BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am opting out of Capital One and XXXX sharing my financial history. Capital One agreed not to share my financial information with non affiliates. XXXX is not an affiliate of Capital One and is not the true credit bureau the CFPB is and they do not furnish consumer reports. XXXX is a for profit company and does not have my consent to share my financial history with Capital One.

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to Equifax and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to XXXX XXXX. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from XXXX XXXX. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Lender repossessed the vehicle but failed to issue a discretionary notice or any notice regarding the repossession. I am not required to pay if such a notice is not issued. I am also only required to pay if there is a deficiency and there is no paperwork outlining what the deficiency is or is not. I am also entitled to any monies if there is a surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: OK
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:
I am writing to complain about actions taken on my account that resulted in my credit score decreasing by XXXX points on XXXX.I have also initiated a dispute with Experian concerning this matter. The problem started in XX/XX/XXXX. Two payments were sent from XXXX XXXX  in the amount of {$52000.00}, dated XX/XX/XXXXXXXX  and XX/XX/XXXX. When I discovered these duplicate payments I contacted XXXX XXXX  to notify them of the error. The XXXX credit card statement shows balance total - {$77.00} balance total and {$.00} minimum payment due XX/XX/XXXX. 

My credit card was declined on XX/XX/XXXXXXXX  at XXXX. Later that same day, I called XXXX and spoke to a service representative. I explained the problem with the duplicate payment and that my credit card statement stated XXXX minimum payment was due as of XX/XX/XXXX, He stated that on XX/XX/XXXX XXXXXXXX  XXXX  did  a payment adjustment in the amount of {$520.00} on XX/XX/XXXXXXXX  for the payment dated XX/XX/XXXXXXXX  which caused a credit payment to be overdue. He told me that he would waive the late charges and interest if I paid the payment at that time. He advised me to make the payment on the XXXX  application which I did while I was talking to him. After he was able to verify the online payment he reactivated my credit card and removed all late charges and interest. I asked if my payment would be reported as late to the credit bureau and he said that it would not as it was not over 30 days late. 

Although the electronic payment was made on XX/XX/XXXXXXXX  and posted on XX/XX/XXXXXXXX  in the amount of {$520.00} pursuant to my phone call the previous day to XXXX, another payment in the amount of {$520.00} was returned unpaid by XXXX  on XX/XX/XXXXXXXX  for the payment dated XX/XX/XXXX. XXXX  XXXX XXXX had already done a credit adjustment for the duplicate payment of XX/XX/XXXXXXXX  on XX/XX/XXXXXXXX  which was shown on the XX/XX/XXXXXXXX  statement. This was clearly a XXXX  error. I am being unjustly penalized due to their actions. See attachments. I made payments to XXXX  for XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. Thank you for your consideration of this matter.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 section 602 A. States I have the right to privacy. 15USC 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 2023-05-25
Company: Early Warning Services, LLC
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:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

{ dispute_item_and_explanation } XXXX XXXX XXXX Account Number : XXXX { dispute_ Inquiries XXXX XXXX XXXX XXXX XXXX  ; XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: VA
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 with product or service terms changing

Complaint:
My issue is with Experian penalizing me 15 points on my FICO score without cause. On or about XX/XX/2021, I received a 2 point boost to my FICO score, giving me a FICO of XXXX. Tonight, I was on Experian Chat asking if I can disconnect select accounts from Boost because I did not want Experian monitoring my checking and savings debits and credits, but I wanted Boost to continue to use my Line of Credit and Credit Card information for my FICO score. The Experian Chat representive advised me to use the disconnect feature and I would be able to select the accounts I wanted to disconnect. This was not true and it disconnected all of my accounts from Boost. Within a matter of minutes, I reconnected my accounts to Boost. In that short 10 minutes, Experian lowered my FICO score by 15 points for simply disconnecting my self-reported accounts from Boost. When I reconnected just a few minutes later, Boost gave me 2 points back, for a net loss of 13 points. The " What's Changed '' feature of the Experian website listed 7 things that changed from the last FICO score change ( XXXX points ) on XX/XX/XXXX until tonight when it dropped by 15 points to XXXX points. 6 of those 7 items that changes were all positive due to lower debt and closed accounts. Only 1 item was " potentially harmful '' to my FICO and that was a new charge of {$380.00} on a credit card that had a zero balance. So, the only thing about my credit worthiness that changed was all for the positive, yet I was penalized 15 points for choosing not to use an optional feature. This arbitrary decrease of my FICO score is affecting my ability to access credit at the " Excellent '' interests rates and has now dropped me down to the " Very Good '' rating for interest rates. Experian should not have the abilty to capriciously adversely affect a consumer 's abiltiy to acces fair and reasonable credit and interest rates. Their Boost program gave me 2 points and then dropped me 15 points when I decided not to use their optional program. This is a scam that is hurting good people who have worked hard to raise their FICO score.

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 2020-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: SC
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:
***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC  LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
There are information on my XXXX XXXX that is stopping me from opening bank account reported by Dime Community Bank. About writing checks on a closed bank account there was a error with the check books and wrote the check from the wrong check book.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This affects access to my Chase checking account as well as my Chase credit card accounts. I've been a Chase customer for quite some time and ( like many people ) my primary method of accessing my Chase accounts is via their mobile app ( specifically, XXXX ). Chase has decided to restrict access to my accounts unless I first click on an advertisement about a service I don't have with them. Specifically, there is a message at the bottom of the screen that says " Start your home search with us. Compare mortgage rates, view loan options and find a home you love. '' Chase has designed this so that I can not continue to view my banking accounts unless I interact with this ad, either by clicking " No, thanks '' or " Get started ''. I have no desire to be forced to interact with an advertisement just to get to my bank accounts, ever. At this point, I can't even get to my accounts to transfer funding to another bank to get rid of Chase without being required to first interact with their ads. Note on the included screenshot that the entire screen is greyed out and inaccessible except for the ad at the bottom which must be interacted with in order to access my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: PNC Bank N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hi. On XXXX I tried connecting my PNC bank account to the XXXX mobile app so I can pay my daughters ' allowances. XXXX app uses the service XXXX to connect bank accounts. When I tried connecting to my bank I get a notification saying that PNC has made changes and now I am no longer able to connect my bank account using the XXXX service. All other major banks ( and many minor banks ) seem to be using this service, so I don't see why my bank will not allow. Whenever I call PNC, they have no idea what I'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
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:
A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and XXXX XXXX XXXX continue to report to XXXX, Equifax, and XXXX an account that has been settled I am requesting that this account with XXXX XXXX  to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am filing a second complaint against the credit bureaus. They said in the first complaint my disputes were not specific and they were not going to investigate anything. 

I just uploaded the letters of dispute I sent them months ago. Is that specific enough for them? Furthermore, that response of theirs does not address the fact that they have failed to do their job for over three months. At this point I am fed up. Starting an investigation at this point does not suffice. If they do not delete the accounts I disputed from my credit report or correct them, I will be forced to sue them. What kind of hoops are they having me jump through just to get them to do something they are supposed to be doing already. This is costing me in terms of time, money, credit denials, missed opportunities, frustration, and much more. This will be the last time I attempt tp have the credit bureaus do their job before I go to court with 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