BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When Capital One acquired XXXX years ago, I was never informed that I would no longer be in a high yield interest account. They placed me in a capital one 360 account vs a Capital One 360 Performance account. The difference interest rates is currently 3 %. I feel like this is a very deceptive practice and I will be closing all of my Capital One accounts. 

Please see this article - exact same situation appears to have occurred to many others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EQUIFAX CREDIT BUREAU COMPLAINT : There is a Unknown yet validated account reporting with a partial reference/account number # XXXX which I have been advised by legal counsel is out of compliance with the FCRA XXXX I XX/XX/2020 I contacted the Fair Trade Commission in regarding a suspicious and unknown account found to be reporting on my credit by Equifax. After numerous written requests to remove the inaccurate information I mailed the furnisher and included written Notice to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA. The federal Fair Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). I received no reply and subsequently with advise by the FTC to contact the bureau still reporting the inaccurate fraudulent account therefore, I wrote letters to Equifax detailing the ID theft on XX/XX/2020 and again XX/XX/2020 I advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax by the unknown furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi Sir/Madam, This is related to Target Credit Card XXXX. There was a statement that was generated on XXXX XX/XX/2021 for {$110.00}. I made the payment on XXXX XX/XX/2021. This company initiated the Auto Payment for the same amount on the XXXX of XX/XX/2021. They mentioned that the payment got returned for the wrong account number and not sharing what the account number was. If I have already made a statement balance paid how they can charge again for the same amount. They charged a fee of {$29.00} and said there is no provision to waive it off. I spoke to Supervisor also. They are not helpful. If their systems are not intelligent enough to see if a customer already made the payment of the statement and initiate the auto payment again, then it is not the customer 's fault. On top of that, they are not sharing the details. I have XXXX XXXX XXXX, while talking to them and explaining to them it is getting increased, and I don't want to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Nelson Cruz & Associates LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have received 3 email communications from Nelson, Cruz & Associates. I have consistently informed them that I am retired and my income is from Social Security and, therefore, am judgment proof. Supposedly, the original creditor is XXXX XXXX XXXX, an outfit I have never heard of. There has been no attempt by Nelson, Cruz to provide with original debt validation documents. 

I believe this matter is an attempt to pry out my personal information. For example, the address used on their document to me ( a demand letter ) is made out to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IA XXXX. First, when I intend to be bound to a contract I sign as XXXX XXXX XXXX, not simply my first and last name. As to the address, it is incorrect. I have not lived at XXXX XXXX for almost 3 years. 

After I put Nelson, Cruz on notice that I am retired and Social Security is my income, that should have ended this matter. It continues. Approximately, 14 days apart for each of the three communications I have received through email with a PDF document of which I provide all three PDF 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was a victim of debit/credit card fraud on XX/XX/XXXX and XXXX, 2020. In those 2 days someone ran up {$1800.00} on my account with US Bank reliacard. I contacted them and reported the unauthorized transactions on the XXXX of XXXX the day I realized it was going on. They were pos sales and they list as the followed businesses. XXXX, XXXX {$62.00}, {$470.00}, XXXX XXXX XXXX : {$200.00}, {$35.00}. XXXX  XXXX : {$13.00}. XXXX XXXX : {$210.00}. XXXX XXXXXXXX : {$100.00}. XXXX XXXX XXXX  : {$7.00}. XXXX : {$250.00} IXXXX XXXX  : {$43.00}. XXXXXXXX XXXX  : {$12.00}. XXXX : {$18.00}. XXXX : {$250.00}. XXXX : {$230.00}. My US bank reliacard unauthorized claims was denied and I was out {$1800.00} roughly and then told I'm a liar basically that I didn't get stolen from and it's very offensive honestly. Too top it off took them 10 Mos for me to get a response! I called repeatedly about my claim but was told " well move it too fast track for you sir '' Mos later still no answer.

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 2022-04-20
Company: EQUIFAX, 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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A . States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
NEXIS LEXIS, XXXX XXXX XXXX, AND CLUE CONSUMER REPORTING ARE ALL REPORTING FRAUDULENT INFORMATION IN MY NAME AND DRIVER 'S LICENSE HISTORY DAMAGING AND SLANDERING MY GOOD NAME. LISTING TRAFFIC TICKETS AND FALSE INSURANCE CLAIMS. I HAVE NEVER RECEIVED A TRAFFIC TICKET CITATION OR HAD A TRAFFIC ACCIDENT IN MY LIFE. 
THIS IS GENERAL NEGLIGENCE. 
AND A CLEAR VIOLATION OF THE FCRA RULE OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-05-10
Company: Telsa Motors Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I ordered a Tesla XXXX XXXX on XX/XX/23, received email notification to log in and create a Tesla Account. One of the questions is asking if I will be financing through Tesla Finance. I selected not Financing through Tesla, and ask for my checking account information. 

On XX/XX/23, the same day in the evening, I received a text on my phone to schedule for a delivery date. I scheduled the delivery date on Friday XX/XX/23. And asked to bring a cashier check ( no personal check ) on the day off the delivery. 

On XX/XX/23, My Bank sent $ XXXX to Tesla and Tesla also withdrew {$59000.00} from my bank account. Tesla over charged by $ XXXX, I am asking Tesla to return the $ XXXX back to my bank account. Tesla is saying it will take about XXXX to XXXX weeks for the check to be mail to me. 

On XX/XX/23, I picked up the car from Tesla, and was told they have expedited the return of the $ XXXX, it should received it within 5 Business days. However, they just told me it will take about 6 to 8 weeks for the check to be mail to me. This is unacceptable. 
I am seeking for compensation in loss interest and penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Navient Solutions, LLC.
State: CA
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:
FAIL TO PROVIDE HOW THEY VERIFIED DISPUTES WITHOUT PHYSICAL PROOF OF WET SIGNATURES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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. The List of accounts below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a dispute with Bank Of America. And the total amount is {$10000.00} for my dispute ( total XXXX transactions that was not authorized by me ). At first the bank credited me all amount {$10000.00}. 
And then XXXX  months later when they looking at XXXX transactions I disputed. They sent me a Letter said that duplicate resolved The bank took {$5600.00} from my account and bring my bank to negative balance. All my bill was returned because their mistake. 
I called so many time to resubmit the claim and reinvestigate my dispute but they refused my request. They dont want to fix their mistake.the main thing here is : There are XXXX translations in total. All different confirmation numbers on the statement but there are some transactions have the same amount so they was confused and they took out XXXX transactions with amount {$5600.00} out of my account with the reason duplicate transactions but its not true. Took money out my account without let me know anything happened?? XXXX weeks later They sent me a letter said disputed resolved : and its showing the amount is {$10000.00} but the true is they only credited me {$4900.00}. 
With their mistake I lost my {$5600.00} in my checking account. I need help please! I work so hard to save money. Please some one can help me take my money back from BOA please. I have been their customer for XXXX years. I am so disappointed I cant believe they can do that to me.please help me. Please helps me get Justice! they are inefficient and do not respect customers.they don't correct mistakes, they don't care about customer loss I lost {$5600.00}. I need get my {$5600.00} back. 
I hope someone on here can help me and let BOA know about all this matter. 
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 monetary relief
Consumer complaint received 2021-05-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I want to know from JP Morgan what happened to the second mortgage from the attached documents, and would also claim the the scam that was perpetrated on consumers during the great recession where JP Morgan paid out 13 Billion Dollars. Of the {$4.00} billion consumer relief package, at least {$1.00} billion went toward loans the bank was forgiving. There was also {$500.00} million that went to change of terms of loans to lower monthly payments etc. I am so perplexed on the lack of transparency of the note attached by this institution. Did JP Morgan package the second mortgage into securities and sell it, and if so " WHY WAS I NOT NOTIFIED OF THE ABILITY FOR THIS NOTES FORGIVENESS OR THEN ABILITY TO REFI TO BETTER TERMS. 
THIS WAS THE second biggest SCAM on the American public since the Great Depression, and NOW THE XXXX XXXX IS IN PLAY IN XXXX. 
DO NOT ASK ME FOR A TITLE SEARCH, LIKE YOUR LAST RESPONSE FROM A CFPB COMPLAINT. MY request is your problem to tell me everything about this paper shuffle that you performed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXX {$7200.00} XXXX  XXXX XXXX  XXXX {$7300.00} XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account I.D . # XXXX Reporting a ( 30 ) day late payment for the month of XX/XX/2023. Inaccurate account has number been late number. 

15 U.S.C. 1681 Section : 602 ( A ) state I have a 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.

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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian, under FRCA Act you are required by law to remove inaccurate information. XXXX XXXX  has already contacted you to DELETE the XXXX  XXXX account with a balance of {$4700.00} from all of my credit reports as I am not responsible or liable for that account. I have attached XXXX XXXX  ' official record proof of them requesting Experian to remove it from my credit report. Remove it ASAP.

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 2023-01-31
Company: EQUIFAX, INC.
State: NY
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:
I am being hit with a hard inquiry XXXX XXXX Inquiry date of XXXX XXXX XXXX. I never applied for any new cards on said date and this inquiry was not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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 item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX -XXXX XXXXXX/XX/XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation