BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
This issue has become a life changing unfortunate event in our lives and we humbly request that this wrong be alleviated by reporting honest and truthful information on my credit file. Moved from Utah to Illinois at the time, and was coerced into applying for a Kohls card account to save on my purchase, against my better judgement went ahead and submitted the request and found out that the Kohls system could not process this request. 
Paid for my purchases with my personal credit card. Never received a bill from Kohls and did not expect one as I have never made a purchase using my Kohls account or Kohls card as I did not receive one. Ran my credit report and found {$1.00} in collections, which dropped my credit score significantly. Paid the {$1.00} immediately, dealing with Kohls has dropped my credit score on three different occasions for the {$1.00}. I am demanding that the amount of {$1.00} that was charged on a card be removed for late payment as I did not know that the {$1.00} was charged on my account. Spoke to customer service on several occasions and this issue is still not resolved. Please help us, as I served this county in the United States XXXX XXXX for 20 years, and the biggest set back is this false credit reporting made for {$1.00}. My wife enjoys shopping at Kohls and we do not want to put the Kohls company on our do not use list, or warn our fellow veterans to avoid Kohls as it could potentially destroy their credit report. Please help us correct this incompetent and unfair credit reporting practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22
Company: Experian Information Solutions Inc.
State: TN
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 have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to experian, XXXX, and XXXX, and all 3 said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.

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 2023-04-14
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have attempted to contact capital one about this issue several time over the past year or two. They are unable to provide a reason for not granting my CLI request. I've had this account card for over six years now. 
In capital one 's most recent denial letter that I've gotten, it does not state a reason. It simply say 's not available upon request. This is the reason usually given for a secured card account, this card is not secured and has been graduated a long time ago. 
Stuck with a merely XXXX  $ limit, even though I've been granted limits of {$6000.00} and up from other banks. 
This is absolutely ridiculous that when I call, and ask what the reason is? The representatives can't give me any useful information. 
This is not proper practice for a financial institution, all other banks give valid reasons, such as low credit score, too many inquiries, payment history, and capital one has given that reason for this account before. But when I clear everything up and wait, they end up not being able to provide a reason anymore and just say this. And on the same letter it says, look at the back for a denial reason, and my reason is not listed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged around {$0.00} for a transaction I did not make. I believe it was for XXXX. I called the number on the back of my XXXX XXXX, which is issued by Wells Fargo, and they were able to validate it was indeed a fraudulent transaction.

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 2023-03-14
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I logged into my account with Mr. Cooper online because I wanted to update my autopay amount. I noticed that the next scheduled autopayment was for XX/XX/XXXX and no payment activity, either pending or cleared, for XX/XX/XXXX was listed anywhere on the account. Not wanting to miss a payment due to a website error, I made a payment for the month of XXXX in the new amount I was intending to increase my autopay to, and then also changed my autopay amount, setting it up to start on XX/XX/XXXX. 

That payment cleared XX/XX/XXXX on my checking account. Then, later that evening, another payment for the old autopay amount was deducted from my checking account. To my knowledge, at that point they were not authorized to make that payment. I called the company on XX/XX/XXXX to request a refund. After communicating with the rep and getting a transaction history communicated to them on the phone through my bank 's automated teller, I was told that my refund request would go through and I would see the funds from the erroneous charge returned to me in 24-48 hours. 

On Thursday, XX/XX/XXXX ( 72 hours later ), the funds still had not been returned to my account. I called Mr. Cooper again, spoke with another representative. That representative told me the previous request had been rejected. No attempt to contact me about this rejection was made, so already there is a problem here. This time we got a representative from my bank on the phone with us to communicate a confirmation number for the funds withdrawn from my account in error. Once again, I was told that the funds would be returned to me in 24-48 hours. 

It is now Tuesday, XX/XX/XXXX, XXXX business days and XXXX calendar days later, and I still have not had my money returned to me from this erroneous charge, nor did I have any contact from Mr. Cooper telling me of any problem. I called once again, spoke with yet another representative, and they told me there was no record of my second request. Time I was told that the refund was issued by the person I was speaking to on the call and was given a confirmation number for the refund, but once again I am being told to wait 24-48 hours. 

I do not at this point have any faith that Mr. Cooper will actually return the money they took from me without my knowledge or consent. I can not imagine this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}

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 non-monetary relief
Consumer complaint received 2023-02-28
Company: FIRST NATIONAL BANK OF OMAHA
State: UT
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:
On XX/XX/23 a XXXX XXXX XXXX credit card managed by FNBO was opened in my name. Around that same time my email was being used to sign up for multiple newsletters. I reached out to FNBO on XX/XX/23 and they helped me to close the account. FNBO was unable to verify if any charges occurred on the account.

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 2023-02-28
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 a victim of identity theft. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence.

I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NY
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 Name : XXXX XXXX XXXX Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXXXXXX XXXX Account number XXXX, Account Name XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: AZ
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:
This is a formal complaint lodged against Equifax regarding inaccuracies on my credit reports, specifically hard inquiries, which they claim to be verified. 

Equifax by not properly providing me with proper documentation within the required time frame, and I have evidence of such, via certified mail receipts : USPS Certified Mail and Return Receipt sent by Notary Public : XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX RRR Maybe they didn't get the part in my last letter where I said these CREDITORS were unknown and that they need to be removed, just because they said " verified '', it doesn't change the fact that I have no clue where it came from! 


They had enough time to verify these alleged accounts and because they didn't at any time send me even ONE shred of evidence that these were my accounts accounts or that I have the liability or responsibility or ownership, they need to be deleted. 

I'm pretty certain that they violated a bunch of federal laws : 1. Equifax didn't prove the creditor even responded 2. Equifax didn't send me anything at all to verify this was mine 3. Equifax are being paid to report this by a credit I cant even get a hold of 4. This is absolutely false info being reported and section 609 protects me specifically against this! 


As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 16 [ s-2 ] ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished person to any consumer reporting agency is disputed to such person by a consumer, the person may furnish the information to any consumer reporting agency without notice that such information by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 68 I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
Fifth Third Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Foris DAX, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Again was allowed to transfer all of my funds to a malicious investment site. Crypto.com should have stopped me or have had some time of security in place for this. All the transactions are in the screenshots and dates. Crypto.com just needs to check all of the withdrawals from my crypto account to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company Caine & wiener I have no knowledge of is reporting a collection on my credit. According to 25 usc 1692g validation of debt a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Im requesting proof of licensing to collection debt in NJ and description of procedure used to verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This matter has been addressed via administrative process with this corporation.No proper response from these criminals has been made and I demand to have this removed from my consumer report to avoid causing further injury. The proper procedure has been followed on my part however, the law has been broken and my consumer rights have been violated. As stated in the United States Code, a consumer must give permissible purpose for information to be shared and that has not happened. This is a blatant violation of law along with a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had an account with Discover Bank for over 4 years. Recently I decided to close the account and transfer the funds to an account, also in my name, at XXXX. To this end I submitted a wire transfer request through Discovers mobile banking app. 


After making the request I received a call from Discovers wire department. They said they needed to do further verification. I answered all of their verification questions correctly. 


At the end of the call, they said they also needed a photograph of my drivers license. Given that this requirement is not disclosed in any documentation available to me, and in light of their poor data security practices evidenced by the data breach they experienced a few years ago in which customer data was offered for sale on the dark web, I declined. I asked that the wire transfer request be cancelled. 


Since then, I have learned that Discover has frozen my account. I submitted electronic transfer requests through XXXX as an alternative means of transferring the funds but these were denied by Discover. XXXX has informed me Your account at the external institution is ineligible for online transfers. Please understand that Discover Bank is an online bank. They have no branches aside from a single nominal branch at their statutory headquarters in Delaware. All of my activity during my 4+ years with Discover has been conducted online. 


Under the guise of online security Discover is preventing me from terminating my relationship with them and moving my funds elsewhere. The account continues to earn a rate of interest significantly below the risk-free rate at this time, enabling Discover to continue to profit on my funds at my expense despite the fiduciary prohibition on their doing so.

Company response to consumer: Closed with explanation