BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Recently I filed a complaint against Capital One alleging that Capital One requires consumers to have certain level of communication skills in order to receive services from Capital One without properly disclosing those the requirement of the physical and mental abilities that it expects customers to have in its terms and conditions of service or other disclosures. 

Capital One 's response to my allegation was that Capital One has the following statement in one of its documents : CLOSING YOUR ACCOUNT We may, subject to applicable law, close your Account at any time, regardless of whether youre in default. You may ask us to close your Account at any time by calling us emphasizing the statement " You may ask us to close your Account at any time by calling us ''. 

My experience calling Capital One in order to close my account was as follows : On XX/XX/2022 around XXXX XXXX XXXX I placed a call to the number provided by Capital One, XXXX. I clearly stated at the best of my abilities to the voice recognition system that answered my phone call that I would like to close my account and the voice recognition system informed me that it did not understand my request. I was eventually transferred to a person and the person who answered the call, XXXX, disconnected the call after XXXX min and XXXX seconds of the conversation. 

To give Capital One another chance I placed another phone call to XXXX around XXXX XXXX XXXX XXXX and informed the voice recognition system that answered the call that I would like to close the account. The system asked for my social security number and the last four digits of my account number. After I provided this information, the system informed me that the telephone call may be recorded and put me on hold. The call was answered by XXXX, who has not provided me any other identifying information. After I attempted to explain to XXXX what I was trying to achieve, XXXX disconnected the call. The call lasted XXXX min and XXXX seconds. 

It is clear that the disclosures provided by Capital One regarding the requirements that customers need to have abilities to call Capital One to request certain services is not adequate. Capital One needs to properly disclose what level of telephone communication skills it expects its customers to have such as the customers fluency in conducting telephone conversations and the time customers are expected by Capital One to be able to continuously maintain a telephone conversation. Merely stating that some services can be requested by calling us is not enough to describe the physical and mental abilities that Capital One expects its customers to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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  Account # XXXX, Account name XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name 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 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two Credit cards were opened in my name and used without limitation. My credit score suffered greatly due to this. I am reporting due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was called on Monday XX/XX/XXXX AROUND XXXX from XXXX XXXX  company. That there are waiting by my building to shut the electric were i have tenants plus a dr office and i was out of town, i ask why are closing ii know i pay my bills online no its deposit we need wil refund it after 3 months, wee i know they really do it .so they tell to call the office and press ext 4 for the collection dept, i was arguing i told i be back in my office next day arguing for some time. so i cal press 4 it was a real no # the XXXX XXXX  SOMEHOW THEY SPOOFED ME. THEY KNOW I HAD MADE A CHANGE ON 1 METER in my building and i thought it because of that. so i told i am not in town so they said they wil try to arrange and do me a favor if i can make a 3 party XXXX  payment through my bank. all this took a 2 hours on the phone so i sent they {$2000.00} and i thought it sok but they kept going that it was already out for disconnection. its a long story i am tell the basics what is need to know. so they told and hod on to be connected to the finance dept and to see if they approve and can stop the discontion, til i was connected took a long time so after they picked up they tell i need to send addinail {$2500.00},. this already do not sit with i did not send i went called back XXXX  from another phone and asked they told no its XXXX. i went fast call my chase bank and told what happened and they said they wil contact XXXX  i gave al info were it was sent what XXXX address and names and teh all other phone i was involved, soi they said they wil give over i wil get a refund fOR 1 time. but now they say talk to XXXX  it was declined nobody is taking responsibility were i called right after in order they can stop it and gtet it back i have no one to talk not XXXX  and not CHASE bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} 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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX, XX/XX/2021 ), ( XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I send my dispute letters out on XX/XX/2023. It has been well past 30 days now. I asked all three credit bureaus to show proof that the notification of the dispute letter was received and forwarded to the furnisher within 5 days, I ask for evidence of the reasonable procedures that they used to come to such a conclusion that this information was verified. I ask them to show me proof of who they spoke to, when did you talk to them, and to give me the names of the person, what telephone number did they call, and what addresses did they contact. I asked them to provide me with documentary evidence and any other valid information they received during the dispute process. I haven't been provided with the evidence. And I asked that all accounts that were provided in my dispute letter be deleted. And all three credit bureaus ignored my letter. I told them according to 15 U.S.C 1681 section 602 ( a ) the credit bureaus must complete a reinvestigation within 30 days of receipt of the letter.

15 U.S.C. 1681 states that the banking system is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: TX
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 regarding my Experian Credit Report. I submitted a dispute on XX/XX/XXXX for Experian credit report # XXXX disputing a loan account on the report with the name " XXXX loan account ''. I asked them to remove the loan account from the report since it is no longer being serviced by XXXX. Their resolution on XX/XX/XXXX says that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 

I have attached a copy of the email provided by XXXX that the load is no longer being serviced by them. XXXX no longer has any ownership of my loan account. They transferred the loan to another provider, XXXX XXXX, and I have been making regular payments to them. 

The Experian credit report is inaccurate on the following points. 

Status Updated Date is XX/XX/XXXX. If Experian says that they investigated my dispute and the information on the account was confirmed and updated as of XX/XX/XXXX, why is the installment loan account still in good standing when there is no payment made after XX/XX/XXXX? This is because they no longer service the account and have no financial relationship with me. 
Provider Name is incorrect Balance is incorrect This XXXX account is no longer active and it will never be updated since I dont make payments to them, and they dont service the account anymore. This account has not been updated since XXXX and is harming my credit score and credit worthiness because it represents inaccurate and misleading information.

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 2021-03-10
Company: Receivables Management Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested on numerous occasions that RECEIVABLE MANAGEMENT CORP provide a VERIFIED/VALIDATED CONTRACT bearing my signature showing that I received goods and or services that I agreed to pay for. Each time I have contact them I am handled aggressively and unprofessionally. Please assist. They have yet to provide any evidence of their fraudulent claim and any information that I have provided they have used to further update my credit profile ( negatively affecting me and creating financial hardship ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail from IC System , Inc. on XX/XX/XXXX regarding a debt owed to XXXX XXXX for {$650.00}. Debt is allegedly from XX/XX/XXXX. 

I have never had XXXX services in my life, nor has anyone in my household. I have proof of me having service with different providers the whole time. XXXX was able to confirm this.

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 2021-12-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received a text message from XXXX ( i later learned this was a spoofed number from the XXXX XXXX app ) asking if a authorized a XXXX transfer to a XXXX XXXX. I texted back no and immediately received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX phone number ) from someone claiming to be part of their fraud protection department. They told me in order to lock the person who had my info oit of my account I needed to XXXX myself the money in my account. They talked me step by step into enrolling into a XXXX account ( using their bank info ) with my email address and had me XXXX the money in my checking account to myself by entering my email into the recipient line.. the recipient was actually linked to their bank info. Once the transaction was complete they hung up. I never was able to recover my money because my bank said I needed to contact XXXX and XXXX said I willingly sent this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX il XXXX SSN : XXXX Experian Date XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information is in error : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXXXXXX XXXX XXXX  XXXX, WA XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, 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 2021-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Where do I begin? Im beyond frustrated with the assistant I have gotten from Experian regarding the account with XXXX  on my credit report. XXXX XXXX from how to get away with murder has nothing up on XXXX  because they have violated my consumer rights. I pray you guys review this complaint and hold them accountable. First of Ive been disputing this account for a while. I was surprised when I wasnt receiving any responses from the creditor. To my surprise I later discovered Experian has been reporting the WRONG ADDRESS FOR THE CREDITOR XXXX  while XXXX  is reporting the correct address this has given AN UPPER HAND Ive lost time and money because of this. Not to mention Experian has constantly stated they verified this account as mind. However, based on reports over the last couple of months THEY IS NOT ONE NOTICE OF DISPUTE LISTED THATS A VIOLATON PLEASE DELETE ACCOUNT by the way Ive attached the recordings. And when I spoke to XXXX in XXXX XXXX he was very rude and advise me there was no such law that a notice of dispute had to be documented he mentioned that was up to the creditor he threatened to disconnect the call and over talked me and not once was I irate and rude to him

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
All XXXX items are errors without consent.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX Account # : XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1681eb : A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the reportEach permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).

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

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 2023-09-25
Company: WELLS FARGO & COMPANY
State: VT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I co-signed a Wells Fargo joint line of retail credit on XXXX for a purchase of windows to be installed in my ( now ) exhusbands house in XXXX Florida. As we divorsed, I called XXXX XXXX on XX/XX/XXXX to let them know I was closing the line of credit, which the vendor acknowledged. I closed the credit line with Wells Fargo with a {$0.00} balance on XX/XX/XXXX which Wells Fargo acknowledges. I guess my exhusband installed his windows XXXX and the XXXX XXXX vendor used the closed account to make the purchase of XXXX I called Wells and disputed the charge, as how can they allow a charge to go through on a closed account. Also, why would XXXX XXXX use an expired pre-authorization to charge the installation to, after they were notified the account was closed. 

The Wells account currently has a {$6200.00} balance on it and the account still reports closed. 

Thank you for any guidence you can provide.

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