BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I bank with Capital One and I filed a dispute for a {$400.00} purchase from XXXX. The items purchased were not as described. I purchased hair with the intention of bleaching the hair to then dye and customize for my business. I supplied multiple forms of proof that the hair was described as being able to be bleached by the seller. But the hair was, in fact, not able to be bleached. The seller 's defense was that the items were not described this way, but I submitted screenshots of the seller 's website showing that the items are very clearly described this way XXXX the description is still currently published on the website ). I also reached out to ( 2 ) other hair companies and had them confirm in writing that the hair provided was not as described and could not be bleached. Nevertheless, Capital One has decided to deny my dispute and charge me for the items purchased. I do not believe I should be charged because the seller 's defense that they did not described the items in this way is clearly rebutted by the fact that the very same description of the items is still published on the website and available to the public. It honestly feels like Capital One did not even attempt to look at the facts provided or advocate for the consumer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My daughter and I have a checking account together .my daughter got a check from a lady that needed her to send money to XXXX . 
Ps they also took my daughter 's savings account money. 


. 
.my daughter put the check in the bank by atm on XX/XX/2023 and the bank cleared it on the XXXX the bank was closed on XXXX an XXXX then we tried to get money on the XXXX they told us that the check was counterfeit.and froze our account took what money we had left from out ssa check.and said we would have to pay XXXXhowever on the XXXX our ledger says XXXX then on that same day that bank took the check and said we owe XXXXwhen all along we thought the money was good. The check was from a lawyer .that owed this money to our friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX spproximately 30 days ago, sometime around the beginning of XX/XX/2023, I discovered that my Chase credit card balance reflected {$3000.00} in unauthorized charges. In addition, several months had passed since I received a paper statement in the mail. I contacted Chase via phone to report these innaccuracies and inform them of how concerned I was that someone had apparently been able to gain access my card. I wasn't able to get any resolution with them at the time I made the report and I paid the balance in order to avoid my credit being affected and so that I could continue to use my card. I deposited a total of {$3700.00} for this reason and as soon as I did this, Chase immediately closed my account without notifying me or attempting to follow up with resolving my complaint and crediting me the {$3000.00}. They also took the {$700.00} I had intended to use to purchase something I needed then completely locked me out of my account. I have been unable to access any of my statements for the timeframe that these charges were made so I can't provide you with them at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2022-01-29
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian, XXXX, XXXX XXXX XXXX company {$450.00} XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account from my credit report. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA Experian has violated my rights as Consumer and Im requesting legal action to remove this account immediately.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: AZ
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 opened a dispute with Experian for my XXXX XXXX XXXX XXXX  account ( late XX/XX/2022 ). During the dispute investigation, the creditor was not honest and decided not to change or correct my account balance to reflect paid in full. Because, my account balance was Paid In Full before and during the dispute investigation. After reviewing the Experian dispute results dated XX/XX/2022, I called the creditor and they refused to accurately update my credit report. And the creditor rep told me to contact Experian to clear this matter up. So, I immediately called Experian and they said ; I can try to upload documentation proof for the dispute or mail the proof to their XXXX XXXX XXXX which would take several weeks to process ). I tried uploading the documentation and it was not accepting my numerous submissions.

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: VA
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-07-30
Company: EQUIFAX, INC.
State: CO
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 is reporting incorrectly to Equifax ; XXXX and XXXX  a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 filed an dispute with Cabelas XX-XX-2017. 
Advised, Cabelas to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Cabelas that they are allotted 30 days to provide disputed results to me. Never received correspondence from Cabelas.

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 is missing that should be on the report

Complaint:
TransUnion and XXXX are reporting two different amounts of late payments which is in accurate.

15 U.S. Code 1681

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-01-09
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: Old information reappears or never goes away

Complaint:
After 3 years. A account is reported back on my credit reports. The original creditor is reporting and the agency they apparently sold this debt to. First, its against the law for the original creditor and a collection agency to report the same thing. That is fraud! Second, this was removed from my credit report XX/XX/2016. Due to incorrect information, harrassment, threats and etc from XXXX. Then its a different name of XXXX XXXX and the collection agency XXXX XXXX. Both the same with a couple dollars off. All illegal and fraudulent.This needs to be removed and never sold or return on my credit report ever?

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 2022-01-29
Company: Experian Information Solutions Inc.
State: AL
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 opened a dispute with Experian on XX/XX/XXXX because they are showing a card with XXXX still has over XXXX past due. That card has been paid in full since XX/XX/XXXX and I uploaded proof from XXXX stating that. Experian closed the dispute yesterday XX/XX/XXXX and claim XXXX stated the XXXX past due is accurate. It's not. I called Experian yesterday XX/XX/XXXX and agent opened a new dispute. It has also been closed as of today XX/XX/XXXX. The system barred me from disputing online again. This is hurting my credit. I already disputed with XXXX and have that same account showing {$0.00} as is accurate. This credit card was opened by a family member without my knowledge. That family member has subsequently paid in full and this {$1800.00} past due should not be on my account.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was told by XXXX XXXX this was updated on XX/XX/XXXX and Experian is not updating it.. 
Please have Experian update it!! Its XXXX not XXXX, makes a big difference with credit scores! I would like to take advantage of better scores and rates. I was turned down by a Credit Bureau for a Refinance and am needing to try again!! 


XXXX XXXX Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes.

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 2023-02-23
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had problems with the original creditor of MACU. First of all they were paid in full once the loan was originated by submitting in reimbursement from the US Treasury through my XXXX XXXX XXXX trust. The loan has been paid. MACU then decided to not clear the loan and report negative on my credit report as not paid. Then MACU sold the debt to XXXX XXXX XXXX and they unlawfully accessed my credit report and made negative remarks and violated 26 US code 7813 and 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
The company has not given me any answers to my dispute and I want this removed immediately. I am finding almost all history on my credit report is invalid and all done without my knowledge. This application and card was fraudulently obtained and i dont know when or by whom. Im trying to remove all from credit report immediately. Few companies are giving me problems and then I have decided I am going to lock/freeze my accounts so this is unable to happen again. Please remove this card information for me as like I said this was not me and it is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had an Amex bluebird card. I was using for direct deposit of my payroll. The company closed my card down and did not notify me. I found out when I tried to use my card and my transaction was declined. I had over XXXX remaining on the card and they havent given me my money nor am I able to contact them by phone they wont except my call says account closed send them a letter. This happened in XXXX of 2019 and its currently XXXX and still I dont have the remaining funds that were left on my account. Nor have they sent me a statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: LA
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:
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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion has not provided any proof of XXXX contract or my signature regarding permission to pull hard credit. Transunion nor XXXX have not provided any soild paper or digital contract regarding permission to pull hard credit.one excuse after another by Transunion issues not providing proof from XXXX no contract by transunion or any documents to support by transunion hard credit on my file by 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