BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: DE
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 sent a letter over thirty days ago asking for methods of verification to credit bureau and creditor I have received no response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Company who contacted me today, XX/XX/XXXX, had all of my personal information, address, social, date of birth, and mobile phone number. They rang me from a number that was local to my area code and state. The number they called from is : XXXX. The name of company is : XXXX XXXX XXXX. They claim that I owe a private student loan through them for XXXX from XX/XX/XXXX. They list a college that I did not attend, XXXX University, and a client they represent under the name XXXX XXXX XXXX. I have never been a client of that company. Until today, XX/XX/XXXX. I had never heard of this company, have received no notices or bills demanding a payment. They claim to have received my name and contact information in their office on XX/XX/XXXX and they demanded that I settle the debt, and mentioned that " the account is too old for them to sue me, but I can settle it now for a lessor amount. '' I do not owe this bill. I reiterate that I have never attended XXXX University. I asked that they send me the copy of any signed agreement or promissory note for verification purposes. They claim that they do not have the contract in their files and it would be sent via their client, XXXX XXXX XXXX. I do not want this debt to appear on my credit report. All of my private student loans are consolidated through another legitimate company. I have since contacted my debtors to find out if they have either name on my accounts or a debt for that amount. They report no such findings. Please help. I wish to file this complaint with your office. This is clearly FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is in violation and I am pursuing monetary compensation per violation. 
( Please see attachment )

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 2017-09-18
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: Old information reappears or never goes away

Complaint:
Nothing happened after making issue known. 

There was computer glitch with Transuion on 2 separate occasions, their problem and not mine which caused my inquires to be deleted then added the back without a written explanation to me about it.

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 2023-01-18
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: Information belongs to someone else

Complaint:
I was a victim of identity theft I filed a report with the federal trade commission and let the credit bureaus and collection company fair collections and outsourcing know and attached the report to my dispute. all but Equifax has not removed the debit collection from my report. I filed over 6 disputes attaching the FTC I didnt identity theft report and still its not been removed from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, These accounts must be validated. Please authenticate these accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/18 Received a call, the lady was extremely aggressive from the beginning of the call. I explained that I don't have the extra money now and I'd be happy to call them when I was able to pay something. She then started to have foul vulgar language so I disconnected the call. I have never been spoken to like that from anyone calling my phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: LEXISNEXIS
State: VA
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.

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 2022-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a simple savings account with Capitol One, and have had it for over 20 years. Just savings. I transfer money every month from my main credit union into this account. It is an emergency savings account. 

I can not access the account now until I tell Capitol One what my salary is and if I am employed. ( I am gainfully employed full-time. ) It is an overreach for them to ask this information from a customer that only has a savings account! I do not have any loans or credit cards or checking account with Capitol One. This is an overreach. 

I can not get into my account now! I need to transfer this money to pay some bills. 
This is an outrage. I will probably have to close this account and just stop dealing with Capitol One, but how can a bank demand to know my personal income when I have not asked them to loan me any money? It's wrong and an overreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-07-27
Company: SCA Collections, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a negative account on my credit report from SCA Collections. I have never received any information about this account from the company reporting the information. The company has refused to send me information about this account

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 2022-02-26
Company: Block, Inc.
State: MI
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:
I received a Square Debit Card today ( XX/XX/26 ) that I did not apply for. It came under my name to my home address. The included info says it was issued by XXXX XXXX. I have tried several times to reach fraud support with no luck. I need this card closed out as fraudulent immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was in a process of buying a coop apartment. 
Here is my experience. 

XX/XX/XXXX I signed closing disclosure. Right after signing the closing disclosure I received an email from XXXX XXXX XXXX, XXXX asking me to wire the money ( cash to close ) to the title company. The emails were fraudulent. Emails were never sent by the mortgage company. 

XX/XX/XXXX I wired {$33.00}, XXXX ( cash to close ) based on the fraudulent emails from my XXXX XXXX account to the Title company account in Wells Fargo. Apparently it turned out to be a private account and not the title company account. 

XX/XX/XXXX I received a call from my transaction attorney asking me to go to XXXX XXXX and reverse the wire because money went to the private account. I was also provided with the phone number of Wells Fargo Fraud Department and the case number.

I called Wells Fargo Fraud Department from my XXXX local branch. 
I was explained that they noticed something was off and opened up a fraud case however didnt not stop the wire. The lady also mentioned there had been another fraud on the same account prior to me wiring the money. This is why they suspected something was fishy. 
Wells Fargo requested an indemnity letter from the XXXX XXXX to be able to reverse the wire. 

XX/XX/XXXX I filed a police report. 


After multiple conversations with the XXXX wire department my case was referred to XXXX XXXXraud Department. 


XX/XX/XXXX My case was approved by the legal Department of the XXXX XXXX and indemnity letter requesting to reverse the wire based on the fraud was sent to the Wells Fargo. 


XX/XX/XXXX Wells Fargo wired {$16.00}, XXXX back on my XXXX account. 
I received the response from Wells Fargo over the phone that the rest of the money ( {$17.00}, XXXX ) left the account and they were not liable for the loss. 


Since that time Ive had multiple conversations with different people from Wells Fargo Fraud Department including Vice President XXXX XXXX who explained to me that Wells Fargo were not able to do anything else and not liable for the loss. An official letter was written and sent to me. 


Id greatly appreciate if you could help me understand if anything else could be done to recover my money. I also feel very strongly that no person should go through such horrible experience. 

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 2023-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My name was forged on check that was cashed without knowledge or awareness of the check. The funds are suppose to be getting sent to me or the company that wrote the check. However l, the funds are being held and not released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 ACC 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.

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 2020-07-27
Company: JPMORGAN CHASE & CO.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been trying to get my refund approved from Chase BankXXXX XXXX XXXX XXXX supported by Chase for the last 3-4 months. The airline keeps me redirecting to Chase and Chase does the same thing. My money ( points ) are being held hostage despite the fact that both US DOT and XXXX XXXX XXXX mentioning that customers are eligible for a full refund when a flight is canceled by the airline themselves. I even got an email from XXXX XXXX, XXXX " refund of your ticket to the original form of payment which can be obtained by contacting XXXX  Call Center at XXXX '' ). Obviously, they do not respond when I try and reach out to them. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX Requested a new relationship manager at Wells Fargo. XXXX XXXX and his boss XXXX XXXX have repeatedly blocked XXXX 's XXXX attempts to switch over.

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 2020-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
On XXXX XXXX I purchased {$400.00} worth of gift cards from XXXX XXXX company. While recently reviewing my credit card charges, I saw a charge for XXXX XXXX on the same line as the XXXX XXXX charge. When I contacted XXXX XXXX company, there response was that Capital One had made the mistake. 
Ive never flown on XXXX XXXX and do not want them to have my personal information due to the fact that I do not trust the Communists XXXX government. 
I have not received any kind of explanation from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello CFPB, I was reviewing my bank statements XX/XX/XXXX and found that someone had used my Chase debit card for a charge of {$370.00} at a XX/XX/XXXX in XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I was in XXXX XXXX County at the time of the incident and have an affidavit from work as evidence of my location in the day time and can obtain an affidavit from my night job if need be. 
I have not used my debit card for any in-person purchases in over a month ( as my bank statement will attest to ) and I did not realize my card had been charged until I saw this fraudulent charge on my statement three days after the incident. 
The most ridiculous thing was that the card was in my possession the entire time! How could anyone have used it anyways? 
I called Chase to let them know someone had committed a fraudulent charge on my debit card, used it in XXXX County, and asked that Chase please send me a new card and reimburse me for the incident. They did so on XX/XX/XXXX. 
XXXX XXXX, XXXX my claim was reversed. When I called Chase, they said that since someone used my debit card with the chip and pin number, they recalled the reimbursement and charged my account for the amount I contested! 
I was physically present in XXXX XXXX county that day. I do not know of anyone living in XXXX XXXX, XXXX XXXX, nor have I ever traveled to that neighborhood of XXXX XXXX. I also have XXXX tags on pictures I took that night as to my location and can provide an affidavit from the two jobs I worked that day to prove that in no way could I have been present in XXXX XXXX, XXXX XXXX to spend an absurd amount of money on GAS in a XX/XX/XXXX ( XX/XX/XXXX 's don't provide gas, but that's how the charge shows up on my account! ) I even called chase claims department to determine if I could get the precise XX/XX/XXXX in XXXX XXXX where this transaction occurred and they could not determine such information from their records. All they could give me was a Terminal FIID : XXXX. I have tried to call XX/XX/XXXX customer service with no luck ( could not reach anyone ) and am very frustrated. 
Please understand I can not afford to have around {$400.00} stolen from my account. I have already tried contesting the claim twice. 
If Chase Bank does not have the security measures in place to protect me in such an event or reimburse me when there is fraudulent activity on my account, I will be switching to a different carrier. I hope you can help me as I am the victim of identity theft. 
I was notified by Chase Bank Customer Service that if I was to provide evidence of my geographical location at the time of the incident I would have my case reconsidered, so I did exactly that. I have also filed a police report on this matter. 
Looking forward to hearing from you. Thank you for your time.

Company response to consumer: Closed with explanation