BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Capitol One did a *Hard Inquiry '' on my credit and it was supposed to be a soft inquiry not effecting my credit score but it did. 
I went online to file a complaint with XXXX and you can not do it there you must call I did and the automated system refuses to allow you to speak with a live person. 
The options i needed to dispute wasn't available so it kept pushing me back into the main menu. 
This happened over and over again. 
I am frustrated Capitol One sent me a " Pre-approval with confirmation number for a XXXX XXXX XXXX then said a soft inquiry would be done.. 
Not only was i not pre-approved but it wasn't a soft inquiry im now dropped points for a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.

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 2022-12-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 



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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 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered them, I ordered them inside window ( I have attached an email that I sent to their design team to that effect ) I am not able to use them because they were sent as standard ( outside window ). That means I would have to place them on the outside of my window and they could be easily taken down by anyone walking by my office window. In front of my office is a bus stop where people stand waiting for the City bus. I would not order window decals for outside windows. I tried to fix the problem with XXXX but they have been uncooperative. I asked to have the decals redone. It was difficult to contact XXXX by phone so communicate was done via email. The Representatives werent helpful and really wasnt interested in resolving the problem. XXXX have my money and I have an unusable product. I have since been informed by XXXX that it is too late to replace the signs. Thanks to Capital One, XXXX has my money and I have nothing usable. 

They are not giving any consideration to the complaints sent by CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XXXX XXXX XXXX  and ends XXXX after the XX/XX/XXXXXXXX  and late payments were being reported during the covered accommodation period.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 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 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was told my account was closed on XX/XX/XXXX and the remaining funds were sent to my address on file on XX/XX/XXXX so far to this time the check has not been received. I have called numerous times and have been met with horrible customer service and no help at all they told me I had to wait 121 days before they could re-issue me a new cashiers check. However if they wouldve mailed it on XXXX XXXX, I wouldve received it in my home office by now Im please help me get the funds that are due to me. Thank you.

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 2022-01-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
ATTN : SYNCHRONY/XXXX  PHONE XXXX XXXX On XXXX I checked my balance on my XXXX  account I saw my balance was much higher than it was because of a charge that I was not aware of {$1200.00}, so I called XXXX and they stated that yes there was that charge of {$1200.00} and someone tried to charge another {$3000.00} to my account but could not because my credit limit would not allow them to. I then talked to the XXXX XXXX XXXX. and they did cancel my card and stated they would do an investigation. So after that I checked my XXXX  account I could not get into my account for the shopping because whoever hacked my XXXX shopping account changed my password and address for mailing. I than checked my orders and saw the amount of {$1200.00} for the product and immediately canceled the order. After that I called the XXXXSynchrony Bank Fraud Dept . back and told them what I did and gave them the address that was changed on my account which was XXXX XXXX XXXX XXXX, XXXX, New York XXXX. I value my account with XXXX and want to always have a good credit rating with them. My issue is with following : 1.. I did not make these charges and want a resolution to this issue. 
2.. When I talked to your Fraud Dept. I was made to feel that I was the one in the wrong when I knew nothing of this account activity until I looked at my account activity. I feel you need to train your employees to be more empathic because I am sure this happens to a lot of people and it is not their fault. 
This is something that I did not cause and I want to make sure my credit is not affected. 
Thank you.

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX, I unlocked a credit freeze on my account to apply for a credit card with an unrelated bank. Whether coincidence, tracking cookies, or credit monitoring, Capital One sent me an offer within a two hours of applying for the unrelated card. 

While I didn't necessarily need another card, the offer ( uploaded ) was for a XXXX card with a {$300.00} cash bonus if {$500.00} was spent within 90 days off account opening. I received a XXXX card soon after with a {$500.00} limit reflecting a counter-offer. 

Upon spending the {$500.00} minimum, I inquired a month later ( via phone ) regarding the status of my new account reward. The representative told me that sometimes the " promo codes '' drop and she would submit the request for review. Over the next month or two, I called back three additional times for an update. On XX/XX/XXXX, I spoke with XXXX ( Employee ID # XXXX ) who told me I was not eligible for the bonus ( no written or proactive communication was provided and if I had not called a third time, I would never known of Capital One 's decision. 

I told XXXX I that the card I received was a XXXX card which aligned to the email offer. He stated that there were different types of XXXX cards and the only I received was not eligible. The terms & conditions of the offer do not make a distinction on " different types of XXXX cards ''. When I asked where I could send documentation to be reviewed, he stated there was no address other than XXXX XXXX and he didn't know if that department could help. 

I would request that Capital One honor the attached offer. Additionally, I would also request the CFPB review Capital One 's promotional policies. If this is happening to me it would have to be impacting 100s if not 1000s of others who may just accept " There is nothing you can do '' as an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Wells Fargo never notified me of the class action lawsuit nor did I recieve payment from them.

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 2023-09-06
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within 7-10 business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone hacked into my Coinbase account and transferred my cryptocurrency ( XRP, ETH, LTC ) to their " XXXX '' account. It totaled {$6200.00}. I XXXX what XXXX is and its some new crypto site. Coinbase replied that they can not refund or reimburse me and it's my sole responsibility my account was compromised. They also stated there is a " specialist '' still reviewing it in separate emails. This has been ongoing for a couple weeks now and they disabled access to my account. I emailed back with the following : There has to be some kind of security or protection coinbase offers, people cant just have their money taken out and just have to deal with it. You ( coinbase ) should be able to trace back the address and account the crypto was sent to. Like I said, my accounts and logins, my 2FA authenticator app were always in my possession - I did not lose my phone or any other device. None of my other accounts were compromised. I always used the coinbase app on my phone and checked it daily. On XX/XX/19, I opened the app and it said my login was expired. I tried to log back in and couldn't. I used the " forgot password '' link and was not getting the emails from coinbase because the hacker apparently added the email to my block list. They were able to disable all coinbase emails to my XXXX account. I called support a couple times and they couldn't help. They asked me to wait to have it reviewed by a specialist and they'd get back to me via email. A couple days later, after re-verifying myself, I logged in and my crypto was gone. I shouldn't have to keep explaining this over and over again with emails back and forth. My cases were closed unresolved many times so far and I have to resubmit the same complaint to open the case again. Your ( coinbase ) site and company is not secure and easily compromised. There are numerous complaints online and reviews from people that have experienced the same thing. You ( coinbase ) should have the capability to trace it back to the address or account it was transferred into and have some type of protection or security for consumers. Coinbase should also be able to verify which device was used from what location and IP address and resolve this. I would like my money back. I will never use coinbase again after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: PA
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:
On XXXX of 2020 I entered into a consumer credit Transaction with XXXX. They Then Illegally reached out to EXPERIAN to access my personal information and left an Inquiry on my consumer report. I was never provided my Disclosure to OPT out of my personal information being shared, and my credit score has dropped because of reporting between XXXX and EXPERIAN who is a third party in this Transaction. My credit score has dropped and has caused me mental stress and am now unable to obtain a Home due to my score dropping. Me and my family now have to look for a primary dwelling since XXXX and EXPERIAN have damaged my reputation. This has cause me and my children a great amount of stress and worry. Federal law States EXPERIAN may not report my nonpublic personal information as stated in 15 USC 6802, and any information regarding my relationship with AFFIRM, be deleted permanently from my EXPERIAN consumer report.

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 2022-01-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO
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:
The story started back in XX/XX/XXXX. Someone had set up a merchant credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX service. I am an XXXX. I do not run an escort service. And heartland bank called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at heartland Bank. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX XXXX police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX Im being contacted by a collection agency for {$6200.00}. I was told by Life Lock to file a fraud alert with my with XXXX credit monitoring companies. I have done that. 
The heartland reference number is XXXX. The XXXX number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-20
Company: JPMORGAN CHASE & CO.
State: PA
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:
Chase Sapphire XXXX customer service said this account was already flagged and they sent me to the " security department '' for fraud. department. Which was closed after XXXX XXXX XXXX.. .at which customer service then got back on the line and told me to call XXXX tomorrow during normal business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
They updated my account was to credit bureaus late. Extra late fees were charged.

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