BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Well, 2 days ago from XXXX XX/XX/2022. 

I opened XXXX savings account from capital one, with an advertisement saying that I can withdraw money in the first 60 days without paying penalties fee. 

I noticed I put in the incorrect account number to transfer money from XXXX  XXXX XXXX to Capital One. 

XX/XX/2022. I called Capital to cancel the transaction. They told me that they can't cancel the transaction because it is pending- they told me that I can't close the account because the money is in process. On the same day when I created the XXXX account - It didn't show the option to change or cancel the transaction. 

On the same day, I called XXXX that I need to check my Withdraw Protection to be off because I set the wrong check account to Capital One I don't want to be charged for the wrong account. The lady from XXXX  XXXX XXXX told me that my account doesn't have to withdraw protection - Witch means I don't have to worry about the money being taken from my account. because it doesn't have withdraw Protection. 

On XX/XX/2022, I opened my XXXX  online - found a negative balance of XXXX XXXX because Capital one took money from an insufficient account. I called Capital one on the same day and there is a problem they took me money from the wrong account, and they told me that they can't do anything until the money is available. 

I spoke with XXXX  XXXX XXXX they told me that I have to wait until it finishes the hold processing. My question is why XXXX told me that they will decline any transaction for an insufficient account. 

Why did Capital one didnd cancel the transaction when I explained them? 

Please help me. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX servicing is reporting debt not owned by me on my experian credit report. Neither XXXX nor Experian will produce the information shared between them. I can not get from either experian or XXXX a copy of XXXX 's response to my dispute. Experian will not tell me what response XXXX provided, similarly, Experian and XXXX have had lawyers look at the alleged note, which specifically says " no personal liability '' and continue to publish false information. 

Please attempt to regulate these people, they dont care what consumers think even if they are lying to others.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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.

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 informationisinaccurate

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX These companies have violated my rights 15 U.S.C 1681 section 602 A .States : i have a right to privacy.

15 U.S.C 16881 section 604 A. section 2. : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agencymay make any consumer report containing any of the following items of information and any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has resonable 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 2023-08-22
Company: Experian Information Solutions Inc.
State: HI
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:
Experian is reporting inaccurate information for my XXXX account XX/XX/22 never been 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 explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: WA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: WA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$190.00} XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is still showing incorrect information : - XXXX XXXX  XXXX, ( Account ending in XXXX ). This account has been paid-in-full. Please see the attached confirmation letter from XXXX, dated XX/XX/2022. 
- XXXX XXXX, is still incorrectly showing a {$900.00} balance due. ( Account XXXX ) incorrectly filed on my credit report. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to the IRS, which means it is now income earned for the company. I can not owe on income. This is inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

Please remove these items from my account, 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
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
American Honda Financial Corporation handles the financing for a vehicle and a motorcycle in our household. The motorcycle was a new addition and when we began making payments, we added a new bank account for the Honda payment with the intention of paying for the vehicles out of separate accounts. Both payments for the vehicles were made online, using separate bank accounts. An email was received showing we made a change to the bank account information on XX/XX/21, yet when the payment was made for the Honda no confirmation email was received for the payment and it did not show up in " pending '' payments online. We waited several days to see if the payment would clear, then received an NSF from Honda saying the payment was returned - because Honda processed it through the wrong account. The payment was then made again online, using the newly input bank account and once again, no email was received showing confirmation of the payment and the payment did not show up online as " pending ''. To date the payment still has not processed and Honda continues to show the account as delinquent despite my stellar payment history and attempts to make the payment multiple times. A call to customer service yielded no assistance as the person didn't seem to understand what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
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:
I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2022-12-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Before the month end XXXX of XXXX, our company had issued 5 checks to various vendors. We mailed the checks by dropping them into a blue mailbox at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During the XXXX week of XXXX, we started to receive calls from our vendors who did not receive their checks. Upon checking, checks intended for them were cleared and deposited to someone else 's account. We submitted a complaint to our Bank, US Bank. We received documents we needed to fill up from US Bank and returned the completed forms to them in a timely manner. I have made several follow ups with the Bank but no answers or resolutions. The amounts of each check are the following : Check 1 - {$7700.00} - Tampered check -changed payee name on check Check 2 - {$12000.00} - Tampered check - changed payee name on check Check 3 - {$11000.00} - Tampered Check - Changed payee name on check Check 4 - {$2200.00} - Check deposited to another account than payee. Check intended for a business account was deposited into a personal account.

Check 5 - {$14000.00} - Check deposited to another account than payee. Check intended for a business account was deposited into a personal account of person who endorsed it fraudalently.

Total amount of fraud amounts to {$48000.00}. It has been 4 months with no action by US Bank. We submitted our complaint to XXXX and our fraud case number is XXXX. We mailed the original from to XXXX check claims, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN 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 2021-09-29
Company: Experian Information Solutions Inc.
State: PA
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 have been writing in and calling explain that i am a victim of fraud I do not have an account with this company and its been almost four months of me waiting on proof of validation. they can not provide it and I still have the issue of false reporting on my credit reports which is offensive and in violation of my rights.

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 2022-12-06
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This additional information against Ally Financial. Exposing the fraud theyve committed on my account. Ive attempted to satisfy the debt obligation numerous times. I have proof with in the photos. Ive sent in private money orders. etc. Theyve kept them sent me copies and said its not acceptable. XXXX sent another registered remittance coupon for settlement. However yet keep it! And sent copies back all my instruments with my wet ink signature on them. They kept and didnt credit the account. While telling me its unacceptable or flat just saying they received the instrument. And are not accepting it. Dishonor for years Ive had to stress and deal with this. Ive had enough and Id like justice for all of the years of stress and dishonor they continued to do. Theyve messed up my credit. 

Payments were made they reversed all of them! My car was in the status of release of title etc. Proof in the pictures! 

XXXX Had the account audited you can plainly see this car was paid off. 

XXXX Had an audit they dont even show the payments that were reversed. Plainly violating fed wire ACH laws by reversing payments. They took that out and sent the enclosed audit. XXXX payments not even on this XXXX audit they removed them. 

The account was finally closed and paid in full status XX/XX/XXXX. They then reopen it put it back on my credit report shown in the pictures. How is this not illegal!!!!??? Im quite sure Im not the only one going through it with this Fraud company. They are restricting my ability to live. I cant get a mortgage loan because of the credit history theyve put on my credit. All because they are crooks. Please help!! DONT DO ANY BUSINESS WITH ALLY FINANCIAL! YOUVE BEEN WARNED!

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 2020-12-14
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On today, XX/XX/XXXX, I, XXXX XXXX XXXX received a notice dated XX/XX/XXXX from Santander Consumer USA , Inc. The drafted correspondence is not a mutual agreement that XXXX XXXX XXXX and Santander USA have. The letter suggests that Santander Consumer USA , Inc. has the vehicle XXXX XXXX XXXX reported as lost or stolen in their possession. Given that the events that caused XXXX XXXX XXXX to report the vehicle ( XXXX XXXX XXXX XXXX ) as lost or stolen occurred on XX/XX/XXXX and this correspondence is drafted as XX/XX/XXXX, it can be ascertained that by the many miles away Texas is from Virginia that Santander does not have this vehicle in their possession as suggested. 

This correspondence further goes on to say that Santander Consumer USA may take action against me if they do not get the money they are requesting from a sale. All statements in this Santander Consumer USA XX/XX/XXXX correspondence violates any and all agreements XXXX XXXX XXXX has with XXXX XXXX, XXXX XXXX XXXX, and XXXX ( Power of Attorney ). Therefore, XXXX XXXX XXXX is prohibiting XXXX XXXX XXXX or any other affiliates from aiding Santander or their affiliates whom they are indicating that they may have to pay by providing a key, tag ( s ), title, or otherwise because it violates the agreement ( s ) XXXX XXXX XXXX has with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Continental Finance Company, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from a " XXXX '' XXXX from XXXX & XXXX which left a voicemail which all my personal information and called family members to harass them about my debt and threaten to sue me. " XXXX '' XXXX represented himself as a paralegal that that he was calling from a law office which is misrepresentation and false. " XXXX '' XXXX was aggressive and threatening me about the debt owed. " XXXX '' XXXX claimed the debt was about {$1.00}, XXXX when the credit card was for {$500.00}. The location that was indicated on the agreement letter was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; Phone : 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 2021-05-03
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have yet to receive any follow up on requests from the loan processor XXXX XXXX. Ive left messages with sales dept and on his voicemail now and yet he never responds. I always seem to reach out to the loan officer who contends he will do his best however the loan processor will call which he never does. Ive paid this company for almost 2 years with a mortgage with no issues and now Im starting to rethink my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NV
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:
O/A XXXX XXXX through XXXX XXXX I have attempted to fix erroneous information being reported on my credit reports on credit accounts that have been discharged through XXXX  XXXX bankruptcy. Most of the agencies have cooperated in getting the accounts in closed status and showing XXXX  XXXX Bankruptcy Discharged. However, they have not removed past delinquent payment dates which has a direct effect on my credit score. The purpose of a bankruptcy is to remove all past derogatory information so a US Citizen can start with a clean slate and start re-building their credit. I believe that the credit reporting agencies are allowing creditors to willful and negligent noncompliance of the FCRA 15 USC 1681c and 1681o and noncompliance of current US bankruptcy laws.

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