BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am writing on behalf of my parents, XXXX and XXXX XXXX who are XXXX and XXXX years old respectively. They received an offer in the mail saying that if they opened a Capitol One 360 account with a minimum deposit of {$20000.00}, prior to XX/XX/2018, they would receive a {$200.00} bonus. I set-up the account for them as they have no computer or access to the internet at their assisted living center. After opening the account on XX/XX/XXXX, I received an email saying that a small deposit would be made to their XXXX XXXX account ( source of funding 360 account ) and that I would have to email them with the date and amount of the deposit. I did this, but watched the account for a few days as it was not showing as being funded. On approximately XX/XX/XXXX I called and was advised that I also needed to set-up a profile for my mother ( the email was sent to my father ) and also say what the date and deposit amount was to their XXXX account. In attempting to do this I had numerous problems as my mother has an old sign-on from 10 years ago and of course does not remember the user name or password. It took many calls into Capitol One, including one where I picked my parents up at their assisted living facility and spend 2 hours and 45 minutes at my house on calls with Capital one 360, the credit card division and the bank ( XXXX representative ). I wish you could listen to the call ... ... it was absolutely ridiculous. Anyway, by the time we finally got the account funded we were past the XX/XX/XXXX promotional period. I explained to the representatives that they could see when I opened and attempted to fund but due to their fraud prevention rules the transfer was not made. I also find it amazing that Capitol one would send an offer to consumers in their 90 's when they have no branches to assist in fulfilled the offer. I told this all to Capitol One and all they did was send a letter back to my parents saying, so sorry, can't break their rules regardless of how old you are. I think this is totally unfair and appeal to you to have Capitol One reconsider. My parents live on a small pension and transferred all money they have into Capitol One. This borders on being a deceptive offer! 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2020-03-09
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a Garnishment Summons that shows a Total Balance Due of {$890.00}, the Judgement Creditor 's Attorney submitted the information for Garnishment after I missed payments according to a XX/XX/XXXX agreement. Which stated I would pay {$100.00} per month on the {$1200.00} balance. I made two payments and XX/XX/XXXX, my wife was admitted to the hospital. I missed payments because of this medical hardship, then had a change in employment on XX/XX/XXXX and I received the summons XX/XX/XXXX. I admit I didn't notify them of my situation because it was a lot to deal with caring for my wife and XXXX children while working full-time and some financial matters fell behind. 
The summons states the following : {$3700.00} Judgement Principal {$3600.00} Credits {$21.00} Interest {$70.00} Judgement Costs {$0.00} Attorney Fee {$630.00} Garnishment Fee {$890.00} Total Balance Due I spoke with representative  named XXXX on XXXX, XX/XX/XXXX from the Attorney 's office and was informed my Outstanding Balance was {$1200.00} according to their records. I asked why the summons stated a lower amount and he proceeded to explain that my XXXX XXXX XXXX XXXX account activity would be frozen until the court date of XX/XX/XXXX. I expressed my confusion on differing amounts outstanding and was told it was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts DEPTEDXXXX XXXX Balance : {$7100.00} DEPTEDXXXX XXXXXXXX Balance : {$3600.00}

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 2023-06-19
Company: American First Finance, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kept getting a call from XXXX 's XXXX plus, telling me i was approved for {$2000.00}., I hadn't applied for any credit. They tell me someone had did online American First Finance. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I first opened my American Express account as an XXXX XXXX member of the XXXX in XXXX of XXXX. I called AMEX to verify I would be covered under the Military Lending Act before doing so and they assured me that as an active service member I would be covered. However, in violation of the MLA I was charged an annual fee. I reported the issue to American Express that XXXX and provided documentation supporting my service. I repeated this effort on several occasions throughout XXXX and XXXX, bringing the issue to their awareness again in XXXX and XXXX of XXXX. Each time they have refused to deliver me additional information regarding why I was being rejecting for the MLA, instead only offering resubmit my application for coverage. According since receiving my card in XXXX I have had to pay over a XXXX dollars to AMEX in spite of the fact that as an XXXX XXXX XXXX I should be exempt from any annual fees. In general, the refusal of AMEX to further evaluate my claims for the MLA has cost me a great deal and I have been left with no recourse but reporting them to remedy the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : 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 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days.

Capital one XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Capital One auto finance- XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: NC
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:
MY CAR WAS STOLEN WITH MY WALLET INSIDE.

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 2023-02-18
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:
As a follow-up to my earlier complaint to have the bogus items removed, I, XXXX XXXX XXXX am submitting this CFPB complaint. I requested the removal of ( personal information, address, accounts name, and account number ) that is UNKNOWN to me in a letter on ( insert date letter was delivered to bureaus ). I just learned about this regulation, and it states that you must delete any accounts or information in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following XX/XX/XXXX. This is something I've already mentioned in my prior complaints, and I'm including it once more. Kindly take out the following as soon as you can : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please erase any accounts and information that were created as a consequence of identity theft, as required by law according to Fair Credit Reporting Act Section 605b, which I have read about.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
was harmed by hard inquiry by the SBA for over 100 points after they said they wouldn't do that. than all the other hard inquiries were unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I tried to update my name and address correctly in Experian.com when tried didnt give me the option to update my correct name or address

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 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also 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 a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been unable to obtain my Equifax credit report for years. I have made countless attempts including hours on the phone and in prior years, I have faxed in requests with documentation to get access. I spent over an hour last night only to be given a fax number that was the phone line! I didn't realize it at the time until I tried to fax this morning. I have only had XXXX names during my life. I have had the same phone number for over XXXX years and been at my current address for nearly as long. I can nail every question they use to verify who I am, but because they have something wrong on their end I can not access, dispute, monitor and have been denied credit. I suspect what they have wrong is related to my name or address. The lady told me last night it is my responsibility to notify the credit bureau when I change my name. I have never notified any credit bureau as such and quite honestly, I am not comfortable sending copies of my driver 's license, social security card, marriage certificates and other requested documents through the mail in one envelope. I work in the insurance industry, and I see claims often for identity theft. I feel like I am handing them the tools to steal my identity by sending everything in XXXX letter. I tried this with social security when I needed to update my name and they said they never received the package, and it had my original marriage certificate in it as required. Now I no longer have it and I was married out of state. Recently I had to request a replacement and it was almost {$100.00}. They have an option to make a request online, but because they have something wrong, I get an error every time and it will not allow me to make my request. I would like a usable fax or email address that I can send them my documents to them without using the US Postal Service. I have documents, but I am not going to attach them because they have my personal information in them such as social security, DOB and other details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was a victim of identity theft back in XXXX where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. In return it caused me to file bankruptcy because that is the only choice i thought i had. The bankruptcy and XXXX account along with another other items associated with the bankruptcy needs to removed because I did not authorize to have my information reported as well as the items in the bankruptcy are not mines and it has caused me a great deal of hardship as I can not get approved for anything. XXXX has already removed the bankrupt from my credit report and i am needing you all to remove it as well.

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