BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 My secured credit card from capital one had a {$25.00} minimum payment due. I went to a payment center to make the payment, when I was being helped I realized that I did not have My debit card in My possession and ultimately was denied access to make the payment. Upon reaching My belongings, capital one debit card and statement, I called capital one, I was eventually connected to an agent whom proceeded to complete the payment, in which I had decided to pay the entire balance of {$180.00} through the means of My credit union checking and savings account. In concluding the phone call with the capital one agent, I was given a confirmation number for the payment. After a couple of days passed, I checked My capital one accounts mobile app to ensure that My payment on My account was in good standing. I recognized that the information shown was not what it should have been. I called capital one back, I eventually spoke to another agent whom eventually proceeded to ensure Me that He had cleared up the issue of My credit unions non payment to My capital one account, while also acknowledging that I made an attempt to make payment on time by waiving the {$25.00} late fee and providing Me with another confirmation number as well. Eventually, the same issue rehashed and when I made further contact with capital one I was informed that My account had been closed due to XXXX unsuccessful fraudulent attempts to have the bill paid. After settling down and letting a couple of days pass, I called capital one back, I eventually spoke to another agent whom had no clue about My account being closed, seen that I had a {$56.00} minimum payment due and proceeded to take the {$56.00} from the same credit union account that I had previously used and had been informed of its failure to be successfully processed. I would like to include the fact onto the facts that I have stated above, that I can exhibit those facts in an more concise format upon request in order to clarify any discrepancies. Thank You. Sincerely submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a 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 2023-03-16
Company: Resurgent Capital Services L.P.
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 this creditor has violated my rights! 
Under act 15 U.S.C. 1681 section 602 says " I have the right to privacy. '' 15 U.S.C. 1681 section 604 A section 2 it also states " A consumer reporting angency can not refurnish an account without my written instructions under 15 U.S.C. 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This bank is horribke not replicable they refuse to reimburse me fraud that occurred in my business and personal checking account my account is overdrawn by this this is not fair they refuse to call me the XXXX office is horribke to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
At Best Buys request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX report as of last XXXX for an account that has been paid off. This dropped my XXXX  score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in Best Buy Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX  credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2022-09-21
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX  Account number XXXX XXXXXXXX  Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX U S DEPT OF EDXXXX Account number XXXX U S DEPT OF EDXXXX Account number XXXX U S DEPT OF ED/XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX DEPARTMENT OF EDU Account number XXXX Account name XXXX XXXX XXXX Account number XXXX US DEPT OF EDXXXX Account number XXXX XXXX XXXX  Account number XXXX has violated my rights 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 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 2021-06-15
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went to Costco to sign up for an ordinary membership. The clerk filled me out for a CostCo credit card. I told the clerk I did not want the credit card because we already had an ordinary one we use. Today in the mail I received my CostCo credit card which I explicitly said I did not want to sign up for. I called the company and cancelled the card/account today but want to file this complaint to hopefully help the next guy this happens to.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
{$230.00} on XX/XX/XXXX I disputed an XXXX XXXX XXXXXXXX XXXX account ending in XXXX on my Experian credit report this account was open in XX/XX/XXXX now after the dispute Experian falsely reaged this XXXX XXXX XXXXXXXX XXXX account to XXXX of XXXX I never even had this account open in XXXX of XXXX it wasn't open until XX/XX/XXXX. Experian keeps telling me I am wrong with this information this information was taken directly from my credit report I've been pointing out the errors so how could I be wrong when it's what experience is showing me

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 2023-05-31
Company: EQUIFAX, 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:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX XXXX and Equifax to reinvestigate these accounts. 
XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open dates, date of last activity and much more is incorrect. According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. 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 crime which, from date of disposition, release, or parole, antedate the report by more than seven years. The Bureaus are not in compliance with metro 2 credit reporting. I also have the evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX  XXXX XXXX  from XXXX XXXX for suppose to be sale price of XXXX with a trade in of XXXX, they got me approved through credit acceptance with an interest rate at highter percentage than they said! The dealer also said dont tell no one we have you XXXX for you XXXX only credit acceptance if they ask! On my paper work after I left they never even showed the XXXX for XXXX and the cost is XXXX! XXXX still paying and getting no where its XXXX  me! I contacted dealership and they said the sale was complete and explained but it was not!

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UNKNOWN PERSON APLLIED FOR CREDIT 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-08
Company: U.S. BANCORP
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/13 I was called by a US Bank number ( us bank impersonator ) ( XXXX ) regarding a fraud charge to my bank account. I was told that they would help me sort out the fraud charge which was described as a wire transfer to XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, AL. I gave sensitive info as requested via us bank text messaging system ( XXXX ). I didnt have time to be on the phone so I said I will sort this out with my local bank. Fraudsters became quiet so I hung up and call my local bank asap. Later that day I found out that any phone calls to my number would be transferred to ( XXXX ). 

I feel as though US Bank has done nothing to try and fight this fraud case. My questions include : Why was this wire transfer not flagged? Wouldnt a wire fraud of that amount to another state seem suspicious? Why wasnt the receiving bank contact asap? What constitutes some fraud cases being refunded vs others being declined?

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 2023-05-31
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: BARCLAYS BANK DELAWARE
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:
XX/XX/XXXX I opened a formal dispute to Barclays Bank of charges to XXXX XXXX XXXX in the amount of {$4700.00} for the months if XX/XX/XXXX through XX/XX/XXXX for services that were not rendered for a vacation resulting in a conflict of agreement with the merchant. XXXX XXXX XXXX failed to make contractual payments to the hosting facility ( XXXX XXXX XXXX XXXX XXXX ) resulting in breach of contract and the cancellation of the planned event. XXXX Getaways notified their patrons 24 hours before the planned event via email. I emailed XXXX XXXX several times but received no response to confirm that the event had really been cancelled and how to get a refund. I attached a copy of the email as documentation to Barclay 's for review. Hard Rock XXXX XXXX released a statement stating that Music getaways breached the contract and there were no rooms reserved for Music Getaway guests.- I submitted that documentation for Barclay 's as well. 
XXXX XXXX sent out several emails stating that they were at fault. I sent that documentation to Barclay 's as well. 
In all, I sent Barclay 's XXXX pages of documentation of the cancelled event to support my case. 
Barclays bank stated that the charges from XXXX XXXX  were vaild and that the merchant provided XXXX pages of documentation that a credit had been added to my account for future events. 

XX/XX/XXXX Second dispute to Barclay 's bank asking them to reopen my cases. I advised Barclay 's that I did not received tickets/nor credit from XXXX XXXX. I also in formed them that XXXX XXXX gave all customers the option to either receive a refund directly fom them or dispute the charges with his/her bank ( in which they would not contest ) or transfer to a future event. I provided documentation from the merchant 's website to support this claim. 
Barclays bank closed the case stating the the merchant provided me with a credit for a future event and they would not honor my documentation. They did not even review the additional documentation submitted. 

XX/XX/XXXX My third dispute to XXXX 's bank authorizing them to reopen my cases. I informed Barclay 's that XXXX XXXXs altered the original contract that was submitted to them. I provided a copy of the original for review. I elaborated that there is no information in the original signed document about a no refund policy/ nor a credit. XXXX XXXX submitted a fraudulent document to Barlcay 's Bank. XXXX XXXX has since wiped clean my account information and all future events have been cancelled. 
I also informed Barclay 's Bank that XXXX XXXX has since filed bankruptcy and I provided the filing number and number to the court. I am awaiting a response.

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 2023-04-18
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2023-10-10
Company: Bread Financial Holdings, Inc.
State: CA
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:
I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, two Victoria 's Secret credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.

Company response to consumer: Closed with explanation