BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Number # XXXX, XXXX XXXX XXXX XXXX, Account Number # XXXX XXXX XXXX XXXX, Account Number # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-03-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The amount is inaccurate! I never received a final account statement from the apartments that sent this to collections. No one can provide proof of charges or an explanation. I 've tried explaining to them there is a serious error but was told get an attorney! I work in the apartment industry & know for a fact the amount on my credit is NOT accurate and down right ridiculous!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. 
I will attached your reference Capital one Credit Bureau resolutions letter on XXXX and XX/XX/XXXX Capital one asking Supporting documents for account number ending XXXX. 
Your letter indicated ( Capital One CFPB Case response XXXX ) your bank update details are accurate and how possible they asking supporting documents? this is a discrimination. 
I am maintain XXXX accounts good standing and good payment history ( Last XXXX # ending XXXX XXXX ) Please re investigation my issues and Consider " Goodwill Adjust " this account and remove Late payment on XX/XX/XXXX Really Appreciated Thanks ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Affirm Holdings, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with XXXX which is normally locked to look at utilising Affirm which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining international relations. Upon unlocking the credit with the actual provider XXXX which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company Affirm; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted PII information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in 24 - 48 ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: TX
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:
there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 'XXXX  XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: JPMORGAN CHASE & CO.
State: KS
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: Overcharged for something you did purchase with the card

Complaint:
On XXXX I tried to book a hotel on Chase XXXX. The website was not working whatsoever, and it directed me to call an agent. Which proceeded to help me book the reservation and didn't disclose any addons or any extras on the reservation. 
The agent charged my card {$310.00} where he added {$10.00} for breakfast per person even though the establishment doesn't offer breakfast. Also made me pay a higher rate than the advertised price. 
I went to the hotel and stayed my day and got an itemized receipt that the actual stay was only {$250.00}, and chase charged me over the rate. 

Not only that I tried to call on XX/XX/12 and was on the phone for XXXX hours being transferred from Customer service to travel to help desk then he transferred me to benefits to get rid of me ( Benefits is handled by a third-party company )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have been a victim of Identity Theft since XXXX XXXX, XXXX. I submitted complaints against other credit card companies to warn them about my situation. On XXXX XXXX, XXXX, I submitted a complaint against Capital One in regards to XXXX. I told Capital One that NO one named XXXX living at the XXXX XXXX, XXXX XXXX, CA. I would like Capital One to remove XXXX from the mailing list and STOP sending XXXX mail at this home address. Today XXXX XXXX, XXXX, Capital One is still sending me mail at my home address after I told Capital One to STOP harassing me. Capital One refused to remove XXXX XXXX from the mailing list. Capital One is still harassing me and continues to send me unwanted solicitation mail in my mailbox. I want NOTHING from Capital One. All I want is to STOP the harassment. PLEASE remove XXXX name from the mailing list now and immediately at this address. PLEASE STOP sending me mail in my mailbox. I will consult with my lawyer to seek a possible lawsuit against Capital One for repeated and unwanted blatant harassment after I warned Capital One that I do NOT like to be harassed. Capital One refused to follow my simple instructions and continues to harass me by sending me unwanted solicitation mail in my mailbox. PLEASE STOP sending me unwanted mail now. PLEASE remove XXXX name from the mailing list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was a victim of identity theft in XX/XX/2016. One of the fraudulent accounts was a Capital One 360 Bank Account. I called Capital One and notified them that I never set up this bank account. I sent Capital One via certified mail a month later, an identity theft affidavit, along with a copy of my police report. Capital One assured me by phone several times that the matter had been taken care of and the account was closed. 

I applied for and was approved for a Capital One Quicksilver credit card XX/XX/2016. I have made attempts to register the credit card online with Capital One to make an online payment. However, I am unable to do so. The reason I am unable to do so is because the identity thief who set up the Capital One 360 account set up a user ID of XXXX. Capital One should have disabled any login credentials the identity thief had when I notified them of identity theft. They did not. Now the identity thief has online access to my accounts and I have none. 

The reason I am complaining is because I have reached out to Capital One regarding this twice and encountered long hold times and reached no one who knew how to resolve the issue. Capital One was supposed to give me a call back regarding the matter, as no one accepting inbound calls could assist me. No call back. Capital One did not take my notification of identity theft seriously, they did not disable the 360 bank account that the thief set up. They did not disable the user ID XXXX. Now I have no access to make payments to my new credit card online because they are catering to the identity thief and refuse to help me. 

Since I can not get through to Capital One by calling, I am making this complaint and hoping that the Consumer Financial Protection Bureau can help me to get the protection I need. I hope that online access through user ID XXXX that the thief has to my Capital One credit card and to the bank account which I did not set up can be disabled. 

I have been through the worst experience of my life and knowing that Capital One will not even speak to me regarding this matter is disheartening. By having access to my accounts, this identity thief can compromise this new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: NV
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:
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 My addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any account s Credit Inquiries Credit Inquiries- Summary XXXX XXXX Experian XX/XX/XXXX Experian Business Cred XXXX XXXX, XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-12
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Customer service was contacted about a pending, unauthorized debit to my account. The company claims the funds would be released on XX/XX/2022. 

The funds did not get released. The screenshots taken from the companies app clearly show the release date of XX/XX/2022. Upon contact, they have changed that date until 16 days after the transaction was debit from my account. 

The company is lying, and misleading customers. They have applied, and not received a banking charter in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Freedom Mortgage Company
State: NC
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:
My Mortgage Lender, Freedom Mortgage Company, reported to the Credit Bureau that l missed a Mortgage Payment in XX/XX/2020, and that my account was over 656 days late, which is absolutely not correct, because my account was in the Forbearance. I have attached my XX/XX/2020 statement to refute this error that was reported to the Credit Bureau.

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 2015-05-12
Company: Brookshaw Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I am receiving multiple, harassing phone calls from a company called XXXX regarding a scheduled service date. I have not received any documentation from this company and I do not recognize this company nor have I signed for any loans with a company named XXXX I have received multiple voicemails on my cell phone and they are also calling me at work and I can not receive these types of calls not do I want to receive these calls at my job. Someone name XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX are calling me multiple times per day. Sometimes leaving a voicemail and sometimes not. They left a file number of XXXX but I have not received any type of written notice of debt or any type of correspondence from them but it sounds like they are attempting to sue me based on the threatening tone of the voicemails I have saved. They keep saying on my voicemail they need to deliver a notice of intent but I have no idea of who this company is. They left a number of XXXX. My cell voicemail does not identify me and this is in violation of the FDCPA and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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: Account information incorrect

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

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 2016-12-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not have knowledge of debt that is attempted to be collected. This does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. XXXX, XXXX, and TransUnion used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! XXXX, XXXX, and TransUnion has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! XXXX, XXXX, and TransUnion are in direct violation of the FCRA and Grain Leach Bailey Act of 1999 by sharing and selling my nonpublic personal information without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: TX
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 unknown accounts on my credit profile. I am needing these accounts removed immediately. If for some reason the following accounts that are listed on the attachments that I have uploaded come back validated, I need the contract with my wet signature. A bill, statement, or payment history is not validation of debt. Please remove these unknown accounts off my credit profile asap.

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 2022-11-13
Company: WELLS FARGO & COMPANY
State: GA
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 disputed this account numerous times. The account does not belong to me. I have never applied had or applied for a account with XXXX  XXXX BANK or XXXX XXXX  XX/XX/XXXX and its reporting to my credit as a derogatory account. I have no knowledge of this account at all. Drivers license and social security cards should be required before someone is allowed to apply for a account because this is not my doing. There is also a hard inquire on my credit report for WELLS FARGO XXXX  and I did not apply for a account with them either. I contacted them and they told me they dont have a application on file for me to even be able to help me but its definitely on my credit report XX/XX/XXXX as if I inquired with them. I dont understand what is going on. This is very frustrating and not fair to me at all.

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 2015-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One keeps reporting a charge off that is not mine to the XXXX credit bureaus.The credit bureaus respond to my disputes that the item has been verified.I conacted Capital One directly and asked them to provide with proof that the charged off account was indeed mine.They have failed to respond with any proof of the validity of the debt andare not in compliance with the fair credit reporting laws.So what do I do to resolve this issue.This mistake is affecting my credit score for almost 7 years and stopping me getting a car loan and a mortgage.The payments would be too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Brelvis Consulting, LLC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received information from the Student Loan Help Center about a program attached to President Obama 's affordable care act. I was told that this program would allow me to reduce my monthly payments and eventually have my loans forgiven after 20 years instead of XXXX. I was told this would all be done for me for a one time fee that can be split up over 3 months. I would have to fill out an application and " e-sign '' it to complete the application process. However, part of what I was told to " e-sign '' turned out to be some kind of legal contract that I was not informed of. I was told that I would only have to sign in XXXX places and it turns out that my e-signature was placed in at least XXXX other places. Throughout this entire process, the worker over the phone heavily implied that this was run through the government and that they were in fact part of the government. At no point in time was it disclosed to me this was a private company or that I can apply for these type of relief methods myself. This whole process may not be fraudulent but it is predatory. It preys on the fear many students have with large debt and convinces us of a golden way out. As it turns out, the old saying If it 's too good to be true, then it probably is. '' was correct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief