BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
In late XXXX, XXXX, I went to Florida to visit friends and rented a car from XXXX at the XXXX airport. It was billed on my Capitol One credit card through XXXX vacations. Before dropping the car off back at the airport, I stopped at a gas station and filled up the tank. 
Yet what appears on my credit card but an unauthorized charge for {$43.00} for gas for the car. This was billed on XXXX XXXX. I was outraged, and called the credit card when I saw the charge.. I got passed from one person to another to another and finally someone said they would remove the charge due to fraud. The charge was removed on XX/XX/XXXX ... and then immediately replaced. When I called again, it was removed on XX/XX/XXXX ... then put back on XX/XX/XXXX. 
I tried the XXXX what an oxymoron. They give XXXX a top rating. I will never trust them again. Meanwhile customers give it the lowest rating possible, one star, and there have been nearly 2000 complaints from customers the past three years. 
Plus when I checked other people have been hit with the same thing here 's one on XXXX " But my biggest gripe was they charged me {$14.00} for " less than full gas tank ''. In fact, I filled the tank and the only gas spent was from my hotel to the airport. '' Another one was charged over {$100.00} for gas, but I can't find that complaint right now. This company literally steals money from customers, and yet Capitol One thinks that's just fine. It needs to permanently remove that fraudulent charge from my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: PA
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 that I am never late for but they're reporting me as late.

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: Experian Information Solutions Inc.
State: MN
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It's ridiculous because I have always paid this account on time and have never been late.

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 2022-04-28
Company: Chime Financial Inc
State: MD
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 disputed some unauthorized charges with chime and within 8 hrs, was denied my request and they said there was no error when there in fact was an error because I did not make those charges, some of the charges were made in Texas and I live in Maryland. On XX/XX/XXXX and XXXX, XX/XX/XXXX and XX/XX/446 $ was taken from me in total and I couldnt dispute them because they were pending charges, they said they were going to work on my claim and a couple of hours later just denied my dispute and said there was no error. Multiple people have had problems with their dispute team as well, and have been told the same thing as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XXXX XX/XX/2023, I fell victim to multi-layered scam operation run by XXXX  XXXX  which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).

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 2023-08-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed bankruptcy and it has been XXXX for 3 years. XXXX XXXX XXXX will not update their records regarding this nor will they report to the credit agencies.

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes regarding three accounts associated with my TransUnion thats just plain inaccurate. XXXX is XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have spent my hard eanred money mailing in dispute after dispute with this company. I have been impacted by the negligence because I was not able to obtain credit becasue of those items. Please see attached letters regarding the deletion of these accounts

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 2022-04-08
Company: RoundPoint Mortgage Servicing LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently came across a Satisfaction of Mortgage that I received from RoundPoint Mortgage the company to whom I was making mortgage payments to. The Satisfaction of Mortgage was dated XX/XX/2017. I questioned RoundPoint about the paper work and they refused to acknowledge the validity of the Satisfaction of Mortgage, I informed RoundPoint that I would not be making any more payments, the calls and emails stop coming from RoundPoint. Recently I received a petition to foreclosure on my home from a company that I have never had dealings with.

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 2023-08-09
Company: Experian Information Solutions 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:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2021-06-17
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:
Corrected wrong account with XXXX Monday XXXX XXXX XXXX Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held XXXX with a credit score of XXXX 2 Learn more XXXX Data XX/XX/2021 XXXX XXXX XXXX and debt to income wrong. XXXX sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held XXXX because updating not real time impacting our ability to borrow and causing usurious rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
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. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-15
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: Their investigation did not fix an error on your report

Complaint:
Over the last year I have contacted Transunion about the error on thier discover entry on my bureau. I have also contacted discover. This account is full of errors as I have always paid on time and am still today. 

The attached letter indicating my account being erroneously reported has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2021-06-17
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: Account information incorrect

Complaint:
Corrected wrong account with XXXX Monday XXXX XXXX Auto Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held XXXX with a credit score of XXXX 2 Learn more XXXX  Data XX/XX/2021 XXXX Fair XXXX and debt to income wrong. Transunion sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held XXXX because updating not real time impacting our ability to borrow and causing usurious rates.

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 2023-05-15
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date : XX/XX/2023 Credit Report Information Request by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX : XXXX This company is the newest debt collector for XXXX XXXX XXXX. I do not know this debt, and it shows up 2-3 times a year with a different collection agency threatening to damage my credit and puts a new collection on my credit each year. I have no knowledge of this debt, it is not a family members, and it continues to attempt to harm me each year. It has been removed from my reports several times. 

This particular company has threatened to contact the credit bureaus if I do not respond, and they have now reported the invalid debt to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Chime Financial Inc
State: FL
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 Ordered what I thought was a living lemon tree on XX/XX/21 from XXXX. When it arrived, it was a plastic lemon tree. I immediately went on XXXX  and said that I want a refund and that I would send the item back. I then sent the plastic tree back. No refund was given by the merchant. Finally, ( and unbelievably ), XXXX actually denied my dispute about this even though I sent the tree back, which is crazy! I appealed and supposedly chime reopened the dispute. Also, I spoke with XXXX  again and XXXX  says it gave me {$55.00} credit but none has yet shown up in my credit account, It has now been two weeks since then. I don't understand how this dispute could have been handled so badly, Or why I don't have the money back yet? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2019 - company called and left a voicemail at XXXX XXXX  on a line that explicitly states it is a shared line using my name and stating theyre a debt collector attempting to collect a debt. 

XX/XX/2019 XXXX XXXX - company calls my personal cell. I answer. First calls me by the wrong name and then corrected himself after I stated it wasnt my name. Asked if I wanted to pay on my debt that they bought from the original debtor, I told him I was considering getting an attorney, that they had left a voicemail on a shared line with explicit details thus violating the FDCPA. He said he was going to talk to his manager. Placed me on hold and then returned and said his manager stated that wasnt a violation of any kind and theyre allowed to leave those voicemails. Then continued asking me to pay on the debt. Did not attempt to resolve the issue and pretended like the FDCPA doesnt exist and theyve never heard of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX, PA overcharged for rent and kept on increasing rent annually to a ridiculous amount that we could no longer afford. Then they charged us for late fees, including cable, TV, etc. there were tires out our back door and did not keep up with the neighbors constantly Harassing us. With there loud cars. They then turned over everything to Hunter Warfield, a collection agency out of XXXX Florida and has reported the amounts owed and inflated the price for the last three years. I am filing a lawsuit for harassment and dishonest fees, and collection tactics.

Company response to consumer: Closed with explanation