BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: HUNTINGTON NATIONAL BANK, THE
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was totaled on XX/XX/XXXX. My insurance company, XXXX, reached out to the Huntington National Bank for the payoff amount and I received a noticed that a check had been mailed on XX/XX/XXXX. On XX/XX/XXXX I received a notification from Huntington National Bank that my loan payment was overdue. I reached out to the bank on XX/XX/XXXX to find out why the check had not been applied. They stated that they did not receive the check. I asked my insurance company to send a new check and have the check overnighted with tracking information. The check was received and signed for by XXXX XXXX. When I called Huntington Bank to see if the check had been applied yet, they stated that they had not received the check and opened a lost check ticket. After investigation, Huntington stated they had received the check but that the vehicle 's VIN number was not on the check, so they did not apply it. They also stated that the payoff amount had gone up. My insurance provider, XXXX, sent me photocopies of the check which shows the account number and VIN number were both on the check stub. XXXX sent yet another check overnighted on XX/XX/XXXX. This check was finally applied ; however, Huntington National Bank is insisting there are late fees and a remaining balance of {$140.00}. All checks mailed to Huntington National Bank did contain the appropriate information on the check stub, yet they refused to apply the checks and continued to increase the balance of the loan so new checks needed to be made out. At this point, we are well into XX/XX/XXXX and Huntington NationaXXXX Bank is continuing to drag this process out in order to add to the loan amount. My insurance provider continues to send checks and when I call Huntington National Bank they insist their records show that the checks did not have the appropriate information on them to be applied even though I have photocopies of the check showing they do. My most recent call to them today, I was told that they have tried to reach out to me to resolve the issue but I have not received a single call. I have already purchased a new car and made sure to use another bank for the loan. The last thing I need is for this to impact my credit as I have never missed a loan payment in the past. Today when I asked to speak to a Huntington National Bank supervisor I was hung up on. I hope the calls are recorded. 
My car was totaled when it rolled over off a dirt mountain roaXXXX in Vermont with my father and my XXXX XXXX inside. I just want this loan closed out to put this awful car accident behind me and my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am writing to follow up with my initial complaints, in which I stated that XXXX XXXX XXXX double charged my capital one bank credit card for a transaction of {$1600.00} for {$3300.00}. Unfortunately however, I still have not received my refund and Capital one bank has continued to charge interest on the fraudulent charge. I am appealing to you to mandate capital one bank to refund the exorbitant interest they have charged on my credit card, and stop further interest charges on this card until the issue is resolved. I am thanking you in advance for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I reviewed my credit reports on XX/XX/2023 and noticed that there are inaccurate accounts reporting on my credit report. 
XXXX XXXX acct. # XXXX XXXX XXXX acct. # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 
I contacted XXXX, XXXX, and Transunion and asked them to investigate and remove the inaccurate accounts from my credit report and that they are illegally reporting and i requested specifically the alleged original application bearing my signature they have not been able to provide. 
This is a violation of the FAIR CREDIT REPORTING ACT, and this disputed item may appear on my credit report if it can not be supported by any evidence or proof.

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 2022-04-14
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, my auto payment was returned, this was my fault as I had used the wrong bank account. As soon as I realized, the mistake I made a payment online. After making the payment I began receiving calls that I was past due. After talking it over, they told me that my payment I made online was for principal and did not count. They would fix the issue. About a week goes by and I start getting calls again, they state that I am past due. I explain the situation again and I look on the website and no where on the wesbite does it show that the payment I am making is for principal and not for my normal payment. I call back again to see if they fix the issue, because my online account is showing I am past due. The lady on the phone tells me that it is fixed on their end and that it takes about a week for it to be updated on my end. 

My issues are : 1. Their website does not explain that the payment goes to principal.

2. Taking a week to update the consumer facing website is too long, that should be instant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX is reported on my credit report. Once again within a few days it comes back as verified however I have never had an account or contract with this company. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.

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 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Filed chapter XXXX bankruptcy here in Mn last year i was told by the courts that they do not report to the credit bureaus Trans union has it reported as public record it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.

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 2023-04-29
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022. I noticed {$11000.00} in fraudulent ACH transactions on my capital one checking account. I contacted my bank, and started my claim. 10 business days later they granted me a temporary credit for the {$11000.00} that was missing. I was told that the credit could be deducted from my account if the claim was not found in my favor. 

On Friday XX/XX/2022, I received an email from my bank that stated : The provisional credit is yours to keep and your dispute 's now closed. 

On Tuesday the XXXX of XXXX I received a new email stating : Our research didn't find any errors, so we closed your dispute. We'll remove the provisional credit of {$11000.00} from your checking account on XX/XX/2022. 

On XX/XX/XXXX I called capital one and asked what was going on. They asked if I could forward them the email stating the credit was permanent and I did so. I was told I would get a response within XXXX business days. 

I do not get any reply. So I call them again on the XXXX of XXXX. They inform me on a recorded line that in fact they looked into it and I will not be charged the {$11000.00} and that my claim is closed and the credit is permanent and that should be the end of it. 

On the XXXX of XXXX. {$11000.00} was deducted from my capital one checking account. 

I call them again. And they tell me that there is nothing they can do. That a mistake was made and they gave no way of fixing it. 

I feel as though they unlawfully deducted this money based on the fact that the credit was no longer temporary after they stated it was mine to keep in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a collection on my report for an apartment that i did not live in. The information reported is affecting my credit score negatively.I have never lived in this apartment. I contacted the agency, they have no record of me and its still on my credit report. I want the company to provide, my signed signature an documents for this apartment. If they can not provide me with this info, i want this removed from my credit report at XXXX, XXXX, and XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I discovered XXXX XXXX under account numbers XXXX re-aged and re-inserted into my credit file. The accounts were originally DELETED on XX/XX/XXXX and XX/XX/2017. Transunion was required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

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 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I hope this letter finds you well. I am writing to express my concern regarding the reporting of transactions or experiences between myself and Capital One on my consumer report, which is a clear violation of the Fair Credit Reporting Act ( 15 USC 1681a ). Which clearly states that you can not report late payments to a third party data furnishing company that you do not own ( other than agents of the institution ). The Fair Credit Reporting Act ( 15 U.S. Code 6803 ) also states that you can not disclosure any non public information about me without my knowledge or expressed consent. 
According to Congress, CAPITAL ONE may also be in violation of 15 U.S. Code 2068, which clearly states that my consumer report can not be distributed in commerce if the manufacture knew or should have known of such voluntary corrective action. In addition the Fair Credit Reporting Act ( 15 U.S. Code 2069 ) states that aforementioned violation of 15 U.S. Code 2068 requires monetary relief not to exceed {>= $1,000,000}. 

I have identified the following issues : Late payments ( transactions or experiences ) being furnish on my consumer report. I believe these matters warrant resolution before resorting to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I recently was given a kohls charge card and did a little shopping. I went to pay my monthly bill on the app but there was only a way to with checking acct. I then called their customer service to pay with my debit card as that is the only way I can pay. It says online and on the kohls site they accept payment by debit. But when I called they said they only accept payment with checking. Account numbers. I explained I had no other way and also took screen shots proving it shows they say they accept debit cards. They said its old print and they cant and wont accept it so now my credit is going to tank they wont work with me. Had I known this I would never have applied for this card. Im trying to build my credit not ruin it. What am I supposed to do can you help me this should not fall back against me and my credit Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2020-04-04
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made an international transfer 1 month ago through the Remitly app and the app shows that the money was sent, but in fact, the money never get in the bank account that I had sent. With a lot of difficulty, I finally had contact with the company through their chat, and talked for hours with one of their attendants who said that the company would contact me from 24 to 48 hours business, it has been 3 weeks, nobody from the company has contacted me so far, and nothing has been resolved, my money has not been returned either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: MFP, inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Violation of Hippa, Hitech regulations, unlicensed debt collector, no attempts to claim debt, just reports PHI on CRA 's site. Multiple complaint regarding the alleged debt w/ XXXX CA 's seemingly working together no proof of Associates Agreement w/ " original creditor '', on going investigation from Florida Department of Financial Regulation regarding collection activities of XXXX agencies. 
XXXX lost claim with XXXX, same claim submitted by " different '' CA ... if you look @ mail receipts from certified mail I 've sent same person signs for mail, They 've lost @ XXXX CRA, use different Company to submit same claim @ different CRA, never a direct attempt made to " collect debt '', just reporting to CRA 's is their tactic. 
Chief concern is HIPPA violations by original creditor, multiple breaches of privacy & security of PHI ( how many of these " low end '' agencies are going to end up w/ my PHI? ) Have filed complaint w/ OCR , FLoFR, next is asking Florida AG consumer affairs. multiple violations of fdcpa, facta, HITECH Breaches ... 
Investigations are warranted. They ca n't just shop this alleged claim from disreputable collector, another without end ... They 've lost their claim, how long do I have to put up with these XXXX getting away with this? ... asking the FEDERAL GOVERMENT TO ACT. IN THIS CASE! 










XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-12-27
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: Information belongs to someone else

Complaint:
This is my 3RD 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-17
Company: Experian Information Solutions Inc.
State: HI
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:
I am uncertain as to WHY these late payments are present on XXXX  ..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items 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 non-monetary relief