BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: LEXISNEXIS
State: FL
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:
The credit agency is reporting a bankruptcy on our credit report based on information from Lexis Nexus, a provider we consider fraudulent. Lexis Nexus has not demonstrated the ability to verify the accuracy of the data they supply. Additionally, the bankruptcy court, as the sole direct provider of this information, does not confirm its accuracy, as confirmed in the attached letter from the clerk of courts.

The court is the only entity in a position to attest to the accuracy of the information, thus undermining Lexis Nexus 's ability to accurately confirm it. Given the agency 's reliance on Lexis Nexus, which is unable to independently verify the accuracy of the information, we demand the immediate removal of this item from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CAINE & WEINER COMPANY, INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response We have reviewed this complaint and our records. Our records reflect the account has been closed as 'Disputed ' in our office. We sent a request to the credit reporting agencies to have this account removed from the consumer 's credit report. We do not show a negative entry being reported, however, it may take the credit bureaus up to 45 days to reflect on the consumer 's credit report. As a 90-year old company, Caine & Weiner wants to help consumers in any way possible. We encourage the consumer to call our office at XXXX and ask for a manager for further assistance. We may also be contacted at www.connectcw.com It has almost been 60 days now, and Caine & Weiner Company has not removed the information they provided to the consumer report XXXX. " As a 90-year old company, '' how about keeping your word?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/ at about XXXX PST I tried to purchase concert tickets and my debit card was declined. I checked my checking and savings account and noticed there was a balance of {$6100.00} in savings and $ XXXX in checking, but the available balance in both was {$0.00}. I immediately called capital one customer service and was informed there was a legal hold put on my account, and given contact information for the agency that had placed the hold. My notes from this initial interactions follow : ssuing West Virginia state tax department compliance division Legal case # XXXX XXXX # XXXX Placed account balance hold of {$500.00} on account XXXX {$6100.00} on XXXX Total {$13000.00} XXXX Legal hold? 
Need to call them! 

On Thursday, XX/XX/2023, at XXXX PST I contacted a XXXX XXXX XXXX at the number listed, and after running my social security number realized that I was not even in the West Virginia taxpayer system, therefore the levy was not intended for me. I called to capital one and escalated to manager XXXX the updates, and she said she would look into it. At this time XXXX XXXX in West Virginia had contacted capital one and sent verification of the levy and the innacuracy of the hood on MY account to the levy and garnishments division at the fax number listed below, at XXXX EST ( XXXX PST ). I spoke with capital one again, again escalating to a manager that stated they are not allowed to give out direct numbers or last names. Notes on that interaction are as follows : Spoke with XXXX, manager ( notes on account ) Levy team fax number XXXX XXXX XXXX Attn : levys and garnishments Physical address ATTN : levys and garnishments XXXX XXXX XXXX XXXX, VA XXXX shortly after this, the status of the funds had gone from {$0.00} available to {$0.00} and a transfer from the amount in checking ( {$480.00} ) to savings, with the sum ( {$6600.00} ) being withdrawn as the line item issue levy check. 

Today, Sunday XX/XX/ I called capital one again to ask for a provisional credit to my account since, through no fault of my own and actually owing no tax debt, I am left literally penniless. This request was refused by manager XXXX, and he explained that since the check had already been issued it would have to be sent to the requesting party, then returned for adjustment. 

When I asked for escalation to his manager, he refused and said that there is no one available by phone above him. I asked for email contact but it was not given. 

At this point I am beyond frustrated and am about to have NSF fees piling up as well as jeopardizing my good standing with my brokerage firm to which I have pending transfers. Please help or advise how to get this issue corrected and resolved as Ive tried everything in my power, and it appears that capital one wont even extend an offer of an olive branch of provisional credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Outstanding balance of XXXX from XXXX is not correct because card for website was not used in any purchasing Made dispute through XXXX XXXX twice. Did not receive any communication on results until XXXX XXXX was checked manually. 
Debt for amount owed has been sold to another company. 
Tried numerous time to reach out to current collector with no response back from company. 
No letter in mail has ever been sent to me or any other form of communication. 
No account statements with the company has been sent directly to me or via email. 
No other information other than what is stated on my XXXX XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: SANTANDER HOLDINGS USA, INC.
State: SC
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 recently received a copy of my consumer report after submitting an investigation request into the accounts being reported inaccurately on my report. XXXX XXXX. The account is still reported inaccurately, I have never agreed to any consumer contract with this corporation and when I asked for the method of verification to be supplied I never received anything back. Now after submitting my CFPB compliant regarding this account the consumer reporting agencies stated that the account has been updated when in fact all they did was reset the start date and last report date which according to federal guidelines that's illegal because that would change the date for the 7 year term that an account is suppose to stay on a consumer report before being deleted. I have supplied a copy of the account in question which you can clearly see that none of the information matches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSWORLD SYSTEMS INC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Some one opened an Electric Utility bill in my name and now it's in Collections. The Collection company is XXXX XXXX XXXX ( XXXX XXXX XXXX ) The Utility bill was opened in Texas and I have never lived in Texas.

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 2023-10-23
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Pay off amount is higher than the actual balance. I have been paying for 1 year or so the amount on the account and everything I pay is applying directly to interest {$160.00} every time to interest and only {$2.00} towards principal. I also was charged XXXX without my authorization and I had already paid XXXX to this lender, they withdrew money from my bank without my consent and I am already overdrafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A settlement agreement was reach and meet. Balance was paid in full for lesser amount. Creditor is still reporting delinquent on credit reports, and reporting the wrong amount. I've disputed this account multiple times to XXXX and Penfed credit union keeps saying it's correct.

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 2023-07-15
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been attempting to close out my IRA account with Synchrony Bank since XX/XX/XXXX. I have been given conflicting information with regard to the distribution form required by the bank, whether it requires a guaranteed signature or none at all. I have submitted corrected forms XXXX times, the latest by USPS mail on XX/XX/XXXX. To date, I have not received any acknowledgement except to inform me that the CD is now renewed, and the new maturity date is XX/XX/XXXX. With regard to signatures. I was told ( XXXX ) just to leave it blank, ( XXXX ) get a guaranteed signature, and, ( XXXX ) just get a signature witnessed by a notary. I am uneasy about the way this bank is being run, since I have several other accounts with them, for an amount of over {$600000.00}. They give the impression that they are trying to run out the clock, though I have no corroborating evidence to that effect, only the recent bank failures that have been well publicized.

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 2023-10-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent charges on my account that Huntington has gave two different responses on. First it was the card chip and card cant be duplicated. Now they are telling me the charges were online. There are multiple charges that are in different states in in the state of Michigan on the same day. The charges were definitely not online charges. The amount is over {$6000.00}. Huntington has not been helpful with helping resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Account XXXX credit card was paid off XX/XX/23. 
I received additional notice that there was a $ XXXX fee still on the account after paying off the amount indicated in the latest bill at that time. Starting in XX/XX/2023, Comenity Bank started sending harrassing telephone calls multiple times per day. 
XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 4 calls + 2 additional 'no caller ID ' calls XX/XX/23 - 5 calls + 3 additional 'no caller ID ' calls XX/XX/23 - 1 call + 2 'no caller ID ' calls XX/XX/23 - 1 'no caller ID ' call XX/XX/23 - 2 calls + 2 'no caller ID ' calls XX/XX/23 - 4 calls + 1 'no caller ID ' call, hourly between XXXX and XXXX CST I finally figured out how to sign in online and paid the " XXXX '' in fees that I have been charged after already paying off the amount listed on my payment in XXXX. 

I want the company to reimburse me in the amount of {$100.00} for the additional changes and unnecessary harassment and will continue to escalate this and share my story on social media because these practices are unlawful and there's no amount that can reimburse the damage this company has now placed on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : WELLS FARGO CARD SER Account Number : XXXX It's showing that I have multiple late payments ( XXXX ) and charge-offs. These marks are inaccurate and I would ask whoever reads this to check the documentation that has been uploaded for a better understanding of this inaccurate reporting. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-10-23
Company: Propel, Inc.
State: WI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Multiples {$5.00} transactions from XXXX XXXX  that were made on my account not by me totaling {$77.00} between XXXX XXXX  and XXXX XXXX  in the XXXX  I reported it they did a 19 day investigation and never returned the funds said they found nothing wrong yet they werent my charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I gave them an application for credit and they took my information and did not return the credits or give me collateral. 

15 U.S. Code 1691 ( a ) - It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction This is also securities fraud because they are trading my note on the secondary market.

According to 12 USC 412 Application for notes ; collateral required Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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 Crdit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX Acct : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states a 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2023-04-09
Company: EQUIFAX, 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:
XXXX 's Class Action Lawsuit due to it's predatory lending practices have adversely affected me. 

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 : XXXX XXXX 15 U.S.C. 1681 Section 602 A States that 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 that no consumer agency may make any consumer report containing any of the following items 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Blackhawk Network Holdings Inc.
State: AZ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Was issued a Visa Prepaid Card. Original Balance {$100.00}. There is currently a remaining balance of {$31.00} on the card. 

The card says in large bold letters " FUNDS DO NOT EXPIRE. '' Reasonably, a consumer would expect that the funds don't expire. In fact this is not the case. When I called to request a replacement card ( since my debit card is past the expiration date ) they told me the funds are forfeit and not to even bother trying to talk to a support representative as they would not be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. XXXX XXXX XXXX  XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1900.00}. I never opened an account with them. I was not even living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal. 
2. XXXX XXXX XXXX  XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1800.00}. I never opened an account with them. I was not living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I log onto my account it says XXXX is available balance. 
But funds are currently not available for withdraw please call XXXX When you call that number it sends you to Capital ones costumer voicemail and you leave your info, I have been calling this number since XXXX, I need to get my money, if they have closed my account they need XXXX me a check for my account balance, which I want to close my account because I don't care what they say they have been holding money that is mine that I worked for and I have t been able to even talk to a person to get it, I have bills that are due and them doing that put me behind. It has been 4 months and still nothing and no call back no access to my money I have called the number every other day since XXXX left voice mails no response I really need myoney from them.

Company response to consumer: Closed with non-monetary relief