BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/22 I received my statement from Capital One. Their was a charge of XXXX dollars for a late fee on there. I called Capital One and spoke with a representative that was not rude she was just XXXX. I explained that I had this fee and she responded with what do you want Capital One to do about it. I advised that I was hoping for the fee to be waived due to the following : -I always pay my bill on time -I have not received any late fee reversals -It was a miss that I paid on the wrong card She said she would check and that the " system '' told her that the fee could not be waived. I asked her had I ever been late or requested a fee refunded before, and she took a few minutes to check and advised that no she did not show that it had. However, the " system '' told her that she could not waive the fee. I asked to speak to a manager, and the manager was unwavering. I explained further to her that I had paid the credit card off prior to billing close date ; furthermore, I expressed to her that I have been a really good customer. She advised that the research was done by the prior agent and that there was nothing to be done. I explained to her that the agent advised only that the system told her so their was no independent decision that was made.

I have two issues with this, with the first being that if I had mailed the payment on or prior to the due date I would not have been charged because 25 day due date is to allow for mailing a payment in so as long as its received by the close date there should not be a fee. Capital One received my payment on the day the billing cycle closed.

The second issue with this is somewhat more devious. What algorithm is used to determine what fees for customers are credited or not credited. Then the question is what data is used for this, is used to make this decision is it race, age, geographical region, political, consumer credit, or religion. Then the question comes into play how often is the " system '' tested or calibrated, and by whom is it calibrated by. 
The issue with this is more than what I am assuming the company is going to say that the " system '' actually ensure no bias behavior, but then one could question who programs or test the " system '' and how do we know that just like the banking industry in the XXXX used discriminatory practices to shape where people lived based on housing algorithms. 

The professionalism with both representatives of the company were of concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Wells Fargo charged me {$350.00} interest on a {$600.00} balance. 

I talk with their Representative and a Supervisor and the Supervisor stated that she would only deduct {$82.00} from the {$350.00} if I pay the whole amount off now which would be {$870.00} today. 

How can they charge that kind of interest on {$600.00}.

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 2020-06-16
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I've been trying to link other banking accounts for transfers with pnc through XXXX. Sometimes it works and sometimes it doesnt, I recently linked one of my accounts finally with no problem. Now I'm trying to do the same with another account but it keeps denying. This is the biggest inconvenience that pnc has been constantly causing withing the past year!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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 would like to request for the removal of the erroneous information about my accounts that has been neglected by Experian Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my Experian Credit File. Therefore, Experian 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 inquiries that are reporting on my Credit Reports : XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX Opened XX/XX/XXXX Balance {$3800.00}

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 non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 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 I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXX XXXX  These two companies are also in violation of my consumer rights 15 U.S. Code 1681 a 2 ( A ) ( i ) Exclusions- except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which 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. 
I Never gave those furnishers written instructions to furnish this on my credit report! 

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )

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 2023-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dispute received by experian on XX/XX/2023 Dispute results received XX/XX/2023 no investigation took place no documentation provided Experian is NOT investigating just rubber stamping.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-11-23
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/XXXX, I reached out to Experian regarding discrepancies in the information on my credit report. Despite my initial contact, there has been no response from Experian to date. I am writing to address the inaccuracies and request the necessary corrections : The information presented for the account labeled XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$470.00} ) is incorrect. It is important to note that the original creditor for this account is a different entity, namely XXXX, as opposed to the one indicated by Experian. Additionally, the reported Balance of {$470.00} is inaccurate, as it exceeds the amount I believe I owe. I dispute the accuracy of this account and request verification of the Date Opened and Date of First Delinquency.

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 2024-01-02
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My mother XXXX XXXX  this last XXXX. I appear as XXXX on the title to her XXXX. Kia Motors Finance is also shown on the title. The loan was paid off in XXXX XXXX XXXX after my father XXXX. I am not able to keep the XXXX due to financial circumstances. Personal Property tax, licensing fees, inspection/emissions, insurance, etc. etc. I want to sell the vehicle but I am not able to do so without a clean title. I can't get a clean title without the lien waiver from Kia Motors Finance.

I am not able to give you dates of action because I only spoke to someone one time. 
She told me I didn't need a lien waiver telling me that Kia Motors notifies the DMV and a new title is then mailed to the vehicle owner. I went to the DMV with this story and she said that is not the case in Missouri. The many many many more times I attempted to call Kia Motors I never spoke to anyone. The number will put you on hold .... for ever, then the phone will ring like it is going to put you through and then it hangs up on you. I have done this over and over and over and over. I tried to contact a KIA dealer for assistance and all he would tell me is that I have to call customer service. No help from him ..... 

What can I do to obtain this lien waiver?

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 2018-12-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
No category you provided covers my experience with AMEX Bluebird card. I received an email from them with no explanation other than the following. Earlier they tried to remove auto withdrawal that I had set up TWICE and told me to dispute the second one which I did. Now my account is closed and they are refusing to communicate about it or give any explanation. I believe they are doing this to others as well and need to be investigated. I have no way to see what has happened. I had not used the card recently. They refuse to communicate over the phone. I didn't do anything.

Here is the email I received : During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement.

As a result of such activity, and

pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. If you have any questions or would like to inquire further, you may write to
us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CORELOGIC INC
State: NJ
Product: Credit reporting, credit repair services, 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 have an alert on my account from XXXX XXXX  from XX/XX/XXXX I received a phone call from them asking if i needed security i told them i wasnt Interested and the guy was very rude and insisted i hung up on him and next thing i know this was on my credit report

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 2023-09-21
Company: T.S. Holdings
State: TX
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:
15 U.S. Code $ 1681c-2 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 WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: CO
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXXXXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is regarding two accounts : Capital One 360 Checking ( XXXX ) and Capital One 360 Performance Savings ( XXXX ). 

My wife and I sent written, notarized closure requests dated XXXX XX/XX/2023 via XXXX XXXX Mail to Capital One at XXXX Capital One XXXX, XXXX, VA XXXX and Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( forwarded to XXXX XXXX, NV ). XXXX tracking reports these requests were received by Capital One on XXXX XXXX and XXXX XXXX, respectively. 

We mailed these requests to the addresses given on Capital One 's website ( https : //www.capitalone.com/help-center/contact-us/bank-account-support/, https : //www.capitalone.com/about/corporate-information/corporate-offices/ ) and as given on our bank statements. 

We received no acknowledgement/response from Capital One to either the given email or mailing address as on file with our account ( s ), though we continue to receive emailed, automated statement notices and a great deal of phishing email impersonating Capital One. 

We sent follow-up requests via XXXX XXXX mail dated XXXX XX/XX/2023 to Capital One Bank/Financial Corp. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX received XXXX XXXX ) and to XXXX Capital One XXXX XXXX, VA XXXX XXXX received XXXX XXXX ). 

To date, we have received no acknowledgement/response, queries, outreach or guidance from Capital One with regard to our closure request to either the email or home/mailing address provided and as on file with our account ( s ). For this reason, and because we continue to receive only automated account notices from Capital One, we suspect our closure request has not been processed.

We feel we have given Capital One a more than reasonable amount of time to process our closure request and to remit written confirmation that our checking and savings accounts have been closed. Because Capital One has failed to communicate anything whatsoever to us in regards to this closure request, we are reaching out to the CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: AL
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:
YOUR COMPLAINT Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within XXXX business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

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