BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Everytime that I used my card to make a purchase while overseas and or repeating usage with same merchant, and or a foreign company with offices either in the USA or abroad, they deny the charge for my security and precaution, I have spoken to customer service in the past and they committed to stop these action and asking for verification each time and will let the charge go thru. However they never did anything, this morning I made a charge on XXXXXXXX from my computer online, and they rejected the charge, sent a message if indeed I did it, I said yes, however I lost the purchase and the merchant suspect fraud, now the merchant will not accept my card, and the items cost way more. 

At this point CapitalOne is harassing for charges made overseas, this was a charge for under {$50.00}, its no longer a issue of security since I asked several times, I charge oftern overseas and the amounts were {$50.00} I dont want this harassment and so called protection, they are not protecting me but hurting. 

At least they should be for damages,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Commercial Acceptance Company
State: PA
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 XXXX has been reporting inaccurate information to my credit report. 15 u.s.c. 1692 The account was charged off & XXXX XXXX XXXX XXXX has added fee 's to my account to get addition money from me { {$2000.00} }. This company is stressing me out. They sent me offer to my email then when I apply I'm denied. I feel it's false & misleading I Paid more than ( {$14000.00} ) which is close to double what the car was worth. Please help this account is causing me to be homeless. 



This alleged gency failed to contact me within five days of receiving my dispute of alleged debt account # XXXX in doing so they violated Title 15 1692g ( a ) also this alleged collection agency failed to respond to my dispute it now has been over 45 days and this alleged collection agency has not ceased collection of the disputed debts violating Title 15 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXX XXXXXXXX Balance : {$290.00}.

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 explanation
Consumer complaint received 2022-02-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We wrote out personal checks to XXXX XXXX and XXXX  XXXX to pay our credit card bills XX/XX/XXXX for a total of XXXX from our Citibank checking account. They were mailed but never were received by the credit card companies. The checks had apparently been stolen, endorsed by person ( s ) unknown and the checks were cleared by Citibank with the amount deducted from our checking account. We first notified our credit card companies to investigate as we thought the checks were received but not credited to our account. The credit card companies never located our checks. On XX/XX/XXXX we called Citibank and asked for copies of the cashed checks. On review the checks were signed/endorsed with XXXX different signatures. We contacted Citibank again and they insisted that the credit card companies sign an affidavit stating they did not endorse these checks which they couldnt do since they never received them in the first place. This went back and forth with Citibank customer service for a few months. We then physically went to our Citibank branch and spoke to the manager who took our information and opened up a new case. I believe this was in XXXX. We waited a few weeks to hear. Phone calls and emails to this manager went unanswered. Apparently he had left this position. Went back to the bank in XXXX. Spoke to a different manager. A new case was opened with our documents. We were given a different affidavit that we had to complete and notarize stating we dont know who endorsed those checks. Physically brought this to the bank. Again waited to hear. No response to phone messages or emails. This affidavit somehow got lost. Apparently this manager also left. Went back again in XXXX. Spoke with yet another manager. Completed this affidavit again. Documents again sent to Citibanks fraud department and the case opened again. Latest update is that the banks who initially cashed these checks back in XXXX have to complete their investigations which can take up to 60 business days. The active case number is r XXXX. The manager who is helping us now is XXXX XXXX. The branch is at XXXX XXXX XXXX XXXX XXXX  XXXX New York. Her number is XXXX XXXX XXXX. Email address is XXXX. We really dont understand why Citibank isnt crediting our account since these checks were so obviously fraudulently cashed. This has been going on since last XXXX. We have been longtime Citibank customers and can not believe their customer service is so appalling.

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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, our business sent an international wire transfer to a XXXX supplier as an invoice payment for business equipment. I confirmed the account number with XXXX sales representative from their company on different online XXXX to make sure the account number provided wasn't fraudulent. 

The supplier notified me that they haven't received payment yet on their account. On XX/XX/XXXX, I contacted Chase to verify the status of the wire transfer and they told me it was completed. They provided me with a tracking number ( TRN ). 

After some online research, there might be payment mid-routing issues or the beneficiary bank might have rejected the payment due to incomplete information. When adding a recipient on Chase 's website, XXXX XXXX is an optional field, but on their " Wire Transfers : Country-specific Code & Formatting Guide '' XXXX file, it says " XXXX XXXX '' is required. 

We are worried that some required information was missing and caused the payment to be stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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, 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

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 2022-02-19
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was sick with covid and had a account with TD Bank account ending in XXXX, the closed my account without my consent and without my knowledge and charged off debt didn't even give me a chance to pay or meet obligations unfair I could not act on my own accord due to long hospitalized stay over XXXX days reached out to td Bank asked them to reinstate account they advised me account was charged off within XXXX days that is nit fair or XXXX  XXXXXXXX XXXX institutions must eait XXXX months now my credit and I can not open a new bank account at ant other financial institution until this account also was accessed fees, {$37.00} XXXX I asked them to reinstate account they vehemently refused despite my situation please help... sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 filed several disputes regarding fraudulent information on my credit report and they refuse to remove it. The credit companys say we use a third party and receive information from them but never send me anything so I can address the third party. These accounts are not mine and I have requested several times for them to be removed and they take two days and always say the information comes back verified and I know its a lie because the accounts are not mine! 
Account XXXXXXXX XXXX XXXX is not mine 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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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 notified the credit bureaus that I am a victim of identity theft XXXX XXXX account showing is not my account, I had nothing to do with it and I did not open this account

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 2022-10-19
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy right.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumers 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-10-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: CA
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:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get calls from various numbers but all identified as midland credit. Im familiar with midland credit management XXXX collector and on their website I owe no debt. I finally called back and they asked to speak with my deceased mother. When I explained her death I was asked to send in her death certificate. I explained I would not because when I go to the actual Midland credit site no debt comes up and the rep immediately hung up on me. Which I take as confirmation of their fraudulent attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/XXXX, Transunion the fair credit reporting act XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX  ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( XXXX ) 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. 

( XXXX ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate. I HAVE CONTACTED XXXX XXXX XXXX and notified them about the inaccurate reporting on my Transunion credit report. They responed with a letter. It clearly show the CLOSED DATE : XX/XX/XXXX, Transunion is reporting XX/XX/XXXX. As the law states above if a consumer notifies a person/company about a inaccurate report. A company CAN NOT FURNISH information relating to a consumer to any reporting agency if the person/creditor knows the information is inaccurate. XXXX XXXX XXXX IS NOT PROVIDING ACCURATE INFORMATION TO TRANSUNION. Therefore this account must be DELETED.

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 2023-08-16
Company: EQUIFAX, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Westlake Services, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Wilshire Consumer Credit has violated my Federally Protected Rights under TILA and the FDCPA. Wilshire is using XXXX means to coerce and swindle me into paying an alleged debt which is a willful violation of 18 USC 894 it is unlawful to punish a consumer on extension of credit. However a Finance charge was included which meaning thats the sum of all charges ( Grand Total ) leaving no payable amount as cash is inseparable when it comes a consumer credit transaction transaction. Wilshire Consumer Credit has violated my Federally Protected Rights under TILA and the FDCPA. Wilshire also used harassing and deceptive means to collect on an alleged debt willfully and knowingly violating 15 USC 1692e, as they contacted my reference using misleading representation to get my location to repo my vehicle, they told her I filled out for an application and Im approved they need my location however that was deceptive. I am now acting in good faith before pursuing to litigation giving Wilshire a chance to rectify this issue within 10 days by sending my title back certified mail to have a witness, failure to provide my title will result in litigation in Federal Court for double the Finance charge, Statutory damages, actual damages and any amount the court deem just and proper.

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 2022-02-21
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Klarna AB
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022, {$840.00}, WITH Klarna who I contact to confirm my purchase limit was told it was {$560.00}, I went to purchase an order that was {$840.00} and was asked for {$490.00} down, which was available in My Account, went to complete checkout and the order was blocked stating " unable to complete '' after being lied to by a Servicing rep who could not explain earlier why a cheaper order was approved and told me the reason, gave me the paydown amt and blocked the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 I received a letter from asset acceptance LLC XXXX  XXXX XXXX ID XXXX claiming I owed a debt too XXXX XXXX in which I have never done buissness ever! claiming they where filing a motion in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX too garnish my wages for a debt I have no knowledge of wouldn't this be considered fraud? Or just an unehical lawyer?

Company response to consumer: Closed with explanation