BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: OH
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX XXXX XXXX XXXX  date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I went to get a city sticker at the local currency exchange. Although I had cash I decided to pay the additional {$2.00} fee in order to buy my license plate sticker. I was checking my credit card statement some days later and capital one decided to charge me {$10.00} cash advance fee and {$.00} in interest charges. I was surprised and called them the day after. I let them know I have never drawn cash on this account and asked them what it was related to. They said the currency exchange ran the transaction as a cash advance. I let them know I didnt get cash and I was not informed. If I wouldve known I wouldve just paid cash. I asked them how can I be protected against this deceitful charge in the future if the merchant doesnt let me know. Capital one has no answer for me after making me wait 20 minutes. In addition. They didnt want to file an electronic dispute. Lastly told them to waive the fee which was insignificant but wrong in principle. After making me wait 10 additional minutes they denied my request. With the security breach that has been part of the news as well as this experience I will be ending my relationship with them. However I wanted to escalate this matter so they can better protect their customers from deceitful charges. I appreciate you know the matter head on. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My ex ( XXXX XXXX ) stole my information and opened a checking account with Bank of America without my permission.

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 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I got a phone call said they are XXXX and that there was a phone number registered with my information thats been sending scam messages. They asked me to report to the XXXX police because the phone number was purchased in XXXX. I was then transferred to XXXX police. While I was reporting the case, they said I was a suspect of the fraud case they are investigating and they need to arrest me back to XXXX unless I bail myself with money. I then wire transferred {$180000.00} from my Bank of America account to a XXXX XXXX XXXX. I also told BoA that I was sending money to my family based on the instructions of the XXXX police

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 2023-11-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 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 2023-09-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: SYNCHRONY FINANCIAL
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've had a PayPal Credit account for many years. Previously you have been able to use your account settings to choose how your payments were allocated ( ie. where the money was to be put towards first on your account ). This is important for when you have made special financing purchases ( purchases such as no interest if paid off in 12 months ). If the payments are simply put toward the overall balance then the special financing purchases may not be first to receive funds, thus allowing them to go past the date for their financing and adding substantial additional interest to a consumer 's account. I often used to change this when I made payments as I would put larger purchases on my PayPal credit with financing which allowed for payment over an extended period of time ( 6,12, 24 months ). When you went to the settings on PayPal 's site not only could you select which option you wanted on your account, but there was also an explanation of what each option meant to the financial future for your account. However, that seems to have changed. Recently, I made a special financing purchase, but noticed after making my monthly payment to PayPal credit that the amount due on this purchase didn't go down. I looked to find the settings which I have described for allocating payments and found they are no longer available on PayPal 's site. Frustrated by this, I contacted their support via live chat and discussed the matter with a representative who informed me that she would be happy to " adjust your payment today ''. I told her I didn't make a payment, but rather wanted to adjust the settings on my account so that payments were put toward the special financing first going forward. She then told me that this is no longer an option. That we to make a payment and then contact PayPal to have the money allocated how we want. This is a bit ridiculous! Something such as how our money is put toward out account should be easily determined with settings that consumers can manage. We should not have to take multiple steps to make sure that payments will be allocated in the best manner for our financial needs with EVERY payment. I have an accounting degree, so I am aware of something like this and asked the right questions to find out this information. However, other consumers may not, and will likely believe that they are paying off a special financing purchase only to be charged with a pile of interest.

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 2018-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm trying to close my CD account with CaptialOne 360 at maturity but the button is not working on their website. I click on " At CD Maturity close account and transfer to Savings Account '' and I click Continue button but the button does nothing. I tried several times over the course of a month. The default action of the CD setting is to start a new CD at a much MUCH lower interest rate when the CD matures. My guess is that many other people are affected ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: TN
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:
I sent a certified letter to XXXX, Experian, & XXXX in XX/XX/XXXX requesting the bureaus provide their method of verification for a XXXX  XXXX & XXXX XXXXXXXX bankruptcy listed on my credit report. I also contacted the court house in GA & TN in XXXX & was advised the court does not provide bankruptcy information to credit bureaus. I spoke with XXXX, XXXX employee on XX/XX/XXXX and requested the method of verification & was advised XXXX provided this information. XXXX was unable to verify they received a copy of the bankruptcies themselves & referred me to contact XXXX. XXXX confirmed XXXX received my letter in XXXX & stated she would note my dispute Confirmation XXXX. I called XXXX representative XXXX XXXX badge number on XX/XX/XXXX. The representative advised they used a 3rd part service called XXXX. Rep stated she could not verify the bankruptcies and would file a dispute so XXXX could verify how the information was verified & initiated a dispute. XXXX is not 100 % accurate and should be utilized as a primary source for verification. Also, to my knowledge, per FCRA-a dismissed bankruptcies should be removed because there is no proper reporting of a dismissed bankruptcy. Per FCRA the credit bureaus must provide upon request a letter showing the method of verification used. I did not receive this and I requested this in XXXX. XXXX does not provide 100 % accuracy and without the credit bureaus obtaining any information directly from the court house, how can they report two bankruptcies without proper verification. Please further review and request all bankruptcies be removed from my report. XXXX XXXX reference # XXXXXXXX XXXX XXXXXXXX reference # XXXX Ive attached documents to confirm my identity. 
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 explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XX/XX/XXXX To whom it may concern, Under FCRA Section 609, I am exercising my right to dispute the accounts listed below. I am also formally requesting that you prove these accounts belong to me by providing copies of the original signed contracts. Please make sure you send me contracts stating that I agreed to enter into financial agreements with the companies listed below. Otherwise, your bureau, the furnishers, nor I can prove these accounts belong to me. Please note I need full copies and all other information you have on file during this investigation. A simple template letter will not be sufficient. I am preparing a legal case and need full certified copies of everything you have on file for the accounts below. 

Bureau/Furnisher must provide, at a minimum, all of the following to prove their case : A. Copies of original signed contracts bearing my signature for each account listed below. 
B. All other information or evidence you have on file for the accounts listed below.

C. Names, employee numbers, mailing addresses, and phone numbers for each person involved in this investigation.

If you can not provide the above information, I request you immediately delete the accounts listed below from my consumer credit report and cease all collection activity. 

Please note, I am trying to resolve this matter as soon as possible. I am willing to stop any further requests if you can comply with my request. Also, note I have included identifying information as requested under the FCRA. Please do not send me an automated template letter requesting further verification. 

Account Information : Account # : XXXX ( XXXX XXXX Account # : XXXX ( XXXX ) Account # : XXXX ( Equifax ) Account XXXX : XXXX ( XXXX ) Account # XXXX XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # : XXXX XXXX XXXX ) Account # : XXXX ( Equifax ) Account # : XXXX ( XXXX XXXX Account # : XXXX ( XXXX ) Account # : XXXX ( Equifax ) Account # : XXXX ( XXXX ) Account # XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( Equifax ) Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CL Holdings LLC
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 am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Dear ConsumerFinance.Gov : Hello. I haven't been able to get a credit report from any of the 3 credit bureaus for about ten years. A few years ago, I filed a previous complaint with ConsumerFinance. The result was that someone sent me some emails for a few months, apparently trying to emotionally smooth me. Nothing ever happened from her email messages, since I still am not able to receive a free credit report from any of the 3 credit bureaus. Also, I am unable to update my personal information or remove false information. When I get online at their websites, I am told I need to call a phone number. When I call that phone number, I am told to either go online, or submit paperwork to them through the postal system, or submit identity documents to them by email. I do whatever they ask, and the result of it all is that the 3 credit bureaus say they can not verify my identity. I submit everything and more, with beautiful museum quality documents, and still, they can not verify my identity, with my most current driver 's license, SS card, birth certificate, current voter registration, passport landing page, current car registration, current car insurance, recent bank statements, and recent mobile phone billing statements. No matter what I submit to them, they claim they can not verify my identity, claiming it doesn't match their records. They refuse my accurate records. I am a USA-born, USA citizen, speaking perfectly fluent English and having the most elegant communication skills, and the 3 credit bureaus can not verify my identity. Please help.

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 2023-06-15
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am still working full-time, but now XXXX XXXX XXXXe, because I am very ill. I have an XXXX XXXX of some sort, my XXXX believes it is XXXX XXXX, but I also have XXXXXXXX XXXX in my brain, so I'm currently being ping-ponged between my XXXX and my XXXX to see if there is a connection between my symptoms, or if I'm having several chronic issues at once. 

To help with travel and medical bills, I took this loan. I didn't realize that it would be {$120.00} every two weeks. I mistakenly thought it would be every month, which is an amount I can absolutely pay and would be happy to. I just made the first payment ( which is automatically pulled, I can't cancel or modify anything from their website ), and I reached out to their customer service team and explained to them that I need to modify my payments for now. 

I'm currently a XXXX XXXX, so my goal is to simply pay off the loan in full next semester with a student refund, but they said refinancing or paying a different amount is not an option for my loan type! They have given me ZERO options to make any sort of modifications to my payment arrangement. I even explained that I would be happy to make {$60.00} payment with each paycheck ( I get paid twice a month ), but this wasn't acceptable. 

So I'm going to have to request that my bank put a stop to any of their charges, and this is going to damage my credit, all because they refuse to even consider working with me, and I plan to pay off my loan early anyway. I went and checked reviews of their site, I realized that customers have complained about the exact same thing, have reported them to all sorts of entities, including the CFPB, will tell the CFPB that they will work with the customer, only for the customer to call them and them to be laughed off the phone. So I am feeling extremely scammed, duped, and stuck at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
1. XXXX XXXX ( XXXX XXXX of XXXX $ in collection since XX/XX/XXXX. 
Fraud 2. Bank of America XXXX of XXXX $ Credit card opened XX/XX/XXXX. 
Never had this Fraud 3. XXXX XXXX they put an application for a bank of America card and I called to stop it. 
Also not me Fraud

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 2018-02-13
Company: CIG FINANCIAL LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX, XXXX, CA at XXXX continues to call a XXXX XXXX at my new phone number of XXXX. 
I have recently obtained this phone number and receive debt calls for a XXXX XXXX. I have requested " nicely '' to have them remove my phone number from their collection list. Today I received another at XXXX XXXX after TWO REQUESTS to remove XXXX from their call list. 
What do I need to do to stop this harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation