BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
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/XXXX I received a text alert from Capital One about fraudulent charges. After reviewing the charges I agreed that they were indeed fraudulent. The charges are from stores I do not shop in and for products I do not consume and appear to be part of a spree : {$8.00} at XXXX 's on XXXX {$160.00} at XXXX XXXX {$55.00} at XXXX XXXX  {$39.00} at XXXX 's XXXX {$31.00} at the XXXX XXXX Despite the fact that all of these businesses are curiously near where I live and work, I have never frequented them. This particularly strange element is what leads me to believe that this is a case of identity theft, or, that someone took my card out of my wallet while my bag was unattended, made these charges, and returned the card. 

I followed the Capital One protocol for fraudulent charges on XXXX and immediately cut up my credit card which I found still in my possesion at the time I made the complaint. Capital One removed the charges from my account within the next few days. 

Today, XX/XX/XXXX, I reviewed my statements to see that the charges were again added to my account. I immediately called Capital One assuming there was an error. I was informed that according to their investigation, a chip was used for each of these charges and unless I lost the card I must have made the purchases myself. I explained that I did not make these purchases and would like to escalate my complaint. I then spoke to two more individuals with Capital One. The last person was XXXX, ID # XXXX, a fraud account manager. She told me there was nothing they could do and there were no more people I could escalate this claim to. I told her I would be filing a police report and informing the CFPB about this conduct because its really absurd. Additionally, when I asked about the method of investigation and how they came to their determination, they would provide me no information other then that which is in a letter that will be delivered to my home. It was clear that they checked off a box and wanted nothing more to do with me. Meanwhile, I am fearful what else this perpetrator has done with my information and have no idea how this even happened. I also don't have access to my card number because I cut up the card at issue and my app only has the new card number on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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. 
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 vears.

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 explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went through a company that asked to run a credit check for me. When I asked would this be a hard pull I opt out and didn't authorize them to run my credit. They not only ran my credit without my permission, but under other companies as well and it keeps happening month after month. And XXXX inqiuries show up for accounts I never applied for 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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Sent XXXX XXXXXXXX XXXX, Transunion, XXXX and XXXX a letter to have my account checked for audit and accuracy. XXXX XXXXXXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has been an absolute nightmare. First we are holding for extremely long times on the phone to even speak with a customer service agent. Every time I speak with one my husband and I get a very different story. Several agents have even stated that they don't know what is going on with our account. This company continues to take funds from our bank account in error and then take 8-9 days to put it back. We have been dealing with then since they purchased our account from another Mortgage Company. We have never been late or had issues until Freedom Mortgage took our account. We have spoken with several agents and they are are listed here forth : XXXX - XXXX XXXX on XX/XX/21. Requested out funds of {$1900.00} to be returned to our account immediately because we paid the payment by phone on XX/XX/21 and then they turned around and took an auto-draft, XXXX. This was after we cancelled auto-draft. Then even though we can see both payments Freedom states they have to wait to see it it clears or not. We have since spoken with XXXX XXXX, on XX/XX/21 and then XXXX XXXX on XX/XX/21 and then XXXX XXXX on XX/XX/21 and XXXX the XXXX XXXX on XX/XX/21 @ XXXX, only for him to tell us the funds went to the incorrect account. How does that happen? You take the money from an account via XXXX and then when they put them back they go to the wrong account. They actually stated the last number of our account was changed from a 6 ( six ) to a three ( 3 ). as of yesterday we spoke with XXXX XXXX and he stated the funds were returned and auto-draft cancelled. Now today XX/XX/21 they have once again removed monies from our account. I don't understand how they can continue to lie, and steal. I need some help getting them to do the right thing. This company had a class action lawsuit again them and they should not be allowed to do business anymore. We didn't choose them, they bought our loan and now we are stuck.

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 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Dear Sir/Mam, XXXX BofA_Help Tried to cash a check that my husband wrote me today, because he didn't have time to go get the cash himself and I was at the bank XXXXXXXX XXXX sharp so I didn't have to wait in line... .... I get there and this teller ask for my normal identification and handed him the check. Then he says it will cost {$8.00} to cash. SO I said fine. 

Teller goes to the back for about 5 minutes and then comes back and tells me that he can not cash the check because I don't have a working relationship with Bank of America. I tried to insist and tell the teller that the check was written by my husband who has a business account with Bank of America. He continued to say I don't have working relationship with BOA so they can not cash the check. When I tried to insist he then raised his voice and repeated the same thing. 

As I got up the chair leaving, I tried to tell the teller this is why I do not bank with BOA particularly this location @ XXXX XXXX XXXX XXXX XXXX, WA XXXX. Not only that you give poor services and being discriminatory towards me especially the Manager. 
I even mentioned to them that similar incidents happen last month when I was there to open an account. 

Left the bank upset that and called my husband to take some time off so he can go and get some cash for me... ..He is now taking extra time off just to go get cash!!! 

I am definitely going to tell and convince my husband to cancel his account with Bank of America... and also filing a complaint with the XXXX  and Consumer Financial Protection Bureau. 

I am complaining today here because I had the same issue last month and I even tried to file similar complaint, and wrote the longest letter of my life to a person name XXXX XXXX, never heard from her. She has a pic online, but who knows if she is really an actual person. 

Now I am here complaining because I think that the people working at this location, not only are discriminatory but also giving poor services toward new customers Every time I go to this bank all I get is grief and frustration... I hope to never deal with them again. 

I am complaining here because I would like this particular location that not every one can be treated poorly as they did to me. 

Sincerely, XXXX XXXX P : 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 2023-02-16
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I submitted a dispute to Experian Credit Bureau via telephone regarding a medical debt with XXXX that is reporting on my credit report. I cited the No Surprise Act as my reason for disputing the debt. I had a car accident in 2021, as a result I had an attorney to reach out to all my medical providers for my bills to get them paid. I am assuming that this may be one of those providers since it is within that timeframe, but I can not be sure. Several providers did not respond to my attorney 's notice for requesting my bills. Again, I am not sure if this is one of the aforementioned providers, but regardless if is is one or not, I was unaware of this bill existing and I did not receive any notification from this company about owing this payment. I realized recently how I had a right to dispute it. I did this with Experian but they did not remove this debt from my report. I need this debt removed immediately because they did not inform me about it prior to putting it on my report. If this is a provider from my car accident in 2021 they should have responded to my attorney 's request to submit their bills for payment, which apparently they did not do. Please assist with this manner as soon as possible.

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 2022-03-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My daughter and I bought a used XXXX XXXX and financed it through XXXX XXXX XXXX. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Assured Financial LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from an alleged debt collection company, Assured Collections in XXXX, XXXX. The letter fraudulently alleges that they were attempting to collect a debt owed to " XXXX XXXX Supplies '', in the amount of {$5900.00}. 

I have never heard of " XXXX XXXX XXXX  ', nor have I ever received any products, services, equipment from them and this is a fraudulent claim. 

I do not want to actually CALL either Assured Collections, XXXX, or XXXX XXXX XXXX since this is a matter of fraud or identity theft, and I do not want them to have access to my phone number.

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 2022-10-21
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was approved and took out a Secured Discover Credit Card in XX/XX/2022, and provided a security deposit of {$2500.00}. Discover clearly advertises that security deposits will be returned after 6 months on-time payments across all credit accounts, and sent monthly reminders indicating my progress toward this goal, indicating that deposits are typically returned in 2-3 business days after meeting the 6 month requirement. 

In XXXX, I was notified that I had successfully met all requirements and would be receiving my deposit back. However, at that time, Discover began to stonewall the process of returning the funds as agreed. 

I was told that a check had been sent that never arrived. A customer service representative then told me that a replacement check would be sent, but this was never processed. I was then told that an ACH deposit would be made, only to have a supervisor later inform me that Discover does not have the " capacity '' to return deposits using ACH. 

Further attempts to escalate or expedite the return of the funds were flatly rejected. 

Discover is in obvious breach of its own cardholder agreement and written promises, yet I have no recourse to hold them accountable and have them return my funds, and I seek assistance from the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: OK
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 XXXX XXXX XXXX Account # XXXX, XXXX. XXXX Account # 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 do not recall ever having this account/ Identity Theft

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 2023-03-29
Company: JPMORGAN CHASE & CO.
State: NY
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 am writing on dispute a fraudulent charge on my debit account in the amount of XXXX XXXX__. I am a victim of identity theft, and I did not make this charge I am requested my chase bank that the charge should be removed or the debit reinstated, that any finance and other charges related to the fraudulent amount be credited to my account and that I receive a corrected statement. 
I spoke to 3 supervisor but they put me under pressure since I suffer from XXXX from my XXXX I can not remember everything they denied my claim and theyre not cooperating with me all the age and taking advantage of my mental health issue to cover their bank not to pay me. I am seeking for help. 

Thank you! 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: AR
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the last 5 months they are posting my payments XXXX XXXX to XXXX weeks after I have paid them so I occur a late fee!!! 
I have attached the examples : On XX/XX/XXXX my balance was XXXX due XX/XX/XXXX I paid XXXX on XX/XX/XXXX They never rcvd and posted it on XX/XX/XXXX statement, thus I was charged a late fee plus interest. 
On XX/XX/XXXX my balance is now XXXX with added late fee and interest. I call and they said they will refund me late fee so all I owed was an additional XXXX, though it didn't make sense I paid that amount. 
On XX/XX/XXXX my balance is XXXX with a refunded late fee and a new late fee charge and now it's XXXX. I made a payment XXXX on XX/XX/XXXX it was due on XX/XX/XXXX... again they posted XX/XX/XXXX. They called me and I then paid an additional XXXX. Called them again to try and resolve this because I bought 1 item for XXXX in XX/XX/XXXX. 
I asked them what is my final balance on XX/XX/XXXX they said XXXX which i gave them over the phone and I told them to close my account. 
well that posted late and my balance is XXXX. 
All I am doing is paying late fees and interest!!!! I can never get ahead!! 
Please Help me!!!!! It is not reasonable to post payments so late so that I incur this late fee every month. I don't PAY LATE!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: FL
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:
To whom It may concern I was looking at my XXXX app one day and noticed some inquiries that I never authorized nor did I give anyone the the authorization to open these account in my name. I first call the companies that I seen on my credit report and ask them who tried to apply for these account in my name? and did they open these accounts? they told me that they will send me something in the mail I then reach out to the credit bureau over 60 days ago and still have not heard anything back from any of them I reach out to XXXX, Equifax and XXXX on XX/XX/XXXX and then on XX/XX/XXXX I sent another letter ask them to please respond and still nothing and before the letters I sent on XX/XX/XXXX I tried XXXX attempts before that.at this point I feel like I am being ignored and look pass I really would like to know what's going on here. and I would like these unauthorized inquiries removed from my credit report. the inquiries are as follow XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXXXX - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: World Acceptance Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX I have World Finance on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. World Finance keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof

Company response to consumer: Closed with explanation