BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called over XXXX weeks ago to let Capitol One Auto know that I am out on medical leave XXXX, and I filed socials security XXXX. Was given option of a XXXX mos pay half of what the normal monthly bill is. I had stipulations- one was to make a partial payment that day and other was to wait for paperwork to be e-mailed to be for this and sign and return. I did make the payment, called 3 times asking for when e-mail was being sent afterwards. Was told to " give it few days each time I called in. XX/XX/22 I called and was told something completely different. And that they " could no longer do this ''. I was not informed by e-mail, mail, phone call nothing. I want them to do what they said they would do. I am super sick of Capitol One Auto having me speaking with people overseas call center XXXX who clearly do not understand and give out wrong information, so they took a payment and never sent me the paperwork to sign and return and are trying to go back on that offer now. So, I fulfilled my part and even followed up 3 times asking where the contract was at as I never got it via e-mail. These companies need to be help up to standards here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraud, someone opened a bank of America checking in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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:
First and foremost I am the original creditor 15 USC 1692 ( XXXX ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 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 2023-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello. I have had the Capital One Quick Silver XXXX XXXX for awhile. Every year there is a {$39.00} annual fee. I got XXXX  and XXXX  of it because all of their commercials including the one most recently playing on TV is about the same exact card I had before I closed it. They told me they couldn't upgrade this account to no annual fee as the purpose of the card was to build my credit. I think that is a bunch of malarkey. I also asked if they could transfer my credit limit under the XXXX XXXX card to my Capital One XXXX XXXX. Answer was no. I am complaining about misleading advertising about the terms and conditions of their cards by saying that " none of their cards have an annual fee '' and that the XXXX XXXX card has no annual fee. AK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-25
Company: EQUIFAX, INC.
State: NH
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:
Information regarding Delinquent account with XXXX XXXX, which I have no knowledge of, is on my Credit Reports at all three agencies. I have filed disputes with XXXX, Equifax and XXXX, but the information remains. I have contacted XXXX XXXX on XX/XX/2022 and spoke with XXXX. XXXX attempted to look up information using my identifiers ( Name, SSN, DOB ). She was unable to find any account under my name. I am requesting that this information be removed from my credit file and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a vanilla gift card I call up the balance says {$150.00}. It is never been used every time I try to use it I said payment is declined. Ive tried on line and in person at stores. Ive called three different numbers I have multiple times and no one ever answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account.I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : 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 2022-01-28
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2017-12-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-10-28
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi CFPB, My complaint is related to deceptive and predatory practices that I have experienced being employed by two different store-credit card agencies as it relates to promotional interest-free periods. One was on a card through XXXX XXXX XXXX ( furnished by XXXX ) and the other through a west-coast jeweler ( Shane Co XXXX card furnished by TD XXXX ). 

These stores will offer promotional interest free purchases as long as the balance is paid off by a certain date. All that is good, but both employ practices where in the final months of the interest free period, they will apply payments in the excess of the minimum payment to the deferred interest that is NOT OWED to the creditor until the promotional period lapses with a balance owed to the creditor. 

Using some basic numbers to illustrate what they are doing, a consumer makes a purchase of {$2400.00} with a 12 month deferred interest period and makes payments of {$200.00} a month for 12 months. The minimum payment is {$25.00} per month, interest accrues and is deferred over that period. by the time the consumer gets to month 11, they have made {$2000.00} in principal payments, with {$400.00} left to pay off. However, these two creditors ( and I am sure others ) take month 11 and month 12 payments of {$200.00} each and apply {$25.00} ( the minimum payment ) to principal balance, and the remaining {$170.00} is applied to deferred interest. 

This is predatory since a reasonable consumer will figure that they need to pay off this balance in 12 months with 12 equal monthly payments of {$200.00}. Instead, they pay {$350.00} in to deferred interest in the final two months and then the promotional interest period becomes null and void because they did not pay off their balance within 12 months. This is in spite of making on-time payments towards their principal balance and being under NO obligation to pay the creditor a XXXX of interest under the clear and obvious interpretation of the creditors marketing. 

In the attached email TD XXXX admits to the practice and I can appreciate the reminder, since I went through this with XXXX XXXX However, not everyone pays as close attention to their email, and this is still fundamentally stealing interest payments from customers who do not owe the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: AMERICAN EXPRESS COMPANY
State: IN
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, this creditors have violated my right. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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. 

15 U.S Code 1681e- Apersonmay not procure aconsumer reportfor purposes of reselling the report ( or any information in the report ) unless thepersondiscloses to theconsumer reporting agencythat originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose undersection 1681b of this titlefor which the report is furnished to the end-user of the report ( or information ). 

The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. 

Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated. Have also sent cease and desist letters company continues to Harrass me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NY
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:
Please be advised that this is my ONE OF MY NUMEROUS REQUEST for you to remove incorrect and inaccurate information from my personal credit report. I received no response to my most recent complaint dated XX/XX/2023. It is my understanding of the law that you must complete any request for reinvestigation within a thirty day time frame. It has been well over 30 days! I have included a copy of my original letter for your records as well as mine and also I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Please take immediate action to rectify these issues. The following information needs to be investigated as soon as possible : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I transferred monies ( {$4000.00} ) from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Commenity Bank. Unfortunately I misread the credit card number of the Commenity Credit Card account. When I did not see the transferred funds applied to my account, I contacted Customer Service and was told it could take 90 days to be applied. 

On XXXX XXXX I sent a message to Commenity Bank regarding this transaction along with the transaction details provided by XXXX XXXX. At this point I was informed that it would take up to 90 days for resolution and no interest would be charged on the disputed amount. 

On XXXX XXXX there was not response. On Friday, XXXX XXXX I placed a call to Customer Service and was told that I would receive a response within two weeks. Again, the 2 weeks went by with no response. And i believe that monthly interest has been charged on the disputed amount. 

I called again and was connected to XXXX ( operator # XXXX ) who escalated my complaint. 
It is now elevated to Senior Account XXXXXXXX XXXX XXXX. They said I would receive a letter in the mail regarding the resolution. 

On Monday, XX/XX/XXXX Commenity Bank will no longer handle the credit card transactions for XXXX XXXX XXXX XXXX. The credit card accounts will be transferred to XXXX XXXX. When I asked about the balance on Commenity card, I was informed it would transfer to XXXX XXXX would then have the balance. 

The next email correspondence, XXXX XXXX informed me that it could be another 90 days before this is resolved. 

I cannnot wait for 6 months to pass before this incident is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am submitting a complaint in reference to XXXX XXXX They have reported this to my credit report after it was removed proved in the documents attached along with my FTC report from 2020 XXXX  XXXX XXXX. They refuse to remove from my credit report after poor investigation and receiving my fTC report from 2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, n item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) 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 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b )

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