BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Someone else had access to my new credit card and made almost XXXX in charges, then made a fraudulent check of almost XXXX towards this account, I contacted Capital One Fraud Department several times account manager and nothing was ever resolved. I received a letter from Capital One that this issue had been resolved, yet that was for their own protection, it never was. 

I have file a consumer affidavit with the FTC along with a police report and since then I have closed my Capital One account, since they made the mistake of reporting this to the credit bureau stating that I had utilized {$30000.00} in credit card charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 periodically get alerts from XXXX and they were sending me alerts that there were inquiries on my report that I did not authorize. I did contact the creditors to find out if they extended credit to someone in order to determine if this was a case of identify theft and there wasn't any credit extended. I am not sure how my information was shared but I do want the inquiries removed. I have already contacted XXXX in order to have them removed from their file. 

I am seeking to have the following credit inquiries removed from my credit report. 

TransUnion : 1. XXXX XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX 2. XXXX XXXX   XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : 1. XXXX XXXX    XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX N.. 
XXXX XXXX, MN XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, VA 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 2023-07-21
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I purchased from XXXX money orders for the amount of {$100.00} weekly for 4 months starting in XXXX XXXX through to mid XXXX for rent/savings at the halfway house I was staying in XXXX When I graduated and moved out I had XXXX {$100.00} money orders remaining. On XX/XX/XXXX I went to XXXX to cash them in and was only able to cash XXXX. I was given receipts denying my attemps to cash the XXXX remaining money orders. When I called the # given on the receipt the automated service gave me several reasons why I could not cash them in. First being, Lost or stolen, or counterfeit, or the date money order was purchased and date I tried to cash too long. No where on the money order or receipt states that there is an expiration date for my money order. At most XXXX to 4 months old when i just attempted to cash these in. When I finally spoke to a human I was told I had to request a refund and fill out a refund request form for each money order and would be charged {$15.00} for each refund request totaling {$45.00}. I believe I am being defrauded! I should still be able to cash these money orders. The persons I spoke to and the automated prompt confirmed when i typed in money order # ( when checking the status ) of the money order plainly stated/confirmed to me that the money orders where still valid and uncashed. I should not be swindled out of {$15.00} for each money order that are only a few months old. I should be able to cash in for total value and avoid the insulting fee and fraudulent attempt to take my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I made an online purchase for {$200.00}. The merchant immediately reversed the charges. I was told by the merchant the money would be back in my acct within XXXX to 5 days. They provided proof they reversed the charges which I submitted to Chime. Chime states the pending hold will fall off within 7 days. Today is the XXXX day. Chime has not returned the money to my account. They lie and state the hold will fall off by the XXXX day but it has not. They just tell me to contact the merchant again. I've contacted the merchant 3 times and have provided proof to Chime, including the transaction number which verifies the reversal, 3 times. Nothing has been done. Chime refuses to give me a temporary credit, refuses to contact the merchant for me, and when I tell them it's the XXXX day and I need the money, refuse to provide a practical solution other than to tell me to contact the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX was given a instrument to discharge the debt to the irs and willfully violated my consumer rights according to : House Joint Resolution 192 - to suspend the gold standard and to abrogate the gold clause.

18usc8 Obligation or other security of the United States defined - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks. 
31 U.S. Code 5118 - Gold clauses and consent to sue- ( a ) In this section ( 1 ) gold clause means a provision in or related to an obligation alleging to give the obligee a right to require payment in ( A ) gold ; ( B ) a particular United States coin or currency ; or ( C ) United States money measured in gold or a particular United States coin or currency. 
( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest.

ucc 3-311 ACCORD AND SATISFACTION BY USE OF INSTRUMENT - ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim Ucc 3-603 TENDER OF PAYMENT ( copy of rejection letter provided ) - ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
XXXX is entitled to enforce the instrument i sent them and willfully reject to do it which pursuant to ucc 3-603 makes this account of my credit report unaccurate. 

I got a letter through this case number with a pdf attached to the case. 
CFPB XXXX XXXX. : XXXX XXXX Account XXXX. : XXXX in XX/XX/2023 through pdf provided stating " XXXX XXXX XXXX XXXX does not accept promissory notes or a Form 1099A as payment and will only accept valid legal monetary instruments in the form of United States currency for payments or payoffs. '' This accepting that they got the legal instrument to discharge debt but willfully denied and pursuant to ucc 3-603 there is discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter XX/XX/2023 to dispute inquires on my report that was not made by me and I received an email from the company on XX/XX/2023 to say the result is ready but I can not access in online and provided number to call. I called to ask about the report and where I can access it and I had difficulty with getting report. I was just told that the inquires are still there which means its accurate and still they can not provide me with the report that determine how they got this information to say it was accurate. I would like copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-08-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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:
Equifax reinserted delinquent ( fraudulent ) payment history XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX without notifying me or giving me notice. 

Furthermore, Equiifax being the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. 


I have attached screenshots of XXXX account to indicate there were no delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have placed and lifted security freezes in the past with Equifax. When I attempted to logon today to lift my freeze, the website would not allow me to log in. I called in to resolve the issue and was told my e-mail address was incorrect despite having used it in the past. I gave my name, address, DOB and social security number to verify my identity. Then I was asked numerous questions from my credit report. The questions were vague and difficult to answer including my mortgage payment ( refinanced recently and they were unable to tell me whether I should use my old or current monthly payment ) and my monthly minimum credit card payments. My monthly payments are usually XXXX  though there may have been some activity related to the recent holidays. The representative could not tell me which month they are referring to for the answer. I was also asked about a car loan that was closed in 2013 and NO I don't know who financed it since that was 7 years ago and my husband paid the bill. Then since my answers were " incorrect '' I was told to fax copies of my social security and driver 's license in and wait 5-7 days to be contacted. This delay is unacceptable. Asking these types of vague questions that are difficult to answer is also unacceptable. Please help Equifax be more consumer friendly while continuing to safeguard everyone 's private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Kingston Data & Credit International Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Kingston Data and Credit International Inc XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX is trying to collect through a debt collector which means the debt is already paid for. This company is a debt collector using fraudulent debt collection practices act violating multiple violations. Thats includes : a 15 USC 1692 a ( 6 ) a debt collector. A debt collector that is 15 USC 1692 b ( 2 ) communicating through other uses of communication please cease and desist your fraudulent debt practices which is 15 USC 1692 e any other false, deceptive, or misleading representation or means of connection with the debt collection.

This company should be investigated for fraud 15USC 1692 e ( 8 ) threatens or communicated false credit information, including the failure to communicate that a debt is disputed. That includes sending mail postage letters with no return address on the envelope which is mailfraud and identity theft. The party has failed to respond to three notices sent back for them to respond and have not responded within the time limit postage mail certified w return receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: PNC Bank N.A.
State: VA
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:
In XXXX I kept receiving daily calls that my carrier Identified as Robo caller with medium level risk. Assuming spam I never answered at first but eventually I did to ask them to stop. Instead I got a lady claiming she was from PNC and asked for sensitive info such as DOB, etc. I told her Im not comfortable giving personal details over the phone, especially with the suspicious caller ID. She instructed me to go to the nearest PNC bank to be told what this is all about. I went to the PNC bank in XXXX, VA and a banker ( XXXX, I believe ) checked my account and assured me that ALL my accounts are in good status and that I can just ignore the spam/scam calls. 1 or 2 weeks later, I got a report from XXXX XXXX that my credit score went down almost XXXX points. I checked back with the branch manager and I was told one of my accounts was NOT on auto pay and hence the calls. 

I tried to get PNC to fix the reporting to the credit bureau to no avail. At this time when looking for mortgage, such refusal from PNC to fix their employees grave mistake will either cost me tens of thousands of dollars in premium interest or even worse having me denied a mortgage all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I have closed on my house on XXXX  XX/XX/XXXX and have made multiple attempts to contact My Loan Care ( my current mortgage holder ) to obtain the payoff request. My initial request was on XX/XX/XXXX and was unable to get a hold of anyone in the company. I then was able to make a formal request via their website on XX/XX/XXXX and have yet to hear anything. I have not been allowed the full amount of the sale of my residence because of this. I need this money to close on my purchase and am being held up from doing so. I called today, XX/XX/XXXX, was on hold for XXXX minutes, only to talk to someone who said that they were unable to provide me with any answers or timeframe. I then asked to speak with a supervisor and they stated that they were unable to send me to one. 

This has now become a hardship for me and my family and is costing me interest and the ability to close on my purchase.

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 2023-06-06
Company: EQUIFAX, INC.
State: MA
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Stern Recovery Services, Inc.
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company STERNRECSVCS ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$280.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2023-07-21
Company: DISCOVER BANK
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX DISCOVER BANKXXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 finish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account underman open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Re : {$2700.00} dated : XX/XX/XXXX and XX/XX/XXXX To Whom It XXXX Concern : On XX/XX/XXXX and XX/XX/XXXX, someone gained access to my accounts through Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX As a result, fraudulent charges for {$2700.00} were debited from my bank accounts. As I have my debit card and have never authorized that payment, I believe that my banking mobile app was hacked, and passwords stolen. In the amounts listed below. 

XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX I believe this to be true because my XXXX XXXX was compromised in XXXX. When I contacted wells fargo bank at that time they ran an investigation and it was said to be true. Since that incident, I deleted XXXX XXXX and believed my concerns had been resolved. Unfortunately, now the issue has arisen with XXXX. As a XXXX I have found that my clients prefer using digital money as form to make payments. In light of recent events, I have decided to remove all online banking apps containing money. 

I informed the bank wells fargo on the day of the theft. They have failed to reimburse me or try to understand that I did not authorize these charges. I contacted XXXX and they referred me back to my bank because it was through the mobile app.

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 2020-06-05
Company: EQUIFAX, INC.
State: WA
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:
Ive been a victim of identity theft and I mailed my Identity Theft report to the credit bureau and they ignored these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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