BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I needed to move money to my house mate. Despite using XXXX with another bank I am limited on capital one. I only could only send small increments or XXXX would put a hold on the funds. I tried sending XXXX XXXX dollars and it wad held so long i had to call to have the transfer cancelled. After that hangup i started just sending smaller amounts ( which was very inconvenient ). All of this was happening around the time XXXX was " officially '' malfunctioning. Since I had to break up transfers it made there be more of them. Some where in there XXXX or Capital One mishandled a {$100.00} XXXX  payment to my house mate. Over 2 months later out of no where I receive an email stating a withdrawal was started for {$100.00}. I called immediately to find out who was trying to take money. CAPITAL ONE told me they had no idea. After multiple calls, all saying they had no idea what was going on ; they told me to call back the following day ( which would be after my overdraft grace period ). After the charge and overdraft hit my account I was then told this was due to a XXXX error. No fee was waived. I was offered to put in a ticket to investigate the issue ( which is pointless when all of this was done behind the scenes, I was never alerted prior so I could resolve it ). The investigation of found no issue on their part and they referred me to XXXX. This type of behavior needs to be looked into. It's one thing to have a glitch with a company you partner with but it's not fair to then charge customers a service fee for a glitch. Especially when numerous calls were made in prior to posting to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29
Company: U.S. BANCORP
State: IL
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:
Between XX/XX/XXXX and XX/XX/2019, my computer was hacked through a fraud announcement concerning a coin bonus where I clicked on a link. Someone was able to then steal and use my credit cardaccess and information and make international purchases of cryptocurrency coins in the amount of $ 6,200.00+ dollars where the U.S. Bank USA let the action happen unknown to me. When I found out what was happening I frantically called the bank, alerted the action of fraud to them, told them to close my account, stop my card from future use, and asked for another card to be sent to me. In my own investigation, I found my security back-up information of telephone and email address had been removed and fraudulently replaced with a different international telephone number and an email that was XXXX in nature using XXXX. I was able to find this intrusion, change the information back to my original telephone number and email and change all of the passwords to my computer and two of my emails that had been hacked. I had my computer scanned and checked by a firm that I use in Florida to make sure I was clean of the hacking. I called the bank, talked to their fraud dept., stated what had happened, giving them the fraud evidence. U.S. Bank USA send me a letter stating that I would be credited for the frauded theft amount which they so did. A number of days later, they took back their action of credit and told me that I was now responsible for the hacking/credit card action and would have to pay the money back that had been stolen from my card. I contacted the bank twice, filed a theft report at the XXXX Police Dept of theft, sent two letters to the Bank CEO but was refused any help and was told again that I am totally responsible for the theft action of my credit card account. XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I discovered that part of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to verify certain items. It is not allowed to report these items as unconfirmed information within the legally allowed time range without providing any supporting documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2022-08-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a couple of store credit cards issued by XXXX XXXX and tried to pay them all off on XX/XX/XXXX, however, their website was down and they would not answer the phone system. I ended up sending the payment through my bank which took a few days longer. I should not owe interest on those days since it was not my fault their system was down and there was no way to pay my bill off. As of XX/XX/XXXX my bills should have been paid in full. The website shows my payment cleared by them on XX/XX/XXXX when my bill was due for XXXX. In an attempt to regain my interest, I contacted the store XXXX. They tried another customer service number which ultimately did not go through either. Eventually, I was able to log in to the website and send a message, however, the customer service message did not address my concerns and told me to contact them by phone. I tried to contact by phone again on XX/XX/XXXX, but the call would not go through. I have sent another message to get this new problem of a late fee addressed and the old problem of the interest addressed. It is unacceptable to charge people interest and late fees, but provide no way to contact them. This also applies to my other charge card under the store The XXXX also with Commenty bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-08
Company: U.S. BANCORP
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:
I have two inquiries on my XXXX  report from a company that I have no affiliation with. I have never started any products or services with US Bank nor have I ever tried to. But it seems they have pulled my credit on two different occasions. The first inquiry was XX/XX/2019 and the second was XX/XX/2019.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Information was sent to both TransUnion & XXXX that someone with a similar name/address information was incorrectly added to my credit report. Also address listed is very similar to my address. It has been over 30 days without a response from either bureau to remove inaccurate information.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: ID
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 collection company below is a fraudulent account that is reporting to my Eperian credit report. Im requesting this account be deleted from my credit report immediatley Date Opened : XX/XX/XXXX from XXXX  XXXX XXXX XXXX AMOUNT OF COLLECTION IS {$2000.00} BALANCE UPDATED ON XX/XX/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 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I made a dispute with Capital One bank as a merchant was non responsive to providing me an airline voucher that I had received for to the pandemic. Capital one then denied the claim saying I didnt provide enough information, which in fact I did. I called to follow up the last week do XXXX and was told to disregard a letter that I would recieve on XX/XX/2021 and that my claim was still open. I called today XX/XX/2021 and the manager XXXX informed me that the agent last week had lied to me and that the claim had been closed. I then requested to see why and If anything could be done and she said no. You can request the recorded calls to review how this was handled unprofessionally and incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XX/XX/XXXX I asked XXXX to remove the credit account from the my report after a long 2 months battle with XXXX, in one or more of XXXX writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with XXXX also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask XXXX to remove this many times but still this is showing on 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The following inquiries are not mine. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX dates back to XX/XX/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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have two store credit cards that where placed on my credit report from XXXX XXXX. The accounts where not opened by myself. I've tried numerous times to dispute these items off my credit report to no avail. I have attached a copy of my FTC report. 

The account in question are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This company is reporting a {$16000.00} loan for solar panels I never purchased. I have called this company multiple times to further investigate this matter, and they have an account open In my name but no contract with my signature authorizing the agreement. 

I did buy solar but with another company. This company should not be reporting any information to my credit report as I have no relationship with this company. This inaccurate reporting has harmed my ability to get lending with other creditors. 

I need this inaccurate information removed immediately. I will also need compensation for the damages caused by 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2021-03-05
Company: GUARANTEED RATE INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I closed on a second home in XXXX, Texas on XX/XX/2020, with Guaranteed Rate , Inc. The dwelling structure is not in a flood plain. However, part of the backyard is in a flood plain. I have emails from two different employees at Guaranteed Rate, stating that flood insurance was not required since the dwelling structure was outside of the flood plain. 

Now, 6 weeks later, Guaranteed Rate, is demanding that I purchase flood insurance or else they will purchase a policy for me. I contacted their Customer Service Department, by phone, and spoke with a person named XXXX. XXXX basically told me there was nothing she could do, that I needed to contact my insurance agent and/or XXXX to see if the flood map had changed since closing. It has not changed. 

There was no closing instructions requiring a flood insurance policy. In fact, in the notes of the Standard Flood Hazard Determination Form attached, it specifically states that flood insurance is no longer required. I think it is dishonest and may violate RESPA because my closing costs will change dramatically due to Guaranteed Rate unilaterally changing the terms of our contract. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I attempted to pre-qualify for a credit card with XXXX XXXX XXXX XXXX secured credit card I was informed that there is suspicious and fraud associated with my personal information with identity theft issues names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX phone # ( XXXX ) XXXX XXXX XXXX XXXX email XXXX Thank you

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 2023-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
COMPLAINT : XXXX In XXXX of XXXX I hired XXXX to redo my kitchen. I received a credit card from XXXX XXXX. I was NEVER satisfied with the work from XXXX ( scratched cabinets, appliances that already need to be replaced, chipped countertops ). Since having my kitchen done, XXXX has closed and filed for bankruptcy. I team that was in my home is gone. I have no recourse whatsoever. 

It is now 7 years later. This account has been sold to Portfolio Recovery ( account number XXXX ). I continue to be harassed by collection calls and letters. Again, XXXX has closed. I have no recourse. 

The information being reported on XXXX, XXXX and XXXX is interfering with my ability to qualify for a new home. This has been unbelievably stressful for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a dispute on XX/XX/2022 with XXXX regarding 4 collections on my credit report because I wanted to know what they were. Three of them are from Phoenix Financial all for the same amount of {$980.00} and the other is from XXXX XXXX XXXX in the amount of {$1400.00}. Not only did I not receive information on these collections but they were all added again to my credit report! So what started out as 4 collections is now 8 and were added on the exact date that I filed the dispute! There are now 2 for {$980.00} acct num ending in XXXX, XXXX for {$980.00} acct num ending in XXXX, 2 for {$980.00} acct num ending in XXXX for Phoenix Financial and there are 2 now for XXXX XXXX XXXX for {$1400.00} both ending in acct num XXXX. I then disputed those and got nothing. I told them they were duplicates and still nothing and I don't even know what they are for. So aggravating! Don't know if this is a problem with XXXX or the creditors but need this fixed! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 of 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
We have sent a demand to remove letter on XX/XX/2022. No response or communication from this company. They are not adhering to the Law of Furnishing inaccurate and incorrect information. 15 usc 1681s-2. No documents as have been provided.

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