BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/XXXX, my credit card was fraudulently charged for a XXXX  purchase of XXXX. After which noticing, I contacted XXXX  and Capital One to resolve. Capital one issued a TEMPORARY CREDIT and XXXX  refunded the Amount. XXXX  refunded their authorization made on their end by another purchase on XXXX  for the same amount. Capital one reversed the temporary credit and I was left with a negative balance from having an over credit. I contacted Capital One and they sent me a refund of the credit minus the amount of a Hotel purchase that was on my card for $XXXX. On XX/XX/XXXX, I was charged again for the fraudulent purchase after which speaking to a billing specialist on XX/XX/XXXX and them reassuring that at that time, this was figured out. This is deceptive billing practices. I shouldn’t be made to pay for a transaction that I did not make

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX Balance : {$250.00}, XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX  XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I signed up for XXXX XXXX through TD Bank for a line of credit for a cellphone and an additional {$11.00} a month for a phone protection plan. 

I had set up autopay directly from my bank account. The phone loan was paid off in full in XX/XX/2022. The {$11.00} protection plan continued to be charged to the line of credit after the phone was paid off, however, TD stopped accepting my autopay and a balance started accruing in XXXX. In addition to the XXXX a month, TD Bank also added a {$40.00} late charge every month since XXXX. They did not contact me nor notify me to update my autopay, nor did they notify me that they are not accepting my autopay. The first notification I got from them was a bill for over {$100.00}. 

This is an unfair and deceptive tactic, to allow companies to add on excessive fees without proper notification. They should have notified me immediately about any late payments so I could have avoided their ridiculous late charges. There was no prior message or notification that my autopay would stop working. In fact, autopay is still configured on my account but it is not going through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: Square Inc
State: FL
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:
FIRST ISSUE : I transferred {$37.00} to my cashapp on XX/XX/XXXX. My bank, XXXX, sent me a statement reflecting CashApp receiving the transfer of {$37.00}. Cashapp sent me a form letter over and over again each time I contact them. 
SECOND ISSUE : I am exhausted with XXXX XXXX since XXXXan Hurricane. I am disturb with your service. My latest issue with XXXX is expired XXXX transfer to another XXXX Account. So, I transferred of {$45.00} to XXXX XXXX XXXX account ( XX/XX/XXXX ). It was my mistake that I transferred funds to an expired XXXX XXXX, should have known. I am puzzle why the transfer complete thru an expired card?? It should have decline the transfer!! XXXX XXXX ( my daughter ) have not using her XXXX card for years. During to request replacement card, XXXX and I spoke to several representative ( s ) decline the replacement card due a damage ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), can not see it, rubbed off numbers. Plus, we dont remember were we were living when XXXX XXXX using her XXXX. Now, we are attaching documents the representative ( s ) to confirm our identity! I questioned the information they requested : driver license, lease, utilities bill to get a REPLACEMENT CARD to receive my {$45.00} dollars back. 

SECOND ISSUE We lived in XXXX XXXX, FL at time when Dorian Hurricane hit the XXXX  Coast. XXXX and I was in the living an hotel to shelter from the hurricane, State Emergency. The whole episode was and is deplorable! First, XXXX XXXX debit my card several times during our visit. I contacted XXXX regarding XXXX XXXX on my account when we check-in XX/XX/XXXX, they submitted late which default my account. You denied me and XXXX XXXX did again. The reservation clerk run my card for {$79.00} and some change, well, she failed to type in the right amount. So, my daughter, XXXX XXXX, paid the {$79.00} same day, hours, seconds. XXXX XXXX failed to credit my funds {$69.00} and change due her ( reservation agent ) error. I contacted XXXX investionate my dispute. I have evidence reflecting her error, XXXX denied my dispute claiming that XXXX XXXX will not give XXXX the information of the transaction. And you know what happens when all those errors do to my account?? It negative all over the place!!!!!!! My work check was debit due XXXX XXXX inept reservation agent, and you allowed all of it. Money was limited due the State Emergency yet, XXXX let them get away with it. I want to get my money back, you dropped the ball. I attaching everything I think you need. Any questions or concerns reply this email or calll me at ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All of the attachments that will be produced are the accounts in question for fraud and misuse of my information all credit reporting agencies Experian, XXXX, and XXXX should be taken off immediately due to wrongful reporting on accounts that do not belong to me under section 623 you have 30 days to respond with proof of signatures and ID connecting me to 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My identity was stolen and I was charged a lot of unauthorized overdraft fees.

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 2020-08-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid settled a collection ( account control technology ) account but two months later the account was still showing as unpaid and open with a balance on my Equifax credit report. I filed a dispute with equifax on XX/XX/XXXX and they reported back on XX/XX/XXXX that the information was accurate and " verified ''. 
I emailed the collection company directly on XX/XX/XXXX and that same day i got a response that the information would be correced with credit bureaus. On XX/XX/XXXX the account was updated to reflect the ACCURATE details on Equifax that the account was paid and closed. 
On XX/XX/XXXX I called equifax and told the representative that i DID NOT want to file a dispute. That i wanted a supervisor to look at my file and delete the collection account due New York State General Business Law Section 380-j section iv which mandates the removal of paid collection after 5 years - this was not an error on the creditors part but that on the part of equifax. As a NY resident the account should have been deleted as soon as it reflected a paid status. 
The rep stated that she was not filing a dispute and was requesting an internal deletion. However I received an email on XX/XX/XXXX with the " results '' of my dispute and the account in fact had NOT been deleted and instead the incorrect old information is back on my creidt report. 
To say that this is frustrating is beyond an understatement. That phone call to Equifax regarding the deletion required a hold of an hour and half. This reporting of INCORRECT information on my credit report not only is in violation of fair credit reporting law but has already cost me an adverse decision. I was denied a loan recently and ALL the reason for denial were due to the incorrect information being reported by Equifax. Both the denial and the inability to fix the reported information TWICE are all things I can seek damages for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
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: Account status incorrect

Complaint:
I am submitting this complaint to address this account which is reporting inaccurately as late payment on my credit report despite of my long-standing history of timely payments. This is clearly Inaccurate reporting. I have disputed this matter multiple times. In accordance with compliance protocol, it is imperative that you promptly delete this my report.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Many times they said i didnt have money to cover new chargers

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 2022-11-19
Company: EQUIFAX, INC.
State: PA
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:
16 CFR PART 313- Privacy of consumer financial information 313.4 initial privacy notice to consumer required a You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section. ( 2 ) you have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit 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 got a car rental reservations that they charged my card back in XXXX for {$170.00}. I cancel the reservation and company agreed to charge a {$50.00} cancelation fee. They gave me a credit in XXXX for {$120.00} and then they rebill the same {$120.00} amount in XXXX instead rebill for {$50.00}. I call my credit card company and they stated they cant do anything because the company already gave me a credit in XXXX. I'm explaining that they rebilled the same amount instead the {$50.00}. The lady said cant do anything. I asked to talked to a supervisor and after placing in hold for minutes told me no one available. I'm telling her they need to give me credit for the {$73.00}, she didn't want to listen of what i Have to say. Someone needs to resolve this issue.

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several inquiries on my Trans Union report that arent mine. I have called Transunion many times to resolve this but they are less than cooperative

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 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Fraudulent accounts were opened online, in my name with XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXXXXXX in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.

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 2023-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint 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 2021-10-11
Company: EQUIFAX, 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:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
Additionally, I have attached a copy of the CFPB ( consumer financial protection bureau ) report under report number. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/2020 XXXX. XXXX XXXX XXXX on XX/XX/2020 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
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 ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}.

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 2021-10-10
Company: ALLY FINANCIAL 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2020-08-05
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Citi wrongfully reported late payment to my XXXX  credit report : Delinquent Account Reported on XX/XX/2020 by XXXX Your account is 30 days or more past due. 
Account CITICARDS CBNA Amount {$220.00} Status Late 30 Days I have been in contact with CITI customer service several times since XX/XX/2020 to present indicating that I was unable to pay due to change in income due to Covid. I was informed that CITI will not report to the credit bureaus during COVID-19 pandemic. I have worked hard to bring my account current and I also have been wrongfully denied their COVID-19 account assistance to help my family during this troubling time.

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