BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This is to report the theft of my XXXX year old son 's identity. We discovered on XX/XX/XXXX that my son 's social security number and name was used to open up a bank account through Capital One 360 for the purpose of obtaining a checking/debit card. Additionally, it is believed that his identity was further used to obtain employment as well. We are aware of who the person is that stole his identity. 

This is the initial action taken thus far. We plan to contact Capital One 360 on XX/XX/XXXX during business hours to report this fraudulent act and request that the account be closed immediately. We are also requesting documentation from you as proof of this report to take to the police department in order to file a police report of this theft as well,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: PINNACLE RECOVERY, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/XXXX a collection of the amount of {$27000.00} popped on my credit report. I have absolutely no knowledge of this account and I have never received a piece of mail or any correspondence whatsoever with this company. I would like to know why companies are allowed to ruin people 's livelihood with no real proof. I am in the process of purchasing a house and this will ruin my chances and make me lose out on thousands of dollars. I would like this rectified. 

Completely remove this account from my credit 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 2022-09-30
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:
In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX have violated my right 15 U S C 1681 section 602 A States i have the right to privacy 15 U S C 1681 section 602 A section 2 it also states a consumer reporting agency can not furnace my account without my written pemission

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 2023-07-19
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX is making us pay for a loan and services we never received. see attached legal documents and attempts resolution attempts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I scammed by my boyfriends advice. I used Coinbase to send my money to scammer website. But Coinbase XXXX help me to recover my amount like XXXX tools. All other cryptocurrency services help their customer. My money is still looking in scammer crypto wallet but they are not helping me. My a friend got back his money because he sent his amount on XXXX. Coinbase is not customer oriented service. Worst crypto service tool in US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: AL
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:
These accounts were opened under my social security number without my authorization. XXXX requesting these be removed asap. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
company has high fees and reports me late mistakenly

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 2023-08-28
Company: FIRST NATIONAL BANK OF OMAHA
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We applied for and was granted a Visa Card from FNBO, because there would be a discount of 50 per gallon, for a limited time, purchased from XXXX or XXXX stations. 

When the discount was only 30 per gallon, as per agreement, we contacted the bank via email numerous times for an answer, they did not respond. 

Now it appears they have fixed the Log-in, so we can no longer reach them by email. We input the Username and Password and receive a message that it is incorrect. We ask for the correct password/username and they are sent to the email address. When we try to re Log-in, we get the same message. So, we are in a constant loop. This is the main reason for the complaint. Not answering the question is only secondary to this.

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 2023-08-31
Company: Kikoff Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im having a problem with this company KiKoff Lending, due to the fact they are not being honest and trustworthy as a company. The company is not following FCRA law to protect consumers from inaccurate credit reporting. I have tried to speak with this company via phone, but they do not have a number. I spoke with them via email and tried to explain that they are obliged to remove this account from my credit report report because its inaccurate as when it was first reported late, and the high credit amount and the payment dates across each bureau differ. Under the FCRA law its their responsibility to report accurate across each bureau. By them continuing to report these inaccuracies, its drastically effecting me and preventing me from buying my first home. This has become very frustrating seeing how this company doesnt get back to you in a timely manner and its impossible to get someone on the phone. I have been dealing with this same issue now for over the past 120 days and made several different attempts via certified mail directly to Kikoff Lending and each bureau that they are reporting to. I have attached the inaccuracies in my credit report and have attached them verifying this information as correct which is not valid via pictures and circle how its different in each bureau and another picture showing how its reports 30 days late on one bureau but report paid on another bureau. I am requesting to remove this company information from my credit report entirely. Moving forward I dont want any further dealings with this company seeing how they are not fair or honest company. I also attached a picture showing the dispute from XXXX, where Kikoff reported it verified an accurate which cant be true, seeing all of the information I have provided you and the attachment showing its inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/2022 Capital One closed my credit card without consent, however, Capital One still accepted a payment to a closed account on XX/XX/XXXX. The company advertises no late fees or overdraft fees, I also made all my payments on time. The moment I have a returned check causing me to overdraft on my account, the company closed my card and reported my balance extremely over to the major credit bureaus 27 days before the statement date. 
Defamation of Character and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EdFinancial Services
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
At the end of XXXX or early XXXX I called ed financial services to request a refund on my student loans. I believe the amount is {$6100.00} from ed financial, and another {$1700.00} from another provider. At the end of the phone call I asked when I can be expecting the refund. They said that they did not know at that time. I accepted that as a answer because I knew there were tons of people calling in to get their refund and this was new to everyone. On XX/XX/XXXX I called ed financial services again specifically to see if there was any new information about my refund. The representative told me she doesn't know and there is no way to find out. To this day XX/XX/XXXX I still have recieved no information at all, nothing. I understand this is a new process but to not have my refund or at least my account reflecting the process is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
My complaint is against Bank of America. They have not answered the request sent to them from my bank, XXXXXXXX XXXX in reference forged and illegally cashed checks that Bank of America accepted. 

I wrote XXXX checks that were stolen from a local mailbox ( I did file a police report ) and the person washed the checks, forged a different name, and they were cashed illegally and funds withdrawn from my checking account totaling {$6700.00}. 

The first check was mailed XX/XX/XXXX for the amount {$2200.00}. It was written to the photographer for my wedding. 

The second check was mailed XX/XX/XXXX for the amount of {$4400.00}. It was written to the catering company for my wedding. 

On XX/XX/XXXX, I discovered the checks were washed and cashed illegally when my catering company asked where their check was. I immediately contacted the police and then called XXXXXXXX XXXXXXXX XXXX  required I fill out XXXX forms and get them notarized ( which cost me over {$30.00} ) XXXX received all required information to get my money refunded no later than XXXX XXXX XXXX XXXXXX/XX/XXXX. 

As of XXXX I still havent received my money. XXXX told me they contacted Bank of America in regards to the illegally cashed checks because the criminal who stole my checks cashed them through Bank of America. 

Bank of America allowed my funds to get withdrawn, I hold them accountable and liable for this situation. The checks were obviously forged, yet Bank of America cleared the checks. I believe an employee at Bank of America knows the people who illegally cashed my checks. It is clear that neither bank has proper policies in place that verify checks arent forged before cashing them. 

Anything you can do to help me get Bank of America to reply to XXXX XXXX in reference to my stolen checks so I can get my money would be greatly appreciated. 

Thank you, 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 2023-07-07
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I taken personal loan XXXX back in XXXX XXXX XXXX XXXX and I fully paid said amount... but they not update my last payment of XXXX but it shows outstanding balance of XXXX in XXXXXXXX XXXX ... Kindly resolve this issue..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-28
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I reported my account for fraud due to XXXX XXXX  and sent over a police report as well as a written personal statement and the bank in question continues to deny my claim and my rebuttals. The state that has all the charges I was no longer even living in and I provided a written statement for that as well and the company is not budging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
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. 

US DEPT OF ED/XXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-08-29
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX ( XXXX ) XXXX XXXX XXXX, 2023 Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX To whom it XXXX concern, On Saturday XX/XX/XXXX, I was made aware by XXXX Bank, that my XXXX credit card payment due on XX/XX/XXXX, in the amount of {$2000.00} was declined by my bank. I authorized that same day with the XXXX representative to process a payment of {$2100.00}. 
Subsequently I called my bank XXXX XXXX ( XXXX bank ) to inquire about why the XX/XX/XXXX payment was declined. The XXXX representative told me that XXXX ( XXXX ) did not receive a payment request from Comenity and that no payment was declined by XXXX ( XXXX ). 
On Monday XX/XX/XXXX, I called Comenity to dispute the fraudulent Finance charge of {$36.00} and the returned check charge of {$30.00}, I was told that the system at Comenity was down experiencing issues. I called back on Tuesday XX/XX/XXXX the Comenity representative to dispute the fraudulent charges and I was transferred to a supervisor who instructed to write a dispute letter with an attached bank statement showing enough balance on the XXXX ( XXXX ) account. 
I enclosed my XXXX bank statement showing sufficient funds around XX/XX/XXXX, and an account record showing that no request of funds was denied by XXXX. 
I am requesting a refund of the fraudulent charges and a compensation for the time and aggravation that Comenity bank caused me. 

Sincerely yours,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing this letter in response to the recent credit report I received that shows a debt allegedly owed to Bridgecrest XXXX I am requesting that you provide me with all legal documents that prove the validity of the debt in question. 

As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it. 

I would like to point out that this account has been closed and the past reporting date has passed. Therefore, if you can not provide me with the requested documentation, I am requesting that you immediately remove this debt from my credit report. 

Under the Fair Credit Reporting Act, I have the right to request validation of the debt before it is reported on my credit report. Therefore, I am requesting that Bridgecrest provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and I am requesting the immediate removal of this debt from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 

Sincerely, 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

911

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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
ON XX/XX/2022 SEND XXXX, XXXX, AND XXXX DOCUMENTS REGARDING FRUDULANT ACTIVITY ON MY CREDIT REPORT. ALSO CONTACT CAPITAL ONE ACCOUNT AND THEY TOLD ME HAVE NO PROOF OF AUTHORIZING CREDIT CARD ACCOUNT. ASK THEM TO VERIFY ACCOUNT IN WRITING HAVE YET TO RESPOND. CAPITAL ONE AND CREDIT BUREARUS. PLEASE ASSIST

Company response to consumer: Closed with explanation