BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: COMMERCE BANK
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Commerce Bank account to a fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Commerce Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Commerce Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Commerce Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Commerce Bank was in compliance with its own policies and procedures ; ( v ) whether Commerce Bank owed duties to myself, what the scope of those duties was, and whether Commerce Bank did not uphold those duties ; ( vi ) whether Commerce Banks conduct was unfair ; and ( vii ) whether Commerce Bank has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As of XX/XX/2023 I received an email from the online banking company Chime stating that my checking account and credit builder account were closed for no reason other than this Were sorry to share the news that we have decided to close your Chime Credit Builder Visa Credit Card Account and Chime Credit Builder Secured Account, effective immediately. Your account was closed for the following reason ( s ) : Account does not comply with internal policies and/or the member agreement. Once your secured account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days to the address we have on file for you. - sincerely, Chime. 

After receiving this response I immediately called the customer service line to figure out what happened exactly and the representative failed to provide the exact necessary details as to why my account was closed. However, after battling back and forth with the representative I asked for a supervisor who stated the the following quoted text above. Then I instructed to reach out to the Chime support via email. And once again no actual reason for the account closure. I have had my Chime account for about the length of 9 months total and Ive never had an issue with any of my activities. Other than dealing with unauthorized or returned transactions. Chime failed to provide me a notice so that I can arrange for my funds to be handled accordingly rather than having to wait for a check to be mailed out within 30 days to the address on file. 

This unaware closure has caused a HUGE inconvenience for me because my checking is set up to receive deposits from my upcoming benefit paychecks, income from my social media platforms that Ive earned, income from side gigs, etc. And so without having immediate access to my funds Im unable to make my bill payments on time, cover my financial obligations & other costs. And since bill payments will not be made on time, I am forced to have to endure unfair & uncredited late payment fees. This situation is complete unreasonable, its behind handled unfairly & lastly, it is being forcibly imposed on me without once again a simple heads up. This has effected most under class Americans like myself and I will not stand for it. I would like for this situation to be resolved and to know the exact details as to why it occurred in the first place if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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:
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 U.S. Code 1681. 

XXXX XXXX XXXX : XXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes 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 relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. ( a ) Information excluded from consumer reports ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2023-01-22
Company: Rocket Mortgage, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A bank employee accessed my password protected account without my permission and did transactions without my permission and the CEO wants me to be responsible for what employee did and when I disagreed they turned me over to the three credit Bureau and ruined my credit and on credit sesame they turned me over for XXXX $ in XX/XX/2022 and there is no XXXX $ issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: TX
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: Billing dispute for services

Complaint:
My name is XXXX XXXX, and I just turned XXXX on XX/XX/2022. Today I went to check my credit, and I noticed 4 accounts that were opened under my name. I have disputed them all. Also one of them ( XXXX XXXX ) was opened before I was XXXX. I am not the owner of any of these accounts. I am just now learning what credit is, and I have not opened or applied for any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, I attempted to make an online purchase with the credit card. It was declined. I called the number on the back of the card. I reviewed the transaction and told them that I made the purchase. They asked me several questions which I answered. The representative told me that the card should work and that I could finish my purchase.. I pay my balance every month and the purchase was within my credit limit. There was no good reason to deny the charge. I wasted a half an hour of time. 
I went back on line and attempted to make the same purchase which had been declined. Again the card was declined. I called the number on the back of the card again. The representative spoke with a heavy accent and I could not understand half of what she said. She refused to authorize the purchase. Consequently, the first person I spoke with was a liar. 
The second person demanded my drivers license. I have no idea who this person was and I am not giving her my drivers license. She told me that she would not authorize my card without giving her my drivers license. This is absolutely ridiculous. I asked to speak with the manager. Person number XXXX also had a heavy accent and was difficult to understand. He demanded my drivers license. I am not giving a stranger my drivers license. How do I know that this is not a scam? How can I give him my license- I have a landline? I am not emailing my drivers license or SSN number to a stranger. Even though the charge was within my credit limit, they refused the charge and deactiviated my card. I have some recurring charges every month on the card. All these charges will now be defaulted because of these jerks. I will incur additional fees. Person number XXXX refused to let me speak with a higher manager. There was no legitimate reason for denying my purchase or deactivating my card. I ended up wasting more time. I think this is a scam to make me forfeit all of my points. I have a lot of unused points on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX account XXXX XXXX This account is a charge off and I settled with a small payment to delete account after payment. The payment was received however it was never deleted/removed from my account. Also the credit bureaus is still reporting delinquency which is more seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 paperwork that has been allegedly sent has been abandoned and erroneously filed by XXXX and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the XXXX needs to be alerted for taking advantage of a XXXX person and veteran. I will also file a complaint with TIGTA and the FTC.

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 2023-02-16
Company: Capital Accounts, LLC
State: CA
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:
I disputed inaccurate information furnishing my good name with XXXX & collection agency, I mailed out a dispute letter to the Collection agency & XXXX to ask for Validation of debt. They FAILED to send me Validation of the alleged debt or a form with the original agreement and wet signature from the alleged debt. They sent an itimization which is a breakdown of charges and not consired VALIDATION OF DEBT. I sent the letter on XX/XX/XXXX and on XX/XX/XXXX they sent me a response on the XXXX online portal that everything was Validated. How can this be if they did not provide me with the requested documents mentioned above and in my dispute letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 rented a car in XXXX, Ro through Capital One Travel. I used my Capital One Master card. I showed up to pick it up on XX/XX/ at almost XXXX  The clerk asked for my driver licenses and a credit card. He very quickly asked me to initial and sign what looked like a car rental contract. I didn't realized there were already amounts printed on the contract. He proceeded to tell me that they charge XXXX a day for insurance. I told him that my insurance probably covers me but I would have to verify with my Insurance company. While we were having the conversation about the insurance cost I got a message on my phone from Capitalone that I was charged XXXX without my knowledge. I was very upset and told him that I would not rent the car any longer. He said no problem and asked me to write cancel by customer and sign on the contract and he also signed. I asked him to refund the XXXX. He said he would not do it and that I should contact Capitalone. He never mentioned that the fees were not refundable. At the time I didn't think it would be a good idea to push the matter since it was past midnight and I didn't feel safe. They were located about 10 minute drive from the airport in a comercial area and there was nobody around. Since I rented through Capitalone I assumed they would have my back. I went back to the airport and rented another car from one of the kiosks for XXXX for the same amount of time which included full covarge insurance. As soon as I got to my hotel I contacted Capitalone and reported the incident. They assured me they would take care of it and all I need to do is contest the charge online. Capital one credited my account the XXXX but did not make it available. On XX/XX/ Capitalone sent me an email telling me that the vendor showed proof that I accepted the charges and place the charge on my account again. They said to contact the vendor directly and resolve the situation. I called Capitalone again but got nowhere. They said since I signed the contract that I was deceived into signing there's nothing they can do. I contacted the vendor ( XXXX XXXX XXXX ) and asked them to refund me the money. They said they would not because I agreed to the charges. So at this point I have to pay for a car rental I never used, a bunch of fees for that car and insurance for a car I never used. This company is a scam and the only reason I used it is because I rented through Capitalone Travel and booked it on my Capitalone card and assumed I was working with a legitimate company. I'm very disappointed with Capitalone and look forward to paying them off and canceling my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already submitted complaint on this company that they are doing fraudulent activity and that the needed to verify the debt with documents that XXXX XXXX me to it and they have passed 30 days and almost over 60 days and they are non responsive.

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 2023-03-04
Company: Amsher Collection Services, 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:
XXXX XXXX Upon reviewing consumer report # XXXX for XXXX XXXX XXXX appears deceptive and suspicious. This report has cause me to be a risk and not credit worthy with various names, addresses, and deceptive reporting. This has blocked XXXX XXXX from being able to use and extend credit. 
XXXX XXXX has a grave responsibility as the report referenced has XXXX XXXX being denied credit and adverse action taken by persons of common affiliation. I Deny Any and all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Name : XXXX XXXX Bank : Capital one Account number XXXX Car. XXXX XXXX XXXX I am making my monthly payments and they keep saying my account is past due. 

I am making my monthly payments and they said my account has been assigned for repossession. 

On the first day I drove the car off the lot after financing, I logged into capital one app and it instantly says I owe XXXX . 

I just financed the car afresh and I am not supposed to have a huge outstanding balance like that. 

I told them to roll it over to the bill because it was already there when I financed the car and they refused and kept harassing me about it everyday. I put down a XXXX $ Car and XXXX $ cash when I was financing the car, I wasn't supposed to have another XXXX $ due instantly on the account. 

Capital one basically calls and spams my phone everyday, even though I am making my monthly payments. This should be unacceptable. 

There was covid and I defaulted. I called them when I was ready and asked what do I need to do to avoid repo and they said pay so so so amount and I payed it. Then instead of me to go back to my normal XXXX dollar a month, they kept harassing me about the XXXX $ that was due on the account on the first day I picked up the car. 

I am paying my monthly bills and they keep spamming my phone and emailing me and threatening me everyday about repossession. This kind of practices should not be allowed in the modern world. 

Right now I am paying my monthly and they said my account has been assigned for repossession. 

How can you assign my account for repossession when I am making my monthly payments? 

Please email capital one and tell them to roll over any outstanding fees to the overall debt and stop harassing me everyday by email and phone. 

Please help me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

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 2023-03-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There are multiple accounts on my report that are outdated. Additionally, there are accounts that are in collections illegally showing a balance. I requested for these accounts to be investigated and deleted yet they have failed to do anything.

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 2023-02-17
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft. Equifax is violating my right to privacy without my consent. The nonaffiliated 3rd party companies identified in this report along with Equifax DO NOT AND NEVER HAD MY CONSENT TO use and share my nonpublic personal information. Im aware that this not only a violation of the Fair Credit Reporting Act but also constitutes as a violation to the Privacy of Consumer Financial Information Rule ( Financial Privacy Rule ). Their unfair, deceptive acts are harming me a consumer along with causing me financial hardship and complications while trying to operate in commerce! Ive made the Federal Trade Commission aware of their illegal actions * see attachments*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation