BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
At approximately XXXX on XX/XX/16 I received a credit alert that I had a new inquiry on my credit file. I immediately call XXXX and XXXX to place fraud alert on my file. I next called Capital one to advise of fraud, they as well cancelled card and placed a fraud alert against any new applications with my SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Letter sent to XXXX in regard to account name : ( XXXX XXXX XXXX ) Account number:XXXX 

XX/XX/XXXX " XXXX '' Re : Social Security # : XXXX To whom it may concern : This letter I being sent to you in response to your recent letter.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC.13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record acquisition of such information without the authorization of the individual.

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo for violating the Fair Credit Billing Act. Specifically, I believe that the credit card issuer re-applied a dispute on my credit card account after 60 days, which is in violation of the 60-day limit set forth by the XXXX Credit Billing Act. 

On XX/XX/2023 & XX/XX/2023, I made a purchase on my credit card with the above-mentioned credit card issuer. However, I discovered an error on my billing statement and immediately contacted the issuer to dispute the charge. After an investigation, the issuer removed the disputed charge from my account. 

However, I was surprised to find that the same charge was re-applied to my account after 60 days had passed. I believe that this is a violation of the Fair Credit Billing Act, as the dispute was initiated within the 60-day time frame.

I have attempted to resolve this issue with the credit card issuer, but have not been able to reach a satisfactory resolution. As a result, I am seeking your assistance in resolving this matter.

I would appreciate your prompt attention to this matter and request that you take appropriate action to ensure that the credit card issuer complies with the Fair Credit Billing Act. If you require any additional information, please do not hesitate to contact me.

Thank you for your attention to this matter.

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 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
It's been over 30 days and the creditor ( Bank of America ) has not updated the information NOR has provided proof or documentations regards to improper use of my credit. They have not supply this information and they must delete the alleged verified hard inquiry on my credit report. Under federal law they had 30 days to complete the investigation and provide written evidence and by failing to do so the negative item must be deleted from the report as soon as possible.

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 2023-03-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Well Fargo holding our financial direct deposit for long so when our bills go through the change {$35.00} per insufficient fund which they are causing us financial issue. Since they end up taking $ XXXX a month with this method. This practice has been on going since 2014 until now.

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 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to this creditor. This debt was a result of identity theft. I have requested documents to verify who opened the account and have not received anything. I have also requested removal of this debt, and the creditor did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Personal information incorrect

Complaint:
To who it may concern : i am reporting a Wrong address address that is being used to Commit fraud i do not live at [ XXXX XXXX XXXX XXXX XXXX ca XXXX ] and it is connected to accounts on my Consumer profile that is Fraudulent ive attached my ID and and bank statements from Previous years from current

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 2023-03-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I submitted a request for my XXXX XXXX XXXX  with COMPLETE SOURCE DATA to LexisNexis ( See attached Supporting Document ) : As of the date of this communication, I have not received the requested report. Would you please provide a copy of my People Wise Report with COMPLETE SOURCE DATA? 

For verification purposes, I have included a copy of my identification and social security card. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to go to the emergency room in XXXX. After which I recieved a bill from XXXX XXXX for XXXX. I did not owe the debt because I was covered by XXXX and have been since XXXX. The debt went into collections with COLLECTION CENTER-WY Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX I have disputed the charges and provided the needed documentation from XXXX to show ibdo not owe the debt. XXXX XXXX has verified I do not owe the debt and has taken it out of there system. COLLECTION venter of WY however has basically refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received no notices of debt from Americollect, but they keep reporting on my credit. I have not done any business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sirs, I wish to report a complaint about a mistake by the Mr. Cooper mortgage company has made on my mortgage. We always pay a normal house payment that includes, principal, interest, taxes, and insurance every month to be applied to the upcoming month... example : we pay for XXXX 's house payment at the end of the preceeding XXXX, XXXX is paid at end of XXXX, XXXX is paid at the end of XXXX, etc. 
On XX/XX/XXXX for this year, we sent our NORMAL, regular house payment for XXXX as is our normal methodology. For an inexplicable and admitted mistake, Mr. Cooper took our full XXXX payment and decided, with no direction or input from us, to apply the entire amount to principal ( pay-off ), then later in XXXX sent us a note that we had not paid XXXX and were late and were being charged a late fee. No, we sent XXXX payment as is our normal custom on XX/XX/XXXX, on-time, to be paid for the month of XXXX. Then when we discovered that they said we had not paid for XXXX we called to prove to them that we did pay it. That is when the customer service lady admitted that a mistake was made and it was all applied to principal. I figured they could then remedy this situation. Instead they gave me the sad song there was nothing they could do and I should report the problem to their complaint email of XXXX. 
I did in fact make such a complaint letter and sent it off electronically XX/XX/XXXX. Also earlier that same day of the XXXX we sent in our normal house payment for the month of XXXX on XX/XX/XXXX but they applied that for XXXX, effectively making me now late for XXXX, even though we paid it XX/XX/XXXX. 
I sent them a letter as directed by customer service on XX/XX/XXXX. To date, they have not acknowledged their mistake, taken any action to explain their lack of resolution, they have ignored making response to my letter of complaint. 
Tonight I called them to ask for updates but the line said wait time ( at first ) was over an hour and then later during the hold time it was moved to more than 2 hrs. I waited on the phone until XXXXXXXX XXXX cst at which point the line deliberately disconnected from their end with no announcement and XXXX full minutes before the cut off time of XXXX cst. I immediately called back before XXXX and they reported they were closed. 
Regrettably their actions are a financial hardship and should be easy to remedy but to date I have been ignored. For this reason I am seeking your assistance to lodge a complaint to seek remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: MS
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've been trying to tell Equifax that these items are fraudulent and I have been a victim of identity theft. I have sent in the report from FTC and they still want remove them from my credit report. I have sent them off numerous of times. I think Equifax has been paid under the table for to keep fraudulent these on people credit report. They want give the information on what was verified. They only say it was verified and they agree. I have the right to see the information that proves that these accounts belong to me. Plus I have been in a breach of my personal information with Equifax. Please look into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Attempted to use the card for a purchase on XX/XX/2023 and was declined at the time of purchase. Credit was available and I had just made a {$2500.00} payment earlier in the day. Called the customer " service '' and spoke with a XXXX in security who was completely useless rude and offered no help. She said I had a security alert on my account due to the attempted purchase. The purchase was in XXXX and at a company I had made a higher purchase at ( and paid off ) a couple months ago. She would not remove the restriction without sending me a text on my U.S cell phone - I told her I was in XXXX and already authenticated my identity with her. I did not have my U.S. cell phone being in XXXX and could not use my card. 
I use my card regularly in XXXX and sometimes in critical situations where having a block on my card which is in good standing can lead to potential health problems at worst and embarrassment at least. I understand the fraud alerts but their system is terrible and so called customer is even worse.

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 2023-03-17
Company: EQUIFAX, INC.
State: PA
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 have already filed a complaint as of today, only one account was deleted from my credit report. I requested all 3 bureau 's to remove 3 accounts total that does not belong to me. They only removed 1. They updated the other two and kept them on my profile. They are aware of the identity theft and also have that note on my profile and still haven't removed the other two accounts. The other two account I need removed is from XXXX and XXXX These two accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 my mobile banking app was hacked. There was a fraudulent deposit followed by a {$400.00} Zelle transfer out of my account. I immediately contacted my bank on XX/XX/2023 after I first noticed the fraudulent activity. They submitted the XXXX fraud claims XXXX for the deposit with the bank and XXXX for the money transfer through Zelle. The deposit was fixed after the bank declared the deposit fraudulent and they removed the amount deposited from my account, without first resolving the Zelle, leaving my account in the negative. A few days later Zelle denied the fraud claim saying it did not appear to be fraud to them leaving me, a XXXX XXXX XXXX having to pay off {$400.00} dollars that I didn't spend or get. XXXX XXXX then claimed that Zelle is a third party provider leaving it out of their hands even though they actually own a 7th of the Zelle company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My Experian credit report has over 40 plus inquiries that I am not responsible for

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 2023-08-02
Company: EQUIFAX, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: PA
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 recently obtained my credit report and noticed a duplicate account that did not belong & I am not aware of the name.

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 2023-03-17
Company: EQUIFAX, 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 Account # XXXX, Account name : XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Unauthorized inquiries on my credit report for can finance that I did not requested. I have called and mail in certified letters and still no response.

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 2023-03-17
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and listed on my credit report : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Blance : {$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 2023-03-17
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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