BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: Comerica
State: NJ
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/2019 around XXXX XXXX I used an ATM in XXXX XXXX  XXXX XXXX XXXX XXXX Fl.. The ATM was owned by XXXX XXXX XXXX. I put in my XXXX XXXX Master Card and requested a cash withdrawal of {$80.00}. The transaction ended with no receipt and no funds dispersed. I asked for the manager and she explained that XXXX has no affiliation with XXXX and to call them direct. The XXXX was debited from my account. 
I called XXXX and they told me only my XXXX XXXX credit card company could handle this mater or file a dispute. I called XXXX XXXX and completed their affidavit of fraud. I was given provisional credit, but almost 2 months later I received a letter indicating the dispute was rejected. While a tracking number was provided, no dispute resolution number was indicated on the letter to allow me to followup with the credit card company. I managed to get through to a Tier 2 agent after a Tier 1 agent hung up on me when I questioned why she was asking for my social security number. 

The Tier 2 agent from XXXX XXXX Master Card indicated the merchant had represented the debit and said my card was charged and told me to handle it myself as they can not do any more for me or get a video pulled.. I agree, my card was charged - but no monies were dispersed from the ATM for that debit to my card. When I did not get my monies or receipt from the ATM I called store manager promptly and followed the correct procedure. There are cameras on ATMs that could validate that no funds were dispersed and my credit card company is claiming there is nothing more they can do. This is deplorable - so XXXX  answer the monies were debited we know that but they were not dispersed. I don't have access the video to prove I'm correct, but they do and my credit card company should pursue this on my behalf instead of hanging up on me and basically telling me that this is all they can do - they did nothing. I want my {$80.00} credit back on my card. XXXX XXXX agent XXXX which I spoke to on XX/XX/2019 around XXXX XXXX  just said sorry and hung up on me. 
Videos do not lie. 

Concerned Senior Citizen for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-31
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:
XXXX, XXXX, TransUnion have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. XXXX, XXXX  nor TransUnion did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!

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 2019-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Requested a credit limit increase with Capital One, Was given a denial due to a frozen credit report. Credit reports are all unlocked. Error on Capital one 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: NOVA Financial Holding Company, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Got a pre approval and immediately started getting dozens of scam calls a day

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 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I am XXXX XXXX. I spoke with XXXX today and this is a continuation of complaint number XXXX. I called Capital One on XX/XX/2023 in regards to the status of the account ending in XXXX and was told that the missing check in the amount of {$110.00} was found in XXXX. I asked why it and the late fees and interest fees had not been posted to my account and was told by XXXX that she would credit it to my account while I was on hold. I received the statement from XX/XX/2023 showing the payment of {$110.00} was made and the amount ( {$76.00} ) of the late and interest fees were cleared but a new amount of {$100.00} was added to the account. There shouldn't be a balance on the account because I haven't used it at all! Please HELP!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-31
Company: SYNCHRONY FINANCIAL
State: PA
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:
I pay cash at Sams Club., I withdraw my money from bank. , drive to Sams and pay full balance, the Sams MasterCard is associated with Synchrony bank. I get the associated bank with Sams header on it that the balance is due and it appears that an additional use of it since last statement has been added. More than {$500.00} and second statement has come in with {$75.00}, I have not gone into the store except to explain. The previous time was when I had needed to use my personal XXXX  MasterCard, not MasterCard associated with Sams and Synchrony bank.

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 2023-05-30
Company: EQUIFAX, INC.
State: IL
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:
XXXXXXXX XXXX  XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. XXXX is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In late XXXX, XXXX enrolled my checking account into a 2-day early paycheck program without my knowledge or consent. I noticed this and called XXXX to opt out of the program on the morning of XX/XX/XXXX. Calling was the only option available to opt out of this service. When I called, the phone menu had no options available to opt out of this new service that no one requested be added to their accounts. There were also no operators available at the time to assist me. I figured I would call back later to opt out, but then starting in XXXX I started receiving emails from Chime, some of which stated in the fine print that I was receiving them because I had an account with Chime. I never opened an account with Chime and suspect that XXXX has partnered with Chime to offer this new 2-day early pay service and has shared my personal information with Chime. I called XXXX and Chime yesterday, XX/XX/2021. XXXX only offered to opt me out of the 2 day early pay service and opt me out of all information sharing, but would provide no other information or help regarding the opened account with Chime or whether my information had been shared with Chime. When I spoke with Chime, all they offered was to have an investigator for a fraudulent account opening contact me over unencrypted email. They refuse to speak to anyone on the phone, but are requesting my full name, social security number, and birth date over completely unsecured email. The investigator did not email me until after midnight on XX/XX/XXXX. On the morning of XX/XX/XXXX, while I was contacting Chime again, I received an email and text message telling me that a debit card was on its way ( to where - I don't know because I did not open the account ). The activity on the account had clearly not been stopped or the account closed or put on hold, despite my call to Chime the day prior to state that the account was fraudulently opened. Chime and XXXX have been unable to assist me without me further jeopardizing my identity. 

XXXX and XXXX XXXX transferred money using the fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX  XXXX XXXX, on XX/XX/. 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 instruction.

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 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Incorrect Amount on My Credit Report I am writing to formally dispute an inaccurate amount that is listed on my credit report. The discrepancy pertains to XXXX XXXX and the specific details are as follows : 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 I have carefully reviewed my credit report and compared it to the original terms and agreements with the creditor. It is evident that the amount reported is incorrect, and it does not reflect the accurate status of the account. The correct amount owed is as stated above. 

I have taken the following steps to address this issue : I contacted the creditor directly to discuss this discrepancy. 

Request for Correction : I have requested that the creditor correct the reported amount to match the accurate balance and account status. 

I kindly request that you investigate this matter promptly and take the necessary steps to correct my credit report to reflect the accurate information. This includes updating the reported balance to the correct amount owed and ensuring that my credit history is accurate. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to conduct a reasonable investigation into disputes within 30 days. I also request that you notify me in writing of the results of your investigation once it is completed. 

Please be advised that the inaccurate reporting of the amount owed has the potential to adversely impact my creditworthiness and financial opportunities. Therefore, I consider the prompt resolution of this issue to be of the utmost importance. 

I can be reached at Phone Number XXXX XXXX  should you require any further information or clarification. I appreciate your immediate attention to this matter and look forward to a swift resolution. 

Thank you for your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Bank is fraudulently requesting money from me for a closed account. 
-Bank sent a statement dated XX/XX/2023 that I owe 4 months ( {$9200.00} ) for an account that has been transferred to another mortgage carrier. stating I owe for XXXX, XXXX, XXXX, and XXXX As well as giving false, inaccurate and conflicting information to credit reporting agencies and Me. 
-reporting to credit reporting agencies that The account is still open, even though the account was transferred to another Bank AND responding to previous CFPB confirming this -reporting to CRAs that my monthly mortgage is $ XXXX/month. and sending my statements asking for $ XXXX/month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
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: Was not notified of investigation status or results

Complaint:
This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to XXXX, Equifax and XXXX  as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX/XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX  XXXX  XXXX-XXXX-UNVERIFIED ACCONT XXXX-XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to XXXX XXXX and Transunion as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX/XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX  XXXX XXXX-XXXX-UNVERIFIED ACCONT XXXXNOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS 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 2022-05-02
Company: Experian Information Solutions Inc.
State: CT
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 XXXX Account # XXXX, FST XXXX Account # XXXX, FST XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX N.A. Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-09-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-22
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, The debt collector neglected to provide me with written verification of the debt. They phoned me and left multiple voicemails during the dispute procedure. Debt collectors are not permitted to call or contact you until they have confirmed the debt in writing to you. This, I believe, is a communication strategy for resetting the clock on an old debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Personal information incorrect

Complaint:
Several calls was made to Transunion today ( XX/XX/22 ), in an attempt to do the following : request that only my current, physical, and official name, and address appears on my credit! It wind up being : a waste of time, effort, and investment to getting something done! Their automated system had already drilled, and screen me first, to make sure of my identity, in which I did successfully passed! It wasn't until I was connected ; to alive agent, when all the drama started! Every time looking around, my security response was incorrect! It just seems to me, I should had passed, one of those security questionnaires! Transunion made sure I wasn't successful, and didn't accomplish anything today! Most of their security questionnaire was : always in reference or pertaining to outsiders, instead of me personally! I knows about my ; past history in terms of previous names, addresses, employment, and geographic locations! It shouldn't be required of me : to keep up with the XXXX 's, and others ( strangers, relatives, and or associates )! Let 's call Transunion conductivity today, for what really is ; a retaliation against me, for filing a grievance, in a form of complaint with CFPB! Must I go Deeper???

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 2021-06-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a XXXX Bank checking account with a {$300.00} online bonus offer, described in this promotion : https : XXXX TD Bank did not honor their promotion and has not credited my checking account with the {$300.00} bonus, even though I met the terms. 

I called their customer service and they explained that they would not honor the promotion because my {$2500.00} deposit was made via check rather than ACH. 

The terms of their promotion do not state that there are contingencies based on deposit type. The terms simply state : " To qualify for the {$300.00} personal checking bonus, new personal checking Customers must open a TD Beyond Checking account with cumulative qualifying direct deposit funds totaling {$2500.00} or more into the new checking account within 60 days of the account opening date. '' I deposited {$2600.00} on XX/XX/21 so I should qualify and I'm owed my {$300.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
I was billed while being on a fix income and XXXX on XXXX XXXX and XXXX XXXX for XXXX dollars from XXXX XXXX XXXX.It 's been on going since XXXX XXXX account # XXXX.I would like it to be remove from my cridet report under section. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 infromation .Any other adverse item of informtion other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681- @ ( A ) ( 1 ) A person shall not furnish any informtion relating to cusumer to any comsumer 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