BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX  # XXXX, Account name : XXXX la # XXXX, account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXXXXXX 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 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 2021-01-13
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: Card was charged for something you did not purchase with the card

Complaint:
CAPITAL ONE CRIMINALS FORCE YOU TO PAY FOR THINGS YOU DO NOT PURCHASE FOR THEIR OWN PROFIT and GAIN Their hatred to the limited customers left is CRIMINAL. 
FAILURE TO DO JOB IN PROFESSIONAL ( LEGAL ) MANNER IS CRIMINAL. 
Extortion is what they like to do because the hate YOU. 
Racketeering against people is their trade mark. 
EVER SINCE THEIR FLY-BY-NIGHT COMPUTER SYSTEM WAS HACKED THEY GO OUT OF THEIR WAY TO OVER-CHARGE THEIR CUSTOMERS, $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEEEXTORTION - RACKETEERING - CAPITAL ONERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONEEXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONEEXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - EXTORTION - RACKETEERING - CAPITAL ONERACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2023 I sent certified mail to dept of nelnet about all the fcra laws that they have violated. It was a notice of cease and desist. They did not properly investigate the matter. They falsely claimed that they did not violate my fcra rights. They have these accounts attached to an address with my legal name but incorrect address meaning they should should contact the grantor which are the cras and delete these accounts off my credit report. They are furnishing private information publicly to a 3rd party which is illegal. This is infringement and a violation of my privacy rights. On XX/XX/XXXX XXXX said they are furnishing info on behalf of the department of ed which I have NEVER agreed nor signed an waivers or contracts with and to proof it they sent me documentation asking me to update information because they dont have any in their system. They are trying to set me up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington Law misrepresented their services. They said they could remove all the negative marks on my credit. Ive been paying them  since XX/XX/XXXX. As of now nothing of any note has been done. When I call them they always read from what appears to be simple script and nothing gets done. I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/ {$27.00} for a transaction on XXXX XXXX XXXX 
XX/XX/3 {$27.00} for a transaction on XXXX XXXX XXXX XXXX XXXX XXXX {$27.00} for a transaction on XX/XX/2023. 

I visited a priority pass airport lounge on XX/XX/XXXX  with 2 guests ( spouse and daughter ) and was supposed to be free as my card includes 2 guest + self for free. I visited a restaurant within priority pass on XX/XX/2023 with 2 guests ( spouse and daughter ) which should have also had been free. 

Contacted chase and they wont dispute or refund the charges and also claim to have no visibility into why I was charged these fees and so late. They also confirmed 2 guest should be free per card benefit for priority pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
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 2021-07-15
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I initially called because I have been fraudulently charged interest rate fees by this bank. I have a XXXX balance and paid in full my credit card and they were still charging me for interest. I called and I asked to speak to a Manager several times and they said a Manager would call in 24-48 hours. It's been a month and no one has called. 
I called my bank for my account information and XXXX from Chase Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX and she never verified me and ran off my personal information when I called in last month. It is very disturbing that she ran off my banking account information which also included my credit card information without verifying who I was. I just gave her my name and she didn't verify my address or anything and provided my info. I asked her if she had the correct person and she said yes. What's concerning is that provided my credit card number and info without verifying me. 
I asked to speak to the Regional Manager and She provided her boss XXXX XXXX 's contact XXXX. He said he would call me back and it's been a month and he has never called back and I've left him 10 messages. 
I don't know if Chase Bank knows their employees do not call back and they provide personal information without verifying the customer. This has been a horrible and extremely unprofessional experience so I called back today XX/XX/23 and XXXX answered again and I told her that I need to speak to a Manager and she said XXXX 's the only person. I told her I've left numerous messages and he doesn't call back. When I told her that I am so upset and will finally file a complaint she said well I guess do what you want to do and she actually hang up on me. She also said XXXX 's been with the company for over 20 years so he's not going anywhere and she said so has she.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: SC
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 had child support misreported as in arrears and for incorrect amounts. Ive disputed with experian since XX/XX/XXXX, Ive also addressed the issue in the court child support is handled. Ive disputed with credit bureau because it is also supposed to force the state of Indiana child support system to run an audit on account due to the states and county agencies and clerks not providing detailed reports any of the times Ive contacted and my taxes have been offset to pay an over charged amount of arrears thats already been paid to my ex wife back in XXXX of XXXX and XXXX  XXXX. Ive submitted documentation to experian multiple times and every time they return the debt meets fcra when in fact Im not in arrears and am actually ahead on payments due to an additional {$25.00} weekly over my court order amount being paid.

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 2023-08-18
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXXay be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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 a account without my written instructions XXXX XXXX XXXX Date opened : XXXX Balance Owed : {$0.00} The provision I mentioned, 15 U.S.C. 1681s-2 ( a ) ( 1 ), is a part of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates consumer reporting agencies and the use of consumer information. This specific provision pertains to the responsibilities of

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 accounts. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Saturday i was using cash app and my transaction was canceled for security purposes. As of today the money is still not in the bank and the transaction is still pending. This would not have been such a big deal if i had disposable income but unfortunately this left me not able to buy groceries or do anything over the last 5 days. So I'm not really sure if this is a cash app issue, a bank issue or? But if money can be taken from a consumers account immediately then why is the reverse an issue? And if this was a security issue then maybe the money should not have been taken in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Kubota North America Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a Kubota XXXX skid steer around XX/XX/XXXX. I set it up for the payment to automatically come out of my bank account every month. A payment was never missed. I believe I owned the unit for just under a year. I took it to XXXX XXXX XXXX dealer for warranty service work. The XXXX XXXX was stollen off of their property while they had it. After a few months their insurance company came to an agreement to pay the skid steer off. I called Kubota credit to make sure they received the check because I was going to purchase another skid steer. They said the check had been received and that everything was paid for. I asked them what I needed to do to close the account so that an auto payment wouldn't come out again. They told me how to go online and do it. This is where the issue comes in. I received an attachment called a Grappler with the skid steer in XXXX of XXXX. It was financed within the same account. The lady that told me to close the account must not have caught that. I didn't know it was financed as a separate piece. They finally called me and I paid it off right away. Next thing I know they reported me as not paying it on time and my credit score dropped XXXX points. I've had my new Kubota skid steer for XXXX plus months and still have not missed a payment or been late. I talked to them about the issue on XX/XX/XXXX and again to a person that said a manager would look it over on XX/XX/XXXX. They said they would call me back and never did. I received a letter that they denied my request to fix the credit reporting and that was it. I try to pay everything on time and because of a mistake on their end telling me to close the account..ended up ruining my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX RE : Validation Required over 7 years old XXXX XXXX XXXX To Whom It May Concern, XXXX, XXXX, TRANSUNION Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over 7 years old : XXXX XXXX XXXX, XXXX ( 8 yrs, 8 mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX ( 13 yrs, 3 mos ) XXXX XXXX XXXX  XXXX. XXXX, XXXX ( 13 yrs, 11 mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over 7 years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over 7 years old. 


Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, 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 2021-01-13
Company: EQUIFAX, INC.
State: NJ
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 contacted Equifax on XX/XX/XXXX via USPS certified mail to dispute a few inaccurate collections on my credit report. I received a copy of my credit report and found the following item ( s ) to be in error. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$940.00} These are not my hospital bills. Please remove. 
I never received a response or investigation from Equifax into my dispute of these fraudulent medical bills on my report. I contacted Equifax a 2nd time on XX/XX/XXXX via certified mail and still have not heard from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells Frago Dealer Services ( WDS ) Cashed for posted dated checks before the dates indicated on the checks causing overdraft fees. 

I requested to speak to management and the representative " XXXX '' indicated he speaks on behalf of the President but was unable to make any decision. An would not forward my call or concerns to management. 

This careless effort on the part of this company is unprofessional and needs to be exposed to the consumer on their illegal practices.

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 2023-10-23
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 fraudulent charges where made to my chime checking account in the amount of {$8500.00} chime has only refunded me approximately {$2000.00} saying no error occured on the other charges even though all these charges where made at the same date and time and I immediately reported it to chime support. I filed a police report with XXXX XXXX police department I have not received a copy yet so chime also has not received a copy yet they are denying claim. Also filed a claim with the FBI cyber crime unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.

Company response to consumer: Closed with explanation