BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
( 1 ) I have an existing and active Capital One credit card with a maximum credit of {$400.00}, and on XX/XX/XXXX, XXXX XXXX XXXX transacted an unauthorized amount of {$39.00} on to the card ; ( 2 ) Resolving the issue with XXXX was to no avail, so I contacted Capital One to dispute the transaction on the grounds that XXXX has not provided me with any showing by way of the video, and the amount of the toll ( s ) ; if such occurred ; ( 3 ) In response, Capital One took my rendition of the facts, informed me that they will investigate, and cancelled my card ending in XXXX, and issued a new card ending in XXXX ; ( 4 ) Upon completion of their investigation, Capital One sided with the merchant-as they always do ; yet, failed and refused to provide me with evidence of the basis by which I brought the dispute. In addition, Capital One informed me that if the merchant was to reinitiate the transaction, that Capital One will not allow me to dispute it, and that the reinitiated transaction will stand ; ( 5 ) Capital One has failed and refused to provide me with a video of the car going through a toll multiple times, and the price of the toll ( s ) ; which can only be substantiated as fact via the State 's XXXX website. Without this information, Capital One 's decision is not founded on the facts, but erroneous and baseless assertions by XXXX. In addition, XXXX is charging a {$30.00}, admin fee, a junk fee, that I never agreed to by any showing of my signature; ( 6 ) In addition, Capital One asserts that their reason is due to my having a 'relationship ' with the merchant and that it is not fraud. ( SIDE NOTE : Fraud and unauthorized are two entirely different concepts and Capital One 's dispute structure is designed to place a hidden veil on the latter when it comes to disputes to one 's card transactions. ) ; ( 7 ) Thus, Capital One issued me a new card ; yet, told me that " if '' the merchant chose to reinitiate the ( unauthorized ) transaction that they will allow it to stand. Yet, on XX/XX/XXXX, XXXX reinitiated a new unauthorized transaction. How could this happen unless Capital One provided XXXX with my new card number ; thus, aiding XXXX in the fraud? Lastly, Capital One has not provided me with any documents from XXXX showing by my signature that I specifically, agreed too, or waived any dispute against XXXX for unauthorized charges AGAINST a new card number. Let me repeat that, a New Card number, not the old card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: LEXISNEXIS
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:
I submitted a complaint on XX/XX/2023, complaint XXXX XXXX XXXXXXXX to XXXX regarding incorrect information that is reported on my credit report, and multiple bankruptcies. 

XXXX submitted a response on XX/XX/2023 : ... '' A DISMISSED/DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' I've reached out to LexisNexis ( XXXX vendor ), regarding the response XXXX provided. LexisNexis sent me a letter dated XX/XX/2023, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, LexisNexis did not locate the records listed below in XXXX XXXX file with LexisNexis. Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to XXXX. 

I would like for XXXX to answer me who they are verifying this information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an 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 XXXXXXXX XX/XX/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 2023-04-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
These people who are answering my complaint at wells fargo are liars. There is evidence XXXX XXXX lied about me that I harassed her while I was at the bank opening up my new account that they wrongfully closed. I don't care that they have a right to close it. They were doing that with my first account which I had open at the wells fargo branch on XXXX in XXXX XXXXXXXX XXXX. I am tired of being treated like this. I did nothing wrong I have never harassed XXXX XXXX. This is just another tactic for XXXX XXXX to enrage me about. Like everything else they have enrage me. Anyone has flat out refused to listen to my side of the story. It was personal why my checking account was closed. I don't care what anyone says. Wells fargo even admitted to it was because of XXXX XXXX said I harassed her. I have never harassed XXXX XXXX. She slandered me which caused me to lose my checking 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 2023-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TransUnion, XXXX, XXXX, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by TransUnion, XXXX, XXXX without my written consent and I demand their immediate deletion : XXXX XXXX XXXX Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my complaint.

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 2023-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went to the bank to open a checking and saving account but the teller opened 2 checking accounts and 2 savings accounts which resulted to multiple overdraft fees that I had to pay for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name, address, phone number and social security number are being used to apply for a XXXX XXXX XXXX XXXX. The application was denied. The email attached to this application is XXXX. That is not my email. The application was opened on XX/XX/2022. I was finally able to track down a person at XXXX XXXX who had a copy of the application. He told me about the above email. The application number is XXXX. 

In XXXX of this year someone opened a XXXX XXXX XXXXXXXX XXXX  from XXXX  XXXX XXXX and charged {$1200.00} and never paid it. This is how I found out that someone was using my personal information. XXXX has closed that account finally. 

Because of these XXXX incidents, I have frozen my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was contacted by an UMB Bank representative the middle of XXXX XXXX and was shown a flyer expressing several cash incentives that would be given to me if several steps were taken when opening a new account.

All of the steps have been met on my side, but I have yet to receive a {$200.00} cash incentive for providing UMB bank a copy of my most recent CC statement. The CC statement was provided when I opened the account and UMB Bank has ackowledged receipt of the statement.

I have communicated several times with the representative and XXXX XXXX with UMB Bank in XXXX XXXX  and have been told repeatedly there is nothing they can to. I would like the {$200.00} incentive to be deposited into my checking account as outlined in their marketing materials and promised by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. Also, in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( THESE ACCOUNTS HAS VIOLATED MY RIGHTS ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/1995 Equifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Officer & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through arbitration. 
Again, I reject the arbitration clause in the Equifax interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address.

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: NC
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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX ID Restoration. Case # XXXX. This was due to a Data Breach by Correct Care Integrated Medical. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo is reporting a mortgage on my credit report that was awarded to my ex wife XXXX and should not be on my credit report. I have attached documents to support 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 explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions 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:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of Office Of The Atty. I believe it was reporting in error. 
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 2023-06-09
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Back on XX/XX/2023 a fraudulent charge showed up on my Chase credit card statement for {$370.00} from a merchant called XXXX XXXX XXXX. I have never joined a travel club so I tried to XXXX the name of the merchant ( attachment ) and nothing came up. I then tried to call the number for XXXX XXXX XXXX that appeared on my Chase statement ( XXXX ) and the number has been disconnected or is no longer in service. I disputed the charge with Chase Fraud Department and their investigation came back as a legitimate charge because they said XXXX XXXX XXXX provided Chase with my personal information ( name, home address and email address ) so Chase said I am responsible for the charges. After pressing the Chase Fraud representative further, she said that XXXX XXXX XXXX was doing business under the name of XXXX XXXX  XXXX XXXX and that the services I received were a media consultation and web design services. I asked the Chase representative if they have a legitimate contact number I could call the merchant and they said the information they have is not to be given out. I explained to the Chase representative that I have never sought out any media help nor have I ever spoken to a person for a consultation or received any web design services. So I disputed the charges a second time on XX/XX/2023. Then a week later on Wednesday, XX/XX/XXXX, I received an electronic notification on my Chase account that they have again sided with the Merchant and I am responsible for the charges because XXXX XXXX XXXX proved Chase with my name, address and email address.

Company response to consumer: Closed with explanation