BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One # XXXX XXXX XXXX Prior to XX/XX/XXXX Capital One Restricted My Card use because I would not update my ID information with them. As of XX/XX/XXXX I have been charged a Membership Fee for my " restricted '' Capital One Account, I still held an outstanding balance, continued to pay timely to the point that the " membership fee '' remained, on or around XX/XX/XXXX. Though my balance had been reduced to {$0.00} ( other than the member ship fee ), my use of this credit card remained " restricted ''. On or about XX/XX/XXXX my Capital one statement arrived it the mail, the statement stated that my " restricted account '' has been charged another annual membership fee of {$39.00} for the coming year. I choose this opportunity to call Capital One asking why they would think that I would pay a membership fee if I've not been allowed to engage in the membership benefits as a " non-restricted '' account holder may. It seems that their only interest is to get me to up date my personal information which I choose not to. I've never been late on payments, Capital One is who restricted my abillity to us my card. I've paid my balance to {$0.00} except for two ( 2 ) membership fees upon a card that the issuer has restricted the use of. 

My new statement arrived today : Previous Balance {$79.00} Payments XXXX Other Credits XXXX Transactions XXXX Cash Advances XXXX Fees Charged + {$25.00} Interest Charged + {$1.00} New Balance = {$100.00} The issue begins as this ; Two ( 2 ) Annual Membership Fees Charged to a " Restricted '' Card, i.e. meaning I could not use this card even though it was paid on time while now at {$0.00}. Two {$39.00} membership fees equaling {$78.00} that I told Capital One that I would not pay because the account was restricted from us by Capital One. I've paid my responsibility, I will not up date my personal information, Drivers License etc. for that is why they restricted my account over a year ago. Now Capital One wants to impose Late Payment Fees, interest on these unpaid " Membership Fees '' : Past Due Fee {$25.00} Interest Charge on Purchases XXXX New Balance $ XXXX Minimum Payment Due XXXX *Previous Balance of {$79.00} was paid down to {$78.00} ( equaling two ( ( 2 ) ) annual membership fees not paid My position is such, Capital One restricted my ability completely from enjoying and membership benefit ( s ) that the Annual Membership Fee provides through the restriction of my account. I continued to fulfill my responsibility promptly and timely of paying my account off. I do not see how one could expect or for that matter insist that these fees are payable, open to late payment charges and then to even charge interest on it as if they are purchases, Please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XX/XX/XXXX I have been contacting Transunion to remove a hard inquiry on my credit report that was done without my approval. The hard Inquiry was done by XXXX on XX/XX/XXXX. I contacted XXXX   regarding this and they stated that I have to contact the credit bureau to have it removed. I contacted Transunion and was told to fax a copy of my credit report and a letter requesting the removal as well as a copy of my ID and address and I did so. I am yet to receive a response from them. Today I contacted XXXX again regarding the issue and they stated that I should go to www.consumerfinance.gov and submit a dispute. Upon doing so It stated that I could not submit the request online and to contact Transunion by telephone. When I contacted Transunion by telephone I was told that I needed to contact XXXX and have them send me a Letter of Removal and then mail the letter and my request to have it removed. I then called XXXX who then notified me that they do not send out letters of removal. I am very frustrated with this issue as this inquiry was not done with my approval in the first place and now I am being given the run-a-round to have it removed. I would like to file a complaint on both Transunion and XXXX on this issue as both companies have failed in having this issue 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 2022-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX 
CREDITOR : TOTAL CARD DATE ASSIGNED : XXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
I have disputed with XXXX XXXX on 3 separate occasions within the last 90 days an incorrectly reported account with XXXX XXXX LVNV FUNDING Resurgent. This account was included in XXXX  XXXX Bankruptcy discharged on XX/XX/21. On XXXX I called Resurgent  at XXXX XXXX 2 times between XXXX and XXXX XXXX pst and requested that they report this account as closed and included in a XXXX  XXXX BK discharge. I was told it was not in the bankruptcy and I was told I had called them in XXXX and asked for a hardship deferral ( I did not, I had my Bankruptcy hearing in XXXX ) and that I could resume payments when my financial situation changed and I explained that I would not be making any additional payments as this debt was discharged in a XXXX  XXXX Bankruptcy. She continued to insist this was not in the bankruptcy. I called back later in the afternoon after gathering all the paperwork to show this was included in the BK and this time they refused to provide any information at all as they said the account was flagged with a cease and desist despite the fact that 3 hours earlier the rep was able to discuss the account with me. They told me I had to remove the cease and desist for them to discuss the account with me and I was not comfortable doing so as whatever they were doing seemed suspect. I just want this information reported correctly. All of the other accounts included are reported as closed included in bankruptcy. This account reports as an open collection account in my XXXX XXXX report only and this score is almost XXXX  points lower than XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2023-02-08
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2021-04-14
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
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 spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

Huntington Bank - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

XXXX XXXX XXXX does not have a number where you can actually reach a person or leave a message. 

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was an apt complex in XXXX, Arizona. I resided in that apt from XXXX and moved out in XXXX of XXXX. I first received a bill for " damages '' that my deposit did not cover and I sent over a payment of {$240.00} on XX/XX/XXXX. About a year later I received another bill roughly in the amount of {$1500.00} for unpaid rent for XXXX of XXXX and for more " damages ''. I than paid another {$300.00} on XX/XX/XXXX only for damages and left the remaining balance to prove my case that I did not owe any past due rent. 

XXXX XXXX claims that I did not pay rent for XX/XX/XXXX and sent my account over to IQ DATA Collection Agency. I sent them a copy of the cashiers check on XX/XX/XXXX showing the amount of {$980.00} made on XX/XX/XXXX from XXXX XXXX XXXX XXXX. It was verified that the check was not cashed until XX/XX/XXXX, which was 4 months later. I have called IQ DATA and spoken with their customer service and with their unit manager XXXX XXXX on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

My last conversation with XXXX XXXX on XX/XX/XXXX, XXXX had told me that XXXX XXXX is denying the proof that I had submitted, which was the copy of the cashiers check and a verification letter from my bank saying that the check was indeed cashed on XX/XX/XXXX. On the copy of the cashiers check that my bank sent me, was a stamp and a signature of the apartment complex depositing the check into their XXXX XXXX account. 

I have contacted XXXX XXXX Apt complex and they told me to contact XXXX XXXX XXXX. I have also tried a few times to dispute this with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Remove fraudulent accounts from 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 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions 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:
My ssn was stolen a few years back and I have had random accounts like XXXX. XXXX pop up over the years which Experian and the other bureaus should clearly be able to see on my account! It is unacceptable that Experian verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in Experian approved and taking next steps to make sure all involved are held accountable!

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 2021-10-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank distributed and serviced by XXXX XXXX California , Inc. Card number : XXXX XXXX XXXX XXXX. 
2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there were 3 fraudulent charges, {$72.00}, {$47.00}, & {$56.00}, totaling {$170.00} all to a shoe store in Massachusetts. I immediately notified prepaidgiftbalance.com at XXXX. After an extended hold I spoke to a XXXX. He gave me a claim # XXXX. He directed me to send my contact info, proof of purchase, copies of the front and back of the gift card as well as my California drivers license by fax to : XXXX. 
I have copies of those documents and fax verifications. 
3 ) On XX/XX/XXXX I faxed a letter demanding action on the claim. 
4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 
5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and call to the fraud unit. 
6 ) After 41 minutes on hold a XXXX asked for the card number, placed me on hold, and then was disconnected. 
7 ) I immediately called back and spoke to a XXXX. She needed to forward to the Fraud Team and she told me I would receive a call back within 24 hours. 
8 ) On XX/XX/XXXX having received no return call, I called and spoke to an XXXX at XXXX who stated that she was a senior fraud representative. She asked me to fax complete documentation including proof of faxes to XXXX, which I did. She told me to allow 90 days to investigate. 
9 ) XXXX! 
I have documentation for all of the above events. I have been stonewalled with their hope I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate. 
As a side note, I did purchase another MC Gift Card that I hadn't activated. After identifying this problem I activated it and to my surprised it was drained down by {$190.00}. Since it was a different I will file a separate complaint. However, the tactics are very similar to this complaint

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2022-10-29
Company: EQUIFAX, INC.
State: CA
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 have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

Company response to consumer: Closed with explanation