BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I opened a MONEY account for my baby sister who was XXXX at the time to help her learn how to manage her money. She hasnt lived with me since XX/XX/XXXX. Recently the account went into a huge negative, {$4900.00}. Causing the bank to place all accounts on hold. My personal checking, savings, my XXXX old sons MONEY account, my XXXX old nephew savings and my husbands checking. I contacted Capital One the next day and asked to be removed from the acct and was told I couldnt be due to the balance. I explained to them that I shave no idea where my sister is and had been trying to get in contact with her to see how she intended to fix this and was told that Im responsible for repaying this debt. This account in particular has NEVER received a deposit for more than $ XXXX/mo but they allowed 4 FRAUDULENT checks to clear without making any contact with me but now want to hold me responsible for. I could have advised them to at least hold the checks to make sure they clear The young lady also explained that she had me on hold for soling to make sure I had NOTHING to do with wherever scam my sister was involved in. She advised me to file a police report but the officer said my sister would have to be the one to file it since the checks were written to and cashed by her. Bc my family last told me thst she wasnt working and was not looking to do so. Im a single mother, whos divorcing her husband and trying to continue to feed my son and keep my job. Ive made several attempts to reach out to her and its all been a dead end. Please help me!!!! I can not afford to pay for a debt I didnt make on my own. I also have the images provided by mail for all of these at home ... I can provide these as well if needed. Ive also been attempting to get in contact with their Customer Resilience Dept but due to my work schedule and their hours ... Ive had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reach out to XXXX and transunion, on several occasions about XXXX XXXX  reporting on my credit and they not authorized to do so, university of XXXX is the original debtor, i received a call from the Vice President XXXX XXXX, of the original debt on XX/XX/2018 he told me he had great news that he advised XXXX to not report on my credit any more and to send my file back to the college and DO NOT CONTACT Me, are update my credit again, and XXXX and transunion was sent proof from the original debtor that they approved my appeal to remove this Tradelines from my creditor and instead they violating the M2 compliance law with out proof that this debt is valid to continue on reporting it on my file damaging my credit causing stress to me for no reason..

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 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been Capital One bank customer for more than 10 years now. I have 3 credit cards with them. Recently they reduced my line of credit on one of my cards from $ XXXX to $ XXXX ( 50 % reduction ) with " shaky '' explanation ( the letter enclosed ). I called them twice and discussed with supervises but I had run around with dead end both times. A few points : 1. I have never been late paying my bill with them 2. I am not using excessive credit with them 3. There is no indication on my part that I am some sort of a " red line '' customer or else.

4. Their argument that I am using credit bellow my credit limits doesn't make sense, maxing credit usage is a red flag, besides how many people use the max on all of their available credit cards? ( rhetorical question ) To sum up, there is no reason for this action. In fact, their " playing save '' by reducing my line of credit is a picking a fight with a legit customer and lead to : 1. My credit score went down 5 points ( XXXX ) in XXXX based on this action. 
2. A damage has been made on my credit report since a reduction of credit limit is persevered by other lenders as " there is something wrong with this customer ''.

3. Due to this action my ratio of used/available credit increased.

Damage has been made to my financial standing based on this action. I believe this is a hostile action not in good faith against me in the light of this Covid-19 crisis, an excuse to damage relationships with the customers. This action is no way of keeping customers, expand relationship with them or get " word of mouth '' around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SageStream , LLC Consumer Office XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Reported a credit score to a XXXX dealership were I was applying for a car loan which was XXXX points lower than XXXX, XXXX, and XXXX. I have tried to contact SageStream but unfortunately no one answers or no one is able to provide a detailed description of what they are basing my credit score on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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:
In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : 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  Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to get both Equifax and XXXX to update my current address as well remove out dated debt that was involved in identity theft of my report. Some of these items have been canceled via 1099C which I have provided and explained to the reporting agencies. They are reporting these debts monthly that have been canceled and I am.not sure what they are validating when I place the dispute to have this information corrected and or removed. As well I reside in XXXX.and they have not updated my credit report address and refuse to remove addresses over 10 years old off my report. 
Equifax also has my account in XXXX XXXX  never can validate my information as a US citizen. 
I have attached my information so they can't say they don't recognize me. License and last four of social.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: AL
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 : {$21000.00}, XXXX  XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$780.00}

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 2023-01-09
Company: CITIBANK, N.A.
State: CA
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:
I used my Citibank credit card on an order I placed on the XXXX website in XX/XX/XXXX. Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I went ahead and canceled the order and deleted the credit card from XXXX 's website the same day so that XXXX would not charge the credit card. 

As a precautionary measure, I locked the Citibank credit card through Citibank 's online banking website as well, because I had heard XXXX engages in deceptive marketing tactics. Citibank processed the unauthorized transaction after I had deleted the card from XXXX 's website. That is an abuse of my credit card.

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 2020-06-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
Dear Sir/Madam, Two charges dated XX/XX/XXXX and XXXX, 2020 to XXXX for {$40.00} and {$100.00} are fraudulent and should be removed from the account. These charges were never authorized by me nor by the primary account holder. These charges were removed two months prior by chase following my complaint to chase, and then again appeared on the credit card current statement. 
The phone number listed next to the so called merchant does not even work [ XXXX ]. 
It took me over a dozen calls to Chase, each time after i : repeated the same complaint over and over again and again, Chase told me they have to transfer the call to fraud department which was disconnected. 
Eventually, i : spoke with fraud department today, and they told me that they investigated my complaint and found that that charges were correct, i : questioned them how can it be correct, when the so called merchants phone number does not even work and that it seems to me that someone in Chase fraud department is getting paid off, i : then demanded to speak with a supervisor, the supervisor gave me an email address to complaint to which i : did, XXXX It looks to me that Chase is part of the fraud on me and i : ask CFPB to please interfere and stop Chase 's misconduct. 



XXXX XXXX Tel : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09
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: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: MI
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-06-02
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
when the vehichle was originally picked up for repo Santander offered to return the vehicle upon payment of the past due amount and applicable fees, which was done the day following the vehicles repossession. after checking my credit report 30 days later the account showed as charged off/ closed by creditor. when i contacted Santander about this inaccurate status i was informed it would remain that way until paid in full. i was unable to attain any movement in all attempts to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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 filed a dispute with Chase Bank, the issuer of my credit card that I used to make a payment to a merchant. The said payment transaction was made on XX/XX/2023. I filed the dispute on XX/XX/2023. I promptly uploaded all supporting documents on Chase 's website demonstrating the assurances made by the merchant and their failure in delivering services at the assured quality. 

The Chase representative reviewing the claim called me on the phone in XXXX. It seemed like they were quite keen on summarily closing the case and kept asking for documentary evidence without providing any clarity on what was lacking in the documents that I already provided to them. Also, after spending a good 10 mins on the phone, I mentioned to the agent that I need to continue the conversation at a different time because they called me while I was in another meeting. The agent did not seem too interested in discussing the matter and instead suggested that they will close the dispute stating that the charge is valid. They suggested that I should reopen the dispute if I so wish. Now when I try to open the dispute again, Chase 's website asks me to call their customer support. This seems like a big waste of time because I have already gone through the entire process without getting any adequate support. 

The Chase credit card is not cheap. They charge a substantial annual fee for the credit card. So it is quite disappointing that when it comes to providing such basic service as protecting credit card customers against suspicious merchants, Chase is failing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NV
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:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX 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 NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation