BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: Comerica
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This has happened several times with this horrible company. The XXXX ; transaction alert, 4 charges. I immediately called DE, reported and canceled compromised card with new one to come. I then called the company and reported to them. They advised me they will return funds. XXXX ; call to offer ending company. They informed me DE took the funds back on XXXX, because I filed a dispute XXXX. This is incorrect. I was told to wait 5- 10bdays maybe funds will show, but assured me DE came in and took the money back. I then inquired if this is what DE did. They said no. On XXXX I got their decision. DE said the opposing company had sent them " proof '' that my argument is meritless, therefore no more action. I called to talk to dispute dept. I was told by several reps that there is no recourse. They don't have people who can talk to me. I can not see this '' letter of proof " against me, and there's nothing anybody can do. Decision final. Told me they don't go by bank laws because they are not a bank but a credit card company. Therefore they have the rules of that company. She would not let me see this false " proof '' someone cooked up or anything to do with myself

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today, Friday, XX/XX/2023 at XXXX XXXX an email and a text message came through congratulating me and thanking me for opening a checking account with Capital One bank. The issue here is that I never opened a checking account with capital one and unfortunately had to wait until XXXX XXXX to call them since that is when they open. I spoke for almost an hour to different agents, and none of them were able to provide any clear information or next steps or transparency around the fraudulent checking account that was opened in my name. They told me because I did not open the account they could not give me any information even though the account was opened in my name fraudulently. I spoke with three different consumer protection agents at Capital One : XXXX, XXXX and one female named XXXX, and all of them stonewalled me and gave me the same company spiel about privacy, which is all great, except it was my privacy that was being violated and they were doing nothing about it. They told me they flagged the account as fraud and they closed it and further communication would be sent right away, but I have not received any communication or confirmation that the account was actually closed. I was also told that because it was opened and closed the same day no big deal basically and there is nothing that happened but actually it is a big deal to me because they allowed a fraudulent account to be opened under my name and they were offering no guidance, no instructions, no follow up, no confirmation, either written or on the phone about any next steps or things that I could do to protect myself from this happening again. I do not bank or do any business with capital one and it felt like they were being dismissive and flippant about this fraud that was committed. They did not send an email to confirm that the account was closed and would not tell me about follow up actions or steps that were going to be taken by them. They left me with nothing other than have a nice day. I am disgusted by capital one, and their consumer protection department, because they did nothing to protect me or ease my concerns and I need to know whats going to happen, and what next steps theyre going to take to protect me from this happening again. I was trying to get information so that I can protect myself but they kept citing privacy. Even though an account was opened under my name they kept citing privacy concerns. Whos privacy are they protecting? The person who committed the fraud or are they trying to protect themselves from legal liability? I need answers and I need this to be investigated more thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I set up 4 auto payments for my Kohls card. I set up a auto payment on XX/XX/2023 to pay {$30.00}. XX/XX/2023 to pay {$200.00}, XX/XX/2023 to pay {$30.00}, and XX/XX/2023 to pay the remaining balance of {$230.00}. On XX/XX/2023 ; Kohls withdrew {$230.00} from my checking account which I never authorized that amount on that date, which caused my bank account to become overdrawn by {$23.00} and resulting in me not being able to pay my XXXX bill for {$75.00} or my XXXX bill for {$98.00} which is resulting in late payments for these bills. Kohls on their own decided to add my payments together each month to withdraw a bigger amount than I authorized. I get paid bi-weekly and was setting up my payments to correspond to my paychecks. I called Kohls on XXXX and they said I needed to call my bank. I asked Kohls to cancel my next autopayment since I did not authorize {$260.00} to be taken from my bank account I authorized a total of 4 payments not 2 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
n 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 : 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 explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: IL
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. 

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 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 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXXXXXX XXXX BalancedOwed : {$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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$470.00} ; XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  Inquired on XXXX XXXX ; XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  Inquired XXXX XXXX, XXXX ; XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX, XXXX ; XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX Inquired on 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 

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 2022-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have submitted several fraud claims which keep getting denied where someone has taken funds from my account. Its been going on for 2 yrs now n still can't get my money 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 monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
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 was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, 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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Balance {$0.00} ), XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$1200.00} ), XXXX XXXX CO ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX  ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Under previous complaints with CFPB where a complaint was submitted regarding the accounting of this loan # XXXX, the mortgage company failed to provide me with options for loss mitigation. I was only notified XX/XX/2023 by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX that SPS notified them that foreclosure proceedings had commenced and my coverage would be cancelled XX/XX/2023. I did not receive a written notification at the property address of XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX from SPS, Inc of foreclosure proceedings nor did I receive loss mitigation options. I contacted SPS, Inc XX/XX/2023 and spoke with a representative regarding one loss mitigation option ( repayment plan ) that was sent electronically through SPS portal and subsequently submitted an appeal due to not receiving the one option. I requested an application to see if I can do a modification and I was advised by SPS, Inc that no other options were available to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened my mail on XX/XX/XXXX and discovered a letter was sent to me about medical debt. AmeriFinancial Solutions , LLC. sent correspondence via U.S. mail on XX/XX/XXXX demanding payment for medical services that were rendered at XXXX XXXX XXXX XXXX on XX/XX/XXXX for my XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent my XXXX XXXX medical information to a company that is not licensed to conduct business as a consumer collection agency in the State of Florida. AmeriFinancial Solutions is engaging in unlicensed activity and is falsely claiming that it has a legal right to collect on a debt, which is in violation of both State and Federal law. According to the U.S. Court of Appeals ruling in XXXX XXXX XXXX XXXX XXXX, a consumer in Florida, pursuant to the federal act, can sue a collection agency for its failure to register with the Florida Office of Financial Regulation in violation of the state act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 explanation
Consumer complaint received 2022-11-29
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:
All 3 bureaus are adding " Reaffirmation of Debt '' each month to my XXXX XXXX XXXX XXXX XXXX card each month. They are reaging my XXXX XXXX that was XXXX in XXXX 

This is bringing down my score XXXX points each month and they are not fixing the issue & have closed or failed to respond within the specified time frames. 

XXXX, XXXX and TransUNion have negatively affected my accounts due to this erroneous reporting they are not correcting. It took me years to build up my credit and these agencies are not doing their due diligence in fixing the issue and coding on my credit file. They refresh the " Reaffirmation of Debt '' each month and fail to delete this from the file since the Bankruptcy was XXXX over 7 years ago going on 8 years.

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