BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From XXXX XXXX, XXXX XXXXXXXX XXXX and onwards I got into these " good or service '' disputes that lead to chargebacks with " Capital one bank ''. The complaint is towards capital one, to be specific.The merchants in these disputes were unprofessional and their customers service was shady. Capital one was no better, capital one agent after capital one agent I was mislead, gaslighted, and sucked up into these claims " thinking that I would win them ''. For example, XXXX of the agents misplaced my claims and then XXXX XXXX later I had to put it together, which took XXXX  of my time on the phone ( there are call records ). Call after call with this bank in a span of XXXXXXXX XXXX, I received people who were incompetent and treacherous. All of these individuals had a negative motive that was other than providing proper phone banking. Most phone calls a fail, and just dissatisfying all-together. The back-office team of this capital one does what it wants with these disputes/claims with XXXX regard for the customer. The merchant has complete authority or " benefit of the doubt '', over the dispute itself.My account has gone negative XXXX  times due to this banks actions and " surgical discrimination '' of my banking life. There has to be regulation of how these capital one agents behave on the phone and the financial info they provide. What they're providing is a " financial service '', so there must be proper conduct that is free of mal-intent or discrimination on the basis of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$350000.00} ; {$350000.00} ; XXXX XXXX  XXXX Balance Owed : {$680.00}

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 2023-02-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have reasons to believe that Macys/ Citi bank violated my rights under the the fair credit act and/or violated rules and regulations of the XXXX when processing ACH payment. I was never informed of problem with the ACH payments. In a previous complaint my concerns were ignored and problems were confirmed that showed that Macys billing statements had errors and I was over charged {$25.00} with {$4.00} of that false claim interest fee. My records reported to the Credit bureau had on time payments and not one missed payment 6 months in a row. Emails confirming payments and not one alert of a return payment or missed payment. I was charged {$21.00} on XX/XX/XXXX for a XXXX debit payment placed on XX/XX/XXXX amount {$29.00} bank reference # XXXX. I was charged twice {$2.00} fee for interest on a {$0.00} balance. This error is shown on the end of year billing statement showing {$25.00} ytd fees and {$0.00} ytd in interest fees. What happen to the {$4.00} false interest fee? 

This was first brought to customer service in XXXX of XXXX when a balance of {$10.00} remained that I felt I did not owe. Billing statement prior to XX/XX/XXXX were viewable on line. And I had to request these statements and receive them XXXX of XXXX. 

Macys put in a blank dispute in XXXX when I called customer service. 

This is the mistake that Macys can not deny and was reported several times and on record. 

Macys/ Citi Bank billing statement under account transaction - XX/XX/XXXX payment {$16.00} and XX/XX/XXXX payment reversal {$16.00}. 

Citibank Client Services XXXX XXXX XXXX XXXX XXXX, SD XXXX Citi bank statement Personal checking account Balance as of XX/XX/XXXX was {$31.00} XX/XX/XXXX ACH Electronic Debit MACYS ONLINE XXXX XXXX {$16.00} To After payment Balance {$6.00} XX/XX/XXXX Returned Insufficient Funds - ACH Txn {$16.00} I provided a copy of bank statement to show the funds left account and it was reversed without notifying me. 

This was in dispute but Macys continued to report and charge fees. XX/XX/XXXX I paid {$16.00} instead of the {$110.00} that was being charged on an over charge {$10.00} balance. Macys continue to bill late fees on {$0.00} balance and interest. My account was reported close although it shows in dispute with {$100.00} credit limits zero balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/1963 EXPERIAN CREDIT BUREAU RE : Request for Investigation and Correction of Discrepancies on My Consumer Credit Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported late payments and charge-offs on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request urgent rectification. 
Under the Fair Credit Reporting Act, Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. The negative items that are listed have been updated due to the CFPB Breach. Please remove it immediately.

This is in violation of code 15 USC 1681 i. 
Should you not be able to furnish substantial proof of these late payments, I hereby request compliance with the FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status ( On Time ). This is imperative as I have never, to my knowledge, been late on these accounts. 
Please remove this account and update this account immediately as you are in violation of several laws under The Fair Credit Reporting Act. 

Thank you, 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 2023-01-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I spoke with a woman in the beginning of XXXX and requested this account be closed. 
Instead of closing the account, they drastically lowered my credit line which dropped my credit XXXX. This was AFTER I filed an earlier complaint about their customer service agent and the company charged me interest on a XXXX dollar balance. They removed that mark from my credit and then dropped my credit line from XXXX to XXXX. This affected my score by XXXX points and will affect it again once they actually close the card. 
This is incredibly unfair and feels like retaliation to me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 resident verify XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 experian XXXX XXXX XXXX XXXX XX/XX/2022 experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 experian XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX - XX/XX/2022 XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2022 XXXX have tried to dispute these inquiries but they have not removed them i do not recognize these at all and need them to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have several inquiries that shouldnt be on my report. I received a letter from the credit card company that agreed they were fraudulent. They informed me they asked the credit reporting agency to remove them and Trans Union hasnt removed them. XXXX shouldnt be there nor should XXXX or XXXX which are under my account reviews yet I dont have either one of these cards.

Company response to consumer: In progress
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: IN
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:
Have worked with XXXX XXXX, XXXX, and Equifax regarding information that is outdated, incorrect balances, and a mortgage that was paid in full. This includes slimly companies who do " rental checks '' and claim they have the correct information, when in fact, it is inaccurate and there was a freeze on the account to obtain the information without consent. 

XXXX provided a letter to me indicating the information was inaccurate and that XXXX XXXX, XXXX, and Equifax never called them about an investigation or that the right information would have been given. 

When paying off my mortgage ahead of time, all three credit bureaus have REMOVED the paid-off mortgage from their reports - a vital piece of information that they utilize in their so-called " credit '' algorithms. 

When paying off a car loan in advance due to an inheritance- they still have retained the wrong information about the loan and when submitting paperwork with the pay-off- they ignored the correct information. 

These " valid companies '' need to be brought before the proper Senate and House Committees in public to explain their faulty management, irregular algorithms, and why they remove vital information such as paid-off mortgages and car loans. 

Too much power over individuals ' credit has been given to these XXXX credit bureaus and now outside companies, such as rental application companies, who have no experience in credit determination, nor do they give a valid reason for denial or request correct information and use that for corrections. 

They NEVER believe the consumer who has documentation, the " investigators '' ignore true FACTS to engage in Anti-Trust schemes controlling the loan and banking markets with inaccurate and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
Consumer reporting agencies VIOLATED the FAIR CREDIT REPORTING ACT!!! PLEASE READ ATTACHMENT FOR MORE DETAILS!

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My credit file has suffered sever damage due to Transunion negligence, with respect to the FCRA and fdcpa. Transunion Report Number dated generate XX/XX/2023 You are furnishing two inaccurate and fraudulent accounts on my credit file along with an unauthorized credit inquiry from XXXX  XXXX XXXX. Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 



As Transunion conducts their investigation, I expect Trasunion to block the mentioned account within 4 business days in accordance with the law to cease the damage that has been caused. Upon completion of your investigation please furnish a new copy of my credit file to me at the address identified on my supporting documents.

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 2021-07-30
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:
I want to know what is taking Equifax so long to respond to the complaint I filed against them on XX/XX/XXXX. Complaint # XXXX. Equifax went on record an said they had information from the original creditor that validated the debt between me and XXXX XXXX XXXX. If they already have this information and had it prior to XX/XX/XXXX like they claim then why is it taking them so long to present it? They say they already have it and have had it since XX/XX/XXXX ( See Equifax dispute 3 ). They went on record on XX/XX/XXXX and said they had evidence from the original creditor that validated this debt. The evidence on that document does not validate the debt and they said they had received additional evidence from the original creditor that validated what XXXX was claiming. If they have this information already why is it taking them so long to present it. There is nothing for them to investigate. They already said they have the information so they dont have to investigate what they already claim to have. This should be simple for them. If they have what they claim too have then upload it in the next couple of days and prove what they say. Why is it taking them so long to present evidence they claim to already have. Read the document. I say they are lying and dont have any such evidence or they would have already uploaded it. I want to see this alleged evidence. I have a right to see it. if they have it show it immediately. They say they are investigating. What is their to investigate? They already have the documents according to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There are several hard inquiries on my credit report that I did not authorize and would like to report as fraudulent and have them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found out that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which are being posted in my report. 

Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX ; XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$540.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXXXXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX  XXXX  XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove inaccurate items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-01
Company: DISCOVER BANK
State: UT
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: Problem with personal statement of dispute

Complaint:
As of XX/XX/XXXX  Discover has sent me an itemize statement bill of my account which I didn't not request nor ask for. This a clear stall tactic to remove or update my utilization as stated in my letter I sent and never gotten a response back in my letter I've stated NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

account : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) 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 ) DISOVER Making the report is NOT INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) DISCOVER 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 this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX. PLEASE KNOW THAT DIFFERENCE BETWEEN AN ITEMIZE BILL AND A UTILIZATION! You stated that it's required to report to all three agencies. Yes only transactions of my spending. But it clearly does not state on paper or contract DISCOVER WILL REPORT UTILIZATION THIS IS A VIOLATON OF THE LAW. YOU HAVEN'T GIVE ME ANYTHING ABOUT YOUR INVESTIGATION ONLY A ITEMIZE BILL. I DID'T REPORT NOR REJECT MY DISCOVER CARD. I'LL ASK ONE MORE TIME PLEASE SHOW ME YOUR INVESTIAGTION REPORT INTO MY REQUEST OF REMOVAL OR UPDATE TO MY UTILIZATON.

Company response to consumer: Closed with explanation