BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my bill in full with capital one in XX/XX/XXXX. They then froze my account and demanded that I upload my ID, which I did via their link to my phone. Then they asked me to call them, which I did, immediately. The operator asked me to call my bank and use the phone to log into the account I used to make my payment on a three way call. They expected me to put my pin number in over the phone with the operator from the other bank on the line.. As far so I know they will never ask for your pin, correct?. So I refused to do so. They kept my card frozen until I complied. They did not return my payment, it was not stopped. Then the next month, I had no access to my account whatsoever I could not even sign in to my online account with capital one the account was locked.. there is no way I could have used the card again. But XXXX, XXXX, XXXX all my '' payments '' were on time. I could not log into my account to even check the payment options or to set my balance, no access whatsoever. Then this happens.. 

Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 150 days past due as of XXXX XXXX  120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX. 

How is it psst due if I could not sign in to my frozen account which was clearly paid off in full XX/XX/XXXX, I also asked them to close my account after the first month after I paid off my balance in full. They refused to close it for me. I asked them multiple times to please close the account. They would not. Now they are trying to say I maxed out the card at XXXX dollars and charging interest?! when I haven't used the card since XX/XX/XXXX after it was paid off in full and they refused to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: ALLY FINANCIAL INC.
State: FL
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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.

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 2023-05-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have noticed inaccurate information that may violate 42 U.S. Code 1320d-6 as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you accurately validate the alleged debt. I am unaware of the collection account referenced above. To be clear THIS IS A REQUEST FOR VALIDATION made pursuant to 15 U.S.C 1692g et seq. of the FDCPA.

Additionally, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for the release of my medical information to any third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold : Validation of debt and HIPAA authorization. 

Please contact XXXX XXXX XXXXARS to furnish a breakdown of fees including any collections costs and original medical charges. XXXX XXXX XXXXARS should also provide a copy of my signature with the provider of service ( s ) granting authorization to release my medical information to any third parties. Cease any credit bureau reporting until the debt has been validated as 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I wrote Trans Union and XXXX letters stating the bankruptcy is incorrect. They sent me letters stating that it is correct according to XXXX XXXX. XXXX XXXX sent me a letter stating that they couldnt verify the bankruptcy and they removing bankruptcy from there file. I enclosed a copy of XXXX XXXX letter with my last letter and trans union and XXXX  and they still have the items listed 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I am submitting this complaint to BANK OF AMERICA due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-16
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Macys American Express card and was approved today. I have tried to purchase a new sofa directly through Macys numerous times today using the card I was approved for and Citibank continues to deny the purchase. I have called 3-4 times and have spoken with every department. I have answered all their questions and have had the restrictions removed per my conversations and still can not use the card. I had my credit ran and received approval for this card and am being denied use of it. This is fraud. I would like the account closed and the credit inquiry removed. This is extremely frustrating.

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 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I asked for a payment extension for the month of XXXX XXXX XXXX XXXX XXXX  I was granted a approval the resp stated to me I was fine no late payment will be placed on my account because its the XXXX day and she will put a note on the account.I received a message from my credit monitoring service that it was a late payment pending to come on my account for capital one auto for XXXX.i immediately called.how can you report me late if I was approved for the extension for XXXX and the rep stated because it took 24 hours to process iit. I stated to him but I should not have a late payment on my account thats the other point of getting an extension. I cant afford to have that on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, 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:
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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TD BANK US HOLDING COMPANY
State: IN
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 previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or XXXX in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy.

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX XXXX/Never Late '' to now just reporting " Discharged through Bankruptcy XXXX XXXX '' so my credit looks worse than it did previously.

Reporting debt as being XXXX in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved.

I have attached a full list of creditors included in my XXXX  XXXX XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that TD Bank USA/Target was not included in the list of creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-05-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Order number XXXX. 
Refrigerator not delivered, out of delivery radius. 
Charged for item anyway. 
Cancelled order XX/XX/22. 
Been disputing this with Lowe 's and Synchrony Bank to no avail.

I did not receive the refrigerator and did NOT SIGN for it.

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 monetary relief
Consumer complaint received 2017-09-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I sent a {$3500.00} wire transfer from my retirement account and it was sent to Wells Fargo, to an account that was closed years ago. The wire was rejected but Wells Fargo decided to keep {$50.00} for the incomplete wire. 

Banks charge fees for insufficient ACH transactions, bounced checks and similar things, but they are charging THEIR client in every case. Many banks also charge THEIR clients for incoming wires. These fees are part of the bank 's " Terms and Conditions '' to which their customers agree when signing up. 

I am perplexed that Wells Fargo can reduce an incoming wire by a non-customer, and I do n't see how that 's legal as there is no wire or account agreement that says they can. The entire amount of {$3500.00} should have been returned. 

I can not think of any situation where anyone or any company, absent a court judgment, is permitted to take money from someone else without their agreement and Wells Fargo should return my {$50.00}.

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 2023-08-29
Company: BMW Financial Services NA, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I applied for a money purchase loan, the company denied my application. I made this application in good faith for my household and personal use. With the equal credit opportunity act I can not be discriminated against as the full faith and credit is backed by the United States. The federal reserve act sect 16 ( 1-2 ) states that I was to be credited the amount of the application. You cant deny me credit as that is security collateral. My question is if the financial institutions or bank denied my loan yet still deposited where is my benefit. Banks donot and can not loan credit just money. This application was made in good faith for my household and to be denied when Im the issuer of the credit card ( ssn ). In the transaction I am creditor per 433.1 defines creditor, issuer, money purchase loan, and credit card issuer. So how could I be denied if all obligations are of the United States.. I have exhibits to back laws. I have also provided the denial and the application. This company is also under the Sec. the application was the security collateral for the entire transaction. This is a federal violation and considered a RICO ACT. If you would like to further discuss this information in private please reach out to me via email or phone. Banks can not lend credit they can ONLY lend money by law. So how can I be denied of my rights to contract. I can send this application to the FDIC and file a complaint with the irs ( 3949a form and 211 form ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XX/XX/XXXX Certified Mail TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Credit Report Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXX XXXX XXXX ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
TransUnion previously removed the accounts from my credit file, but I recently discovered this debt is back on my TransUnion credit report. As XXXX XX/XX/XXXX, TransUnion began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: CITIBANK, N.A.
State: VA
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/XXXX, I logged onto my Citibank account and sent a secure email message to their live chat representative asking for a payoff on my closed card. I had no response so I called Citibank customer service XXXX requesting a payoff on my closed credit card ending in XXXX. 

The woman I spoke with laughed and said she can tell me only what she sees but can not make those authorizations. I asked for a manager or supervisor and she responded " They'll say the same thing I did ''. I asked her what happens when I pay off the account and if it will be closed permanently. She said " well its already closed so I don't know what you're talking about. '' She was pretty condescending. She ended with saying that she can not promise a payoff and still did not want to transfer me to a supervisor or manager. I have decided to reach out to your corporate office to assist. 

I sent an email to the Citibank Corporate office to : XXXX XXXX, XXXX. I then received a call from XXXX at the Citi Executive offices on XX/XX/XXXX from XXXX XXXX XXXX XXXX to discuss this. I asked for a payoff several times. I was never given an actual payoff and he only read what was the full balance on line which was {$3500.00}. He explained that it should be fine but he can not tell. I asked why I cant get a formal payoff after I requested it. I explained that I asked several time to the customer service rep and she basically denied my payoff request by not giving me a dollar amount. XXXX could not locate this conversation. I asked if this would be paid in full and he said yes but if it shows a few dollars of fees on the next statement he would write it off. 

On XX/XX/XXXX I paid the balance in full and was displayed a XXXX  balance. From that point I did not hear from Citi. My due date was showing XX/XX/XXXX so this was considerably before that due date. 

Today, XX/XX/XXXX I received a statement from Citibank for {$2.00}. This is ridiculous because I paid the balance in full, Citi denied me a payoff quote after several verbal requests and one written request on line. At this point this should be a XXXX  balance.

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 monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX  I sent letter to credit Bureau XXXX, XXXX XXXX, And Equifax By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Revco Management, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Revco solutions sent me a letter attempting to collect an alleged debt violating numerous laws such as 15 usc 1692f, 15 usc 1692f ( 1 ), 15 usc 1692g ( a ) ( 4 ), 15 usc 1692j ( a, b ), I requested validation of this alleged debt and requested a cease and desist among other request to validate this alleged debt!

Company response to consumer: Closed with non-monetary relief