BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last month I applied online for a Capitol One Savor credit card and was instantly approved. I used the card for one month. When setting up online bill payment to pay my first bill, and after linking my personal checking account to Capitol One 's portal, I discovered that a fraudulent cellphone number was pre-populated into my account and made primary. Unbeknownst to me, Capitol One said that in 2020 a fraudulent application was made in my name for a XXXX 's credit card, and was denied. However Capitol One migrated this fraudulent cellphone number into my new account, and set it as primary - meaning that it would be the one used to make all changes to my new, non-fraudulent account. I was unable to delete it myself. Ultimately Capitol One deleted the fraudulent number. However my complaint relates to the process that allowed this to happen. I request that this agency follow up with Capitol One to ensure this process is changed, as this automatic upload of a fraudulent cellphone number put my personal and financial info in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my 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 2023-09-25
Company: Chime Financial Inc
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX - XXXX XXXX XXXX paid {$34.00} I had gotten XXXX XXXX one day, and in my delivery instructions, I have included to not leave my food outside on the ground. I do this with every order, because the ground outside is filthy, and is just pure cement. I typically do not like my food sitting where animals track, XXXX, and XXXX on. 

So in my instructions, I always right to leave on the front porch where all they have to do is open a glass door and leave the food there. The XXXX that handled the XXXX XXXX delivery decided to ignore that note, and leave it on the ground in animal filth ( XXXX and XXXX ). 

Due to my XXXX, I have to be extra careful when it comes to stuff like this, so I had to throw the order away. I've contacted XXXX XXXX about the order, and they refused to refund, as they only care about if the delivery was made, not the quality of the food. 

I've made a dispute in CHIME BANKING, owned by the XXXX XXXX, to protect me in situations like this, as they usually do, and this time, it took a month for them to finally reply, and they denied the dispute. 

I furiously reached out, asking for a rebuttal, and supplied more information, and requested to be called multiple times, and each time, they deny the dispute and never call me. I've supplied all the information, I gave emails, I gave pictures, I told them that it's inhumane to expect a person to eat food where animals peed and pooped, and they still chose to ignore me. 

They refuse to refund me my {$34.00}, and they refuse to call me when I specifically request them too each time they deny the dispute. I will continue to rebuttal the dispute until I get my money back, or report it to the FTC for refusing to do so. 

They've denied my claim a total of 8 times, including the one from today. I sent them pictures, and the emails, where even XXXX XXXX apologized and said that they would offer the refund if they could, but because it's been over 30 days, they cant, and can only offer coupons. 

I was told by chime that if I send this to their investigations team, they would approve my dispute. They did not. 

Not only this, but I made a complaint to the XXXX XXXX XXXX. Chime LIED to the XXXX and stated that my complaint was directed towards XXXX XXXX, and not chime. I do not even own a XXXX XXXX  account. They are lying because they do not want complaints registered to their bank. It's shady tactics, and they have a history of doing this to other chime bankers, as seen on XXXX where a bunch of people had been wrongfully declined their dispute. 

Everyone recommends to contact the CFPB to help us, and so here I am making my claim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX our mortgage payment was {$440.00} when I got my statement for how much my mortgage would be for this XXXX because every year in XXXX our mortgage payments change they either go up a little or they go down so when I received the statement for this XXXX an I saw the payment was for {$610.00} I actually flipped it went up almost {$200.00} when I went to the key bank on XXXX XXXX in XXXX an the manager looked at it he actually did not know what to say about it he used every excuse in the book why it went up the first excuse was well the gas prices went up I told him that has absolutely nothing to do with my mortgage payments then he said well maybe its your taxes they might of went up i told him right out not {$200.00} no way then he said the materials that you have to use to repair things for your home have also went up I said that should all be in my home owners insurance I am not getting any satisfaction about why this mortgage has gone up that much we have had it go up in the past but definitely never {$200.00} this is really gon na be hard on me because I have lost my Mom so she isnt here to help me with the payments here I am on XXXX for several back surgeries. Can you please help me out with this situation my mortgage is due by Tuesday if not paid then a late charge will be slapped on it can you please give me at least some ideas as what I should do because I am lost here. Can you please get my payments brought down for me please Im asking from my heart to please help me out. 

Thank you for taking the time out an reading my letter I really appreciate it very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a Bankruptcy XXXX  XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX  XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted Fifth Third bank, Bankruptcy Department XXXX what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXX XXXX from Third Fifth bank, Bankruptcy Deparment named XXXX , told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited XXXX mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the XXXX XXXX XXXX  had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 2023-05-24
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Covington credit says they sent me a check to my mailbox. I never requested this check and I never received this check which they say was cashed. Evidently they just send random loan checks in the mail. I called them on several occasions to no avail. I have reported this to the credit bureaus and they just confirm that its a real credit that I took by discussing with this company. Theyre a balance of {$830.00} that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter which posted a charge of {$1400.00} levied by the collection agency National Enterprise System ( NES ). The date on the letter reads XX/XX/2019. When I called NES, the different representatives that I was transferred to refused to give me an explanation of the debt. They did not want to tell me what services or merchandises that I purchased that cost this dollar amount. They asked me to give them the account number written on the letter which I did. But instead of telling me why I owe this debt, they keenly insisted on me giving them my personal information, although I repeatedly verified the account number and my address.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : 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. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-09-08
Company: Experian Information Solutions 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:
First let me say this complaint and Experians response will be used as evidence in my lawsuit against Experian. It will also be sent to the California Attorney Generals Office to serve as evidence that Experian is knowingly and willfully aiding and abetting in a crime. In Florida it is a crime for a collection agency to attempt to collect a debt from a Florida resident if that agency is not licensed in Florida as a consumer collection agency. This law applies to all collection agencies rather they are located in Florida or not. The Florida attorney Generals office has legal authority to prosecute any company that violates this law regardless which state the company is located in. XXXX XXXX XXXX XXXX does not have a Florida consumer debt collection license nor do the meet the legal exemptions. XXXX XXXX XXXX XXXX is committing a crime by trying to collect a debt from me. ( I live in Florida ). Experian is aware of this crime and knowingly and willfully allowing XXXX XXXX XXXX XXXX to use their ( Experian ) Platform in furtherance of this crime. This is no different, for example, if XXXX knowingly and willfully allowed someone to engage in the crime of prostitution on their platform. XXXX is a crime and XXXX would be held legally accountable for their role in that crime. XXXX XXXX XXXX is also committing a crime and Experian is aware of this crime and chooses to allow XXXX XXXX XXXX XXXX to continue in furtherance of this crime by allowing XXXX XXXX XXXX XXXX to use Experian Platform in furtherance this crime. I have reported this crime that Experian is committing to the CA Attorney Generals office. Let this complaint serve as evidence that Experian is not only aware of XXXX XXXX XXXX crime but they are also allowing XXXX XXXX XXXX XXXX to use their ( Experian ) platform in furtherance of this crime. I filed an earlier complaint against Experian, using the CFPB PortaXXXX, and made Experian aware of this crime that XXXX XXXX XXXX XXXX is committing. I even provided evidence to Experian that proves that XXXX XXXX XXXX is committing a crime. Despite this Experian willfully and knowingly allows XXXX XXXX XXXX XXXX to use their ( Experian ) platform in furtherance of this crime. This makes Experian guilt of aiding and abetting in a crime.

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 2018-12-05
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Tuesday XX/XX/2018 the bank assessed a XXXX dollar ( {$36.00} ) 'overdraft paid ' fee. Apparently, the fee was resultant from a temporary hold or authorization pending on the account. The two transactions, in question, ( {$50.00} and {$120.00} ; respectively ) did not actually post to or debit from my account and using the banks own terminology never once moved from the temporary authorization pending to completed categories and has since 'dropped ' off the account completely, as expected. 
I would argue that the account balance was at no time placed into a negative balance based on the transaction type, by design, being transitory. It's my contention that the bank intentionally delays settlement of transactions, of this type, in an effort to maximize the opportunity and occurrence of these contrived, disingenuous fees ; under the guise of revenue generation. 
It's clear to me that charging this fee is a deceptive practice and an attempt to collect rent seeking revenues from its customers. In so doing, this deceptive practice, causes financial harm to its account holders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
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:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX, XXXX, XXXX, XXXX 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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I started out with no credit but im working my credit profile up. my credit hasnt been shown for a few months now

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 2023-05-24
Company: Block, Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/23 I initiated a purchase at XXXX with my cashapp debit card for {$970.00}. It was scheduled to arrive XX/XX/23. It didnt arrive but said delivered on the tracking status. Once I discovered the error and negligence I notified XXXX and spoke with an associate that assured me an investigation would be held about my missing package. Shortly after speaking with XXXX associate I received an email about the investigation and was notified the investigation was complete. I have not received the product I paid for or a refund. A clear violation of not only consumer protection but the code of federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been working so hard to clean my credit due to previous fraud. All the creditors only refer me to speak with the bureaus. No one wants to help me. 
But in the last months I have had 4 inquiries, that I have given zero authorization to use. 

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 2021-05-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 90 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.

Company response to consumer: Closed with explanation