BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
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:
I am locked out of my online credit card account with Capial One. Without access to my online account, I can not review and verify the charges, make a payment and, most important, close this account. 

For, " security '', they now require the consumer provide a cell phone number registered iin the USA and in the card owner 's name. After entering in username and password the phone receives a numerical code to be entered to complete the login. That is now a problem for me as I am a XXXX that travels internationally 10 months a year and do not possess such a cell phone. However, in the past I was allowed to receive this code at a USA-based relative 's landline. The relative would then forward the code, I would enter it and obtain access. 
On approximately XX/XX/2020 I was locked out while in Hawaii. I called them and after a one hour conversation they agreed that once again they would send the code to the above described landline and that the problem was permanently resolved. They were wrong. 

On XX/XX/2020, i was locked out while in the XXXX. Their, " toll-free, collect international number '' is not valid from the XXXX! 
I then spent {$20.00} to buy minutes to call on a local cell phone. They would not send the code, as they have in the past, to my relative 's landline. The representative unlocked my account but it would still not accept my password. The screen directed me was to call yet another telephone number which like their other number, was not accessible from the XXXX. 

I need accces so that I can verify the charges and also to cancel this card with the idiotic, " security '' features which I no longer use. The absurdity of their system is although I am locked out and can not review the charges, the card can still be used. This means if unauthorized use has taken place I can not know this. 
If I can not access my account I will not make any payments until XX/XX/2020 when I return to the USA from XXXX. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-12-06
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is directed against TRUIST Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a resident of XXXX XXXX, VA XXXX and deal with the TRUIST Branch in XXXX XXXX, VA. 
On XX/XX/2022 TRUIST Credit Card XXXX over charged my Credit Card {$10000.00} after paying off in full the balance of the card, subsequently causing an overdraft in my TRUIST Checking account in the amount of {$1700.00} for which TRUIST charged an overdraft fee of {$36.00} On XX/XX/2022, after discovering the abuse of the above charges ( XXXX diffrent amounts on the same day, hence a proof that it was not a technical duplication as the agent claimed ), the agent on the phone removed the {$36.00} overdraft fee from my checking account. However, my checking account remained in a negative balance since the Credit Card agents refused to immediately refund the above over payment until for at least a week. THIS IS A BLATANT ABUSE. 
Meanwhile I had to get an advance from another account to cover the overdraft in my checking account therefore paying interest for the advance. 
CONCLUSION : TRUIST XXXX XXXX is holding {$10000.00} of my money while I have to get a credit advance with interest to cover the overdraft caused by TRUIST malpractice. Furthermore the overdraft will affect my XXXX XXXX. 
NOTE : my experience with this bank, formerly SUNTRUST, has an unusual policy of holding consumers fund longer than other banks. Example : in XX/XX/2022, I presented a check in the amount of over XXXX and TRUIST required XXXX weeks to clear it. The same check was deposited in another bank, it was cleared the next day.

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 2022-05-20
Company: ALLY FINANCIAL INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a Account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit account under an open end plan as late for and 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 explanation
Consumer complaint received 2023-08-23
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account was a Charge off account and it was opened in 2015 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I have to get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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 2023-06-01
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
From XXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
XXXX XXXX had charges of XXXX that was done fraudulently. 
With American Express i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 XXXX card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. American express confirmed it was fraud but someone other than me called and told American Express the charges were accurate. In which caused them to rebill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: ID
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-05-09
Company: EQUIFAX, INC.
State: OK
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 
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

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 2023-05-09
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX  Hyundai XXXX as my lease expired in XX/XX/2022. I was told the title would be mailed to me, it never arrived. I spoke to someone with Hyundai 's corporate office in XX/XX/2022 and was told the title must have been lost in the mail and a duplicate title would be sent to me ( was also told they would contact me to let me know when that went out in the mail ). 

That duplicate title has never arrived and the woman I spoke to has not responded to nor returned over a dozen calls on this issue. The car currently has no registration and I have already been ticketed once over this issue ( they could have also impounded the vehicle but chose not to ).

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 2022-05-19
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
FedLoan servicing consolidated two federal loans with out my authorization or signing of master promissory note with them then I contacted them in XXXX of XXXX  to get the loan with them unconsolidated and they were unhelpful in gettin it done. After I secured a new consolidated loan with a different company in XXXX. They received a payoff check from the new company and then sent my loans back to XXXX where they should have stayed. After I received calls from XXXX about having a loan amount with them. I called FedLoan asking how they transferred a loan back with no money owed. They told me that they finally unconsolidated my loan. When I asked them about the pay off check they had no answers. I was able to get an answer after multiple calls and countless hours on hold saying I now need to contact the IRS to find out the status of the payoff check. This check is needed urgently to send to XXXX so I am only paying one loan the correct one and not two different ones to my new company and XXXX. FedLoan employees have not been professional during the calls, rude and unable to give answered to questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
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:
This not my loan I never attended any school online or in person attached to this to loan nor did I authorize or agree to any loan amount with XXXX or personal or private loan companies this is a case of identity fraud and I would like this removed from my credit 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 2017-11-04
Company: Chrysalis Holdings LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX my wife and I applied for a refinance mortgage with New Day Financial. The application was conducted over the phone, and I did not disclose any demographic information. The agent told me that my application was denied because I had one 30 day late payment on our current mortgage within the previous 12 months, and my credit score was not high enough. He told us that if we can keep our payments current for the next twelve months and re-apply in XX/XX/XXXX, we could qualify for a refinance. Fast- forward 12 months to XX/XX/XXXX. My credit score improved and all my payments were kept current. Based upon the information I was told, I had confidence that I met the qualifications to refinance with New Day. I called New Day to  re-apply for a refinance. This time we revealed that we were XXXX in the demographic disclosure part of the interview. We were told that my wife still did not improve enough to qualify, but my credit met the qualifications. However, before we could proceed further with refinancing with just me, the agent told us that he " was being called into a meeting '' and he had to call me back later or the next day to follow up. The next day I received a call from the agent informing that my application was denied due to a previous delinquency ( 120 days ) on the same mortgage that occurred four years ago. The agent told me that New Day will not approve applicants who had were delinquent on their mortgage within 5 years. I explained to the agent that this was not what I was told when I applied a year ago, and had I known I would not have wasted time applying now. The agent suggested that the previous agent was not fully informed on the requirements and apologized on his behalf. I suspect foul play based on ( 1 ) how I was rushed off the phone before I was made an offer, and being disqualified for a different reason that was not claimed the first time I applied for a refinance ; and ( 2 ) since I revealed my race on the second application and withheld it on the first application, my creditworthiness was further scrutinized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I requested that the inquiries on my accounts be verified. I still have not received any information on these inquiries. nor has the company reponed with verification on the cfpb complaint. These are the complaint numbers that have not been responded to XXXX XXXX XXXX Those complaint were sent on XX/XX/2023

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 2022-05-19
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: Account information incorrect

Complaint:
A debt collection account was removed from credit report XXXX XXXX XXXX XXXX ). Equifax dropped credit score XXXX points, but should have increased points due to removal of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. I'm looking forward to a quick correction of the following items. Thank you. 
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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

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