BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for and was approved for a CapitalOne Venture card on XX/XX/XXXX. I received notification that it had shipped on XX/XX/XXXX. When the card had still not arrived, I called CapitalOne customer service on XXXX and XXXX. The first rep told me USPS had sent the card back and then I would have to wait until it returned. 

The second rep I spoke to on XXXX issued me a new card and said I would have to verify my identity by sending me a code by text message. I verified my identity this way when I first applied on XX/XX/XXXX, because I had trouble setting up my online account. This time the rep sent the text message and it did not go through to my phone. This was attempted twice and it didn't work either time. The rep then told me I would have to submit a photo of the front and back of my driver license for verification, and that it would take an additional 10 days on top of the two weeks I had already been waiting. The photos of the driver license are not blurry and I have used them for insurance purposes in the past. 

I submitted photos of my driver license, and then followed up on XX/XX/XXXX. Customer service told me the photos were blurry and that I should have been contacted to submit a better image. I was not contacted about this, and furthermore I already have a bank account with CaptialOne, including a debit card that was successfully mailed to me and activated. They know who I am. There is no reason for this verification. There is likely a technical issue with their system, because I was verified before over the phone by text message. I should not be penalized for their issue. 

Additionally, there is a sign-up bonus associated with this card, and it includes a spending requirement that must be met within 3 months of opening the card. CapitalOne has already wasted a month of my time dealing with this, which could lead to me not receiving the sign-up bonus and other benefits of using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I called XXXX  American Express friday XX/XX/2018 to  report charges on my card from XXXX that I didnt make. It was a total of 26 charges. XXXX told me to call back when the charges were no longer pending, well I did that on Monday XX/XX/2018 and the company asked me why I didnt call the police or did my husband make the charges. Basically I was told that I am not going to receive my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
This is a follow up to XXXX # XXXX. On XX/XX/2020 the company CLAIMED to have tried to contact me by phone AND email but had been unsuccessful. This was false. I received an email AFTER this response was received by the CFPB and it was an email only. I've since tried to return the call and left messages to the number provided XXXX XXXX XXXX XXXX XXXX times with no response. I also replied to the email but the company continues to ignore me and my messages. They still are in possession of a prepaid debit card containing my widow 's benefits for over {$470.00}. I have been told no less than five times the card is being mailed but it never comes. Please don't let them claim they have resolved this as they have not and my card is still outstanding. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: SC
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 the month of XXXX a fraudulent application was made to Chase bank for a credit card in my name using my SSN. I received a notice from XXXX about the inquiry and upon learning that the request was made by JPMCB I contact them to report the app was fraudulent. I asked for other identifying information that may have been used in order to determine how much of my personal information may have been compromised but the bank refused to give me that information. They did shut down the application as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: TD BANK US HOLDING COMPANY
State: MO
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 have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: OH
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:
I currently have Three accounts and inquiries appearing on my credit report. 

Accounts 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 2020-09-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I have tried to unfreeze my credit at Equifax for the past month. 

I have done the following. 

1. Access my account online and try to unfreeze the account. The website throws an error and doesnt work.

2. I have tried calling Equifax customer service to unfreeze the account. The representative requested I mail a copy of my social and drivers license to Equifax. I have done that and the account remains frozen. The mail was sent over two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a medical bill. I have insurance that the emergency room should have billed. I was never given any knowledge of this bill. They violated my HIPPA rights sharing this information with a 3rd party collection agency instead of correctly filing with my insurance or even giving me a chance to file with my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Information belongs to someone else

Complaint:
Please help me get a proper solution to this frivolous account that is continuously being removed and added back to my credit reports. I have made several attempts to dispute this debt via handwritten letters sent via certified mailed to the data Furnisher XXXX XXXX XXXX AS I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY and have not received a response or verification that this debt belongs to me. I have retained all documents of my actions thus far for proof and documentation. I believe this is a direct violation of my rights as a consumer per the NC FCRA. to deny my right to receive valid verification that this account belongs to me. I have previously disputed this account and have successfully been able to remove the account however it is just sold to another furnisher, or the current furnisher changes the name and updates or adds this account back to my credit file with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally. In addition, XXXX XXXX XXXX shouldnt be allowed to continue reporting this frivolous debt and the credit Bureaus are failing to properly investigate the information being reported. This fight or battle to fix my credit so that only accurate information is being reported has caused me mental and physical health issues and restraints. I am reaching out as a final result before seeking other solutions. This information needs to be removed from my credit files because it can not be verified and continues to report and update inaccuracies on the credit file.

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 2022-01-13
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
Dispute letters were sent in XX/XX/2021, and I have yet to receive any letters regarding dispute results or updates.

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 2022-12-30
Company: NAVY FEDERAL CREDIT UNION
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:
hello i have been working with this company to delete this acct on my report it was deleted from my XXXX but not the XXXX others i am a victeim of idenity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$6500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX 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 2023-06-27
Company: EQUIFAX, INC.
State: MI
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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.

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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for XXXX XXXX XXXX XXXX credit card on and declined due to Bank of America stating " one or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file for bankruptcy ''. ****There are no accounts included in bankruptcy on my credit report or any intent to file for bankruptcy filed with a federal bankruptcy court.

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 2023-04-19
Company: Financial Assistance 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: Information belongs to someone else

Complaint:
Please help me get a proper solution to this frivolous account that is continuously being removed and added back to my credit reports. I have made several attempts to dispute this debt via handwritten letters sent via certified mailed to the data Furnisher FINANCIAL ASSISTANCE INC AS I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY and have not received a response or verification that this debt belongs to me. I have retained all documents of my actions thus far for proof and documentation. I believe this is a direct violation of my rights as a consumer per the XXXX  FCRA. to deny my right to receive valid verification that this account belongs to me. I have previously disputed this account and have successfully been able to remove the account however it is just sold to another furnisher, or the current furnisher changes the name and updates or adds this account back to my credit file with no explanation on an erroneous, alleged collections information. FINANCIAL ASSISTANCE INC has never proved this debt belongs to me legally. In addition, FINANCIAL ASSISTANCE INC shouldnt be allowed to continue reporting this frivolous debt and the credit Bureaus are failing to properly investigate the information being reported. This fight or battle to fix my credit so that only accurate information is being reported has caused me mental and physical health issues and restraints. I am reaching out as a final result before seeking other solutions. This information needs to be removed from my credit files because it can not be verified and continues to report and update inaccuracies on the credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello I tried to open an account with XXXX federal and they denied my application because they are saying I'm not me. I asked for an appeal and they denied the appeal and also told me I can not reapply. I don't understand why and need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
3 XXXX  transactions were made on XXXX to three different individuals ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ) each for {$1000.00}. Two additional XXXX transactions were " cancelled '' on XXXX by Wells Fargo ( one to XXXX XXXX for {$1000.00} and one to XXXX XXXX for {$500.00} ) Then on XXXX Wells Fargo fraud detection department left me a voicemail. Then also on XXXX charged two separate fees related to these transactions : one for {$4700.00} for " deposited item retn unpaid fee '' and one for {$12.00} for " cashed/deposited item retn unpaid fee '' A total of {$7700.00} was taken from my account due to the unauthorized/fraudulent transactions and related fees. I called to open a claim to recover the funds taken and received a letter from Online Fraud Claims dated XX/XX/XXXX saying they researched and found the transactions were authorized. I called to escalate the claim and was told to gather evidence it was unauthorized to fax in. I wrote a cover letter establishing I don't know the receivers and do not use XXXX  services also that their fraud department was triggered by the activity supporting the fact that these were not authorized. I faxed the letter along with info about police report, ic3 claim and FTC report on XXXX.

After not getting any reply I called to follow up on XX/XX/XXXX and WF customer service said I had no claims attached to my accounts and would open a new claim that I would get a mailed letter about in 7-10 business days. 

I never used XXXX, I don't know the individuals, I didn't give out my password, I didn't grant access to or authorize anyone to use my account. I have completed a police report, ic3 complaint, and contacted FTC to report.

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 2023-06-27
Company: EQUIFAX, INC.
State: AL
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:
So I pulled my credit report XX/XX/. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/. I reached out to XXXX XXXX on XX/XX/. I reached out to Equifax on XX/XX/. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.

Company response to consumer: Closed with non-monetary relief