BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was falsely mislead by CAPITAL ONE BANK d/b/a CAPITAL ONE. On XX/XX/2021, I filled out an application for a Platinum Secured Card from CAPITAL ONE. Once I filled out this application, it was approved and the application then became an instrument of value and was sold. Due to this fact, I should be able to have a zeroed out balance at the end of every billing cycle and should have an open-end credit plan pursuant to 15 USC 1602 . I was informed by CAPITAL ONE that I would need to make a security deposit in order to receive the card ( as advertised on their website ), so I made a deposit in the amount of {$200.00} on XX/XX/2021. I apologize about being ignorant of the law, but that is no longer the case. It is unlawful for CAPITAL ONE to have taken the {$200.00} in order to give me a credit card ; taking cash within a consumer credit transaction is illegal ( 15 USC 1605 ). Once I put in my application and it was approved, I extended my credit to CAPITAL ONE and should have received an open-end credit plan without having to make a security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XXXX a XXXX for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please have these accounts deleted from my file : XXXX XXXX XXXX XXXX XXXX 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 2018-02-01
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I took a loan with XXXX  and defaulted. XXXX XXXX XXXX XXXX XXXX XXXX  called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX their SISTER COMPANY, would also remove the marks. XXXX  did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes.

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX  sells much of their bad loans to XXXX XXXX XXXX so I am holding them responsible for the false promises made by XXXX

Thanks, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: KY
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2022, I reported to Chase Amazon Credit Card member service, then filed a complaint to XXXX Police Department, filed a consumer complaint with the Texas Attorney General 's Office of Consumer Protection, and notified FTC that someone has stolen my credit card information and placed unauthorized charges on my CHASE, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
I have sent to XXXX XXXX XXXX XXXX XXXX XXXX, AND CHASE all collected evidence that proves I was a victim of identity theft. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AND CHASE have launched an investigation into my identity theft incident. XXXX, XXXX XXXX, and XXXX  XXXX XXXX have found that I was a victim of identity theft. Therefore, I am not liable for the unauthorized charges. 
However, CHASE AMAZON force me to make payment for XXXX Furthermore, CHASE is not able to send me any copy transaction invoice of unauthorized purchase tracking. Except, for the XXXX invoice saying the item was delivered to my address and was signed for. This is untrue because I did not receive or signed for any item from this unauthorized purchase. XXXX  can not provide a copy of the signature for this unauthorized item. Amazon has deliberately erased all of my purchased histories to support that the unauthorized charges were made from whom, email notification to whom, and tracking information to whom. Since Amazon erased all of my purchased histories there are no traces for me to see the unauthorized item was sent to whom to what email for notification tracking. 
There is no denying that CHASE and XXXX  have not been able to prove and send me a details copy of the unauthorized purchase of order containing the start of order notification invoice, shipping order notification invoice, expected delivery date notification invoice, tracking, and delivery. All genuine and authorized orders are always received notification in the email for tracking purposes from XXXX or Amazon. There are no notification traces from my email, or text messaging from Amazon purchase histories of this unauthorized purchase because someone clearly has stolen my credit card information and committed the crime using my identity. This strongly proves that I was a victim of identity theft and the unauthorized charges must be dissolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested in my Validation letter dated XX/XX/XXXX which XXXX XXXX XXXX XXXX fail to validate all of my request. XXXX XXXX XXXX XXXX sent copies of card statements and other interesting documents that have me questioning do we as consumers, have any privacy at all. I will address that privacy issue. My attachment 's will show that a debt collector, XXXX XXXX XXXX obtain my private and personal information without my permission and then sold my private and personal information for monetary gain. No contracts submitted by XXXX XXXX XXXX XXXX that bares my personal signature. XXXX XXXX XXXX XXXX did not Validate all my request pertaining to contracts that bares my personal signature. But they submitted to me a XXXX XXXX XXXX that shows XXXX XXXX XXXX the Seller of my private and personal data. And XXXXXXXX XXXX  the Buyer of my private and personal data. This buy and sell happened on XX/XX/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 2023-08-28
Company: Kikoff Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello i wanted to get the following inquiries deleted for i did not authorize these companies to run my credit which is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian unfreeze does not work. Have tried for days for my Credit Union to be able to look at it to approve of my car loan, and they keep telling me it's frozen.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, 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. 

XXXX XXXX  ..Acc # XXXXXXXX XXXX XXXX XXXX ..Acc # XXXX XXXX XXXXXXXX XXXX.Acc # XXXX XXXX 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 2023-08-29
Company: Kikoff Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted kickoff back in XX/XX/2023 regarding this account email XXXX XXXX she email me back and stated that if I pay {$24.00} they will be deleted from all 3 credit bureaus which XXXX already did now so I did i mailed the an money order and express it to them which i have proof and took photos of the money order XXXX reached and said she received the money order and put towards my balance and it will 2 weeks to report to the credit bureaus it has been serval months and this account still reporting in correct and now is reporting have balance of 24 which I've paid i reached out serval time to XXXX and XXXX and they still haven't reached out to this crooked company please help me deleted this from credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
Im really not understanding why you all are giving me XXXX on earth and disregarding every mail, every complaint I send to you all this has been going on since XXXX of 2021 and you all are still holding these accounts on my report for no reason and without any legit proof.First, I will like to say stop sending me mail saying verified as accurate with no factual proof thats it is accurate.You sending me billing statements is not considered proof on why it must stay on my report because as I said in the previous 100 complaints those are alleged debts and even those billing statements are false and misleading .I am also aware that with you all actually dealing with my information you all should not be reporting ANYTHING without my written consent and being that this is going on a good 8 months strong you all have yet to send me a written contract with my consent. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

The only reporting agency that removed all these accounts were XXXX because they know they are in violation so if one of them has followed protocol YOU ALL NEED TOO AS WELL!

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 2023-08-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in 2020 and there have been 6-8 accounts opened up under my name. These accounts being opened up aren't even in the state I reside in. Fair Collections & Outsourcing Inc. have been awful in helping me with this fraud. They have gave me the runaround multiple times on what to do. XXXX XXXX has correctly been assisting me with the fraud case. Why are these companies giving out loans, renting apartments or allowing people to open up accounts in my name when I don't even live XXXX miles from where it's taking place? These companies are acting negligently in not researching where I live at, where I work, etc. because if they did then we wouldn't be in this mess. I've had a total of {$90000.00} taken under my name because companies don't want to do the extra leg work to get in contact with me. They just hand everything out on a hot plate for the criminal to take.

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 2023-06-21
Company: EQUIFAX, INC.
State: PA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother was the orignal mortgage holder but she passed away on XX/XX/XXXX. She had XXXX children. On XX/XX/XXXX we started the succession process and completed it on XX/XX/XXXX with the Judge 's signature on the Judgement of Possession. On XX/XX/XXXX the mortgaged home was damaged by hurricane IDA. On XX/XX/XXXX the insurance company issued a check to make repairs. The check was made out to my mother and the Bank of America. I submitted the check and the Judgement of Possession to the the Bank of America on XX/XX/XXXX. Bank of America returned check saying that we needed a Trust ID. Since that time, I have made numerous calls to the Bank of America and basically getting the run around with some the representatives saying everything was in place. Each time I am still getting this form letter returned to me and the house remains damaged. I have worked with the Bank of America Estate services and the loan manager for the account. Each time I am promised that the situation will be escalated and resolved. But, nothing ever happens.I am desparate to get the house repaired and even offered Bank of America the option to keep the funds and distribute them to the contractors.

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 2023-05-03
Company: EQUIFAX, INC.
State: FL
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 creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

This means XXXX XXXX  a financial institution has disclosed nonpublic personal information to nonaffiliated third parties Equifax, XXXX and XXXX. 

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

Company response to consumer: Closed with explanation