BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/2021 I had XXXX XXXXXXXX and was in ICU for 9 days and pregnant at XXXX weeks. After my hospital stay and delivery, I notice a late 30 day payment on my capital one credit card account. I sent multiple letter stating to them to DELETE the late payment and stop furnishing that late payment to the credit reporting agencies ( XXXX, XXXX, and XXXX ) they sent me letters that the account was accurate. I explained them that it was not about the accuracy of the account but non consent to report. I further explain that they were violating me under 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS. That states that the experience that I am having with them are not supposed to be reported without my consent. Non consent is identity theft. I am suffering actual damages right now because no lenders want to loan my money, I can not get a mortgage or stable employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: AMERICAN HONDA FINANCE CORP
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:
Honda financial service removed a vehicle I was purchasing from my credit with all credit bureaus. I have completely paid the vehicle off and the line of credit has not been reinstated. I call every week for updates to no avail. It's like I have given Honda financial service XXXX of my money over a 4 year period with no record showing of it. This has cause extreme hardship in my life. I noticed the issue last year XX/XX/XXXX and reported this to Honda they did not do anything to reinstate they advise they removed the vehicle from my credit due to COVID relief I did not ask for this it was done without my knowledge. I paid the vehicle off early XXXX. I have been calling weekly since XXXX of XXXX. Still waiting for a manager to call me still waiting for my reinstatement now they're saying they cant help me because the account is closed its closed because I paid my debt that's not being reported this is a nightmare my credit and financial history has taken a turn for the worst due to Honda 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Capital One still has this information on my credit report according to XXXX XXXX, i called the customer care XXXX XXXX, XXXX while i was working and they said it would be removed that they would contact XXXX and file a complaint, yet they told you that i didnt provide a correct address??? have them be advised i have the phone conversation recorded and will use that as proof. thats a lie, this capital one statement is over 18 years old and should of been removed CAPITAL ONE Credit Card XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$1100.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$1400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Consumer disputes after resolution Payment History Latest Status : Current No payment history has been reported by this creditor. Credit Utilization* 0.00 % See something wrong? You could dispute an error with XXXX. *Calculated using reported balance and credit limit on account. its still there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One sent me an unsolicited application for a XXXX Credit Card via my XXXX email account. The solicitation provided a link to a web page where I provided my private credit information. Both the unsolicited email and online credit card advertisement informed me that I am eligible for a {$200.00} -- rewards cash credit after spending {$500.00} in XXXX  months. Per credit contract with Capital One, I provided my credit information, which impacted my credit report. I provided my private contact information protected under the Federal Privacy Act of 1974. Capital One is now communicating that they are choosing to breach their contract with me by not paying the advertised {$200.00} -- rewards cash credit to my Capital One credit account. 

Email received from Capital One<XXXX XXXX XXXX, you're approved for a XXXX Rewards card XXXX XXXX XXXX  Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening '' - I have excellent credit. 

I called Capital One multiple times to confirm eligibility for the {$200.00} cash bonus. Now after spending and paying off well over {$500.00} -- of purchases over the last 3 months, I am told by Capital One that I am not eligible for the {$200.00} -- cash credit. 
Changing the terms of my credit card credit contract after Capital One has retrieved my very personal financial, private information constitutes a breach in contract and makes the Capital One Online credit card solicitation false if not fraudulent. Remedy is for Capital One to provide me with the advertised {$200.00} -- cash reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
I am a victim of identity theft. I had my identity stolen, as well as all my business and personal bank accounts were hacked. XXXX  were stolen, which caused me to be late on payments, accounts being, closed, and extreme damage to my credit report and scores. There are also accounts opened and used in my name without my knowledge or permission including child support cases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: MIDFIRST BANK
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020, I had sold my house under the representation of my realtor and attorney. ( joint with my ex-husband ). 
Two years later, HUD states we owe them over {$16000.00} including fees and interest. Originally {$11000.00} and they had sent wage garnishment without contacting either myself or my ex. 
After research, I found out that HUD was sending letters to the old address of which we sold the house. I have been in communication with HUD. I have sent in a letter for an appeal, all the proofs I had from the sale of the house and my address change information including mail received with the new address. I have given HUD a full explanation of our account. I have also contacted the mortgage company and have not received reasonable action. 
My attorney and myself have received the title and payoff letter from Midland stating " XXXX balance. '' This is a clerical issue on Midlands behalf and I will not be responsible for their operational errors.

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 2022-03-08
Company: EQUIFAX, INC.
State: UT
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:
My wife and I are having the same problems with Equifax Information Services, LLC and their violations of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax Information Services, LLC 1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 2. Equifax Information Services, LLC chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 3. Equifax Information Services, LLC has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. These are just stall tactics. I and my family are being continuously damaged by Equifax Information Services , LLC and their violations of the Fair Credit Reporting Act. They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I recently received a copy of my Experian consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX Account # : XXXX Dates Of Late Payments : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; UPDATE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT TO ( CHANGE AS AGREED ) or ( OK ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My student loan have been reported on my XXXX, XXXX, and TransUnion files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.

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 2023-02-02
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As dated, XX/XX/2023, I demand cease and desist. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
And XXXX I received a letter from the IRS stating that I owe to them almost {$10000.00} in taxes for a vehicle purchase through Wells Fargo financing. This vehicle was purchased as a joint vehicle however win the 1099 seas were distributed we were divorced they sent a 1099 to my ex-husband For the amount of {$24000.00} and they sent one to me as well in the amount of {$24000.00} saying that both of us owed taxes on {$24000.00} The total cash price for the vehicle according to the credit application is {$26000.00} When you add those together that is almost {$49000.00} so both of us were required to pay taxes for {$24000.00} when the vehicle was only {$26000.00} we asked them if they could send us 1099 cc with the corrected amount because technically we should be splitting the cost of the vehicle and they refused. They said that was not something that they did even though we were no longer married. They said that we should just be able to ask our tax professional to split it the IRS said no you can not do that. The IRS said that we both must pay taxes as the 1099 sees state that we should because that is what Wells Fargo reported I am still in debt with the IRS due to the fact that Wells Fargo refused to split the balance of the vehicle between both of us when I told the IRS that we would end up paying almost {$20000.00} in regards to this debt and that Wells Fargo was reporting fraudulent information they did not care Wells Fargo was very hesitant and not compliant and sending me documentation of the debt when I asked them to it took them about a year to do so.

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 2021-01-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My name is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer is Select Portfolio Servicing , Inc . Select Portfolio Servicing , Inc., purports that they work on behalf of XXXX XXXX XXXX. whom they claim is the owner of my mortgage loan. Select Portfolio Servicing Inc., hires a law firm by the name of XXXX XXXX XXXX XXXX to act as a foreclosure attorney for the servicer on behalf of the Owner/Investor of the loan, XXXXXXXX XXXX  XXXX. For years I have provided Select Portfolio Servicing, Inc and XXXX XXXX  XXXX, XXXX with prima facie evidence that XXXX XXXX XXXXXXXX. does not own my loan. I have also asked for Validations of Debt from XXXX XXXX XXXX XXXX on several occasions. XXXX XXXX XXXXXXXX, XXXX never actually validate the debt however, they consistently try to foreclose on my property. Employees of XXXX XXXX XXXX XXXX also submit themselves into state and federal records purporting to be the legal representatives of XXXXXXXX XXXX XXXXXXXX. This is extremely illegal. Most recently I have called XXXX XXXX and Mortgage Servicing departments and they too have said XXXX XXXX  XXXX. has never owned my loan, has no records of my loan and do not have information in their data base pertaining to my name, address, loan number or social security number. Furthermore, cases like Stubbs vs. Bank of America and You vs. JP Morgan Chase ( GA Supreme Court Case ) clearly state that only the SECURED CREDITOR can foreclose on a property. XXXX XXXX XXXX XXXX are aware of that laws required to LEGALLY foreclose on a homeowner in the state of Georgia. 
In conclusion, XXXX XXXX are using a pseudo entity to foreclose on my home which would be considered theft, fraud and I am sure many other infractions. I must assume that XXXX XXXX XXXX XXXX engage in these practices quite often and need to be stopped. As barred attorneys they are supposed to uphold their oath and should not engage in fraud before the courts. Please investigate this matter and if you do, I will assure you that this law firm has engaged in illegal foreclosure and fraud before the courts for over 10 years and need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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 2021-01-12
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm filing this follow-up complaint to formally inform XXXX, XXXX, and TransUnion Credit Bureaus of my intent to update my credit reports within the next 15 days. I earnestly expect these three Credit Bureaus to promptly remove the specified inquiries from my credit records. This communication is a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries listed in this complaint, as well as those in the aforementioned complaint, be removed upon completion of the 15-day credit report update period : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX US DEPARTMENT OF EDU 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 TRANSUNION : 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 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. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have submitted multiple disputes to remove XXXX XXXX XXXX from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before XXXX XXXX bought my loan and added {$5300.00} to the original amount. XXXX XXXX continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX was added. And I just saw the news article on your website that XXXX XXXX is being sued in NY because they are doing it to majority of their customers

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