BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Back in XX/XX/2021 I was solicited to open a Capital One QuickSilver account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a Walmart credit card through Capital One. Therefore I opened the Walmart credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by Capital One, this includes charges and making successful payments. 
You can imagine my shock when I received letters from Capital One dated XXXX XXXX Capital One has decided to close both my accounts. 
Capital One has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision Capital One committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming Capital One is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. Capital One knows this, which means Capital One is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information Capital One used to close my accounts. Additionally, since Capital One has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and Capital One I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I went to KIA of XXXX, CA at XXXX XXXX XXXX, XXXX, CA XXXX, phone # XXXX and spoke to the General Manager XXXX XXXX XXXX who approved the purchase of the new XXXX KIA XXXX. I was asking him to trade/upgrade in my leased XXXX KIA XXXX Vin # XXXX, License plate # XXXX but he refused to do that stating the mileage was high at XXXX miles at the time. The XXXX XXXX of the vehicle was about $ XXXX in excellent condition and no mechanical issues. Normally the trade/upgrade should have been allowed especially that I purchased the new KIA XXXX from their dealership. However, the sale of the XXXX KIA XXXX XXXX # XXXX, License plate # XXXX was a PURCHASED Vehicle that was approved. I noticed on my car loan application for the XXXX KIA XXXX that the income stated was {$7100.00} but that was incorrect therefore the adjustment was made in order to qualify for the car loan. My current income is approximately $ XXXX {$3000.00} per month, It appears that XXXX KIA wanted me to have 2 car payments that I can not definitely afford! 
On XX/XX/XXXX, I contacted KIA Finance America and reported I will surrender the XXXX KIA XXXX vehicle to the KIA of XXXX. The KIA Finance said it was acceptable to return the vehicle at the said location. The transaction was completed and well documented and pictures taken as well. 
I am respectfully requesting that KIA Finance America RELEASE me from any FINANCIAL LIABILITIES and FEES from KIA Finance America.for the XXXX KIA XXXX, KIA Finance XXXX XXXX XXXX, XXXX XXXX, CA XXXX just sent me a statement KIA Finance America is currently charging me $ XXXX the XXXX KIA XXXX. 
I am a rideshare driver from the XXXX XXXX, California and work long hours in dangerous conditions but have to do so to earn income to support my family. 
Thank you for your kind attention to this matter.

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 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
T

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Kindly review the attached documents. I am requesting the bureau to begin an investigation into these accounts, as there has never been a late payment, despite the inaccurate reporting.

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 2023-12-14
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$5900.00} LVNV Funding {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 is XXXX 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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$660.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$760.00}

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 2023-08-07
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Act # XXXX with XXXX  has been settled no balance due. Credit report needs to be updated and its not getting updated with agencys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: NY
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 didnt authorize these car dealerships to put all these hard inquires on my credit report! The hard inquires are as listed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-11-20
Company: KBHS Home Loans, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Kb homes issued a pre-qualified that tied me up for months on a home they couldn't close now is priced XXXX higher than before. Now all homes are priced higher as a result of there negligence and I took a big lost.. they should have been honest from the start about the inability to close the deal they had very poor communication and I did everything in my part to make it possible. They kept telling me that the loan was okay and everything was fine to in the end canceling purchase.

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 2023-10-03
Company: EQUIFAX, INC.
State: SC
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:
account.

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 1881. 

Accounts 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 violated my rights 15 U.S.C 1681 section 802 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. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
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:
I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is still reporting a past due amount on their website and trying to double collect on agreed upon student loan for settlement with the collection agency XXXX, XXXX, XXXX XXXX. 

In the following attachments you can see the settlement with XXXX, XXXX, XXXX XXXX. You can see the payments reflected in the payment history in the second attachment and how Navient is trying to claim a past due amount. You can see in the third attachment the loan is still showing up for payment on their website even though they said after 2 payments it would be taken down. Two payments would have been XX/XX/2018 and XX/XX/2018 so by XXXX according to them the loan would no longer be showing as past due. 

I spoke to Navient in XX/XX/2018 after reaching a settlement with XXXX, XXXX, XXXX XXXX. I spoke to them in XX/XX/2018 where they re-assured me the payments would be reflected accurately on their website. 

In addition as of XX/XX/2018 I can no longer make payments online to XXXX, XXXX, XXXX  XXXX as I have been doing since XX/XX/2018. According to XXXX, XXXX, XXXX  XXXX Navient won't allow it. So I can only make telephone payments through XXXX, XXXX, XXXX  XXXX with no confirmation number to show proof the payment went through. Instead I have to check back later that the payment posted both in my bank account and on XXXX website. This is absurd and an attempt to prevent me from making payments correctly and on time so they can try to trick me into violating our agreement. 

Navient is making payments difficult via telephone only no confirmation number payments through XXXX, XXXX, XXXX   XXXX, Navient is trying to double collect payments on their personal website while showing the account is past due despite a settlement being reached, and Navient is not accurately reflecting the agreement that was reached via their collection agency XXXX, XXXX, XXXX XXXX on Navients website and has not updated it or removed as they promised in XX/XX/XXXX and XX/XX/XXXX to do so after 2 monthly payments through XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 told Transunion to investigate these accounts & to delete 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. They even stated they UPDATED the accounts According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 XXXX 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. 

Also they aren't even in compliance with metro 2 credit reporting. They supposed to report at 100 % accuracy, updating my credit reports shows they havent. They also was supposed to respond in 30 days & it was longer. I have evidence to prove my case

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 2023-06-03
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: NC
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:
This company XXXX by law according to 15 USC 1681 Section 604 A Section 2 : 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 an open end consumer credit plan as late for purpose.

This company has reported numerous negative payments on my XXXX, Equifax and XXXX credit report and I ( XXXX XXXX ) would like for those payments to be updated to PAANL status due to my current up to date payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Convergent Resources, Inc.
State: OH
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:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2023-05-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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