BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am attempting to change my address, which they have on file for XXXX credit cards but not for this one ( Platinum ) in particular, for some strange reason. 

My issue is the bill and the payment notification WITH ACCOUNT information is being mailed to the previous address I lived at and compromising my privacy. Allowing the new people living there to access to my financial/credit card information. 

I attempted to change the address online but was informed due to my account being restrictive that I was unable to make the address change unless I called customer support. 

On XX/XX/2023 at XXXX I contacted Capital One at XXXX and spoke with representative " XXXX ''. 

I told her that I would just like to change my address. She asked me for my phone number for 'verification ', which I provided, then she told me that that number, which is my number for many years was not able to be used. 

She informed me that she could not change the old address to the new address, which mind you, is already on file with XXXX other Capital One accounts, without me 'verifying ' myself by uploading my ID to them. 

XXXX  ' also acknowledged when I asked her about this, that without that information the people who lived at the new address would still receive my bill and credit card info, as 'policy ' told her that she could not change my id without 'verification '. 

At this point I informed her to close the account. 

Which ... that's right. 

Did NOT REQUIRE ANY VERIFICATION. She closed my account without verifying it was me, or asking me for any information. 

I asked her if she realized how hypocritical and consumer hostile that was. Whereas she could cancel the account without any XXXX ', Phone # etc... but she couldn't change my address on the bill THAT IS GOING TO ANOTHER PERSON. 

She told me it was 'policy '. 

I then asked her to go paperless. Because we all know how companies bang the drum on going 'paperless '. And of course she told me .... she couldn't do that without verification. 

Unbelievable. 

Any REASONABLE person can see exactly what is going on here. I need assistance from the CFPB to protect my financial information from being mailed to an old address. Allow me to change my address. Or simply shift me to paperless billing. With out the 'fuax bs ' of needing 'verification ' to make account changes. 

If I can close my account without verification ( I could be anybody on the phone with XXXX ) I should be able to change my address, and protect my privacy and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have tried to fix this with XXXX XXXX as well as chase bank. I am owed over XXXX dollars from XXXX XXXX for 14 games that I never purchased. These were fraudulent and unauthorized charges that I need to get my money back for since I am not the one that purchased these in the first place. The chase bank account is already closed so it will need to be provided to me a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 my wife erroneously paid a {$350.00} capital one credit card bill by missing 2 decimal points and paying {$35000.00}. I contacted capital one the next day and they told me the bank I paid it through could take the money back. I did this and the bank was successful in returning the money to my account. I thought the issue was resolved until my bank notified me that on XX/XX/2021 capital one again took the money and used a technique that prevented the bank from getting it back again. This withdrawal was not authorized and constitutes fraud. It's now XX/XX/XXXX and after 6 phone calls and promises of the money being returned I am told it is under review. I have never dealt with a more dishonest and corrupt company as capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received an email the XXXX XXXX telling me someone was trying to get in my account.I call the bank and tell it was not me and not to let anybody change my information and this happened at XXXX XXXX  the scammer call them and they only verified my name, data of birth and my ss and not security code at the back of my card.The scammer get in my account after I report the issue and get in my account with out the right information and the customer service did not follow the note they suppose to do to secure my account and it been 10 day with out my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have an account that I am REQUESTING FOR REMOVAL OF OUTDATED INFORMATION To Whom It May Concern Please note that under Section 605 and 607 of the Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit report. The following items on my credit report are more than seven years old and exceed the statutory time period under this Act, and they be removed XXXX XXXX XXXX This account has been past the limitations date as well as inaccurate. 621. Administrative enforcement [ 15 U.S.C. 1681s ] I would like to avoid having to file any other complaints with the FTC over this issue. My Name is XXXX XXXX DOB XXXX SS 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 2022-12-13
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : Discharged XXXX : Bankruptcy XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: GVA Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by a man named XXXX XXXX claiming he is from XXXX XXXX XXXX. He claimed that I gave fraudulent check information or inaccurate checking account information to pay a debt. He said the debt was from Target Cash Now. I then received another message from an XXXX XXXX from XXXX claiming to from XXXX XXXX XXXX. She said I was going to be served at my place of work and the documents needed to me signed by me and my manager. She gave me a different number to call than XXXX XXXX. I called that number and the first time it went to voicemail claiming to be XXXX. I then called it back again and was able to speak to another person that sounded like XXXX XXXX the first man I spoke to. He said he couldn't give me any information and had to transfer me to a different department. He also wouldn't tell me what XXXX stood for he said it was the company name. The man that answered when he transferred me asked if I was recording the call and I said yes. He then said he couldn't give me any other information and hung up on me. 

I called Target Cash Now and spoke to someone in their collections department and he said the only company they use for third party collection was XXXX XXXX. 

These people need to be stopped!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX Capital One cashed a check for {$760.00} that was made payable to a different entity. 
On XX/XX/XXXX I called Capital Ones customer service line and spoke with one of the  representatives. After repeating myself several times using simple terms, I explained the error that I had made. 
I had inadvertently mailed Capital One the wrong check. I had mailed my office rent check to Capital One. 
My office, XXXX XXXX, an executive office suit, noticed the error quickly when they received the check that was intended to go to Capital One. 
I explained to the Capital One phone representative who had a difficult time grasping the concept that Capital One received the wrong check. When the representative finally understood, your representative said I should just wait and see if the check clears. 
It was to my surprise, it had indeed cleared. Capital One cashed a check that was made out to a different party. 
I mailed a letter to the attention of the Office of the President at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. 

Accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  Account # XXXX, has violated my rights. 
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 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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TRANSUNION, XXXX, XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

Concerning the accounts listed below as a CONSUMER IM DEMANDING A DELETION of these accounts ... ..

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 2017-09-11
Company: EQUIFAX, INC.
State: PA
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:
I checked my ssn on the Equifax breach page, and found out I was in fact breached, without any notification from Equifax, I then clicked yes to a free year of security given to those affected without any further information available on that link, I then read it does'nt protect you and that they had a hidden disclaimer the veiwer couldnt see that automatically prevents you from suing if you are a victim of identy theft related to their breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: United Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX called my job, told my co-worker that he was calling about documents. When I got on the phone, he never gave me the minimeranda. I asked him not to call me at my job. He said he didn't have to stop calling me at my job. That I would need to send that to him in writing. I told him to stop calli g me at my job. He said he was going to just put it on my cbr. 
I called him from my cell phone I asked to speak to XXXX XXXX. He never did any verification nor give the minimeranda. I asked if they had mailed me anything in writing he said yes but I was intentially avoiding it. I asked him when they had mailed me something, he said he didn't have that info but wasn't going to mail me anything else. He was rude & in both conversations I felt threatened by his tone. I asked for their address, he gave me a Texas address. I asked for their corporate office address, he said they were located in New York he didn't have it but I could call their # & they would tell me their call was legitimate.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-06
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I think, not sure, I have a medical bill that went into collections on XX/XX/2014 with XXXX XXXX XXXX XXXX in the amount of {$25.00} and {$84.00} for XXXX XXXX. I have never received a bill from XXXX XXXX  and do not dispute it. I'm simply trying to pay off this debt. if and when I finally get through to this office. They are rude and abusive to the tune of " why did it take so long '' and " whats my problem ''. I looked up this Michael Harrison on the internet and XXXX and found I am not alone with these complaints and I am not truly secure with paying them through the mail or if I do that this will be expunged from my report. I simply want to pay the bill if it is in fact mine. How do I go about this? Their staff is extremely rude and I do not feel that as a senior I need to be abused in such a manor for simply inquiring about this {$110.00} so called debt.

Company response to consumer: Closed with explanation