BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 am submitting this claim regarding the XXXX XXXX credit card account ending in XXXX I have with Capital One in regards to the excessive amount of incorrect past due fees, increasing the credit balance thus have been incorrectly reported to the credit bureaus : XXXX, XXXX, XXXX, and XXXX XXXX XXXX. 

The following past due fees were assured to be removed by a supervisor I spoke with in XXXX of XXXX, since the Capital One dashboard would not let me add any type of payment card to make payment on-time : XXXX {$39.00} XXXX {$39.00} XXXX {$39.00} XX/XX/XXXX {$39.00} Total amount of late fees that were assured by Capital One to be removed : {$150.00} Capital One has not removed these late fees of {$150.00} and have incorrectly reported two missed payments to XXXX in addition to reporting the wrong balance of {$510.00}, causing my card to exceed the {$500.00} limit. 

Therefore, I would like the past due fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX removed from my account, making my total credit balance- {$350.00}. I came to this calculation by deducting the past due fees of {$150.00} from the current incorrect balance of {$500.00}. 
I would also like the interest expense adjusted accordingly. 

I have been trying to resolve this issue for months, each time I am referred to a different Capital One representative who assures me this issue will be resolve and I should see this reflected on my credit report within a few business days. 

Capital One has affected my ability to obtain new credit and has tarnished my personal and business credit reputation on the basis of incorrect information. 

I would like this issue resolved immediately as I feel this is very unfair as Capital One is at fault. 
Additionally, I have called Capital One on several occasions to switch credit card types-from the Capital One XXXX XXXX Card to the Capital One XXXX XXXX  XXXX Credit Card. Every time I call making this request, I am given the broad answer of " Unfortunately we can not switch your card at this time, because the system will not allow us too '', which does not provide a reasonable explanation to the hard inquiries ran on my credit report and I do not receive any additional information, including by mail, on the reason I could not switch my credit card type. 

Doing business with Capital One, personally or as a business has been very inconvenient and frustrating to say the least. I hope to shed light on this situation, so others can avoid similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX : Family of XXXX XXXX Trustee of the Social Security Cestui que XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Chief XXXX XXXX of Corporation TD BANK USA NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Account ending in XXXX Company 's Response : We sent an update to the credit bureaus and the attached letter, with copy of prior response ( enclosures omitted ), was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : Im writing to confirm weve received the second complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) about how the above-referenced Nordstrom credit card account is reporting to the credit bureaus. Thanks for bringing your concerns to our attention and giving us the opportunity to respond. As shared in our XX/XX/XXXX, letter response to the initial complaint you submitted, we did find that the account was reporting inaccurately to the three major credit bureaus ( XXXX, XXXX and XXXX ), and have corrected this by requesting that the credit bureaus update their reporting to reflect that the account was paid in full and charged off as of XX/XX/XXXX. Please note that our request to the credit bureaus was made XX/XX/XXXX, and this update could take up to 30 days to process. Weve enclosed a copy of our response to your previous complaint for your reference. Should you have any questions, dont hesitate in reaching out to us at XXXX. 

This account needs a XXXX adjustment/Deletion of account from XXXX ( XXXX, XXXX and XXXX ) XXXX You have inaccurately reported and laid false claim against my name. This needs to be deleted as requested as you did not address this in my last complaint. This needs to be addressed still. When you respond address this issue and only this issue. On top of you negligently reporting incorrectly you have also reported on something that you have claimed a loss on and therefore needs to be deleted. You are not permitted to report or continue to report if you have claimed this amount as a tax write off as a loss. You have been paid.Not only have you been paid, but you are also requesting more money and double dipping on the money you received. XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX states that all debt public and private are paid for. There is no debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
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:
I am XXXX XXXX didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.

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 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one joint checking. I had POA, and joint ownership of the acct. My Mom was in XXXX. I swept cash from XXXX XXXX into the acct in question. Then began moving it out and the actions were deemed fraudulent. I called to resolve the issue yesterday to no avail. Today I'm informed the bank has ceased business with me and locked the funds. My Mom died on XX/XX/XXXX and XXXX cant access the account nor close it. I am XXXX of XXXX designee and her heir per the XXXX. The bank is unhelpful, with further steps or actions to resolve the issue. I will have certified XXXX Certificates in the next couple weeks. I want to close the account and move the funds elsewhere. I have private care bills, pending income tax, and other business to resolve post death.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received notice of a collection posted to my credit report in the amount of {$290.00} from Credit Service Company INC. Having never heard of this company and not knowing of any new credit card or line of credit, I reached out to XXXX for assistance. They researched and found it was originally for XXXX XXXX XXXX XXXX for a service date of XX/XX/XXXX in their XXXX XXXXXXXX location I know of XXXX XXXX XXXX as they have an office in my hometown but I have not seen them nor have I seen a bill from them at any time. I was also not contacted by Credit Service Company.. The result of the conference call between XXXX, Credit Service Company, and me was that XXXX would file a dispute and investigate on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 reportsno consent is fraud. 

XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Got a XXXX dollar check on the XXXX, deposited it. Got a notification everything was fine, deposit went through, and after they processed it, they froze the account. I called they told me they had to verify with the account holder of the check, that was fine, I get it. However, after calling their fraud department twice, the first time they told me it was too late to fix it, and they second time they were unable to call her. apparently they can not verify people with some cellphone carriers, in this case its cricket. She called her bank, then she called capital one and they said we just had to be on the phone together. I then tried to call both their numbers, the fraud and customer service number and they blocked my phone. I have contacted the attorney general, filed a complaint with the state of Michigan. I am trying to buy a house and this might cause me to lose that option. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my grandson opened a new accct at Chase Bank and deposited a XXXX check that I had given him for his high school graduation. Chase processed my check and pulled the XXXX from my checking account at XXXX XXXX ( money was pulled from my acct on XX/XX/XXXX ). Shortly after that my grandson went to use his acct and it had been closed for no reason. Chase could give him no reason for this but now they are saying that the reason was because of the check I gave him ... the federal reserve gave a negative response???? I have contacted the Federal Reserve personally and they say this is not true! They will not release the money to my grandson saying they need me to verify the check however they refuse to contact me or my bank... So basically Chase Bank is holding my XXXX and XXXX dollars that was given to him from my inlaws and refusing to release it. I was give this CFPB info from the Federal Reserve. They felt like you could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: ERC
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: Report provided to employer without your written authorization

Complaint:
In accordance with Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec 602 states, I have a right to privacy. Under 15 USC 1681 sec 604 section 2, states that a consumer agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, 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:
Im a victim of identity theft theres 3 inquiries on my credit report that doesnt belong to me and for some reason its not being removed the company names are. XXXX, the next one is Equifax MTG and also XXXX XXXX. I have never requested any credit from those companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX : {$18000.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$25000.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX Balance : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I depots checks from my client, but I am no sure they pay me or not. I call chase bank many times to confirm the money in my bank. They said yes. after that I have to pay back for my client. but those checks wore retune not no money.. I lost {$34000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Omega RMS, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cease and Desist have been sent to Omega RMS. I also demand to see The Bill of Assignments and Chain of Title of all alleged debt bearing my name to validate. I didn't directly consent for this company to have my personal information. I demand my personal data be deleted. Omega RMS is only to contact me thru the CFPB, and stop communicating with third parties about my information. This company has also violated several consumer laws that protect from deceptive practices as stated in my letters. I will seek monetary damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: ND
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 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 explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: CA
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:
XXXXXXXX XXXX XXXX XXXX XXXX missed payment XXXX XXXX XXXX XXXXXXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the Forth time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with XXXX and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my part C XXXX provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX bucks and therefore not qualify for reporting per New Reporting laws this year! I have already submitted complaint # XXXX 2 weeks ago, and these Fools have struck again.All without sending me any statements at all ... .this time they send 6 total negative unlawful accounts to my credit report and decreased my credit score.These persons has some kind of ISSUES for sure ... ... and needs to be put in their place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset  Amount : {$0.00}. Please delete.

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 2023-02-23
Company: CCM Finance LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Called the end of XXXX inquiring why my credit report still showed a current repossession and that my account is closed dating back to XXXX. Vehicle was repossessed in XXXX and we paid all fees up to date and got vehicle back within a month. Every payment, twice a month, have been paid on or before the due date like clock work. Called CCM finance on XX/XX/23 because I was informed they have reported all of my payments as late and still are reporting my account as repossessed/closed and sat on hold for over a hour. Left a call back request with my number and no response back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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