BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1700.00} -This is not my account. 

XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a small business ATM debit card through Bank of America and for the last year I've had transactions from XXXX XXXX XXXX XXXX XXXX taking out money every month I requested the bank to stop these transactions cuz they were fraudulent after 1 month returns came back and they kept taking the money after 3-4 months they couldn't be stopped they changed my card then they put a stop payment on it they told me I had to close the account was the only way to fix it I asked for my money back they gave me some money back and then they took the money back again and said there was a time frame problem finally after the account was closed a month later I started receiving overdraft fees for this account because they're still letting these companies take the money out on a closed account and now they want me to pay overdraft fees and collection I did everything they told me about making this stop and they could not make it stop they told me that Visa has an agreement with them that allows these purchases go through

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 2019-09-14
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: Account information incorrect

Complaint:
Why did XXXX XXXX after selling my debt to XXXX   kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX XXXX.? 

Why? 
When? 
Who?

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 2018-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ), XXXX and 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 2019-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I made an electronic phone payment of {$280.00}. I also asked what the process would like to close my account now that I have a XXXX  balance. The representative explained the process. She asked if I wanted to close the account I said no not at this time. Two weeks later I received a letter in the mail that my account has been closed. I called Captial One and was told that I closed my account on XX/XX/XXXX. The phone rep. that I spoke to kept repeating himself saying that since the account has already been closed. I would not be able to have it reopened. I asked to speak the reps supervisor after the rep was of no help. I explained to the supervisor what occurred. He said that all phone conversations are recorded so they would be able to check back to the recorded to see if it was their error. I spoke to supervisor XXXX employee ID number XXXX. He said I could check back within 7-10 business days for an update. This was a relief because I understood that after review I would be able to have my account reopened since I clearly said to the rep that I did not want to close my account at this time. 

I follow-up with Captial One two weeks later. The capital one rep did not connect me with the same supervisor. I was connected with XXXX employee ID number XXXX. She said that because my card was a secured card it would not be reopened even though it was their error. I explained that their error is now negatively impacting my credit score. I am looking to apply for a mortgage in the next 3 months and this capital one account was my oldest line of credit. 

Captial one admitted that this was an error of their and was unwilling to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: GA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

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

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 2022-04-07
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a summons regarding an account I was not familiar with on XX/XX/21. I responded to disregard any legal action meanwhile disputing it with the 3 main credit bureas. I recently had to update it as identity theft. The debt buyer is now attempting to take me to court for an account that was never mine. I have only been provided monthly statements that they sent to an address that, at the time was not my current address. There is no signed contracts included. I have never seen this debt or the creditor and I am provided very little. They had another " collection '' account that was apparently mine but soon after my dispute with the 3 main credit bureas, they deleted it due to it not being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: VA
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2023-11-14
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date : XX/XX/2023 Amounts : {$420.00} Actions : I did not recieve any letters or mail until recently about my visit to the XXXX XXXX XXXX. I was told, that I was due the amount above. I would like some more informations on why that amount was due. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
My credit card along with my wallet and phone was stolen and there are a lot of unauthorized transactions/fraudulent transactions on my account and when I finally received a new phone I log into my account and now its closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went into XXXX  to get my car serviced. They offered me a discount if I filled out a credit application. I insisted I was not interested in any credit cards and that I was not looking for new credit especially when I was trying to buy property. They insisted that the application was not for a credit card and was not a hard inquiry and that in order to get a discount on the job they were doing on my car I had to fill out the application. I told them about ten times that I was not interested in any credit with them. They insisted that it was just an in house credit that would never Hit my credit. After I filled everything out they said I was approved for {$600.00}. I asked them how this could be if this was not a credit card application?? When I got home I double checked to make sure it was not on my credit! It appeared as a hard inquiry credit card! I don't want this credit and was essentially tricked into applying for it or the staff did not understand this application process.

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 2023-10-19
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 received an alert on my XXXX credit report from a creditor XXXX XXXX XXXX. I have never opened any account with XXXX XXXX XXXX I went to the police station and reported my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureau are required to remove any items that were opened without my knowledge, consent or authority within 4 business days with ( 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 ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX I went on my credit report to see what I could be eligible for and 3 hard inquiries were on my report I didn't recognize such as : XXXX XXXX XX/XX/XXXX Capital one bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I had called 2 credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: PLS GROUP, INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
My wife purchased two money orders from the PLS XXXX XXXX, California location on XX/XX/2021 at XXXX. Both money orders were purchased with cash, in the amount of {$1000.00} each. These particular money orders were different than the ones we were use to receiving from this specific PLS location. It appears PLS has eliminated their association with XXXX XXXX in terms of processing money orders and instead have taken to processing the money orders directly as a business. 

One of the {$1000.00} money orders was mailed to our landlords in XXXX XXXX for our XXXX rent ( XXXX ). The other money order, we currently still have in our possession ( see attachment ). Our landlords have made mentioned that they have not received our XXXX rent payment ( which was the money order that was purchased from PLS in XXXX XXXX XXXX. 

I called PLS of XXXX XXXX and was informed in order to receive a refund/reimbursement, we needed the receipt and stub of the money order. I did give the PLS agent the money order number, which she did a trace on and it has shown as NOT cashed of yet. We have the receipt of purchase, showing the money order numbers, but we can not find the money order stub for the one that has been lost/stolen in the mail. 

On XX/XX/XXXX, I submitted an online notification through PLS ' web site at XXXX, with the above stated information, but that web submission seems to have fallen on deaf ears with PLS. 

When the money orders were purchased, my wife was not informed that she needed to keep anything in particular in order to receive a refund, in case of a lost or stolen money order. My wife however, has kept the receipt as proof of the transaction. It has been frustrating, embarrassing, and difficult that our XXXX rent has not been paid to our landlords. But, it has been even more frustrating that PLS is not being accommodating for our lost money order DESPITE the fact that the money order has NOT been cashed. On XX/XX/XXXX, XXXX XXXX operator ID # XXXX XXXX reached out from PLS and informed me that PLS would NOT refund the money, despite the receipt I had, BUT, I could put a stop on the money order from being cashed. 

So now, PLS is holding our money, despite me verifying that I have a receipt for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a natural person, I am a living human being, i have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my of times. i damand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I am experiencing problem with Barclays JetBlue credit card 1. They charged me card fee after telling me they are refunding the fee and now there's interest and late fee 2. All my XXXX XXXX points were gone after closing the card

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 2019-03-29
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
was promised by mr. cooper finance company as part of the agreement to refinance my loan that they pay off an existing loan I had with XXXX XXXX in the amount of XXXX dollars but they did not pay that and when I call them I get no answer and no return call from them. mr. XXXX XXXX was the man who promised me this. loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

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 2021-03-27
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Over a month ago I downloaded the app XXXX. A app that allows you to buy XXXX  currency. I gave all the information they asked for. I sent pics of my Drivers license and added my bank account to their app. I began to buy XXXX currency through their app. Ive already invested around {$700.00} with them and they took that money out of my bank account over several transactions. Now a month later, my identification has still not been verified which means I can not withdrawal any of my money. I also cant put anymore money into it. Its absolutely locked me out from doing anything with my money. Ive emailed them three or four times and all I get is automated messages. They will not respond. They are basically holding my money and they should not be allowed to do this! They need to verify my account so I can have the ability to withdrawal my funds if need be or buy more XXXX. Tons of people are experiencing this issue. I seen all over XXXX. I feel helpless. They will not respond to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Spring Oaks Capital, LLC
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: Personal information incorrect

Complaint:
Between XXXX  of XXXX  to now Numeralss over drawn accounts and credit cards maxed out of my name with out auth or knowledge of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I XXXX XXXX am writing to request a correction of the following information that appears on our XXXX, XXXX, and TransUnion Credit report : My husband XXXX XXXX XXXX XXXX and I XXXX XXXX would like to pay the debt in half or have these listed below removed from our credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX - Amount - XXXX $ Phone number- XXXX XXXX XXXXXXXX- Amount- XXXX $ Phone number- XXXX $ XXXX XXXX- Amount- XXXX $ Phone number- XXXX XXXX XXXX XXXXXXXX XXXX- Amount- XXXX $ Phone Number- XXXX XXXX XXXX XXXX- Amount- XXXX $ Phone Number- 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