BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I opened a Capital One card in XXXX of XXXX. In XXXX of XXXX I was sent a letter to call Capital One to verify my ID. When I called they asked for XXXX types of ID verification : front and back of my valid Driver 's License or State ID, Proof of residency ( utility bill, etc. ) and copy of my signed Social Security Card. 

I am ok with the first two but asking for copies of my signed social security card, particularly after Capital One had a security breach and they took XXXX peoples SS information, is excessive. I have had many other Credit Cards, even background checks for Global Entry and none have asked for this. 

I requested an alternative form of ID and was told none is possible. That would be inaccurate, anything is possible as it's the companies policy, not a law. For example, my passport would be an alternative form of ID that is a XXXX document and requires a valid social security number. Why would my passport not be acceptable? 

Capital One did not make me aware that I would need to provide a copy of my signed social security card when I applied for this credit card. Had I been aware I would not have applied for their card. They put a hard inquiry on my credit score when they ran it and my credit will suffer from that for 2 years and I have not credit from the card to offset that hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy Case # XXXX that is not mine and does not belong to me. I have contacted the US bankruptcy court in XXXX WI. They have confirmed that they do not report bankruptcy filing to public record. I am asking for this to be removed from my credit report as soon as possible to avoid legal actions.

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 2019-06-06
Company: Experian Information Solutions Inc.
State: WA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX   ( Original Creditor : XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Despite many telephone conversations with their " technical support team " they are unable to operate the TV boxes. When I asked to send XXXX  TV technician to my house to fix the problem, their answer is that all the problems are solved via telephone .FYI all the phones calls are directed to XXXX not in the XXXX of that I have sent back the 3 TV boxes and cancelled their service in XX/XX/XXXX.All the details are included with the package sent to Capitalone bank to backup my complaint.Capitalone is the one who failed to protect my rights and kept credit my account one day and debit my account in the next transaction.This situation has been going on since XXXX until now as I am typing this message.I am retired and my only source of income is from my social security and this situation has created a very serious impact in my income. 
Looking forward to your help. 
Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Jim Bottin Enterprises, Inc
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 and it's affiliate ABC Fitness solutions fraudulently charged my card XX/XX/XXXX for a membership that was put on hold XX/XX/XXXX and cancelled effective XX/XX/XXXX because XXXX XXXX was negligent in processing my cancellation timely. After several phone calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and text messages ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was finally able to speak with XXXX tonight and he is stating that my contract verbiage " If, by reason of death or disability, the person agreeing to receive services is unable to receive all services for which he has contracted, he and his estate shall be relieved from the obligation of making payment for services other than those received prior to death or the onset of disability, and that if he has prepaid any sum for services, so much of such sum as is allocable to services he has not taken shall be promptly refunded to him or his representative. For the purpose of this section, 'disability ' means a condition which precludes the buyer from physically using the facilities and the condition is verified by a physician '' is only referring to a permanent disability ( not a disabling injury that will take months, up to a year to heal ), only referencing when a lump sum is paid and not a month by month membership and that there is still a 30 day notification requirement, regardless of the verbiage about being " relieved from the obligation of making payment for services other than those received prior to death or the onset of disability. '' The cancellation policy that begins on page XXXX of the XXXX XXXX XXXX attachment does not state any such information. Additionally, the contract does not state anything about a hold or freeze period, which XXXX and other gym employees state requires 30 days notice. Furthermore, an XXXX dispute such as this where I revoked authorization XX/XX/XXXX, is now considered unauthorized under both Reg E and Mastercard Zero Liability, thereby the gym also violated Reg E by not providing a resolution within 10 business days of the date of my XX/XX/XXXX email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
I opened a Credit card on XX/XX/2013, the company name is Discovery Bank they failed to comply with Consumer Laws and has the account shown as a Charge -off which charge off is a canceled debt so it shouldn't be on my credit profile did not send me a 1099c form. I sent them a charge-off letter all they sent me is the receipt it is also outdated which makes it inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted experian, XXXX and XXXX XXXX advising them that the accounts for XXXX XXXX XXXX  ( opened XX/XX/XXXX ), Swiss colony ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.

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 2018-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I reported a fraud charge to capital one. On XX/XX/XXXX, the funds that were disputed were credited back, and available to use. At XXXX XXXX  on XX/XX/XXXX the disputed amount was put on a shadow hold. They are no longer available to use, but the hold does not show on my activity or statement. I was told that I can not overpay to cover the disputed amount and it was suggested to me by a fraud protection manager named XXXX that I apply for a credit increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 

.

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 2022-11-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked to company to send me a signed document with my name on it to prove the debt belongs to me. They failed to do so.The debt is also reported as a open status.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
We fell behind on making payments with the company since I am only paid once a month now. We have informed the company that we can only make payments once a month and will eventually get caught up. The have called my husband 's work multiple times even after he told them to stop calling because he can not take personal calls at work. The woman he spoke with today threatened him and said she would call his work everyday until we are " caught up on our bills ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-01-30
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have a Macy 's credit card and I paid my outstanding balance on XX/XX/18 using my XXXX checking account, however, they keep charging me for original amount+past due because on their end they can not locate my payment. They called me multiple times regarding this issue and said that I did not pay my balance. After several conversations, I was able to talk with a XXXX and faxed my bank statement showing the full amount payment. In spite of all these actions, they refused that I made a payment.

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 2020-06-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted two disputes to TransUnion on or about XX/XX/XXXX using their online system. No dispute was filed.

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: 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Performant Financial Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've ask the collector not to call my work number. 
The XXXX XXXX collection still continues to call me at my place of work.

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 2020-09-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bought a mattress from Macys XX/XX/XXXX I did not have enough credit available on my regular card. The salesman called Macys and received approved for {$3800.00} and did not explain that this was a 24 month program and if I did not not pay if off during that time I would be charged {$2700.00} in XX/XX/XXXX. I have made regular payments on this account since then and today got my statement that shows a balance {$5500.00}. I mentioned that the salesman did not explain the details of this type of account and that I was in no position to pay it off to avoid the extra charge. They offered me arrangement to may {$840.00}. for 3 months until XXXX and they would waive the {$2700.00}. I stated that due to the COVID-19 pandemic I was not able to make such a payment and was in a mortgage forbearance with my Mortgage. Again, had the salesman gone over the details of the credit, I would not have made the purchase that day. They should have explained the details. Now I own more than the mattress cost. I will be pay double the amount. I talked with 2 customer service reps and 2 superviser. They did not offer any reasonable solution. SHAME on MACYS.

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 monetary relief