BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 have bought a nutritional supplement called XXXX from XXXX company on XX/XX/2022 with my capital one credit card for XXXX dollars. Case number XXXX and when I took the supplement it made me very sick that I had to go and see my doctor and I was told by him to stop taking this supplement immediately and return it back to the company because it is NOT FDA approved. So I contacted XXXX company requesting a prepaid return label to return the supplement to them and get a full refund of my money but they refused to send me the refund or the return label. And they refused to resolve the issue and stopped responding to my emails. I disputed the charge with my credit card company capital one Visa card but capital one was unhelpful at all and they are not responding to my dispute and asking for all kinds of documents and second opinions .its like they want to make it impossible for me to get my money back and for them to have an excuse to deny my dispute claim. Capital one credit card has the worst customer service quality and they have a very poor business practice. This is a simple dispute claim. I bought a supplement and it made me very sick and the seller has a 100 % satisfaction guarantee or my money back so I am NOT satisfied with the product and it made me sick and I want my money back and capital one should refund me my money permanently. A permanent credit to my card. Capital one credit card case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
This is a violation 15 U.S. code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit information. Please remove immediately. 

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 2022-09-12
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:
I have given notice to EXPERIAN on XX/XX/2022 that identity theft has occurred and inaccurate reporting has resulted from the identity theft. 

included below is a list of inaccuracies being reported. 

XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. EXPERIAN XXXX XXXX  XXXX XXXX. EXPERIAN 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 2017-07-04
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We receive notice of balance {$380.00}. XXXX account # XXXX. Ask them send us full invoice to the address, they send the notice of debt.Unsteady they ask me my social security number, name. I will not agree. I will prefer discuss with representatives who originated the invoice.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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 {$7000.00} purchase at XXXX XXXX XXXX and was offered a 0 % interest to XX/XX/XXXX store card through Comenity Bank. 

- on XX/XX/XXXX, I paid the card in full in the amount of {$5900.00}. I miscalculated and the amount was overpaid by {$200.00}. 
- on the XXXX statement, the overpayment was shown and it indicated the {$200.00} would be refunded within 30 days. 
- on the XXXX statement, a Fraudulent charge of {$120.00} on XX/XX/XXXX showed up, a charge I did NOT make. 
- I immediately called in and was told that the charge was erroneous due to them changing over a billing system and that it will be reversed and refunded. I also asked to close the card, but the representative asked me to wait until the refund has been issued before closing the card. 
- It is now XXXX and I still have not received a refund and see that Comenity is still reporting the account open with a balance due on my current credit report. 
- I called in early XXXX to inquired again about the charge and refund on was told they sent it and will send it again. 
- Today, XX/XX/XXXX I again called in regarding the Fraudulent charge and was told by a representative named XXXX that my account was closed as of XX/XX/XXXX. I asked her about the fraudulent charge and refund, she THREATENED me that IF she were to open an investigation that I will be responsible for the charge and will OWE Comenity an additional {$120.00} since the account is closed. An amount that Comenity NEVER returned to me in the first place, but I will have to OWE THEM additional? 

*Comenity has a Secured Messaging board, however after you are done composing your message and attempt to submit it, an error message appears asking you to try again at a later time. 

Comenity is a dishonest credit issuer. They should better train their employees to properly review transactions and respond to customers OR place a better system so that FRAUDULENT/BOGUS charges just don't " show up '' on consumer accounts. 

At this time I just want Comenity to properly issue my refund and accurately report to the credit bureaus that my account is PAID IN FULL, ON TIME AND CLOSED. That seems too much to ask for of this bank. This has been the most frustrating experience I have had with a bank thus far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Unauthorized Credit Inquires

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 2023-02-27
Company: Experian Information Solutions Inc.
State: IL
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2022-09-12
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in my credit report shows an address in TN that is not mine ( I never live at that address ) and also a collection that i have no idea who it belongs to. I disputed but the credit agencies won't remove it from my account. I never live at the address it shows in a state that i never lived in. they are charging me {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NJ
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:
Equifax stored my information insecurely, putting myself and family at risk. Furthermore, they are currently unavailable for " XXXX '' requests as of XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX i informed Capital one XXXX XXXX also the credit bureaus that my identity was stolen and my information have been compromised into several data breaches and also someone fraudulent accounts have been opened without my knowledge they said they will investigate and they claim they did but i dont have a resolution into this matter under the fcra it states 15 U.S Code 1681s-2 a person or company shall not furnish any information relating to a consumer to any consumer reporting agency if the information is inaccurate i would like these fraudulent accounts removed please because its hurting my credit profile and effecting my ability to take care of my family i filed a police report the police report number XXXX i even sent them copies of the report and have supporting documents and they claim after the investigation everything true and accurate also i have cleared up the matters with XXXX  but XXXX  is still reporting it on my credit reports XXXX  and XXXX  removed it already also i informed the credit bureaus about an unauthorized inquiry i found on my report told them to remove it but its still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I filed a claim for unauthorized charges on my business bank account with JP Morgan Chase on the XXXX of XXXX from XXXX a payroll company. XXXX gave me 3 months free service and charged me fees on the XXXX and XXXX of XXXX. On the XXXX of XXXX I notified JP Morgan Chase of the error. The bank requested documentation to credit the account. I was unaware that XXXX would be charging my account. There were two charges {$870.00} and {$190.00}. I requested that the bank dispute the charges. I tried to work things out with the merchant directly and was unsuccessful. I ask that JP Morgan Chase withdraw the claim, and that I would reopen it if the merchant did not honor their promise to credit the funds to my account. This discussion happened on the XXXX of XXXX. On the XXXX of XXXX, Chase sent me a letter saying that the case was resolved but never credit the account as they were supposed to. I have given the bank overwhelming evidence to dispute the account. Today, I requested that the bank reopen the claim and they told me that " the bank would not reopen the claim because of the probability that there would be a back and forth situation of processing the claim. '' I was not clear on what " back and forth '' means and so I decided to file this complaint with the CFPB. I am requesting the bank return the funds back to my account. The bank has enough evidence to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Information belongs to someone else

Complaint:
I have not opened a credit card in over a decade. XXXX keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: ERC
State: VA
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:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
id theft victim report enclosed to police and id theft gov violates cra inaccurate information must 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: Continental Finance Company, LLC
State: OR
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:
Sent a letter on XX/XX/23. Company still has not responded. The collections company holding this debt has removed the debt off credit report. This credit card company has not as of yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Account information incorrect

Complaint:
I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this 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 2021-10-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled a charge off with Wells Fargo on XX/XX/2021 and received a letter that says they received the payment of {$1700.00} on XX/XX/2021 to satisfy the balance for my account. as a result I do not need to make any more payments. However on my credit report they show " Account charged off. {$4.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/2021. '' this account should show legally settled for less than full amount. I called them and they were rude and tried yelling at me and cut me off last phone call was XXXX @ XXXX, had to yell through phone to get transferred to supervisor and said that they can not do anything about it to contact the credit bureau . I have recently settled more accounts and they show legally settled for less than full amount. with XXXX amount due.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
Inaccuracy reported by credit reporting agency which asked to correct Paid as agreed no lates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF EDXXXX XXXX XXXXDEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 explanation