BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened up a savings account with Capital One. I transferred {$15000.00} from my personal bank account into this new Capital One savings account called XXXX XXXXXXXX. 

Several weeks later, sometime in mid XXXX, I noticed a message on the app regarding this Capital One savings account. The message on the app said '' you are funds are currently not available for withdrawal. Please call us at XXXX. '' I tried to call this number at least once or twice in that week and did not receive an answer. No person answered the line. 

I called again on XXXX XXXX and finally spoke to a representative and then the manager, both who told me the appropriate department that I needed to speak to in order to remove the hold on my savings account was not available that day. 

I called again on XX/XX/XXXX and again spoke to a representative. Again they told me the security department was not available to speak to me. So my savings account remained frozen. 

On XX/XX/XXXX, I called the security department directly. I got disconnected first time. So I Called again -- -- second guy hung up. Called a third time and spoke to XXXX ( # XXXX ) Put me on hold for XXXX min when I asked what I had to do in order to remove the freeze on my savings account. 

She sent me a link and said that I needed to upload my driver 's license to verify my identity. I did that. We also called my bank which is where I had transferred the {$15000.00} from and we spoke to one of my bank representatives to further verify my identity.

At that point, it was my impression that I was done doing everything I needed to do in order to have access to the money in my Capital One savings account.

However, I checked my account several weeks later and there was still a hold on my savings account. So on XX/XX/XXXX I called Capital One again and asked them why I still had a hold on the account. Even though I had already verified my identity. The representative told me that I needed to go in person to a Capital One brand and verify my identity in person with my driver 's license. 

On XX/XX/XXXX, I went into a Capital One branch and spoke to a representative named XXXX about the situation. He found my Capital One account on his computer and was able to verify my identity using my driver 's license. However, he had to go on the phone with somebody else from Capital One and this woman told me that although I had gone in person with my ID, my savings account frees still could not be removed. She said something about meeting further investigation before the freeze was removed. 

I told her this was unacceptable, as I had put my money in that account 3 months ago now. And I also verified with XXXX that during the 3 months that my XXXX XXXX dollars has been frozen in the Capital One savings account, I have received {$0.00} in interest on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in XX/XX/XXXX from ERC dated XX/XX/XXXX seeking to recover a debt of {$800.00} on behalf of XXXX XXXX. The letter identified me as the debtor, but it was sent to a business XXXX XXXX that I do not receive personal mail at, nor which I use for personal billing purposes. On XX/XX/XXXX I responded with a certified letter demanding that ERC verify the debt. On XX/XX/XXXX, I received the " verification '' which appeared to be a service contract dated XX/XX/XXXX for a person with the same first and last name, but for service at a location in another state over 1,000 miles from my home. I've lived in my house over 15 years and I've worked very hard to achieve perfect credit. I don't know how to get these folks to stop trying to collect a debt that clearly isn't mine and I'm worried that it's going to show up on my credit report, hurt my score, or result in some sort of legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : 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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The issue started when I tried to log in to my Experian account last month. I knew my password but it wasn't working. So I tried everything to reset it but nothing else was working either. It didn't recognize my phone number. When I tried to reset my username, the email address that link was sent to was not mine. I tried to get ahold of Experian but it is not possible to actually speak to someone on the phone. So I sent them a XXXX message requesting help. 

I then tried to sign up as a new user and had success. While it helped me in the short term, the fact that anyone could do this is probably why my account got hacked in the first place. I sent Experian a message through my new account detailing the situation. 

I first got a response from the XXXX route requesting more information which I sent quickly. They asked if it was still a problem since I was now able to get into my account, ignoring the fact that it had been hacked and nothing was stopping that from happening again. 

So I responded with a list of pointed questions, trying to collect information about how someone could have changed my email and phone without them informing the original contact info about the change, when this happened, etc. They ignored all my questions and just wiped out my login account, which included wiping out their access to the information needed to respond to my questions. They forced me to fax all my relevant documents before I would be able to reopen my account. 

Lastly, I was told the XXXX department would reach out when the process was complete so I could make a new account. I didn't hear anything after XXXX weeks so just tried to make a new one and it worked.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHED ARE MY ID THEFT REPORT & IDENTITY VERIFICATION ( PASSPORT & SOCIAL & UTILITY BILL )

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 2021-03-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
As of today 's date, XX/XX/XXXX. I found my XXXX XXXX XXXX credit card limit originally {$500.00} has been reduced to {$100.00} credit limit. My current balance prior to today 's payment of {$35.00} was only {$62.00}. I have been in good standing with comenity bank with my credit card. The only reason I got this card is for XXXX, birthday gifts, etc for my granddaughters. Their birthdays are over the next 2 days, so imagine my surprise when I'm about to make purchases. Comenity banks excuse is a change in my credit report. I received notice today of what is the impression of high usage on this card. I haven't charged on this card since XX/XX/XXXX. They say they received notification of a change in my credit report. I didn't authorize comenity bank to pull my current credit, I hadn't asked for an increase. There was no obvious reason because my account is in good standing to bother my account. There has been a major change today because of what comenity did in the limit decrease. My debt ratio has been negatively impacted with a balance of {$62.00} and now a limit of {$100.00} it makes it look as though I have excessive high usage and lowers my credit score drastically. Also, I had another credit card with Comenity Bank with Wayfair in good standing and it was closed by Comenity bank 5 months ago because Wayfair and Comenity Bank ended their relationship. The Wayfair credit card with a {$500.00} limit was closed with a XXXX balance. The closure negatively impacted and lowered my credit score. There are a major part of my credit change but make up excuses due to their companies business issues. My other credit card with them was not touched but I have used that card more and have a higher balance. This is not good business. If you are going to represent your company has a bank of business and extended credit then you should run business in a legal manner. Don't extend credit then make up a reason to reduce a consumers credit by intimidation if the card is not used up to the credit limit. How much I use, how often I use and when I use is at my discretion and not comenity bank. This a violation of contract and considered predatory actions. Under federal trade, consumer protection and federal credit reporting act. Reporting to the credit reporting agencies a decrease in credit limit is a negative defamation of character, causes harm and damage. It gives the impression I'm not creditworthy or mishandled my account when that is clearly not the case. With the pandemic disaster along with the winter storm disaster here in Texas everything has been behind. The thing to provide happiness on my grandchildrens face and you take that away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX, I contacted TransUnion regarding the presence of inaccurate information on my credit report. Despite the passage of time, I have not received a response. The details of the inaccuracies and the required corrections are outlined below : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$1200.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$25000.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$2000.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$670.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX {$1700.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$430.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} This account is not mine. Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2019-03-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked HRRQ 2-3 times now via the CFPB to stop calling yet they continue to call me post-revocation of consent and are using automated pre-recorded messages. I HAVE ASKED 3 TIMES NOW FOR THEIR COMPLIANCE OFFICER TO REACH OUT TO MY AUTHORIZED REPRESENTATIVE XXXX XXXX AND HAVE GOTTEN NO RESPONSE OVER 60+ DAYS NOW. 

CONTACT XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( 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 2022-06-01
Company: EQUIFAX, 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 XXXX the Accounts listed below has violated my rights. 

1. XXXX XXXXXXXX  XXXX 2. US Dep ED XXXX 3. US Dep ED XXXX 4. US Dep ED XXXX 5. US Dep ED XXXX 6. US Dep ED XXXX 7. US Dep ED XXXX 8. US Dep ED XXXX 9. US Dep ED XXXX 10. US Dep ED XXXX 11. US Dep ED XXXX 12. US Dep ED XXXX 13. US Dep ED XXXX 14. US DOE / XXXX XXXX 15. US DOE XXXX XXXX XXXX 16XXXX XXXX XXXX  XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX XXXX XXXX XXXX 23. XXXX XXXX XXXX XXXX XXXX 24. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX 27. XXXX XXXX XXXX XXXX  XXXX 28. XXXX XXXXXXXX XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX  XXXX 31. XXXX XXXX XXXX XXXX 32. XXXX XXXX XXXX XXXX 33. XXXX XXXX XXXX 34. XXXX XXXX XXXX 35. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting on Equifax closed accounts as accurate and on time. Equifax is reporting closed accounts as open and on time. 
The accounts are reported daily as on-time. The accounts have no status and no remarks. These accounts need to be deleted. The closed accounts are keeping my fico and XXXX score from improving and increasing due to the fraudulent scams to keep the closed accounts as open when they are not. By keeping the accounts XXXX XXXX can continue to be paid. This practice of reporting these closed accounts does not allow any financial opportunity for future credit or financial assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX charged me {$74.00} in XXXX and XXXX and I do not recognize these charges. I have been back and forth with Chase over this and they continually investigate the wrong transactions despite numerous requests to get it right. I've attached my XX/XX/XXXX statement showing the XXXX charge, Chase has the XXXX charge under review. I finally had a phone call today at XXXX at XXXX XXXX PST with their fraud department in which their department told me that it's my responsibility to get information proving that XXXX defrauded me, from, XXXX themselves. As ridiculous as that sounds, because it is absolutely the credit card 's responsibility to prove that I have an account, not my job to prove that XXXX ripped me off, I actually tried it, as you can see in the attached correspondence with XXXX I begged them to show me proof I had signed up or used their service and they would or could not. 

I eventually signed up for an account in XXXX so I could cancel it once I saw the charge in XXXX. 

For what it's worth their cancellation process is ridiculous and takes 6 screens of them offering you more and more discounts before you can finally leave. Additionally, all of their e-mail, which started coming only in XXXX, goes to spam no matter what I do, kind of interesting that XXXX sees them as not a real company either. 

At this time my working theory on what happened is that I signed up for a service somewhere, perhaps with XXXX or XXXX, that had a XXXX trial offer bundled into it that I didn't see, which should be illegal in and of itself, that once it was over started billing me right at XXXX making the chance for me to notice it go down dramatically and then XXXX never once informed me that I had an account with them, not even a promotion, nothing. so that when I finally saw it and went to their website to cancel I literally didn't have an account. Imagine having a XXXX subscription but no login information for XXXX, that is what happened with XXXX for 2 years. That's clearly ridiculous and evident that I did not have a relationship with them. 

At this point I'm more upset that Chase, a company I do a lot of business with, is mishandling this case so poorly in many simple ways and is making no effort to correct it than I am about XXXX and their shady business practices. I'm upset that Chase is trying to push the onus for fraud protection back onto the consumer in direct violation of consumer credit protection laws, and I hope that CFPB holds them to account or I will be forced to demand arbitration.

Company response to consumer: Closed with monetary relief