BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My back account was close because of fraud activity they did not do any investigation at all. So they just close my back account I do n't have any idea what happened I would like this to be fix and clear my name they said I deposit a check that was no good I do n't use check so I want to my local police department to file a police report I do n't know who would do this but I need to get this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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:
I made a purchase from XXXX XXXX XXXX using my Capital One credit card on XXXX XXXX XXXX. Transaction details as below : Merchant : " XXXX XXXX XXXX '' XXXX : GBP XXXX ( or {$33.00} XXXX. 
Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time ) The above transaction was deemed a XXXX XXXX without my knowledge or consent, and I was subsequently charged {$10.00} fee on XXXX XXXX. I reached out to the merchant XXXX XXXX XXXX XXXX on XXXX XXXX via phone ( and email ) and they confirmed that the transaction was a credit transaction to the best of their knowledge, and Card company should not have charged a Cash Fees. 

I followed up with Capital One ( Card Issuer ) on XXXX XXXX and XXXX XXXX ( over phone ) and was told that they are helpless as the transaction was a wire transaction made in Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: NCB Management Services Inc.
State: MO
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 to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & NCB Management Services XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX of current 2020 I made Big Payments to my Car Loan on multiple transactions that added up would equal {$11000.00}. The reason being to bring my car loan down to up to 10 Months payments in order to work with my bank towards the process to purchasing a house. Those payments were received and posted on my Car Loan at Hyundai Motor Finance USA. I called several times about discrepancy on what I actually owe ( principal balance {$3300.00} ) versus my payoff balance that is reflected on Hyundai Motor Finance ( {$12000.00} ). I haven't received an email or call from Hyundai about this matter, but I have being calling and speaking with customer service about this to clear it up. This has been going on since XXXX until today XX/XX/2020, my problem has not yet been fixed. I had spoken to a supervisor in customer service, and they acknowledged that the company back in XXXX had a mayor software upgrade that might have affected my payments being in the cloud. They told me they would get it fixed within 3 to 5 business days, and today after 2 weeks I am still in the same spot, nobody has an answer for me.

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 2017-07-26
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or around XXXX/2015 received call from this company ERC stating I owed XXXX on a XXXX XXXX cable bill. I thought company sounded suspicious so I told them that I would not pay over the phone with them but I would call XXXX XXXX and pay them.
I was later told by rep. for ERC that I should have paid ERC. and so now it reflex derogatory mark on my report and score which I 'm trying to repair. Can you help get this mark of report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collections letter from CBE Group Inc, attempting to collect a debt that they claim I owe XXXX XXXX. The amount is {$45.00}, as of XX/XX/XXXX. I do not know who or what this company is, I have no knowledge of who or what XXXX XXXX is either. I XXXX  the company name and it is a XXXX XXXX XXXX that has been out of business since XXXX. I have never done any business with the XXXX, I have no reason to need this companies services nor have I ever done any business of any kind with them ever. 
This is an attempt to collect a false debt, If there is any further communications received or if this supposed collections account shows up in my credit report I will file legal actions against CBE Group, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: JPMORGAN CHASE & CO.
State: CA
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 am writing to you with the request for help in recovering {$50000.00} that was stolen from my Chase checking account. 
On XX/XX/XXXX I noticed unfamiliar charges on My Chase bank checking account from some unfamiliar XXXX accounts and I has called the Bank and XXXX and reported the problem. 
The unauthorized transactions started from XX/XX/XXXX until I noticed it on XX/XX/XXXX. 
Total of approximately {$50000.00} was stolen from my checking account via multiple XXXX transactions where the amount was gradually increased from {$15.00} to {$3900.00}. I am attaching the list of all fraudulent transactions. 
I filed the claim with the Bank and they refunded me just {$2900.00}, the amount that was stolen within 60 days from when the transactions started. This amount was obtained by the Bank by reversing those XXXX transactions that were made within 60 days from beginning of fraud. I am attaching the letter from the Bank. 
I filed the claim with XXXX, and they found that a female person in US used her XXXX account and somehow got access to my Chase checking bank account and used her XXXX account to steal money from my Chase checking account. 
XXXX told me that they are willing to return all stolen money as soon as Chase will send a request for it. Specifically, XXXX is asking that Chase reverse all remaining transactions that were made from XXXX, i.e. charge the XXXX back. 
But Chase refuses to reverse the transactions that go beyond 60 days. 
As a result I can not get my remaining {$47000.00} money back. 
These money is my lifetime saving and it is critical to me to recover them. 
I looking forward for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: MO
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. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Closed accounts that are on file are a result of identity theft I have reached out several times about these items that will be listed below. 

XXXX XXXX  Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : 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 explanation
Consumer complaint received 2015-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card from Bank of America was stolen on XXXX/XXXX/2015 ( going by the account activity ). The person who stole it knew my pin number and also gained access to my online account and changed my password. I have absolutely no idea how these people obtained all my information. They deposited a check for {$3300.00} on XXXX/XXXX/15. Even though the signature in the back of the check did n't remotely resemble mine and I do n't believe they could have provided a valid ID, the funds were made readily available without a hold. These funds were used to make several purchases. When the check came back for insufficient funds and was debited from my account on XXXX/XXXX/15, the account balance went down to - {$1000.00}. The bank continued to approve purchases and debits for XXXX additional days until I finally realized my debit card was missing and I called them to notify them. By then, my account balance was - {$3500.00}. They said they would open an investigation that would take up to XXXX days and the very next day I received a letter saying they had completed the investigation and found there was " no error in the instance '' and I was now liable for all that money. So their investigation took one day during which no one contacted me to ask me anything. I filed a police report on XXXX/XXXX/15 because someone from the bank asked me if I had filed a police report. I filed it late because this had never happened to me before so I did n't know what I had to do. The bank alleges they called me on XXXX/XXXX/15 to verify the charges and I said they were ok. I do n't remember ever getting that call. When I asked them for a copy of that conversation they said they could n't give it to me because only the police had the right to ask for it. I have left a few messages for the police investigator that was assigned to my case that have gone unanswered. In the meantime I ca n't open an account anywhere else, I ca n't deposit my work checks anywhere and my credit has been compromised. I think the bank should n't have accepted the initial deposit of over {$3000.00} without proper identification and without verifying my signature. They should have at the very least put a hold on the check until it cleared. They also should have detected the unusual activity in my account and taken the proper steps to alert me of the situation. I need help please! Who should I contact? Who regulates the banks? 
I want to clarify that the only reason the bank reopened the investigation XXXX was because I called them to tell them they were wrong and they needed to investigate further because I did not make any of those charges. As far as they were concerned their so called investigation was resolved in XXXX day. Never, during any of their XXXX investigations I was ever contacted by anyone to ask me anything at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a bank account with Bank of America and closed it because they held a deposit that caused my account to overdraw. All the did was apologize so I closed the account and paid off the checks that did not clear now they are billing me and reported to checks system that I owe them {$430.00} they see that I withdrew {$1900.00} to pay off checks because of their mistake and want me to pay XXXX of the {$430.00} this was their error and it cost me even more. I want this account to be resolved and deleted also a fraud investigation opened because they have been stealing money specially from XXXX customers. Please call me 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 2022-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing this due to non-compliance with the CRA ( Transunion ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the accounts are accurate but have not produced any documents. There is no way that these tradelines is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.

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 2017-11-14
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:
Car dealership ran my credit for a car loan several times on XX/XX/XXXX to 9 different creditors. Now Credit reporting agency are reporting a high inquires when its only supposed to be reporting as one since the credit was ran within a 30 day period. I also ran my credit on XX/XX/XXXX for a car loan too

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 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America has been collecting payments from me for months and today I visited a branch and the representative there told me my credit card account had been closed. I called the number on the back of the card, first talking to the credit card representative, next talking to the collections representative, then finally talking to a customer service representative. Neither of them could send me documentation in regards to them closing my account. I still receive statements for the credit card account and make payments on it. However, there is no documentation sent to me in regards to what status the account is in, how they are applying these payments, and how the account was closed in the first place. I asked how this account is being handled ( if it is in collections ) and nobody at Bank of America could answer that question. They should said to pay it or else. They did say the account was closed around XX/XX/XXXX of XXXX. I visited the branch on XX/XX/XXXX of XXXX, 6 months and I had no idea I was paying on a balance that was not tied to my credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My husbands Capital One card had fradulent charges. Called Capital One and they advised that he get a new card. Then a month goes by and he receives an email that the account is past due. We called Capital One and they said that the account was put on paperless billing, we did not agree to that. So frustrated I told them to send us the rewards credit of about {$300.00}. They said they could not because we owed {$200.00} and they would not apply. I paid the {$200.00} and now they told me I was not allowed to have the rewards credit. I closed the account. Can you help get the {$300.00}? We have been a customer for nearly 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my card was stolen and used fraudulently for the next week or so I contacted Cash App as soon as I noticed it was used the first transaction was a debit from ATM for XXXX then another charge at XXXX XXXX for XXXX then a bunch of charges later that didn't go through a few more did I told them my card was stolen and used with out permission they still did not cancel card right away then they did not return any of the money 's the card was used and tried a few more times before they finally. Cancelled card then they said there investigation was final that it was not used fraudulently but I'd they even investigated at all they would of seen neither incidents they where used by me they never returned any of the money I was inform that this is not the case that they should of return the money due to the protection of the federal banking system please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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. 

XXXX. XXXX XXXX Co Account # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX. XXXX XXXX of XXXX Account # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 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