BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted capital one on several occasions ( approximately mid XX/XX/XXXX, mid XX/XX/XXXX and mid XX/XX/XXXX ). They keep transferring me to overseas representatives who keep repeating information like robots and have no clue into how to resolve an extremely simple issue. 
I purchased tickets on a monthly payment plan in XXXX for a concert ( XXXX ) in XXXX. I asked XXXX to stop charging my card in mid XXXX and again in XXXX as they were not responding to when tickets would be shipped. It was cutting way too close as airfare and hotel need to be purchased quickly as prices go up fast. Long story short XXXX never stopped charging and I never went to the show. 
I contacted capital one with this same information and they advised me to send a copy of the communication between me and XXXX. I sent them PAPER copies via snail mail AND pictures via their secure dispute link. The emails clearly show me asking to stop the charges and not wanting the tickets anymore ( which is not against any terms & conditions per XXXX  ) and a representative NEVER emailing me back about my issue. Why is it ol for Capital one to not resolve this and to also continue to charge interest on a charge that should have been refunded. Till this day CAPITAL ONE NEVER PROVIDED PROOF THEY EVEN REACHED OUT TO THE COMPANY ON MY BEHALF TO RESOLVE A YEAR LONG ISSUE. I am hoping CFPB can get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Chime account and had been banking with them without any problems. Had a deposit come in my account around XX/XX/2021 that had my name on it and they closed my account without sending me a check for my funds that was in that account. I contacted Chime several times and was only to correspond through email due to them closing the account. I was never able to speak to a live person. I am in need of getting my balance from Chime. Can you all assist me in getting my money from the institution? I do know they can not confiscate money from anyone that they did not supply. Please help!. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-10-06
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 mailed out several letters regarding inaccurate and unknown things on my credit report. It has been over 60 days and I haven't got any response or action from them. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and I'm asking you to help me resolve this.

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 2021-10-06
Company: Experian Information Solutions Inc.
State: ME
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:
All three credit agencies have out dated or missing information, and do not reflect each other in positive info. No creditor, or lender can do a credit check and see all three reporting agencies, all they can see is XXXX, and XXXX, no ability to view Experian, which is holding the highest scores. I have multiple inquiries on my reports from names that I have never heard of, or applied through for credit checks. 

I have made and continue to make disputes on these sites.

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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
All three credit agencies have out dated or missing information, and do not reflect each other in positive info. No creditor, or lender can do a credit check and see all three reporting agencies, all they can see is Transunion, and XXXX, no ability to view XXXX, which is holding the highest scores. I have multiple inquiries on my reports from names that I have never heard of, or applied through for credit checks. 

I have made and continue to make disputes on these sites.

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 2023-08-11
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. 

XXXX Account Number XXXX, ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX ( fraud ), XXXX Account Number XXXX, XXXX Account Number XXXX ( fraud ), XXXX XXXX Account Number XXXX ( fraud ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX  Account Number XXXX, XXXX  Account Number XXXX ( FRAUD ) XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( was sold at auction with no balance, company never served me certified mail by law of a sale of vehicle, statue of limitation has exceeded also ), XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), 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 explanation
Consumer complaint received 2021-10-05
Company: WELLS FARGO & COMPANY
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:
Upon checking my credit report, I notice an account from WELLS FARGO BANK that I believe is not being reported correctly on my credit report. On XX/XX/2020, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that WELLS FARGO BANK is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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 recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with these companies. 

The line of credit reported with these companies is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. 15 U.S. Code 1681 ( A ) ( I ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) a report containing information solely as to transactions or experiences between the consumer and the person making the report! 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the creditor Name here ) making the report is XXXX INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) put creditor name here ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681A 2Ai by reporting the transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below and delete all Utilization from the below account.

( List accounts with high utilization here ) Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Long term user of a Paypal account and Business Debit Card. Recently, my son paid his rent to our family via " friends and family '' of {$500.00} on XX/XX/2022. The money came into my Paypal account minus a fee of {$14.00}. I immediately refunded the {$500.00} payment to him which should have reversed the transaction and the Paypal fee of {$14.00}. 

Instead, they took {$500.00} from my corporate bank account to pay back my son and that took 10 days for him to get the money back into his bank account. 

I have spent over XXXX hours trying to get this fee refunded. 4 days ago, a Paypal representative said he would refund it. He lied, no such credit back to my debit Paypal account or bank took place. 

Today, I called again, after all, messaging for 12 days resulted in nobody at the other end responding. ( a joke and probably intentional so people give up ) I don't give up, ever. I warned Paypal I would turn them in today since the phone chat went badly and the supervisor on the line said the policy changed the day the transaction took place which was XX/XX/XXXX. She said no more friends and family will be allowed at XXXX fee " into '' a business account. 

She lied. I am attaching the email document that clearly states this policy was to be implemented in the future, which is XX/XX/2022! 

I think companies that lie openly need to be investigated by a major audit of all transactions when they are fraudulently taking hard-earned money in illegal fees and doing so against state lines. 

I encourage you to personally investigate them on a wide basis to uncover other transactions similar to mine in fraudulent activity and illegal fees taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: MO
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:
My credit lines with XXXXXXXX XXXX have been incorrect since XXXX. The billing history and amounts are not reporting correctly. I made 3 formal complaints for resolution. On my last attempt the agent made a mistake trying to correct the issue and ran 4 new credit inquiries negatively impacting my score. They promised to correct this and it has been more than 30 days with no action taken. This cost me my refinance and has caused undo hardship,

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 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Date Credit card was open XX/XX/2022 I made my first purchase for {$170.00} XXXX XXXX, XXXX XX/XX/2022 I called to pay the balance off, spoke with a representative, who I ask, what method of payment can I used, representative said bank information only ( PULL THE CALL ) capital one restored amount available back to {$200.00}. 
I made another purchase, this time {$100.00}. 
Received a letter from Capital One stating : XXXX XXXX XXXX payment return on XX/XX/2022 due to invalid account number I have been established for 6 years with my bank never this problem. 
XXXX  manger XXXX XXXX on XXXX XXXX who place an investigation case number XXXX XXXX said someone will contact me with the result. I did not receive a response. 
I call back s/w XXXX ID XXXX XXXX who said that I gave the 2 sets of bank information number very interest call he kept contradicting his opinion on the matter ( pull the call ) I could not understand why my bank information was invalid I call my bank, the XXXX said account show no electronic payment ( I have the letter head from the bank ) I called capital one to receive some clarity and spoke to a Representative who couldnt tell me no more than what I am telling her? ( Pull the call ) account invalid. 
I told the representative that I want to clear the balance I use XXXXXXXX XXXX XXXX information. amount XXXX on XXXX XXXX THAT payment was return XX/XX/2022 no transaction code I spoke to a supervisor XXXX ID # B XXXX on XXXX XXXX ; I asked her if we could do a conference call with XXXX ( pull the call ). She said yes so thats how WE found out that XXXX XXXX only allows electronic payments for Direct Deposit. 
supervisor looks up different location for capital one, XXXX XXXX XXXX made a payment of {$50.00} that day on XXXX XXXX Payment billing cycle is due XX/XX/2022, Capital one close the account XXXX XXXX Capital, one has me as fraud after speaking to numerous representative and supervisor ( no one care ) STEAL, why would I call in trying to make payment on account? 
a representative took the wrong account number down and she caused my account to be closed. 
No one will listen to me and trying to receive assistance from Capital one is impossible. 
Capital one does not care about their customer Me. 
Capital one close my account on XXXX XXXX XX/XX/2022 place my account collection place on my credit report. 
payment not due until XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Aldous & Associates, PLLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Unknown person opened a credit card in my name, and made a charge with XXXX XXXX for {$200.00} on XX/XX/2015. This was identity theft/fraud. 

The debt collection agency, Aldous and Associates, has said they need a fraud report in order to wipe the charge from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CBC Companies, 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, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: MOHELA
State: NJ
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:
XXXX/Mohela  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
There are inquiries on my report that I did not consent. It is against the law to report inaccurate 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 2021-10-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account was closed at credit grantors request which is in violation to FEDERAL LAWS. Violation to 15 USC CODE 1691, I am due {$10000.00} in damages. 15 USC 1681n I am due {$1000.00} in damages per violation.

My account was closed with out my knowledge or approval where is my green receipt/proof you sent anything regarding this account?

According to 15 USC 1602 ( p ) late payments are considerate unauthorized use, I did not get a benefit from the late payment as a credit card holder. I never got the proper documents or disclosure needed to correct payment According to 15 USC 1605 how am I late? The finance charge connected to my consumer credit transaction include all fees.

I am demanding according to my consumer rights, per the federal laws that my account is reopened with an open ended credit card and yall must report only positive information. ( COPIED FROM AFFIDAVIT SENT OT THEM )

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