BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
My complaint is with Capital One Bank. I'm continuing to receive fraudulent charges on my account. Since XX/XX/2018, I have received 6 new accounts with 6 new credit cards issued because of this. I'm a victim of data breach by Capital One. The fraudulent charges are from subscription services that were never authorized. Capital One states that Visa/Mastercard has an agreement with merchants for subscription services to continue to give updated card information. What about the agreement with Capital One and Visa/ Mastercard , with protecting the consumer? My account has been compromise 5 times, with 6 new credit cards giving to me in 3 weeks. I'm also concern about my credit due to this. Capital One has refunded the charges and sent letters to me on all the accounts that the dispute is resolved, and it won't happen again. However, it continues to happen. It is giving me anxiety, stress, discomfort and it is time consuming to have this continue to be unresolved. It isn't my job to contact the merchant, if the charge is fraud. It is Capital One 's job to contact the merchant. With it happening 5 times and 6 new credit cards, issued to me by Capital One in 3 weeks, it should be flagged for a fraud investigator to look into this matter, personally. On XX/XX/2018, I spotted another fraud charge, and I had Capital One fraud department contact the merchant with me on the phone. After questioning the merchant with a Capital One Fraud Investigator on the phone, It was told to me by the merchant, that Capital One, never called them or sent them a letter to find out why the merchant charged my credit card account. Capital One 's fraud department isn't doing any investigation on fraudulent activities, they are sending out letters that the problem is resolved, in reality it keeps occurring. All consumers need to be aware, I was told that when a credit card is sent by mail from Capital One, the activation only protects the chip. If someone gets your mail, they can use the account number, expiration number and the security card, without the card being activated, a few times they sent a credit card to me and it stated no activation is required the account is ready to use, which I kept the letter the credit card was sent with, why send cards out this way if fraud is reported on them, this is a problem by Capital One Bank. It would only be fair for Capital One to provide credit protection by all 3 credit bureaus due to this mishap on their part. I want to be assure this doesn't effect my credit, this doesn't happen again, and my account is personally handled. Seriously, as a consumer I have broken all records, receiving 6 credit cards in 3 weeks, wow. If this continues, the media will be involved. Consumer accounts compromised - DATA BREACH BY CAPITAL ONE BANK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 filed three disputes with transunion and was told they had investigated however I learned they don't investigate they just sent an email asking the reporting creditor to verify the reported information. All they require is a response saying it's correct. I have repeatedly contacted transunion and the creditor and have sent proof the information was not accurate and it was removed then put right back on. A school loan that was discharged because of XXXX and two items I have no knowledge of and have never been supplied any information by the supposed creditor. I have asked for proof several times and received nothing. Why are credit reporting agencies allowing things to be added to a report based on someone's word and not real proof collection agencies are notorious for reporting false information XXXX and XXXX, knight adjustment, and trasunion need to be investigated and corrected. 
XXXXXXXX XXXX  is a preditory agency attempting to collect debts that they know are wrong. I had a secured card from first progress that the balance was paid by the security deposit and they are reporting an unpaid balance. Student loan was discharged and transunion is showinXXXX XXXX XXXX XXXX twice even though it's obvious it's the same account and I have told them this repeatedly how can two places report the same account. Transunion should be required to investigate and get proof when disputed. They don't they just email and ask if it's correct never verifying anything

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 2021-02-17
Company: Security Credit Services, LLC
State: OH
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:
SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$760.00} How can you say that this account is verified when Im still seeing inaccurate information being reported?. This reporting is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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:
This complaint is against XXXX for covering up the nefarious schemes of XXXX XXXX XXXX. 

We have requested in a previous complaint to have the credit bureaus provide the evidence they use when they continue to not correct wrongful credit reporting. We had also provided the letter that XXXX XXXX XXXX used to justify how they arrived at changing our loan term from 30 year ( Promissory Note ) or 40 Year ( Loan mod ) to 50 year or 600 months. They choose to not follow that standard legal document rule, but instead somehow combine the two legal documents to come up wit the number 50. This is without doubt nefarious means of altering the loan agreement they are only required to Service. i had requested that they provide the documentation that was used to verify as accurate, but did not receive such verification as should have been provided according to their letter. The request was sent to all three main credit bureaus. XXXX decided to remove the entire XXXX XXXX XXXX account. XXXX has responded " Verified as accurate '' but won't provide the documents that was used to overlook what has our signature attached. How can a mortgage servicer simply change the rules of signed contracts without consent.

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 2017-10-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Originally, I filed a complaint ( XXXX ) against Chase Bank on XX/XX/XXXX in response to the manner and method they used to close a checking account I opened in one of their branches! As a customer, I thought it was rather odd to close an account which had been open only a few days and without giving me a reason or chance to defend myself! 

XX/XX/XXXX, Chase Executive office replied to my complaint with a letter and sending me a copy of the, Deposit Account Agreement Privacy Notice, which was given when I opened this account. They went on to elaborate and say, " We are not required to give you a reason for our decision to close the account '' Moreover, they also pointed out, " Our decision to close your account will not change '' In my defense, I never said, they were " required '' to give a reason! Naturally, I requested a reason because I wanted to know what I did wrong so I could correct the problem. Additionally, I never said my account should n't have been closed nor did I asked for it to be reopened! 

Truthfully when I submitted my complaint, I was thinking an independent objective outside source would consider the facts from both parties then render a decision

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
State: NY
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!

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 2022-08-05
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX. XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: Experian Information Solutions 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:
Ive been trying to correct my credit report for the past 4 month because theres information on my credit report that does not belong to me theres account and inquiries that ive never done and never had and the credit bureaus wont remove it from my credit report ive sent all the documents and proof to the credit bureaus that these accounts and inquiries are not mines and still they wont remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
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: Account information incorrect

Complaint:
On XX/XX/XXXX my Equifax score was XXXX. 
On XX/XX/XXXX my Equifax score was XXXX. A drop of 22 points. 

There were only 2 changes to my Equifax report : an improvement of {$2600.00} in my XXXX balance, and an improvement of {$400.00} in my XXXX XXXX balance. 

What happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As instructed by the State i have contacted Carrington Mortgage Services in XXXX, XXXX about being impacted by the pandemic. Instead of helping, in XXXX i received a letter of intent to foreclose and report me late XXXX, XXXX, XXXX and XX/XX/XXXX. My unemployment did not take effect until XX/XX/XXXX. I used all the proceed to catch up on all payments. As of XXXX my account was current. I filed complaints to their advocates and the NYS XXXX. I sent proof of my phone log and my unemployment status. XX/XX/XXXX I received a mea culpa letter of forbearance effective retroactively XX/XX/XXXX, They admitted their error but refused to remove the negative entries as mandated by the State when you are impacted by the crisis. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX XXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX  XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXXXXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXXXXXX XXXX - You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: MO
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 or around XXXX XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XXXX XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within 5 days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My direct deposit was made to my account and Bluebird has froze my account so that I can not pay any bills, take out cash advances and in addition to that, they have hundreds of my dollars on transaction holds from over a week ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new checking account at HSBC and was told that I would receive {$200.00} for doing so : New account application ID # XXXX You will automatically receive the {$200.00} Welcome Deposit in your new HSBC Choice Checking account approximately eight weeks after completing all qualifying activities. It's that simple. 
Now they are telling me they can't find my bonus money and keep wanting me to call back and they still do nothing but want another call later. 
I want my money and they are defrauding me with their false advertising of that bonus cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2017 amount of {$490.00}. An account that was opened underneath my name I have no recollection of. I spoke with the collection agency and I stated I neve had the card. I spoke with capital one who was the original credit company. And they searched their records and they do not have any information of the application or the credit card being tied to my social. I followed their example and wrote the collection agency stating the facts. I as well wrote a written letter to all three credit bureaus and explained the situation. As well wrote capital one themselves per customer care to have it removed and they refuse to remove it. As well i feel and believe they are rebuying the collection report to keep it on my credit report for longer than it should be. I feel i am being abused by the company and they are not removing false information from my report. I even wrote the XXXX and they refused to respond to the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.

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