BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Through a promotion of XXXX, I was matched with a Capital One XXXX card, which I then applied for and received. One of the benefits promised was supposed to be no annual fee for the first year and {$95.00} a year thereafter. The day I received the physical credit card there was a {$95.00} charge for an annual fee on the account. I called Capital One and after 20 minutes on the phone the best they could do was tell me that my complaint should be taken to XXXX. So I called XXXX and spoke to an offshore help line. After 20 minutes with them, a supervisor came on the line to tell me that since they hadnt charged me anything i should take my complaint to Capital One, and then he hung up on me at which point I heard a recording say thank you for calling XXXX. I will continue to follow up with Capital One another day, as Im not willing to give it another 40 minutes today, but I wanted to formalize a complaint as I smell a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: IN
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:
Account # XXXX I purchased a bedroom mattress and box spring around 2019. I have been disputing the balance that appears on my credit report..XXXX  employees were recorded on several phone calls about me disputing this account for several reasons. First off I wanted to return the merchandise after about 3 months. They wanted me to deliver the merchandise at a storage facility in which my girlfriend at the time felt unsafe. We decided to keep the items. At this point you will see they are charging off an un agreed amount. I think they do this on purpose to maximize their profits and loss. I have questioned this many times but when I call they place me on hold and the call always gets disconnected. What I want from them are the final financial figures so that my soon to be attorney can bring them into court to see exactly what the final amount is for the written off balance that they claim to have on my credit report. Also they are still reporting this account as a charge off but yet we agreed to settle this account and it be removed from my credit report. The FCRA is very specific in the penalty and fines for violations. What this company has done is intentionally damaged my credit. They refuse to reply to my requests so unfortunately I have no other alternative but to request a full itemized summary through here and in lieu of a lawsuit moving forward I will ask one last time that this tradeline be resolved by removing it entirely 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 2023-11-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My bank, TD Bank, NA attempted to take 3 minimum payments from checking account in 3 consecutive days beginning XX/XX/XXXX. Both my credit card and my checking account are with TD Bank, NA. My credit card ends in XXXX and my checking account ends in XXXX. 
I has set automatic monthly payments for my credit card from my checking account. On XX/XX/2023 TD held {$270.00} from my checking to make payment to my credit card. 
On XX/XX/2023 TD again held {$270.00} twice. For a additional total hold of {$540.00} even though the payment and hold was successful and posted from XX/XX/2023 I contacted TD and they could not given reason for these 3 separate holds and payment attempts. They assured me they would not process the 2 additional payments and the holds would be removed. 
On XX/XX/2023 one of the two additional payments was posted to my credit card account and deducted from my checking account. There was still an additional payment in the amount of {$270.00} being held from my checking acco unt. I contacted TD Bank again and was promised they would not take the 3 duplic
ate payment, would release my funds and also would reverse the 2nd additional payment back to my checking account within 5-10 days. 
I stated they were denying me free use of my money and the additional wait time to return funds that I did not authorize was unacceptable. They had for all intents and purposes stolen my money and had denied my use of it. 
On XX/XX/2023 they did return {$270.00} to my checking account, but then charged me a fee of {$0.00} and another fee of {$0.00} and listed them both as NSF PAYMENT ADJ I was told NSF stands for Non Sufficient Funds. I never had non sufficient funds ever! Why am I being further harmed y these additional charges for their mistake? Why are they enriching themselves for their errors. 
This will be listed in my statement and will cause irreparable harm to my good name and financial standing. 
I do not feel they are entitled to hold up my money and also charge me fees to give it back to me. 
They will not answer my questions and they will not compensate me for the time I was denied access to my funds. Additionally, they offered to waive the fees, but this indicates it was my fault and could harm me in the future if I should ever need a fee waived due to my error or mistake. 
I have screen shots of my accounts to prove my side of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. JPMCB - CARD SERVICE XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After my wife and I were living at the XXXX XXXX for over a year, we informed the XXXX XXXX Staff by phone and a hand-written letter we are buying a house and gave them the proper notice required in the lease. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ohio XXXX Sidenote : We have always paid our bills on-time and never had any record of debt owed for living expenses, utilities or other items, etc. 

During the week we moved out, we paid rent through the end of that month, and also moved out XXXX weeks earlier in the month than expected into our new home giving XXXX  XXXX XXXX weeks extra grace period while they had a clean / vacant apartment ready to be filled. XXXX XXXX then leased the apartment unit we were occupying to a new tenant within that XXXX-week period as they had adequate people on the waiting list to fill it. XXXX XXXX proceeded to file collections against us and attempted to collect double-rent on the unit for the next month- which is technically illegal according to Ohio law . 

We returned the keys and had the apartment professionally cleaned as well. We took pictures to show there were no damages, etc. XXXX XXXX staff contacted us shortly after stating we did not give them proper notice and we still owe them for XXXX more month of rent. XXXX XXXX kept our security deposit as well, which we should have received back in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took out XXXX separate cash advances in the amount of {$380.00} each with my Capital One credit card. The first one was on XX/XX/2022 and the second on XX/XX/2022. At the time, I didnt carry a balance and there were only a few recent purchases I completed during the same time period. The interest rate for cash advances and purchases were the same, XXXX %. I have made more than my monthly payment amount to the point where my cash advances should be paid off. Currently, I have a {$2100.00} balance including cash advances and purchases. When I called Capital One on XX/XX/2022, they told me since the interest rate is the same, my payments go to purchases first. So in order to pay off my cash advances and stop incurring extra interest every month for those, I have to completely pay off my balance. He said even if I purchase something today, my payments would go to that before the cash advances. That is not made clear in the contract. It is unethical for Capital One to not pay off the cash advances first, as they were incurred first. Its unethical for Capital One to keep charging me extra interest when the cash advances should have been paid off. Im sure they give many people the same interest rate for cash advances and purchases to get around the law and get extra money from people. Please fix this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I reopened a Wells Fargo account within one week they closed stated a business decision and will not give me a reason they stated they closed my previous account back in XXXX for the same reason and I disputed because their was no reason to close my account. I have done no wrong and feel either this was done in error or for discrimination because I have done no fraud or had any high risk on my account. Please reconsider and give records of why this decision was made. At first I did not remember the account closure but after speaking to Wells Fargo I did remember disputing this when I went to open a account last week I had no issues so after speaking with them today XX/XX/XXXX I thought the issue was resolved because I was able to open an 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute letter for the XXXX XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX  XXXX XXXX account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my family 's life. I would like this account to remove. 
Here is my account information to us during the investigation into this matter. 

Transunion Account Name : XXXX XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.

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 2023-08-14
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute letter for the XXXX XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX XXXX XXXX account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my family 's life. I would like this account to remove. 
Here is my account information to us during the investigation into this matter. 

Transunion Account Name : XXXX XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
on or about XX/XX/2022 i sent a request to company regarding account level documentation about the debt company has failed to respond but continues to report negative 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 explanation
Consumer complaint received 2023-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXamount {$570.00} collection.My report include accounts with a reported name that is different that mine.I dont recognize the account in question.The reports shows I owed money to an account that is not mine.The current status of my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon checking my credit report to purchase a home, I realized there were accounts, inquiries, and an address that were damages on my report. This is defamation of my character. I reached out to the credit bureaus multiple times and the errors were not fixed. I reached out to the creditors multiple times through mail and NEVER received a response. According to 15 U.S.C. 1681 law my rights have been violated. I NEVER gave written consent to report anything on my consumer report which violates my right as a federal protected consumer.

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 2023-08-25
Company: EQUIFAX, INC.
State: CT
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just updated my credit report yesterday and after going over, I saw a collection name CREDIT COLLECTION SEV ( PROGRESSIVE ) that do not pertain to me, so I have been disputing this inaccurate accounts since XX/XX/2022, that I did my first dispute with the credit bureaus, unfortunately, after a few months this account still remains on my report, I am now reaching out the CFPB, because I really need this collection account off my report because I'm not the debtor of this alleged collection account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I received a copy of my credit report, and I noticed some accounts on my consumer report that had inconsistencies that should not be on there, I disputed them. The CRs did nothing to fix the problem. 

The list of inaccurate accounts to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX These accounts have too many inaccuracies like payment history, date opened, date reported, date last active, date of last payment, credit limit, and past due amount.

15 U.S. Code 1681b ( a ) ( 2 ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instr
uctions of the consumer to whom it relates.

15 U.S. Code 1681i ( 5 ) ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer The CRs have no respect for the laws that protect the consumer.

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