BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: CITIBANK, N.A.
State: IL
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 XXXX I purchased a living room set at XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, IL with a total amount due of {$4200.00}. I paid {$600.00} in cash and debit card, with the salesman in the store, and charged the remaining {$3600.00} on my Citi Simplicity credit card. I swiped my credit card when the salesman informed me he was ready to accept payment. The salesman informed me the first swipe did not work and he requested I swipe a second time. 

My card was charged twice for the same purchase. The first charge in the amount of {$3600.00} is authorized. The second duplicate charge in the amount of {$3600.00} was not authorized by me. 

The merchant made an error at the point of sale. After numerous attempts to contact the merchant to request the unauthorized charge be reversed and resolved went unanswered, I filed a dispute with the credit card company on XXXX ( dispute ID number : XXXX ). The credit card company provided a conditional credit after I submitted supporting documentation this was an unauthorized charge, contacted the merchant, and gave the merchant until XXXX to respond. 

On XXXX the credit card company notified me that they have closed their investigation, reversing the conditional credit in the amount of {$3600.00} plus interest ; and attaching a notice from the 3rd party vendor ( Stripe, Claim Id : XXXX - XXXX ). THE END OF PAGE TWO OF THIS DOCUMENT STATES THAT MY DISPUTED CHARGE IS A DUPLICATE AND THAT THE MERCHANT/3RD PARTY IS NOT CONTESTING. In subsequent contact with the merchant ( XXXXXXXX XXXX XXXXXXXX ) since the XXXX dispute, the merchant provided a statement in writing that they are not disputing the unauthorized duplicate charge. XXXXXXXX XXXX XXXXXXXX reported to me via XXXX XXXX that the unauthorized duplicate charge would not be disputed. 

The XXXX letter from the credit card company indicated that I may continue disputing the unauthorized duplicate charge if I reply by XXXX. On XXXX I provided additional documentation to support the my dispute via fax and email to Citi, and demanded that the unauthorized duplicate charge and interest be withdrawn and reversed permanently. 

The canned and automated reply emails from Citi Simplicity ( the credit card company ) for my ongoing dispute are not reassuring. My trust in their process is waning. 

I did not make, nor did I authorize, a duplicate charge in the amount of {$3600.00} on XXXX the unauthorized charge was an error made by the salesman at the point of sale in the 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just reviewed my XXXX and Transunion credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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 2019-10-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019 we initially send out 3 payments using PNC Banks Virtual Wallet online Billpay. There was a mix up where we submitted the payments from the incorrect account and so all 3 payments ( for {$3100.00}, {$200.00} and {$150.00} respectively ) were returned. I called their phone channel and spoke an agent who understood and help me out with the initial return fees. He however failed to disclose that the payment would be automatically resubmitted by PNC Bank after I asked if the returns were final. On XX/XX/XXXX I checked my accounts and they were debited a combined {$6600.00}. I resubmitted my mortgage payment separately because I was told that once the payments were returned, that would be the end of it. I called PNC Banks phone channel and was told that there was nothing that could be done until the charges posted even though the payments were resubmitted without my authorization. I contacted PNC Bank once again today and the agent I spoke to told me that there was nothing they could do about the fees and that I was at fault for not manually canceling the payments even though I was never told that I had to do at. Even after I explicitly asked about the returns being finalized. When I contacted PNC Bank the third time I was kept on hold until I had to go into work. I also tried to cancel the payments so that it would not be retried a third time and found that there way not option to do so. 

This is not my first issue with PNC Banks online billpay either, twice previously I submitted a payment for {$50.00} and instead a payment was submitted for {$500.00} exactly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had two inquiries ( XX/XX/22, XX/XX/22 ) on my credit to open new cards with Capital One. Neither of these inquiries were made by me. I do not have a Capital One credit card. I contacted the company immediately after I was notified of the attempted opening of both cards, both times reporting it as fraud. They have done nothing about this and both attempts remain on my credit report as hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: AR
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:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my 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 2019-10-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland credit management has filed a lawsuit against me and I have no knowledge of who they are. I have never signed a document owing them anything. They have also never reached out to try to settle this supposed debit. I tried paying a settlement amount when I got the court paperwork and they wouldnt take anything less than full amount. I dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On my XXXX XXXX  phone all 3 credit reporting company 's login and passwords all taken off screen. Login will not work i have all 3 with a security freeze. Sense a year ago there should be no activity on 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 non-monetary relief
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-18
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent one complaint about this company and it was not resolved to my satisfaction. I will pay the debt but due to the fact I have never received any notice of the debt or any reciept in the mail for my first payment. I am sending my next payment in a few days and wonder if I will get a reciept in the mail as well. I believe that the company should remove the collection info from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX TRANSUNION and XXXX continues to violate a host of my rights as a Consumer. 15 usc 1681b ( 2 ) and 15 usc 1692. They are breaking federal law. They are infringing upon my right to privacy as a Consumer and continue to damage my reputation. Whats the point of having FCRA and FDCPA Laws if they arent going to be enforced? How are they getting away with this? I want the accounts attached to this complaint removed immediately or I will seek litigation and get what Im entitled to under 15 usc 1681o and 15 usc 1692k. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Wave Financial USA Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I submitted a complaint over the phone with a live agent from the cfpb on XXXX regarding my XXXX money business account. The complaint was not inputted correctly and XXXX denied they are the company the complaint is about. I am attempting to fix the previous complaint # XXXX. I am filing this complaint because I this is the XXXX time I received a large payment from my customer and XXXX  chose to hold the money from me for XXXX  days. XXXX took their fee out of the transaction immediately. This held up production on the job and when the money was finally released they closed my business card stating I claimed it was lost or stolen. I never made such a claim. In fact, I specifically instructed the XXXX representative, XXXX, on XXXX not to close my account. She closed it anyhow and said I needed to wait XXXX days until I received a new card in the mail. The card is the only access I have to my business funds and my business has been on hold for over XXXX weeks. I asked if they could expedite it to me and was told no. They closed a previous card of mine out after receiving a large deposit and did allow it to be expedited, but made me a pay a fee. I received a letter from XXXX XXXX  ( XXXX ) in the mail XXXX  days later on XXXX asking me to provide details of the disputed transaction ( there was not a disputed transaction! ) I can't understand how they can send this bogus letter out but not my card. I called to check the status the status of my card on XXXX and was told they had no record of a new one being shipped. They hung up on me. I called on XXXX and was told it was processed on XXXX but they could not provide a shipping carrier or tracking number. The same story was given to me each day since and I am also told there are no managers that work there. Each call ended with XXXX hanging up on me. Their customer service is degrading and I am ashamed and embarrassed to tell my clients I am using XXXX  at this point. XXXX different reps said my card would arrive today or tomorrow, but I have many doubts. I have not been able to pay utilities, rent, suppliers, or do anything for that matter. All the reviews I have read state that XXXX has taken their money after closing their account and left them with no recourse. I am petrified and their bad faith business practices are simply unacceptable.

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX! XXXX DOB - XX/XX/XXXX LAST 4 SSN - XXXX FILE NUMBER XXXX PLEASE APPLY THESE LAWS TO MY ACCOUNTS : I AM WRITING TO ASK THAT YOU DELETE ALL UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, AND CLOSED ACCOUNTS, ALSO FRAUDULENT ITEMS THAT I HAVE FOUND IN MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO REPORT THESE ITEMS BUT HAVE YET RECEIVED ANY RESOLUTION. I AM AGAIN ASKING THE ITEMS LISTED BELOW TO PLEASE BE DELETED FROM MY FILE AS MANY OF THESE ITEMS ARE MISREPRESENTED ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS AND DEROGATORY REMARKS HAVE MADE IT HARD FOR ME TO LIVE A DECENT LIFE. 


DEAR SIRS/MAMS THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
provide me with the signed contract authorizing you to report your private personal information to a third party., you are in violation of 15 USC 1581 section 1666b as well, it states creditors ( financial institution in this case ) cant treat payments as late for any reason unless you notify me that Im about to be late 21 days BEFORE your my due date, which you havent done remove all lates now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have disputed information with XXXXXXXX XXXX. They closed account and showed XXXX balance and placed foreclosure on report which is not correct. When I disputed account they then reopened account showing a balance and deed in lieu and 6 miss payments. They did this in order to hurt credit.

There is no deed in lieu. I don't have 6 miss payments and. The account should show XXXX balance owed All information reported is inaccurate and must be deleted. 
And I do have email confirmation on my dispute with 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 2021-02-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase claims that my interest rate is XXXX. In reality this is not true as they compound the interest DAILY which means I am paying interest in interest. This my 14.99 % APR means I really pay 16.16 % ( EAR ), thus u have to go thru the fine print and u see they compound it daily which costs me a lot of money annually, quite a bit on my XXXX balance. This is wrong, deceptive, and has been allowed too long. If they say 14.99 % APR it should be that way where interest is only compounded annually. Since they claim XXXX instead of XXXX they are defrauding the public in the name of corporate profits. I know that due to intensive corporate lobbying that this is unlikely to change as they make billions from these shenanigans. At least publicize them and get them to report the TRUE interset that you actually pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
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: Reporting company used your report improperly

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, and XXXX XXXX XXXX  ACCT # 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

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 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Walmart Capital One Mastercard. I always pay in full upon receiving the statement. I just received the statement with late fees and credit interest stating that I had to make a payment on XX/XX/2022. I just received the statement yesterday, XX/XX/2022. How am I to pay on the XXXX of XXXX if I do not know its due until I receive the statement. I always receive the statement approximately 12 to 14 days after the XXXX of the month. Yesterday it was the XXXX. How am I to know when to pay? This is wrong. This is FRAUD. They list {$28.00} late fee and {$21.00} interest because of the late fee. Somehow the statement has {$1300.00} owed. Yet my transactions are {$940.00}. There is a difference of {$350.00}. They do not have any account of this. 
This is wrong. I paid the money I owe, {$940.00}. I do not know where these people are coming from. Their fraudulent statement does not make sense. I do not owe that {$350.00}. I need your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$500.00} on XX/XX/2019 online, and I have paid {$110.00} every 2 weeks since then. As of now I have paid them {$1000.00} or more, and I still can not get information on what I truly owe. There is no information on the loan online with a balance. I have no way to know how long they will say I owe them.

Company response to consumer: Closed with explanation