BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I make my payment every month on the due date. It is important to know that I am a veteran who suffers from a XXXX. Because of this I have memory problems. So every month I pay my bills on the Date stated on My Bill. It seems that Bass pro shops/Capital one has created a Cut Off time which gives people on the XXXX XXXX XXXX XXXX XXXX hours to pay their bill, While the people on the XXXX XXXX have to pay their bill at XXXX PM XXXX XXXX XXXX This constantly causes me to have a late payment because when I get home from work, I pay my bill but it is after the XXXX Eastern time Cut Off. 
This should Not be allowed. Why do they allow people on the XXXX XXXX until XXXX to pay, but here on the west we only have until XXXX. My Bill says XX/XX/2022, then I should have until XXXX on XX/XX/XXXX to pay my Bill! This is Not an Impossibility in 2022. Capitol one Can make that so and should. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: IL
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:
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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Under 15 U.S Code 1681B- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 
I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter Concerning the account listed below as a consumer, I am demanding a deletion of these accounts listed below :

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-11-13
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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. 
The following Accounts : Original Creditor : XXXX Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}

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 explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Torrid account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.

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 2022-07-02
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: Card opened as result of identity theft or fraud

Complaint:
Received email from Wells Fargo on XX/XX/2022, regarding an Application for a Wells Fargo Visa Card in my name. I did not submit this credit card application and reported it on XX/XX/2022 to Wells Fargo at the number provided in the email : XXXX. 

The Wells Fargo representative asked me for my SSN and DOB in order to look up my application and mark it as fraudulent. I did provide that information and they stated Wells Fargo would follow up with me directly for additional fraud reporting. I received a Declaration of Fraud in the mail from Wells Fargo to complete by XX/XX/2022. The Declaration also asks for my SSN and I am uncomfortable proceeding further at this time.

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 2022-07-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The text message says with a scam link attached : ChaseSupport : We noticed Your chase account has been temporarily limited due an unusual activity, to unlock visit XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/22 To whom it may concern : I would like someone to know how I was taken advantage of today and seek reimbursement for money taken unknowingly to a theft. 

I received a fraudulent warning email from XXXX saying XXXX XXXX had spent {$470.00} from my account. I responded to the email on the same day it was sent ( XX/XX/22 ) to reassure the company that I had not made any purchases. 

I was given a report # XXXX and told that they would reimburse this money and help me to prevent any future cyber attacks. I believed them and proceeded to allow them to use " XXXX '' app to walk me through the addition of virus identification. They said I had XXXX XXXX XXXX, and XXXX virus. I was glad to have someone help me rid of this on my phone. The representative then added new apps and set up accounts including : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These were to prevent further online hacking. 

I became suspicious after my bank simultaneously called and the representative told me to ignore them. Once I disconnected with the XXXX representative, they continued to call back some times texting but the numbers always said " XXXX XXXX. '' My credit union was immediately informed, but they said since I " allowed '' them on my phone, that I was responsible for the theft ( {$500.00} XXXX  cash, and {$120.00} XXXX ) that I immediately know of. Unfortunately, they had " XXXX '' spyware and saw my driver 's license information while setting up " XXXX ''. I can lock my account, but only a photo id ( stolen ) is needed to reopen it. 

Phone numbers used to call me included : XXXX XXXX XXXX XXXX separate e-mails say : XXXX XXXX, I am calling from XXXX support. Please call me back at XXXX XXXX XXXX Police were notified on XX/XX/22 at XXXXXXXX XXXX  and said the money was probably already in a different country and not much they could do but I could file a report if I wanted to. However ; contacting the bank and companies for accounts set up was my best bet. 

Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: FISERV INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was getting my unemployment from NJ state though their prepaid card service Money Network. 
On XX/XX/2022 {$4800.00} was withdrawn from my Money Network account without my knowledge or approval to an unknown 3rd party. I learned of this transaction on XX/XX/2022 and proceeded to immediately contact Money Network to alert them to this unknown transaction. As per Money Network 's request, I submitted a written dispute on XX/XX/2022. On XX/XX/2022, Money Network rejected my dispute and said " ... no error occurred ... '' regarding this transaction. I appealed this finding upon receipt of the written letter, and my dispute was again rejected by saying " ... no error occurred ... ''. I have attempted upon multiple occasions to reach out to Money Network representatives by phone. The phone number on the Money Network Dispute rejection letter, XXXX, is a non-functional number. On XXXX separate occasions I contacted an alternative phone number for Money Network and I was disconnected due to an issue with the Money Network Phone system. None of these money network representatives attempted to reach out to me after the call was unintentionally disconnected by the money Network system. 
I state ; On XX/XX/2022, {$4800.00} appears to have been withdrawn from my Money Network account without my knowledge or approval. This withdrawal was facilitated by Money Network without my knowledge. The money appears to have been transferred to an individual unknown to me ; XXXX XXXX ( routing number XXXX, bank account number XXXX ). I have never interacted with any person named XXXX XXXX, nor do I have any knowledge of a person by this name. I have not provided any authorization to any XXXX party to use this account whatsoever. I have never made a payment of {$4800.00} to anyone. 
Neither Money Network, nor XXXX where the money were transferred willing to reverse the unauthorized transactions. 
XXXX appreciate if you take an action and help me out on my case. 
My reference case number with Money Network is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Dave Operating, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I registered for an XXXX XXXX  with Dave ( XXXX XXXX XXXX XXXXXXXX ). During a trip to Florida I received some weird text messages requesting to access my account. When I further looked into the situation, there were three XXXX XXXX  taken through the Dave mobile application on XX/XX/XXXXXXXX  ( in the amount of {$200.00} ), XX/XX/XXXX ( in the amount of {$200.00} ), and XX/XX/XXXX ( in the amount of {$200.00} ). I contacted Dave on XX/XX/XXXX after contacting XXXX  XXXX XXXX on XX/XX/XXXX, notifying them that I was a victim of fraud. That someone had taken cash advances and sent them to a debit card ending in XXXX, which is not my debit card. The only debit card that I used and registered with my Dave profile, were my XXXX  XXXX XXXX debit card ending in XXXX which was tied to my XXXX XXXX XXXXXXXX checking account ending in XXXX. Dave immediately admitted to the fraud and stopped the transfer for one of the charges as repayment from my XXXX XXXX XXXXXXXX account ending in XXXX. The other two charges for repayment of the cash advance came out on XXXX. I have yet to be refunded for both of the charges by either financial institution. Dave has stated that they admit the money was sent to an account that is isn't mine, however they will not refund me. XXXX XXXX  XXXX denied my claim for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Consumer Portfolio Services, 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: Account status incorrect

Complaint:
I.m dispute error on my credit report with XXXX XXXX Dayes pass due with company Consumer Portfolio service.i disagree..need to be correct .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act 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. 

remove these accounts listed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXXXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: GOLDMAN SACHS BANK USA
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address. 



Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. 



According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. 



Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).

Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 



From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ). 



According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 



I hereby request you to these things below mentioned XXXX. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it. 



If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. 



Thank you for your time and attention for this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation