BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I am LIVID!! I called in by phone this morning on XX/XX/2018 around XXXX XXXX  to make a payment on my credit card using my DEBIT card. When I called and was attempting to get though the prompts it automatically routed me to an agent. When the agent answered I informed him I was just trying to make a payment and wasn't sure exactly why the system routed me to him but I didn't request an actual agent. The agent proceeded to tell me that I needed to verify potentially fraudulent activity ( a {$2.00} charge from 6 months ago! ) or my account would be locked. I told him I was driving and that I make lots of charges using this card and it would be impossible to remember that without viewing my records/ account. I requested a supervisor assist with the call because the agent was rude and talked over me the entire call! He stated he'd get a sup and NEVER returned after nearly 20 minutes of holding! I ended up hanging up and calling back to make a payment to the card on the automated system w/ my DEBIT CARD ( which per your policy is available immediately when made via a DEBIT CARD ) But due to the negligence of your staff my funds were NOT made available immediately and held vindictively!! I called and spoke with several agents and supervisors, I answered the questions regarding the charge and still my payment of {$220.00} was held for no VALID reason!! I missed my car reservation because your agent sabotaged my account and refused to release the funds!! I was embarrassed as my transaction declined after being assured by your sarcastic supervisor, XXXX that my account was in GOOD standing AFTER I answered her questions regarding a " supposedly fraudulent transaction!! '' If this was such a BIG issue WHY wait until I call to make a payment to discuss this??? I should have received a letter, text, email or phone call with questions, BUT I never received ANYTHING informing me there was a potential issue!! My payment should not have been HELD today!! There was NO reason to hold my funds, only that your staff ( the 1st agent I spoke with and potentially XXXX ) blocked the transaction from being available immediately in an effort to be spiteful!! Why was I not informed there was an issue prior to me calling in making a payment while in an emergency situation!!!! This is ridiculous and something needs to be done! I have filed a complaint on this company before for NOT advising me of sensitive information regarding my account properly, when needed and I see that hasn't helped!! My funds are still NOT available AND IT XXXX EST!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing.

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that Transunion, XXXX, and XXXX are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out.

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information. I demand

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: AZ
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:
Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) P.L 90-321 ( 82 Stat. 146 ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of Congress ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information.

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes.

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.

Summary of Laws that support my requests> 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence.

This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards. THIS COLLECTION AGENCY AND PRIOR/POSSIBLY NEW ONES ARE AFFILIATED WITH THE ORIGINAL CREDITOR AND COULD POSSIBLY REMOVE THE DEBT THAT IS NOT VALIDATED AND RETURN DEBT TO ORIGINAL CREDITOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

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 2023-07-27
Company: Support Collectors, 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:
Fraudulent activity is on this account, charges wasnt mine, remove this account from my profile, its not accurate and violate my rights

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is not licensed to collect debt in New York XXXX. I will include proof and I would like this deleted off of my report and the debt thrown out. It is an illegal business practice to try to collect debt in New York without license to do so. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my new construction home XX/XX/XXXX in XXXX, TX, located in XXXX XXXX. On XX/XX/XXXX, I submitted a letter from the XXXX XXXX Tax Assessor office as official certification that my property tax liability {$0.00} because I am a XXXX XXXX XXXX XXXX Veteran. The letter was signed by XXXX XXXX, Exemptions Clerk for the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a letter from LoanCare indicating they were made aware that I qualify for a tax exemption, and " if necessary, the account will be analyzed and adjustments made. I followed up with the company on XX/XX/XXXX, and the matter was still pending. I logged into my online account on or about XX/XX/XXXX, and the escrow amount had still not been modified. 
The agent I spoke with stated " they called to XXXX XXXX Appraisal District '' to verify the information and was told that " I only qualified for a partial exemption ''. On my second follow up call on XX/XX/XXXX, I was told LoanCare was not waiting on a bill from the Assessors Office. Again, I have submitted a certified letter from the XXXX XXXX Appraisal District office that states " the exemption will result in no taxes being assessed on this property in XXXX and subsequent years. I had no choice in picking this company, but there actions in this case are consistent with many of the XXXX  cases I have read. I am concerned that they are intentionally and unlawfully withholding my escrow funds to use for other investments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Account - XXXX XXXX  has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish an account without my 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 2020-04-28
Company: EQUIFAX, 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:
I have never signed a contract with XXXX XXXX XXXX They have failed to provided any debt validation on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In constantly disputing to no avail, Ive continued to bring to bring to the attention of Experian, XXXX, and XXXX the erroneous debt on my credit report the charges and fees. The more I do my part in fairness the more they add or update false unauthorized information, through dates, time-frames, balances, and amounts. For instance ; Experian ( Dept.of EXXXX # XXXX is listed ( 4 ) times with different amounts and opened dates. XXXX XXXX which has ( 2 ) accounts and I've only went to the school once with absolutely no extra funds or renewal at all. 
Which should've fallen off in XXXX this year. The other has the same information and account # dated XXXX XXXX, with ( 2 ) accounts as well when I only attended once and no extra funds as well. My purpose for this complaint is to delete all the erroneous accounts but one because this is not fair. Some how XXXX and XXXX has done the same unauthorized thing. Thank you for allowing my input to be heard in all fairness. 
XXXX XXXXXXXX XX/XX/22

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-08-21
Company: EQUIFAX, INC.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have attached the counterfeit check that was deposited into my bank account at Chase Bank and funds taken out. I do not know these individuals who did this. 

Chase Bank has No Provisions in place to protect people 's account. When it was recommended by Chase Bank to turn off Online Banking it was done. On XX/XX/2023 someone deposited into my bank account a check for {$2400.00} and withdrew the money from my account. On XX/XX/2023 someone was trying to take out of my bank account {$480.00}. I received a fraud alert on this amount and was able to reject the transaction. Its strange that I would get an alert the second transaction which was rejected, but not the first time for {$2400.00}, and the check was honored at Chase Bank. 

The outstanding issues are : 1 ) There are no provisions in place to protect the consumers money.. Nothing sent to the consumer via a text message about fraud activity. Should work for checks and debit cards. 
2 ) I was told that with online banking turned off I would not get any Fraud Alerts. On XX/XX/2023 I did receive a fraud alert with online banking turned off. 
3 ) What was stated above I received no alert on the {$1400.00} check, but did receive a fraud alert on the check for {$480.00}. Chase Bank is unable to provide an explanation as to why this happened. 

CHASE BANK SHOULD NOT STATE THAT ONLINE BANKING IS TURNED OFF, AND NO FRAUD ALERTS, WHEN I DID RECEIVE A FRAUD ALERT ON XX/XX/2023. 

A CLAIM NEEDS TO BE FILED FOR THIS OCCURANCE, AS THERE ARE NO PROVISIONS IN PLACE TO PROTECT THE COMSUMERS MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: OH
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is regarding My Fed Loan and my attempt to participate in the PSLF program and the failure of My Fed Loan 's Customer Service. 

I have been making payments on federal Stafford loans since before XX/XX/XXXX while in qualifying public interest employment. When the rules allowing those payments to be credited towards loan forgiveness changed temporarily in XX/XX/XXXX, I consolidated the loans to My Fed Loan and applied for PSLF in XX/XX/XXXX. I received confirmation that my application was received. 

I am now being told my recent payments ( not the ones prior to applying ) don't count because of my repayment plan. NOBODY said I had to have a certain type of repayment plan within My Fed Loan. Now it sounds like those payments won't count towards qualifying payments. 

Moreover, I have heard nothing about crediting my past payments which, if they were credited, should result in full forgiveness. 

Finally, I attempted to contact PSLF about this on XX/XX/XXXX at approximately XXXX XXXX. I went through the prompts to be able to speak with an agent and selected the prompt to speak about PSLF. After 38 minutes a woman named XXXX answered and when I said I was calling about PSLF she said she would transfer me to someone in " public service '' despite the fact that she should have been able to answer my question if she was in the phone tree for PSLF. She transferred me and the recording said I had to wait more than 20 minutes. All in all, I was on hold for an hour and twenty minutes and had to hang up so I never was able to speak to someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My mortgage company XXXX, reported my loan to the credit bureau as missing payments during the forbearance period of Covid 19 for the month of XXXX ( Forbearance period is until XXXX, 2020 ) As a result, my credit score decreased 60 points and as consequence I was declined for a business loan for my company that is necessary to continue in business and to be able to pay our employees.

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 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Called transunion on XX/XX/XXXX to follow up on inquiries that I did not authorize on my credit report. Informed the supervisor that I submitted a police report back in XX/XX/XXXX and the supervisor informed me their was no report on file. The company signed for my dispute package ( sent priority mail ), processed my dispute, but have no documents attached to my file. By law, all documents submitted must be uploaded to the consumers file. This company is violating my rights under the fair credit reporting act and I still have fraudulent inquiries on my credit report. I was just released from jail after 2 years in XXXX so there is no way that Ive applied for credit in XXXX, and 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 explanation