit card or bank account that it could send My payment once this check was cashed. I chose a debit card that is supported and was accepted and approved by the money Mart. You have two options you can add a debit card or you could add your bank routing and account number I did not and have not provided any banking account or routing number for payment. After taking about 3 hours because there was issues with this app it's all the steps took the photos sign the check that everything I was supposed to finally the check was approved in the company said that they cashed the check and sent the payment to the checking account on file. Which is first I thought was odd because I never added a checking account just a debit card. This company sent my money to an account that was not mine. I tried contacting their customer service and every time you would get through the reception was so bad on their ends it seemed like they honestly purposely had loud sounding things like traffic horns honking the sound sounded like it was in a complete loop honestly could tell it was fake. I got a hold of this company 's escalation department and was told I'd be transferred here and there every time they would transfer me the phone call with drop or they would just hang up. I cashed a check for {$360.00} I believe this company stole My money and keep giving me bull XXXX excuses and the runaround about giving me my money back. I've never dealt with such a shady company but I still do not have my money I'm going to file complaint after complain after complaint somewhere until this company gives me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have provided USAA with all supporting documents that show the transaction never successfully completed ( unlike they said it did in their reasoning for the denial ) to my XXXX account. An XXXX representative also told me while I was on the phone with USAA representative ( on a recorded line ) that they could not help me because there is no transaction for that on my account with them for them to assist me. The error is on USAA end ( I provided them with the proof that the transaction came out they refunded it when I first disputed it and then came back 3 months later and took it back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: ID Analytics, Inc.
State: NV
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 did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
I disputed an unauthorized charged through customer service and explained that I didn't make purchase nor did I receive the product. My bank gave me a temporary credit but took it back causing my account to overdraft. I spoke with the bank regarding their decision but the representative was very rude to me and didn't want to help. Can someone please help me. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
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:
I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8400.00} ; THE XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXXXX/XX/2023.

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 2023-10-16
Company: Albert Corporation
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I sent money from my checking account via an app called Albert on XXXX, it failed on XXXX  side and it was apparently voided. Albert said theyre looking into it and it shouldnt take more than 3 business days. Its now the third business and Ive heard nothing from Albert, I called XXXX  and the nice lady sent me an email to send to Albert

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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