BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: JPMORGAN CHASE & CO.
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:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Checking or savings account ISSUE Managing an account XXXX XXXX .Civil Court XXXX XXXX . XXXX XXXX XXXX gave Power of Attorney for Mrs. XXXX XXXX for Ms. XXXX XXXX to pay for an Attorney who was Mr. XXXX XXXX for suing for {$87000.00}. Civil and Surrogate Court XXXX XXXX. Wire Transfer was done with Chase JP Morgan Chase Check of {$10000.00} for XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I canceled XXXX I had paid up to the to the last day and then returned all the equipment additionally I provided receipts showing that the equipment was received yet XXXX insists on taking for me an extra {$350.00} above and beyond the outrageous hordes of money we paid for them every single month. This is a billing error, and they do not do anything to satisfy this oversight. I have all of my receipts including the receipts for the returned equipment I paid in a timely manner and they are ruining my credit and causing me to get much higher interest rates and I refuse to pay them {$350.00} extra for something I never used. They feel they have a monopoly and they can do whatever they want with their clients it is they Husserl me {$350.00} for the amount of years that I had their service and the Internet never worked. But I did pay every month on time outrageously inflated charges which is a common practice for them when they have a customer for many years they keep raising the rate so I drop them and they invented the {$350.00} charge this should be illegal and I need your help thank you so much all the best 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 2019-07-16
Company: EQUIFAX, INC.
State: NE
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:
XXXX did not perform their due diligence in verifying the identity of the individual who opened an account with them using my personal information. The account ultimately went to collections and is reporting on my credit. I have requested validation of the debt from XXXX, they sent quite a bit of information which was helpful in proving the debt exists. However ; since they did not provide a copy of the instrument used to verify the person 's identity I have no idea who actually opened the account. All I do know is they opened the account in my former name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of non-permissible credit inquiries from my credit report. My report was pulled by the following companies without my authorization or knowledge. 
XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account should need to consider and late payments should be remove right away, because I am totally affected by the Covid when this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: HW Holding, 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:
Hunter Warfield ( XXXX XXXX XXXX XXXX, XXXX FL, XXXX ) wrote a letter to me indicating that they are collecting a debt on behalf of XXXX XXXX XXXX in the amount of {$330.00}. XXXX XXXX XXXX is an apartment complex based in XXXX XXXX, Texas. 

I called Hunter Warfield and asked what info do they have linking me to this account to which they supplied my Name, Date of Birth, and Social Security Number which is off by a digit from mine. Therefore, this fradulent charge is not related to me. However, they still proceeded to report this to the 3 credit Bureaus, which has negatively affected my score. 

I relayed to Hunter Warfield that this is fraud as I have only resided in California. I filed and supplied Hunter Warfield with 1. a police report from XXXX Police Department indicating that this is Fraud 2. a copy of my Driver 's License. 

Right now, Hunter Warfield is insisting that I need to supply more information to remove this from my file. Please assist to help me fix this fraudulent claim. 

Further, Hunter Warfield should validate all information before claiming to collect a debt that is not assigned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 years.

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: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I have XXXX that accept tips on credit cards. For over 20 years when we get a request from issuing bank due to a larger than 20 % tip we would send in receipt of purchase and customers signed receipt. It would prove that yes customer wanted to tip over 20 % and would result in no charge back. The last few months CapitolOne is asking for this same information but not accepting our proof. They are saying we only got authorization for 20 % ( which they are aware that is all we are able to get ) and not only taking the tip back but charging up to a {$25.00} fee for everyone time There is no way for us to get a authorization for over 20 % and they know this. We have a lot of people that tip over 20 %. This is an unfair practice because there is no way for me to get the authorization. So they get that tip money back even know i am proving customer wanted my employee to get it and charging a fee I have numerous emails i can provide with my credit card processor and they just say they are just are frustrated as me with Capital One. Any help would greatly be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Innovis
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: Information belongs to someone else

Complaint:
XXXX XXXX other engineering company showing up pulling my credit with my permission please get this corrected they have been destroying my life hacking issues and other issues i filed to ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
n accordance with the Fair Credit Reporting act Transworld system 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 a account without my written instructions. 

Transworld system inc at XXXX XXXX XXXX XXXX, DE XXXX has been sending me collection notices in the amount of {$3300.00} the collection has been reported as Paid balance. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: CURO Intermediate Holdings
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I didnt get this loan they tried to take out {$630.00} of my money I didnt get from they say I got {$400.00} dollars I havent got

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX the XXXX they bank closed my account without notification and kept XXXX they will not return it. XXXX of this money was transferred from my XXXX XXXX XXXX  account to this account, and the rest is personal loans from friends and family for a XXXX XXXX XXXX. I don't owe any money to them yet they closed my account and will not return my money. On XXXX I went to the bank to withdraw money and was told they were unable to give me the money as my account was locked. XXXX I called bank of america customer service they say they are unable to give me money or information because the account is closed. The bank stole my money and I need it back. I have XXXX children to take care of. Thank you.

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 2023-12-06
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XX/XX/XXXX I made an in store payment of {$4500.00}, witch I have receipt and counselled check drawn on XXXX  ; this was a bank ck not a personal ck. the ck number was # XXXX. The money was applied to my card and I thought the problem was over, until for whatever reason I received a ck from XXXX XXXX  in XXXX Fl. on XX/XX/XXXX for {$4000.00}. I went to XXXX store manager and tried to get this fixed, but after calling the card number, they could not help me. I received a statement from Capital One Bank on XX/XX/XXXX ( notice the year is NOT a mistake ) that had a balance as of XX/XX/XXXX of - {$4400.00} after charges and debits and credits of {$480.00}, there was and ending balance as of XX/XX/XXXX of {$4000.00}. On XXXX I received a statement that had a balance of {$4700.00}, of witch I did not put on the card. What was placed on the card in XX/XX/XXXX and XX/XX/XXXX was paid off. I have counselled ck and receipts from XXXX. I still have the money that was sent back to me in the form of a ck XX/XX/XXXX for {$4000.00}, I will send this back to the card co, I was waiting on them to clear this up. However the {$710.00} they have charged me for fees and interest I should not pay, this is my complaint. PLEASE take care of this mater, thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: NM
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 submitted a dispute with Experian about a mortgage account balance with XXXX XXXX XXXX. I was told the information in my credit report was correct, the balance was {$570000.00} and I would have to go to the lender if I disagreed. I wrote to XXXX XXXX XXXX and received a letter stating that the account had a XXXX   balance and had been closed on XX/XX/2018. I submitted this letter to Experian and their response was to change the balance to {$570000.00} and I would have to go to the lender if I disagreed. I tried calling the telephone number they list for disputes and their phone tree doesn't have that option. I don't know what else I can do.

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 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A few days prior to the incident I had some fraudulent activity on my bank account. On this date I had made a {$40.00} cell transaction and immediately was contacted by what I thought was Bank of America telling me I had more fraudulent activity and that someone was attempting to take money from my account. It was very coincidental that Ive had just used the XXXX app and was then contacted immediately by the scammer. I felt that it was connected because of the recent fraudulent activity and they represented themselves as Bank of America. I was sent a confirmation a phone call many things that led me to believe that this was legitimately again the fraudulent team at Bank of America. I almost never use XXXX and was not familiar with all the risks and possible scams that this type of money transfer comes with and do not feel the Bank of America adequately protected my information because I was instantly contacted while I was on XXXX for the first time. I sent money to myself via XXXX I thought is a part of the scam. I have a phone number I have documented pictures of the text message I was sent and I contacted Bank of America within hours of this transaction. It was a Saturday evening XX/XX/XXXX and contacted them first thing in the morning on a Sunday within hours of the event because I felt something was not right. I immediately filed a claim with their fraud department and was told that someone would be contacting me to get more information regarding the name the phone number and any other evidence I had and was never contacted. I sat for hours and I have proof of those hours I sat on hold trying to speak to someone in the fraud department multiple times following the event. They did not ever contact me. they never answered the phone subsequently when I called and then denied my claim. The event took place on XX/XX/XXXX but they show the transaction happening XX/XX/XXXX I called them XX/XX/XXXX this was a very quick response and I feel they have dropped the ball and not protected my information adequately they had plenty of information they could have followed up on but did not.

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 2019-11-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied for Chase card for myself only. Chase opened an account for me and my wife ( who does not want anything to do with Chase based on her past experience with Chase ). In the application, no information about my wife was provided.

When the new card account was created, it appears that Chase never closed my past accounts and retained all the information. It feels like they are storing private information on all who come into contact with them indefinitely. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The company is reporting adverse information to the credit reporting agencies ( XXXX, Transunion, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

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 2023-01-27
Company: Colony Brands, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Impacted my life terribly Lawsuit in progress with the supreme of new York. Has violated Federal Credit Laws. 
Not even my account. I took correct action they tried to steal my social security information when I was really young.

Company response to consumer: Closed with explanation