BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 I scheduled an online payment for XX/XX/2018 using Capital One 's online payment website. I received an email on XX/XX/2018 that my payment of {$7000.00} had posted. My XX/XX/XXXX and XX/XX/XXXX statements showed the payment applied to my account. 

On XX/XX/XXXX Capital One reapplied the {$7000.00} charges back onto my account with no notification. I found the problem and called Capital One several times in order to get an explanation and to seek a solution. Each time I called I was given a different reason for the charges. Twice we connected with my checking account bank to verify that I did not have the money returned. 

My XX/XX/XXXX statement includes interest in excess of {$200.00} but I never carry a balance so as to avoid interest charges. 

My checking account bank has provided me with a letter with the transaction ID of the payment and I have provided that information to Capital One as well as copies of the emails and payment history taken from Capital One 's website showing payment and confirmation number. 

On XX/XX/2018 I requested that Capital One investigate the error and I was told that they had 10 business days to reply and that the replay would be in the form of a letter.On XX/XX/2018 I called XXXX XXXX for an update and I was told that they hadn't started working on the issue and they would need an additional 10 business  days. 

Capital One 's inaction has resulted in a 59 point decrease in my credit score which before this issue was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
I am writing to dispute the accuracy of several accounts that appear on my credit report. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I am requesting that they be removed immediately. 

The accounts in question are as follows : 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 Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

Furthermore, under 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.

I am requesting that these accounts be removed from my credit report immediately, as they are inaccurate and have been reported without my written instructions. Thank you for your attention to this matter. Also Remove immediately all inquiries from all 3-reporting agencies. Remove all address from my reports and phone numbers, my Name is. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please also remove all employment names from my reports. thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
15 USC 1681 c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT ( 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 I have included An Ftc report 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 2019-10-03
Company: Paypal Holdings, Inc
State: KY
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 banked with XXXX since XXXX of XXXX and shortly opening the checking account I noticed some very tedious transactions from Paypal. I contacted my bank and asked them to dispute these fraudulent charges and they said they would. 2 months after XXXX sends me a verification stating that some were credited and others were found that they had been legitimate! How I told them they were not my charges!? I contacted Paypal in XX/XX/XXXX to discuss how this may have happened and advised them the only time Ive done business with PayPal was roughly XXXX. I gave Paypal all the information they requested from me to discover 2 accounts had been tied to my name fraudulently and requested they be disputed and terminated. I gave Paypal several phone calls between XXXX and XXXX of XXXX and there still has been limited action taken to help me resolve this matter. In XXXX XXXX removes me as a consumer setting my account XXXX XXXX in the negative and Im now without a financial institution and the bank claims to have had fraud liability protection. I have submitted proof to the XXXX branch on XXXX XXXX XXXX XXXX Kentucky. The bank never took my account seriously even after I had disclosed in specific my need for the account coming from XXXX XXXX that handles my XXXX funds monthly. I was told no chArges for atm transactions not true, I was charged for my first order of checks that was free, I learned the hard way that my account was in fact not a real checking account but considered a cash account? I had that fixed! I used to stand high about my thoughts of these financial institutions and now am just overwhelmed with anxiety and stress not having much appreciation for myself its that bad. Im suffering terrible hardship Im being harassed and I keep begging to make this all a thing of my past. These companies do not care about us small time consumers we are just trash or thats the way I sure do feel after this plus much more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have over $ 100K in this business checking account. We ave had the account for over 10 years. The bank sent us " marketing questions '' to complete and threatened to freeze our account if we did not answer them. We tried calling the phone number - no answer. We completed the papers and returned them to our local branch in XXXX. We received another letter, we went to the branch. The assistant branch manager discovered that the Incompetent Branch Manager, never turned them in. Last week he assured my husband that he would take care of the situation. Today, Citibank froze our account. I have checks bouncing. First, under what grounds can they legally freeze my account? Second, we turned in their paperwork, so they had no reason to freeze the account. These banking practices need to be stopped. The bank has no right to freeze an account because a client does not answer " questions designed to offer you better products and services ''. I can understand wanting to verify my identity - but they did not want that information. These practices should be investigated.

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 2022-08-11
Company: SYNCHRONY FINANCIAL
State: LA
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:
On XX/XX/XXXX I made a purchase from XXXX for a crypto mining machine in the amount of {$25000.00}! I charge it on 4 credit cards, 3 in the amount of {$5100.00} each and 1 for {$10000.00}! They never shipped my machine and told me on several occasions that the item was going to ship but never did! On XX/XX/XXXX I sent them a message to cancel the order! On XX/XX/XXXX I disputed the charges on all 4 credit cards! 3 of the credit card companies credited my credit card because the company never shipped the item to me! The XXXX card Synchrony Bank did not credit my card! I disputed the charges and went through 3 disputes with Synchrony Bank that were all turned down because the seller stated that the machine was shipped but was not and the seller did not show any proof that the machine shipped! Then seller stated that it was a special order, it was not! This machine has never shipped and the seller stopped communicating with me! 
This is a XXXX 's XXXX XXXX issued thru Synchrony Bank

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 monetary relief
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are 5 accounts with the XXXX XXXX XXXX XXXX that are showing on my credit report. These accounts have been closed for some time. 

They are showing missing payments from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX There was any agreement made and these payments were made up.

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 2023-03-14
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:
Upon reviewing my updates, the incorrect information was found in my reports which I believe has been taken care of due to the written appeals I sent. The 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 account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: SC
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, 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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 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. 16815-2 ( A ) ( 1 ) A person shall not furnish

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 2022-03-17
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit is a debt collector as denied by 15 usc 1692a ( 6 ) I XXXX ; XXXX for XXXX XXXX am a federally protected consumer as defined in 15 usc 1692a ( 3 ) 15 usc 1692c ( a ) states that a debt collector may not contact the consumer without prior consent. 

Midland is also in violation of 15 usc 1692d ( 5 ) with the repeated called to my line despites whether or not the calls were answered Midland credit does not and did not have consent to contact me for any reason and request that they cease and desist all forms of communication in relation to this debt. This includes any reporting on my credit report. 
15 U.S. Code 1692k - Civil liability for every violation of this section, midland credit will owe {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts are Listed on Credit Report that are Reporting Late payments, Chargeoff, and Write-off. These accounts are closed and Creditors refuse to send 1099..Credit Bureau won't remove inaccurate information because all 3 can't be active at the same time. Also reports from Child Support as well as Bankruptcy Court which the Courts Haven't Provided. But are included in my Reports. We are currently seeking a Home and this Process isn't working please help. XXXX TransUnion and XXXX are not helping

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2022, I logged in on Transunion 's website to look at my credit report. I noticed an account that stated the estimated removal date to be XX/XX/2022. I called Transunion, and explained to customer service, since today is XX/XX/2022. She explained on her end, it shows the account will be removed in XX/XX/2022. I told her I was still logged in, and the account shows me it will be removed XX/XX/2022, and then requested to speak to a supervisor. The supervisor, XXXX, proceeded to tell me the same information, that on his end, it shows that account will be removed in XX/XX/2022. I, again explained what I saw on there website, and also saved and printed that information. I explained to him, that is a violation of the 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 2019-11-17
Company: EQUIFAX, INC.
State: IL
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 sent a police report in to XXXX and XXXX quickly contacted them and received it and began updating my credit file and removed fraudulent information. When I tried to get Equifax to do the same, they blocked my online privileges to do so online and made it impossible for me to upload supporting documents by disabling site privileges on my end. The sites code would be disabled whenever I logged on via my equifax account. I asked them to update my information and they refused to even after mailing evidence in from homeland security, FTC, and asking them to contact the other agencies for a police report. I kept asking them to dispute the fraud and errors on my report and was ignored. Instead they added a false account this week to my credit file trying to prevent me from accessing higher education loans a week before enrollment. While there is no payment history for the fraudulent account they have ignored my requests to remove it even after providing evidence of apparent fraud. The other 2 agencies removed it and I kept asking them to update their credit file accordingly and I was ignored. I asked for a copy of my credit report to be sent three times and never received one. Please assist me in this matter as I am being provided poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$8.00} XXXX XXXX Balance : {$35.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$51000.00} XXXX XXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXXXXXX Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: MD
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 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Fig Tech Inc.
State: TX
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:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am still getting phone calls, letters on a debt that is not mine. If you review all the CFPB case history, this is an uncollected debt, not mine, this company, XXXX XXXX XXXX has not been a viable business for many years. They are still reporting this debt on my credit report, many times they have said this case is closed via CFPB and allegedly it was and they keep attempting to sell this debt for collections. I want this stopped and removed on my credit bureaus on all three bureaus. You last case number that was closed was XXXX

Company response to consumer: Closed with explanation