BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XXXX, I received notification from the credit bureaus that my Capital One card was reporting a late payment of {$6.00} which was incorrect. I paid the entire balance of the card in XX/XX/. Capital One agent informed me there was an outstanding balance of {$6.00} which was not included in the payoff which was error and that they will correct the credit bureau and waive all fees. I never received any statement showing an outstanding balance NOR received any communication from Capital One. 

Additionally, based on this incorrect late payment reporting Capital One decreased my credit line from {$4500.00} to {$2000.00} on my additional credit card. Furthermore, causing me to receive adverse action on my credit bureau. Per Capital One, it was lowering due to the credit reporting agency has reported a recent credit delinquency ie my Capital One card. The agent says there is nothing they can do but to submit a credit limit increase request even though the error was their fault. This has severely impacted my credit due to the credit utilization score. Capital One needs to remove the credit late payment and adjust my credit line back to the original amount to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was checking my credit report, there are so many negative information. These information do not belong to me. Im sure that someone have my personal 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XXXX Re : Capital One Fraudulent Actions XXXX XXXX XXXX XXXX Products XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Acct # XXXX XXXX XXXX XXXX In XXXX of this year, I received a letter ( see attached ) from Capital One stating that according to federal law they needed additional information to prove my identity. As per the instructions, I faxed the completed form along with copies of my drivers license and passport. After a couple of weeks with no response from them, I phoned and asked the status of the review. After being placed on hold for a long time, I was told that the copies of my license and passport were not clear enough and that I needed to re-send them. So, thinking that the process of making copies and then faxing them XXXX have degraded the images, I printed copies and mailed them. After no response for several weeks, I called and asked the status. Again, I was placed on hold for a long time and then was told that the copies I mailed were not clear enough. Next, I mailed enlarged copies and verified that everything was legible. After several weeks and no response from Capital I called again. This time I was told the account was closed. 
Other than the letter I received in XXXX, I have not received any communications from Capital One regarding the status of my credit card account. I have an XXXX credit score. I pay my bills on time. There is no other reason for them to close my account other than to take my {$950.00} credit balance and my XXXX points that I earned. This whole scenario smacks of fraud. It is obvious that closing my account and keeping my points creates much quicker profit for them. Capital One can run their business any way they choose, and if they want to close my account, no problem. They should not be allowed to steal my money and earned points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My unemployment is deposited on a government issued MasterCard. My finance company doesnt accept payment from cards. I searched and found how to transfer money to my bank account. It worked the first time, when tried second time option wasnt there. Searched, read through their fine print, found out how to do it by phone. Third time option is no longer there. They have a 800 number that doesnt give you the option to speak with a person. There paperwork gives you a number to resolve with the Consumer Fraud Protection Bureaus that is fraudulent ( 1-855-411-2372 ), when you call and sit through fifteen minutes of commercials they give you some 411 service. I have money and cant pay my car note, when I try using an atm, they will only allow me to withdraw XXXX and then charge me XXXX dollars, and thats not enough to pay car note. Id like assistance with getting these people to unhand my money. There paperwork says they can charge me for not using my money, then they say I cant get a jury trial, I never agreed to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: NY
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:
New and updated information. I XXXX XXXX am making this complaint without the assistance of a third party. Experian is stating that they put an extended fraud alert on my report per my request and I did NOT request a fraud alert to be placed. Attached are the initial complaints made through the CFPB and a Fraud alert request is not stated in any of those complaints. Experian is who has committed fraud against me by furnishing accounts on my consumer report without my consent pursuant to 15 usc 1681b ( a ) ( 2 ). They also have not complied with 15 USC 1681 c-2 and blocked the accounts listed on the listed on the FTC 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a living soul otherwise called a XXXX by XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to Transunion, XXXX, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # 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 2022-05-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
US Bank reversed a transaction for {$82.00} from XXXX for a night I didn't stay there and a week after they left. They also reversed {$510.00} charged to me by XXXX again for credit owed to me by the XXXX hotel and nearly a week of days I didn't stay there. XXXX already owed me a {$100.00} on top of that for my deposit. And US bank didn't even send me a letter warning me of the last transaction for {$510.00}. They just took the money back. They didn't contact me to ask me for any evidence for which I absolutely had. The debit card team refuses to return my calls. I have solid proof that my claims are true and US bank seriously doesn't even contact me over this. I moved into an apartment, the payment even shows on my bill for XXXX XXXX. I am taking all my money out of US Bank because you don't protect your client 's money and I will either be getting a lawyer or taking them to small claims court. They already caused me to lose hundreds of dollars by improperly handling an earlier case and their agents not giving me the correct advice when I could have done a XXXX dispute as an alternative. US Bank absolutely is not handling this legally and is the worst bank I have ever dealt 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 2023-08-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Went to dealership with-pre approval letter from XXXX  XXXX, but somehow I now have unauthorized inquiries on my credit reports. An XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 2023-08-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, 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:
XXXX XXXX Reported : XXXX XXXX, 2023 Never open this card and they still reporting to my accounts. I did open an identity theft and this company will not take this off my credit report. 

Again I dont have this account and its been closed and investigation started. 

I want this taken off my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXXXXXX ... & 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 explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: OH
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 am a living soul otherwise called a XXXX by XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to XXXX, Experian, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 XXXXXXXX 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 2022-05-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, 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:
I do not recognize any of these inquiries listed on my credit report when I checked. 
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 2022-05-20
Company: Experian Information Solutions Inc.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : 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 explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations included on my disputes on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life. Please assist with this matter.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2021-06-03
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, XXXX my husband and I initiated the home mortgage loan process with our local Ameris Bank by completing the online application. We were told that because of the holiday week-end, we would get a call on Tuesday, XX/XX/XXXX. 
On XX/XX/XXXX, I received a call from XXXX XXXX with Amerisave who wanted to proceed with my loan. Even though the names of the organizations were almost identical, I questioned MrXXXX XXXX at length to ensure that I should be talking to him about the loan. He told me that because our credit score exceeded 600, Ameris could not process the loan and had sold it to his company. This sounded logical and we spoke for well over an hour with me providing him personal information and even giving him {$500.00} via a debit card. He was extremely competent, professional, and affable. He sent me several emails, including his contact information. Within a short period of time, he had scheduled an appraisal of the home we intended to purchase, and had contacted my realtor to make her aware of the date of the appraisal. Shortly thereafter, I received an email from someone who told me that she would be working with me throughout the loan process. 
Later, my husband received a call from Ameris Bank to discuss our loan. When my husband told them that we were working with XXXX XXXX, they had no idea what he was talking about. Apparently, Mr. JXXXX had somehow gotten our loan information and " stolen '' the loan from Ameris against our wishes. 
To say that I am irate about this situation would be an understatement. This man totally misrepresented himself to gain our personal and private information, including my Social Security number and banking information. He was totally disingenuous to meet his own agenda, deciding that he could decide who we got our loan with. 
At this point, we have informed MrXXXX XXXX that we want nothing to do with him or his company and we are back with Ameris. When I sent him an e-mail severing our fraudulent relationship, he made a snide response " When they want your money to talk with me, let me know ''. 
I am beyond baffled by this episode, and hope this is a rouge employee, and does not represent the company or the industry. Obviously, we want our money back as soon as possible so that it can be used in our real loan. We appreciate your assistance in this matter. 
Our contact information is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Our Loan number with AmeriSave was # XXXX Mr. XXXX 's contact information is : XXXX XXXX Loan Originator NMLS ID # XXXX XXXX Mortgage Company NMLS # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, Texas XXXX Phone XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief