BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 customer service

Complaint:
My accounts at Capital One were closed. I tried to get it reopened and have escalated it to the office of the CEO, and I also tried other departments I was sent to, but they responded that they can't get it reopened. I still had other things that I needed to get done on my account and I was not given proper assistance. I again reached out to the corporate office with no response. Suddenly, I got a harassing letter that I have no right to contact the bank 's corporate office, anything I need should be through customer service. However, when I contact customer service they refuse to assist me. They blocked my calls, totally discriminating against me. 

This is the letter I emailed to the CEO : Dear XXXX, it's been some time since Capital one has made their senseless decision to close my accounts and to part from a long time relationship. However, immediately upon complaining to your office, for some reason the company started to discriminate against me in a very nasty improper way. Capital one is refusing to assist me through the regular customer service and when I try getting the att. of the leaders in the company, they fail to respond at all. They are also trying to harass me not to complain. This is in total violation of Visa policy and federal regulations. I have proof that there is a double standard. While others with closed accounts are being fairly treated, I'm not. I hope u realize the severity of this matter, I look fwd. that u will take serious action to rectify the situation in due course, to prevent ur org. from serious legal jeopardy, possibly seeking class-action status. I appreciate the opportunity to make u aware of my concerns. Respectfully, Mr. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX, has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXX XXXX  XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2021-09-09
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, my wife and I purchased a ticket in error for the wrong airport after our flight had been cancelled. Within minutes, we called American Express as well as the airline to cancel the ticket. American Express advised that we allow the charge to go through and then dispute it, which I did. Once the charge had gone through, they refused to allow me to dispute the charge. I want the {$750.00} fully refunded, since I was materially prejudiced by American Expresss representations after I had relied on their assurances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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:
TransUnion keeps putting delinquent accounts on my credit report. 

Last week I noticed than an extra account was added to my credit report from XXXX XXXX XXXX with a balance of {$0.00} the strange thing they reported also that this account was opened on XX/XX/XXXX ( 2 yrs, 8 mos ) and it was reported THIS WEEK how that's even possible same issue happened with 2 accounts XXXX XXXX XXXX opened XX/XX/XXXX ( 3 yrs, 4 mos ) and XXXX  XXXX XXXX opened XX/XX/XXXX ( 2 yrs, 10 mos ) I don't know how that even possible, XXXX  XXXX XXXX and XXXX showed up a year ago on my report, i tried to dispute them 5 times, they didn't respond i hired a credit repair company for {$1500.00} they didn't remove anything. Also there's a plenty of false addresses on my report as well that I've never lived on. There's over 36 address in the past 3 years so according to them I change my address every month, also 15 credit inquiries I'm my credit report I have no idea where they're from! 

I'm really frustrated I pay 13 % in Interest just because TransUnion doing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian did not do an accurate investigation in providing the factual details to my dispute. On their are two accounts that are identical XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX. A precise and accurate investigation would have uncovered the details of them being the same account. And if they cant find the minute issue shows their lack of maintaining complete and accurate records. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX These accounts plus the two identical does not belong to me as I provided the written statement from my ex fianc that he takes full accountability for opening them in my last complaint yet they blantantly ignored the statement. A precise and thorough investigation would include them contacting all parties named in complaint to verify accuracy. Yet they did not contact my ex fiancs which furthe proves bias. Furthermore In accordance to the Fair Credit Reporting Act, my rights have been violated .under 15USC 1681section 602 states I have the right to privacy. 15USC 1604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Im also providing in documents their response from their website which wont allow me to dispute the inaccurate info. So I ask since that they provide me with the original contracts with my signature and Address stating where I live. The attachments I provided proves inaccurate informations they all have different addresses that I never lived at so provide me with the original contracts

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX  Account : XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm a casualty of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. Kindly assistance

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-04-20
Company: EQUIFAX, INC.
State: GA
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:
Re : XXXX Bank Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX Bank Account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Convergent Resources, Inc.
State: AL
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:
The company that shows up on my XXXX credit report is XXXX. This collection was supposed to fall off by now as its older than 7 years. It keeps re showing up on my credit profile. Secondly, I sent them a debit validation letter, because I have no knowledge of this account ( I have never even had sprint as a phone carrier ) they sent me the validation but the address wasnt even correct on the paperwork that they sent me. I disputed with XXXX, but they still said it was valid. Is is 100 % not valid for two reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA Violation Alleged account # XXXX National Recovery Agency has not provided me a HIPAA release that releases my medical information to them. The credit bureaus have allowed them to violate my HIPAA rights by continuing to report this account without following the HIPAA guidelines. I have requested a copy of their HIPAA compliant BUSINESS ASSOCIATES AGREEMENT as well as a description of how they recieved my ePHI to show compliance with the HIPAA Security Rule, specifically the HITECH ACT OF 2009. 
( copy of affidavit attached )

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 2022-04-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I received a targeted mail offer with a personalized invitation code, advertising that I, with a specific mention of my name, was already preapproved for the CC and offer. The offer was advertised boldly and prominently at the front of a XXXX airline miles after XXXX in purchases. 

I visited the link and put my personalized invitation code in and signed up. I spent XXXX in the given time and was not given the points. When I called they mentioned I was not given the points, they said I was not eligible for this offer because there needed to be 48 months between credit card offers, only 44 months had passed since my last offer. 

There was no mention of this at any point, from the application process, to credit card being approved and sent out, etc. 

When I complained on why they are sending out personalized highly targeted promotions to customers they know are not eligible, they mentioned they are aware of the issue, there marketing system is not linked with the application systems, and they have a software request to address this already. I was told they are sorry but nothing can be done.

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 2023-10-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and an other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' as you have previously, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste valuable time. The negative accounts have been placed in Collection/Charge-off/Late Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt . XXXX and the creditors reporting collections/Charge Offs, late payments, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved. Also, Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumers report. ( XXXX, XXXX, XXXX, and XXXX  ) is in violation of said section for furnishing this information on my consumer report, i which they obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from the electronic system know as XXXX. Per XXXXXXXX XXXX website, they do not give, sell, or transfer any personal information to ANY third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint on XX/XX/XXXX after numerous BILL COLLECTOR calls about my mortgage. I pay my mortgage EVERY MONTH via bill pay. My payments are cashed and then applied to a SUSPENSE ACCOUNT or a UNSPECIFIED account. Some payments are applied to my escrow and NOT my mortgage ... so it appears my mortgage is in default. 

THIS COMPANY IS RUNNING A SCAM. NO DOUBT THEY ARE PREDATORY LENDERS AND WILL BEGIN TO CHARGE DEFAULT INTEREST AT 18 % ON MY HOME. 

This started when they took over my home loan from XXXX XXXX XXXX. They said I owed an additional {$5000.00} on my escrow but could never tell me where that {$5000.00} came from. I agree that escrow payments are modified each year, but not {$5000.00} ... it is usually a couple XXXX dollars more or less. This discrepancy appears to be the amount of my tax payment and it is very possible that Specialized Loan Servicing AND XXXX XXXX both paid my taxes which were due XX/XX/2019 the same month of the loan acquisition. 

THIS COMPANY MUST BE INVESTIGATED FOR PREDATORY LENDING PRACTICES, I AM ON A FIXED INCOME AND SCARED TO DEATH THIS COMPANY WILL BEGIN FORECLOSURE ON MY PRIMARY HOME. PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Foris DAX, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed on Website called XXXX, the site was suddenly taken down or frozen around XX/XX/XXXX, or XX/XX/2020 for the amount below. 
XX/XX/2020 for {$790.00} XX/XX/2020 for {$3500.00} XX/XX/2020 for {$2700.00} XX/XX/2020 for {$1100.00} XX/XX/2020 for {$3200.00} I have filed a police report and contacted my bank, XXXX  XXXX XXXX, but of course bank cant do anything to to help me, because this is through a third party which is coinbase, www.crypto.com. Im hoping that coinbase will be able to stop all transaction when I found out that this was a scam but they said they cant because my payment was already sent out they arent able to help. Im very upset that this happen to me during the Worst pandemic time, Im hoping someone out there that can help retrieve my fund. Almost feeling like did I make the wrong choice to invest?

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 2023-10-18
Company: EQUIFAX, 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 am formally requesting this letter to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX  XXXX XXXX Balance : {$2900.00}.

Company response to consumer: Closed with non-monetary relief