BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I, the consumer and natural person, was denied credit by CAPITAL ONE while I applied for a CREDIT CARD. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit opportunity Act which is codified in 15 U.S.C 1691k. CAPITAL ONE is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CAPITAL ONE due to the response i received. CAPITAL ONE is in violation of U.S Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on behalf of CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX, 2023 I elected to patronize a balance transfer promo for XXXX $ with my discover card. I spoke with a representative from Discover to assure the details of the balance transfer promo was correct and he assured me it was. The promo offered two ways to receive the balance transfer monies. The transfer could be deposited into your checking account or paid directly to the balance of another credit card. XXXX $ was deposited into my banking account on Monday XXXX XXXX, 2023. ( Please see balance transfer promo attachment for promo details ). 

The problem is when I viewed my discover credit card on XXXX XXXX, 2023, I realized that the balance transfer of XXXX was ADDED into the total of the EXISTING balance on my Discover card which has an APR. I called Discover and asked " why are these two balances are not separate. When I pay the card, how will Discover know which balance to apply the payment. '' I was told that the payment would go to the lowest APR which would be the balance transfer. Any amount paid over the minimum payment for the balance transfer will be applied to the existing balance. This means, I will never be able to pay the promo balance within the 12 months and if it's not paid it will incur an APR of 27.74 %. 

I then told the representative that I would pay the XXXX back immediately. The representative informed me that, that would be an overpayment for the promo and the over payment would be applied to the existing balance. Summing it up, Discover is leaving the consumer, no way out. This is misleading, fraudulent, illegal and unbelievable! I do not want this fraudulent offer. When/ if I pay any monthly payment on the card, it is to be applied to the EXISTING balance. If it is applied to the PROMO balance that will be because they chose to do that and I have no control over that. OR I will elect NOT to pay this discover card anymore until this issue is resolved minus penalties. I'm asking if CFPB would please help me resolve this issue asap. Thank you very much for your time. ( Please see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-06-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
- On XX/XX/XXXX of XXXX my bank card was charged with unauthorized transactions of {$5900.00} at XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. And & {$600.00} was withdrawn at Chase bank ATM. Ive contacted the bank same day and the restricted my account and they stated that there will be a refund for the unauthorized transactions. Couple days later the filed claim was closed and no credit was received. I called the bank again and they informed that this case is closed because my card was used meanwhile my card was in my possession and i did not authorize any of these transactions. I received an email from chase asking me to confirm or deny the transaction but I declined it but they still processed the unauthorized transaction. 

At the time XXXX have swapped my number to someone else without me knowing about this, my phone services were off and i was unable to access my XXXX and bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo Bank has denied me a credit card even though my credit score is above 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 2023-08-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I write to dispute the debt listed in the attachment received by me on XX/XX/2023. I need copies of the last 12 month statements plus the entire credit card agreement with any arbitration provisions included in said agreement. You must consider the purported debt as permanently disputed in its entirety which requires credit reporting as disputed under the FCRA and FDCPA unless and until I withdraw my disputes which I will not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 have attached a copy of my filed police report and FTC report. I have never did any business or obtained any credit with XXXX. Transunion is the only credit bureau that is reporting this debt, Transunion needs to follow suit and remove as this was found to be falsely reporting. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please understand that the details in my credit report are inaccurate. It includes addresses, that are not associated with me. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Credit Karma, LLC
State: CA
Product: Credit reporting 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:
Some one has taken out car loans in my name as well as auto insurance under my information but says the drivers name is someone totally different and has XXXX cars XXXX payed for and XXXX not with my name involved on my equafax credit report when I don't even know the individual also I have never received my covid money that was applied for and never received XXXX XXXX tax money when applied for it it tells me I need to contact someone else. I am also not being able to get on credit karma to check credit scores it denied me saying the information did not match. I am refused by IRS and they won't let me speak with them over the phone saying my information don't match and then they hang up their phones on me. Some one also had a car wreck and has used my name at the jail house saying they were me using my information now I been having trouble with the law in XXXX XXXX for breaking and entering and want me to go to court over these things ... im so confused I need someone's help badly to clear this XXXX up. I don't want to be doing time in jail for things I've never done. I have not been in XXXX XXXX but the information on the male driver who has auto insurance in my name as well as all my information lives in XXXX California because I looked the name up and this male lives in XXXX XXXX where XXXX resides.in. please help me connect the dots. I don't like what's happening with my money my information nor the foul things this person is doing to ruin my life. I need help please I'm begging u.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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 made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account XXXX : XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Harley Davidson Financial Services Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am currently rewriting my complaint with XXXXHARLEY DAVIDSON CR concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. 
XXXX/HARLEY DAVIDSON CR claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XXXX was stolen from my account by someone I know. I filed a police report and kept in contact with capital one offering to provide them any information they needed. They just declined my claim due to login history on my account when that has nothing to do with it and my card and information was accessed unauthorized by a former roommate. Capital one is refusing to hold up their fraud protection and conducted a one-sided investigation without seeking to ascertain more information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX Bank of America allowed a garnishment of - {$4200.00} from my money market savings account ( attached transaction image ). They did not notify me of the transaction before or after. 

I called to report it as fraud because I didnt recognize Legal Order, XXXX XXXX as an authorized transaction on my account. I was informed that it was a court order and they couldnt provide me with the entity name or information pertaining to the order. I was told I would have to go to a bank branch to get this information and a copy of the supporting document. 

After visiting the bank branch on XX/XX/XXXX, I was provided a copy of a one-page document that contained very little information as a court order ( attached ). I learned that Bank of America allowed the garnishment by the state of CA for a matter that is currently still in dispute. I am a NC resident and have been for the past 36 years. CA, in error, has charged me XXXX resident income taxes vs. an investor in a passive business investment I have in the state. I have never been a CA resident in any capacity. My bank account has always originated in NC and never CA. 

I asked for a copy of the bank policies permitting the garnishment. I was informed I would need to reference my original account documents from when I opened ( nearly two decades ago ). Given the age of my account, I informed them I no longer have these documents. I was handed a booklet that new customers are given when opening an account in XXXX and told that I would need to read through that to find the information I was looking for. I have not been able to locate any clear language in this material to explain the business practices/policies regarding matters like these. 

I recently found the attached article referencing the actions your organization has taken against Bank of America in the past 24-months for situations like mine : unauthorized garnishments and deceptive consumer information regarding their rights ; imposing unenforceable clauses in take it or leave it customer contracts; failing to adhere to consumer protections and acting on garnishment orders without disclosing that the accounts were located out-of-state and protected from the issuing courts garnishment orders.

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 2023-12-11
Company: Mullooly Jeffrey Rooney & Flynn
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2023, I spoke with company representative XXXX who offered me a settlement of {$10000.00} and {$9200.00} respectively. 

That said, I want itemizations for both credit cards. I have not received any itemizations. 

Please note this lawsuit is a retaliatory measure aimed at obstructing a federal investigation concerning my complaints regarding my property at XXXX XXXX XXXX, XXXX, NJ. Any potential arrest prior to the XXXX XXXX deadline is an effort to prevent me from fulfilling my debt payments. 

In context, I am at odds with the New Jersey Governor and members of his cabinet to include the XXXX Police Director, and the XXXX XXXX Prosecutor. They have denied me my civil right to file a complaint. In retaliation this is unethical conduct to attempt to take away my home. The debt is their excuse to act. Again, I received no itemizations. I will contact the company to send it. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV, LLC sent me a notice of debt collection awhile back to the tune of maybe {$1200.00}. I didn't keep it because the debt wasn't real and I assumed it was just a fraud attempt. Thursday last week I was notified of a civil writ in XXXX XXXX, Nebraska against XXXX XXXX, XXXX at my address over the debt. I notified the county official via text that I'm XXXX XXXX, but not XXXX, and I haven't heard anything back from the county. I did however, get two letters from lawyers saying that the suit was from LVNV. From what I can tell, they screwed up the address, made no attempt to verify, and then jumped to a lawsuit. So the actual person being sued hasn't gotten any notice ( by mail, at least ). I'm just submitting this complaint because this negligent company didn't do its due diligence or research and is now potentially screwing up this other person 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
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 acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX  acct # XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX  acct # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 crime 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. Information, other than records of convictions of crimes which anledates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate please delete

Company response to consumer: Closed with explanation