BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX, my personal services was required and I was payed by different people a total of XXXX in oayments fo XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 

Since the payment was sent under the name of the person and not my actual name by accident due to a form error, captiol one has held this money in my account providing interest for going on 3 yewrs without letting me withdraw the funds. 

Therefore, Iam seeking to have the withold removed to reclaim my lost money, which i paid taxes on, have to report for my debt to income ratio as well as have been denied benfits for having an account under my name have over XXXX in it. 

Capitol One after three years of holding my money on an account which had no request by an of the people to return the funds, cancel the payments or file a dispute has insisted to claim i am a criminal and hold the money i definitely and it is current XX/XX/XXXX and it has been in that account for them to use to gain interest since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: OH
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:
On XX/XX/2023 I had 4 unauthorized ATM transactions from my debit card. Totaling {$2100.00}. I called chase immediately and reported it and stated that my card was lost and they replaced the card and also I was told I would be credit for the unauthorized fraudulent transaction within 72 hours but they refuse to now every time I call they always say Tomorrow and Ive called multiple times and Ive yet to been credit and I need the money to be able to pay for my rent and my daughters day care!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Spring Oaks Capital, LLC
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This occurred in the year of XXXX, when a pre approval came to my po box XXXX XXXX Texas XXXX or XXXX XXXX XXXX XXXX Arkansas XXXX it was from Prosper Marketplace or Prosper.When I called the number to see was it legit in this matter the representative stated at the time it was, so I proceed to see what was this about, so when it occurred it would not take my SSN for the process of this matter to proceed.What the representative did to proceed in this matter I have no ideal, all I know it would not take my SSN at that time, somehow how anyone got off into my account I do not know in this matter.After 10 months of learning in this matter I filed a police report XXXX, Federal Trade Commission Report XXXX, and an IC3.gov complaint as well.This occurred in XXXX XXXX and the reported in XXXX of XXXX after learning that there was no loan in my name by there verification department on or about XXXX XXXXMy identity was changed in the year of XXXX while I worked for the well known company after being laid off for a week.I will not be held accountable for anyone who went into my account without my permission or will I be responsible for anyone I did not give permission to go into my account when all of this occurred to change anything about me..Now after 5 years here come this unknown source Spring Oaks Capital trying to collect a debt from XXXX XXXX XXXX XXXX XXXX the account was not with the XXXX XXXX XXXX XXXX  at that time.It was associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.I have no affiliation with XXXX XXXX XXXX  according to the documents they receive this information on XX/XX/XXXX after filing police report, federal trade commission report , and IC3.gov report.This has been an overwhelming process for the last 6 years trying to fight for my identity to keep my name clear of any illegal matters as well as both my daughters in this horrible tragedy.When this also occurred my daughter was on my account.I have been fighting for my identity since XXXX XXXX, when my identity was changed on a job at that time.My name has been put on several documents where I have not received any documents where I physically signed my name to any documents from any source of entity.On this day of XXXX XXXX the validity of the amount was disputed before XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The company has also received my information illegally and without my consent. I have no contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Klarna AB
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
online purchase was made for item. 
Opted to use 3rd party payment plan service through KLARNA. Four installments Paid first two installments -received merchandise ; wrong size.

Processed return of merchandise back to the seller XXXX. 
Both the seller and the 3rd party payment processor KLARNA informed that merchandise was returned and customer is due refund. 
XXXX processed a partial credit. ( refund ) which was then used along with remaining balance owed to repurchase item in full. 
The second time around purchase was made directly through the seller XXXX  without the use of the 3rd party payment plan especially since XXXX provided the store credit upon receipt of return. 
Item paid for in full directly with Seller. Transaction and sale complete. 
Then KLARNA 3rd party payment processor continues to put transactions through bank account and continues with original purchase despite refund and return of original item. 
Klarna was notified directly that purchase was complete directly through seller and was strictly forbidden to process anymore transactions. Despite this request they illegal drafted anyway. {$37.00} - and attempted further drafts.

Transaction reported and disputed with my bank, Card closed.

KLARNA attempted a final installment and refused to refund the {$37.00} that was drafted without consent. 
XXXX  complaint filed. CFPB complaint filed and transaction disputed with XXXX XXXX. 
KLARNA has submitted false debt claim to third party collection agency who is now harassing through e-mail daily. 

Require reimbursement of unauthorized transaction and cease all further collection activity. 
Any attempt to impact consumer credit report for alleged debt will be met with full legal action taken against all parties involved.

This debt is false and not owed.

USC 15 1681 - coded laws will be implemented in course of legal remedy if KLARNA or XXXX XXXX XXXX persist in any further collection activity. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Card was stolen. My debit card was used for a transaction on XX/XX/18 amount of {$190.00} I contacted my banking institution to resolve the issue their reasoning for a decline in the dispute is because the chip was used for the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off both Chase credit cards ( one for XXXX and XXXX for XXXX ) in XXXX of 2020 after I paid them both off I closed both accounts, which was reflected on my credit report. Today I was billed for {$40.00} stating that I have not paid. I spent an hour on the phone and spoke with 4 people at Chase. They said my account was not closed ( even though the credit bureaus showed it to be ) and charges were incurred. I had my identity stolen and so I locked my credit. Chase closed one today but that does not sit well with me as it will affect my credit yet again. Both cards were paid IN FULL then closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email on XX/XX/2023 stating an application for a Bank of America XXXX  XXXX  XXXX  XXXX  has been submitted in my name, XXXX XXXX XXXX my maiden name ). This is the second time this has happened. I reported the first incident as well. Previously I called Bank of America and had them shut down any account I had in my name there, and they stated they had done so. Now another account is being opened using my information again though I did not do this.

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 2023-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was stationed in XXXX XXXX in XXXX of 2022 in XXXX a purchase was made on my USAA card fraudulently in California for less than {$100.00}. I had not used the card in years so I didnt check it often and because I was now overseas my mail was really backed up so by the time I received paper bills I saw a past due payment. USAA looked into it and deemed it was fraudulent and refunded my money about 4 months ago. At the time I was told I would receive a letter stating that I was a victim of fraud and I was not responsible for the charges. I never received the letter and hired XXXX credit monitoring to dispute the claim on my credit and it was returned stating there wasnt fraud and I was responsible. Immediately after I contacted USAA credit card department and after 2 hours on an international call I was told they addressed the problem with the paperwork and it would now be fixed and removed from my credit report. I filled a dispute again through XXXX and three weeks later the dispute came back the same as the first time. I will be returning to the United States in 3 months and I will need to purchase a vehicle and a home, I need my credit report fixed as soon as possible so I can prepare my family to execute orders back to the US.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This week my spouse and I 's checking and savings accounts were closed by Ally bank without notice. First, it was the checking the account earlier in the week, which had all of it's funds ( XXXX ) transferred into the saving account. Upon contacting Ally customer service, I was informed that the account was closed due to potential fraudulent activity BUT the savings account, with $ XXXX, was NOT at risk of being closed ( transcripts of the conversation with customer support have been saved and are available ). 

Today, we received an email at XXXX EST that the savings account was also closed and we can not access our funds. 

We are currently in the final stages of closing on a new home and this has created a major impediment that may affect our ability to close on the home and potentially negatively impact our credit reports.

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: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX  XXXX... 
XXXX - XXXX... 
XXXXXXXX XXXX XXXX XXXXXXXX... 



I have attached a copy of my ID for identity verification and a bill for address verification.

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 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.

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 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dishonest Bank very slow overcharges customers with fees just typical with all the banks.

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 monetary relief
Consumer complaint received 2023-03-09
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Radius Global Solutions called me and stated this was an attempt to collect a debt. I said I don't owe anyone. They said I owed {$750.00} to XXXX XXXX XXXX for charges related to phone number XXXX ( a phone number I have never had in my life ) from XXXX in the year XXXX. I informed them this was incorrect. I never had that phone number and I owed no company any debts and that all of my financial affairs are in order and have been preceeding said dates. They did not listen and proceeded to threaten me with a legal referral and report to the credit agencies. At best they said they would send a letter to XXXX XXXX XXXX stating the customer said the charges were fraud but that I would have to call XXXX XXXX XXXX and work that out with them while they report to my credit. I got upset because these charges are not mine and I'm about to by my dream car in 3 months and I can't have anything hit my credit report so I paid the bill in full and told them I would file a law suite ( which I am ) and I would report them to you. 

This debt is not mine. I do not owe XXXX XXXX XXXX {$750.00} from XXXX  for XXXX. I have never had that number in my life all my phone numbers in North Carolina have all began with area code XXXX. Never once area code XXXX. Never. 

After I paid the bill they did not provide any receipt of the transaction. The only gave me a confirmation number which is XXXX They the acct number was 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 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Account was opened in XX/XX/2022 until XX/XX/2022 email address that was set up for this account was XXXX which is not my email address. Bank of America allowed this account for Safe Balance Banking account to be open without proper identification. I was unaware of any of this until I received a letter and statements notifying of the closing of the account due to a business decision still had not properly identified. You can open this type of account online without providing proper Identify. Driver license number issue date, expiration date and/or uploaded your ID. Now after the fact Bank of American wants all the following information : Fraud Claim number XXXX XXXX ). ID sure as driver 's license or a state, government or military issued ID. 
2. a copy of SS card, 3 ) a copy of ss statement, 4 ). proof of residency utility bill or insurance bill or rental or mortgage.

4 ). any original account documents you received for the account ( XXXX ) which i will not have because I did not open this account. 5 ). A copy of the policy report ( XXXX filed through XXXX County Sheriff 's Office ). 
If only that had completed the property ID verification upfront, which was not completed online. however, if they walked into a bank this would not have happened because there would have been proper identification done. I am requesting restitution. Bank of America needs to be stricter on their online banking products when opening accounts. This is ridiculous. I was yelled by their staff, and I did not do this this is not my fault. Completely on them and they should take ownership.

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 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed my account due to returned payment when I was In the hospital due to XXXX  I had my wife making payments on my account and she was using my old account number I spoke to an agent name XXXXXXXX XXXX XXXXXXXX I ask to speak to his supervisor he was very nasty about the situation and told me he was declining my request I will have my loyalty following up with a law suit for discrimination if this issue isnt handled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never completed an application for anything from this company. I called them and let them know it was fraudulent activity and nothing was done. This needs to be taken off my credit report. For date XX/XX/XXXX, XX/XX/XXXX. My rights are as followed. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 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 explanation