BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
This is the second time I have had this issue with Capital One. 

Capital One refuses to discuss my account with me when they know I am recording. Georgia and Federal law are one party consent ; therefore, I have the legal right to record any conversation, to which I am party, with or without the other person 's consent. Capital one refuses to discuss my account and disconnects the call. 

I offered to stop my recording, if they stopped theirs. I was told they would not halt their recording, but still would not speak to me if I was recording. 

In this instance, my wallet and cards were stolen. I reached out to Capital One immediately on or about XX/XX/XXXX. I informed them that my accounts were frozen by XXXX. They sent a new card quickly. Because the payment was due by XX/XX/XXXX they locked my card. My accounts were unfrozen at XXXX on XXXX XX/XX/2022 after receiving documents the evening before. I called merchants who make automatic charges to the card as instructed, but Capital One would not allow the charges. 

When I called to discuss, I reached an agent who refused to talk to me because I exercised my State and Federal right to do what they do and record the conversation. 

Capital One 's policies do no supersede Federal law and rights in any regard. Their training, policies, and procedures need to change to be in accordance with said laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Im reporting fraud via my checking account and XXXX scam from a XXXX marketplace interaction. I have documentation to support the theft and fraud. I have previously reported this to my banking company ( XXXX ) but they claim I authorized the charge and transfer which I did under the pretense of a return funded by XXXX which did not occur. The scammer told me that I needed to download XXXX in order for them to pay me for a item I listed for sale for {$200.00} ( indoor spin bike ). They then said bc I did not have a business account they needed to pay {$500.00} and asked if I would be willing to refund the {$300.00} once the payment went through. All this time I was receiving fake emails from XXXX which appeared legitimate at the time saying these transactions were taking place. This scammer did not send {$500.00} and I sent them {$300.00} from my account. 

According to the Electronic Funds Transfer Act of 1978 I am hopeful I can have my money returned as this fraudulent behavior occurred. It was as if it was stolen from me, no different from debit card or credit card fraud. 
I have supporting screenshots, emails, etc of these interactions. 

The person was named XXXX XXXX and used the email XXXX in their XXXX acct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions 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:
" Seriously delinquent '' and " late payment '' and " 30-90 days '' incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" Seriously delinquent '' and " late payment '' and " 30-90 days '' incorrect

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 2022-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was lost and there was fraudulent charges over {$10000.00} Bank of America denied my claim stating it was authorized. I Appealed the claim and send evidence from the merchant stating that the transaction was not dont by me and they said to do a charge back to receive my funds. 

Still now Bank of America has not giving me my provisional credit for the total amount even though they are supposed to I need my funds back

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 2022-07-28
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i have a mortgage with mr cooper. i tried to sell my condo since XX/XX/21 at value price but was unsuccessful. the condo has been empty since XX/XX/21, as i relocated for work. the condo is under water and i applied for a shortsale in XX/XX/21, which first requires a loan modification. this application for loan modification and shortsale has dragged on since XX/XX/21 endlessly. mr cooper asks for a small new piece of financial information every one or two weeks, which i immediately provide, and this process has repeated itself over and over since XX/XX/21. i have continued to pay hoa fees since then and this is financially burdensome to me. my assigned representative is not always available and, when speaking to someone else, a different answer about what is needed or about the current status is provided. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Resolution ( Delete listed accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: LA
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 account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act 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 also states that a consumer reporting agency can not furnish your 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 explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a consumer client of XXXX XXXX since XX/XX/2021. All of my payments have been paid on time on or before the due date. 

XXXX XXXX is violating my consumer rights by reporting inaccurate data on my XXXX and Equifax consumer reports. 

I have repeatedly disputed the late payments with my verified method of payment bank statement which proves that I made two payments to XXXX XXXX in the month of XXXX satisfying XXXX 's payment and XXXX 's payment. However only on XXXX and Equifax XXXX XXXX if reporting my late for those two months. 

I have sent over the statements to XXXX XXXX as well as to the CRA 's and nothing has been updated accordingly and so I am reporting this deceptive and abusive debt collection act to the CFPB in hopes of having the CRA 's and XXXX XXXX fined for damaging my credibility and causing my severe duress and loss of extension of credit. 

I have attached the XXXX XXXX XXXX  statements to this complaint. Thank you and have a good day!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX I was made aware of the XXXX data breach and was given compensation and free credit reports for the credit bureaus. I have not been able to acquire any free credit reports nor unable to to log into TRANSUNION free service to dispute or follow up or my requests for removal. 

My consumer rights and privacy have been violated. 
I did not authorized these companies to pull my credit report. 
I want these removed immediately or I will sue for the lost time and headache dealing with this. I have attached an FTC Affidavit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XX/XX/XXXXXXXX ) which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: TX
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:
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-11-07
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Please refer all my complaints about Keybank. I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX XXXX XXXX XXXXXXXX that i need to call the bank. As I have two bank account with Laurel Road XXXX Keybank. Checking ending in XXXX and saving ending in XXXX Today I received this letter from Keybank that they closed my account and sent me a check for {$10000.00}. I asked them to provide me all the statements as I am not able to access it online. Keybank hasnt provided me the statements till this point of time. I want to make sure that my direct deposits from employer happened on time and right amount. Plus I also want to see whether I got my {$300.00} cash back bonus or not plus whether Keybank applied interest correctly or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I re-submitted a complaint on XX/XX/23 about Citizens Bank depositing escrow surplus funds that are due to be refunded to me. XXXX XXXX from Citizens Bank called me on this same date and left a message for me to call her back. Today, I have called her direct line, emailed her, and called customer service for her to call me back. I have yet to get a response. I am XXXX  to hear from her because Citizen 's Bank owes me over {$11000.00} that by law must be refunded to me. I want to know the status of repayment of this money. I want to know the status immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: World Acceptance Corporation
State: TN
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:
World Finance Corp. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft World Finance Corp, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within 5 business days of this complaint date. Also, All three credit bureaus XXXX, XXXX, & XXXX- Please remove asap. 

WORLD FINANCE COXXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name WORLD FINANCE CORPORAT IDENTITY THEFT / FRAUD ACCOUNT Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ 316 Monthly payment- Past due amount {$490.00} Account name WORLD FINANCE Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

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 2022-11-17
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:
Reporting agencies XXXX, XXXX, and Transunion have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: WI
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  account # XXXX XXXX  XXXX  account # XXXX XXXX  XXXX  XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX us dept of edu account # XXXX XXXX  XXXX  account # XXXX XXXX  XXXX XXXX account # XXXX XXXX  XXXX  account # XXXX XXXX XXXX  XXXX XXXX XXXX # 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Urgent Refund Needed for Overcharged Lenders-Placed Insurance - Loan # XXXX I am writing to report a significant overcharge issue on my account ( Loan # XXXX ) with Fay Servicing . The excessive amount of {$18000.00} has been charged for lenders-placed insurance. The breakdown is as follows : - XX/XX/XXXX : {$6900.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$7200.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$4200.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$27.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$280.00} for lenders-placed insurance. 

During this period, I had my own insurance in place, making these additional charges unjustifiable. Despite my attempts to resolve this issue, Fay Servicing has been unresponsive and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX XXXX XXXX XXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXXXXXX XXXX ran an unauthorized hard inquiry against my consent. I contacted XXXX to file a complaint online contesting the inquiry and attempted to contact EquiFax online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXX XXXX  from another representative from XXXX XXXXXXXX XXXX soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.

Company response to consumer: In progress