BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
- Capital One Bank has improperly and illegally applied a purchase adjustment to my account for {$11.00} - In late XXXX, I filed a dispute with Capital One for the amount of {$29.00} for an item that was bought from a Merchant ( XXXX ). Capital One later improperly filed a dispute for the full purchase amount of {$110.00}, although I never disputed that amount. After several calls, I spoke to someone at Capital One who was able to correct this gross incompetence and they later did a purchase adjustment of {$83.00}. Essentially {$83.00} plus {$29.00} = {$110.00}. 
- On XX/XX/XXXX, Capital One made a purchase adjustment of {$11.00} on my account which is illegal. 
- On XX/XX/XXXX, I received a refund of {$11.00} from XXXX, which was for a different item that was returned to them. Within the {$110.00} purchase that was made from XXXX on XX/XX/XXXX, I made a return for an item for {$11.00}. The merchant received that item and gave me a refund. 
- Capital One is improperly doing a purchase adjustment for {$11.00}, although I never disputed {$11.00} with them. My dispute was for {$29.00}, which they did incorrectly ( by crediting a total of {$110.00} ), and later corrected by doing a purchase adjustment for {$83.00}. 
- Unfortunately, they are not understanding that my purchase for {$110.00} included several items. One of these items was refunded by the merchant ( for {$11.00} ) ; I never disputed that item with Capital One, and never received a credit for that item at any point from Capital One. So, Capital One, has no business doing a purchase adjustment for this. 

It is a shame that a financial company is making these errors which reflects a high level of incompetence which should not be tolerated. 

Capital One needs to apply a credit of {$11.00} to my account because it is for their incompetence and lack of care in improperly doing a purchase adjustment which should never have been done in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: MO
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX XXXX never delinquent, XXXX  not mine.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I previously filed CFPB complaint XXXX on XX/XX/2021 because an extended fraud alert was missing on my Transunion credit report. Transunion claimed to have fixed the problem and on XX/XX/2021 sent me a new credit report, which while including the extended fraud alert, was now missing my security freeze. As information that should have been in my credit report now appeared to be missing, I also decided to pull another copy of my Transunion credit report on XX/XX/2021. The XX/XX/2021 report was once again missing my extended fraud alert, which Transunion previously claimed to fix. It appears Transunion did not properly fix the report. My report should include three credit report messages : an extended fraud alert security alert, a security freeze, and a promotional opt out. The last three Transunion reports I have pulled have only included 2 out of the 3 messages.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am interested in disputing all inaccurate information on my credit report with transunion. checking the data filed alot of information is invalid an hurting my credit report. please delete all information submitted in the files to delete an correct all the errors.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Trans Union is violation of FCRA ( 15 U.S.C. 1681 ... ) As this information is inaccurate and they will be sued for that reason. Trans Union is the only agency reporting this information as I have attached all screen for proof and other lagel documentation from prior disputes with CFPB. 

Records : # XXXX # XXXX # XXXX They have sent a generate response, which holds no weight. I demand a discription of reinvestigation and all parties involved. That would included names, phones number, addresses and documetation of proof. Please provide me the method of verification and accuracy of this account # XXXX ( XXXX XXXX XXXX  ) as XXXX  and XXXX  have remove this acocunt from my credit report. 

Now that we have made all the attempts to get this corrected and have a paper trail, we can move to forward to the courts and Trans Union will have to explain Why they are the only agency that is reporting this inaccurate information and destroying my credit 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 explanation
Consumer complaint received 2023-08-18
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I purchased a comprised XXXX XXXX XXXX XXXX XXXX XXXX Security code XXXX Exp XX/XX/XXXX on XX/XX/XXXX. I purchased from XXXX XXXX for XXXX. When I tried to activate it XX/XX/XXXX It showed a XXXX balance. I checked and somehow it was used at a XXXX  store on XXXX XXXX CA on XX/XX/XXXX XXXX hours after I had purchased it. Long story short... I called the XXXX and spoke with some person names XXXX ( Im sure it made up ) I advised how can a card be compromised when sealed unless the store clerk or Tech savvy people inside visa are boosting peoples info before the package is unsealed? 

I got a XXXX response of would I like to fill out survey. I said no I need my money back. The person then gave me some fax number of XXXX. I did everything they wanted me to do and fax to prove I was the owner : 1 ) You need a valid drivers license or valid id 2 ) Copy of your visa card front & back. Make sure its a light copy so it can be readable. they say 3 ) Copy of your utility bill or something with your name and address on it.

4 ) Copy of orig. receipt of where you purchased then fax this XXXX along with the ID # they gave me XXXX XXXX Then a statement showing Please register this card under the name and address shown. Wait XXXX days for a response. I faxed 4 times and after all this no agent was willing to help. Every time I called on the status of a replacement card, they just gave me the runaround or hang up on you. There excuses were : You must fax your info with 200 % and XXXX shades lighter or some 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 2020-12-20
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:
Since XX/XX/2018 till Present I have been making timely payments and Capital One Administration refuses to raise my credit limit at least {$4000.00} to {$5000.00} so I be able to purchase items in my community shopping centers in XXXX XXXX County, California. 
Such as Appliances, Electronics, Vehicle Gas, Travels and much more and cost of living is very expensive in California. 

I am going through a VA Loan process to purchase a new home and low credit limit is not helping raise my credit scores with XXXX, XXXX  and XXXX. 

Respectfully, Capital One is not allowing to raise my credit limit because of my XXXX XXXX and many Federal Government complaints. 

I have a XXXX  XXXX and XXXX  XXXX income of {$4700.00} from California XXXX XXXX XXXX XXXX and my income goes up 3 % every year on XXXX XXXXand is XXXX. 
XXXX Income never reduces. I have recently sent evidence document by email to Capital One around XXXX XXXX but I don't see my credit limit elevated. 

I respectfully could use a credit limit increase to at least {$4000.00} to {$5000.00} for XXXX shopping for my beautiful little grand-daughters ages of XXXX, XXXX and XXXX. 
My Present Capital One credit limit is only {$750.00} and for California, our US Military Veteran needs higher credit limit. 

During Covid19 Pandemic many US Military Veterans could use higher credit limits. 
I am respectfully a US XXXX XXXX  Military Veteran. 

This is a Urgent Request and with Honor and Respect Always. 

I am purchasing a new home with my VA Benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2023-07-07
Company: Experian Information Solutions Inc.
State: TX
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:
This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

These accounts have violated my rights! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 
Please provide original contract with my signature or I expect these accounts to be deleted within XXXX days!!!

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 2021-07-08
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
i called an closed the account they never did and charge monthly {$40.00} i didn't new account was open i called they told me my new amount is {$80.00} ( past due ) they said it was their mistake and credit that amount and close the account then my credit report told me i had 52 points less due to past due account / deliquent i called them, they send me to send a letter to their credit repair still the same

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 2023-08-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for an apartment and was informed that I have an eviction flagged on my credit report. The house that is listed belonged to me and my former spouse located in Louisiana. The house that we owner was sold in XX/XX/XXXX and the proceeds were divided 50/50.

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 2023-06-29
Company: EQUIFAX, INC.
State: MI
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 XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Third attempt in reporting unauthorized accounts and unauthorized injuries on my credit profile.

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 2022-04-05
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called this company about the amount they say I owed and to try and settle after they say I owed a lady said that threatened me saying they was gon na see me and take legal action if I didnt pay within XXXX day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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. I am never been late on this 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 explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
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. 

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 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 a 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 explanation
Consumer complaint received 2017-02-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received my discharge for my bankruptcy on XX/XX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Lockhart, Morris & Montgomery Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 {$8900.00} Debits colector Lockhart Morris & Montgomery Original creditor 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief