BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX  later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XX/XX/19 for {$270.00}. This is for a website called XXXX. I cancelled this. XXXX  does not have a problem giving a credit back on the card but they don't see the charge. Now I am stuck with a credit card bill for {$270.00} that I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2023, I spoke to Capital One representative about my credit card account. 

I explain to Capital One representative, that due to financial hardship I need help reducing interest added to my Capital one account. 

Capital One representative offered me a program for three months that will be interest free as long as I pay the minimum balance of {$52.00} on or before due date. 

My XXXX statement show Capital One added interest ( {$37.00} ) to my credit card balance, despite forbearance program I accepted in XX/XX/2023. 

I shouldn't have received interest added to my credit card balance due to forbearance program I accepted, when talking to Capital One representative on XX/XX/2023. 

If Capital One claim all calls are monitored, it shouldn't be a problem finding the conversation I had with their representative in XX/XX/2023. 

I have pay on time and have giving more than the minimum balance of {$52.00}. 

In addition. Capital One has not been good giving actual report of my credit card balance to The Three Credit Bureaus. It's Unfair. Not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I 've been a loyal Capital One cardholder, on and off, for very close to XXXX years. I was very surprised and upset when I recently discovered that all XXXX of my active capital one credit card accounts were placed on restriction by the capital one fraud dept. After speaking to a fraud supervisor, I was informed that unless I provide the drivers license and social security cards for all authorized users that I have ever added on my accounts from their inception ( Spanning Over 6 years ) including those that have been DELETED from my accounts, My existing accounts will remain restricted. This was really a death blow to me as many of the authorized users I 've added in the past are no longer in my life and have since moved on. And as for the more recent users It would feel really odd asking them for this information way after the fact, especially being that I was never made aware that this was a requirement of Capital One. If I would have been made aware of this require beforehand, I would have gladly obliged, so I 'm really not sure what I possibly could 've done wrong. I followed ALL of the written policies provided to me by Capital One when it comes to adding new users to my account, and I am fully aware and take full responsibility for the purchases that would be made on my account by an authorized user, so I ca n't understand why I 'm being penalized and treated like a fraudster? I have never been late in over 6 years or missed a payment so why this happening to me is really insulting. 

Over six years of adding and removing authorized users, Capital One has never once asked me for identification documents from authorized users up front, or during the period in which they were on my account. I followed all the guidelines concerning adding and deleting authorized users found in the capital one customer agreement. So again this is really baffling and I do n't understand why I 'm being punished. The revised customer agreement indicates that they " may '' require certain information of the authorized users, and they " may '' limit " their '' ability to use the account. It says limit " their ability '' not my mine. I am ok with Capital One obtaining information beforehand when adding users, but in my case I was never told ANYTHING. Instead I was blind sided with a restricted account that is now causing me more harm than good. I am really worried how my credit is going be affected by this, as my available credit is going to be reduced significantly. 

To add insult to this injury I have yet to receive a straight answer from them on why this information is needed. I was informed this ca n't be " discussed with the account holder ''. I was under the impression this is MY account, and if the problem was that SERIOUS, I should have the right to know. After being loyal to Capital One for so long, and being a responsible cardholder, I would hope they will reconsider their actions and un-restrict my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  Account # XXXX and # XXXX and # 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 : Also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX   XXXX/XXXX XXXX XXXX partial account number XXXX. XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The consumer reporting agencies XXXX, Transunion, and XXXX or The CRAs is willfully noncompliant in blocking false misleading reporting at my request. I sent The CRASs a notarized litigation hold notice on XXXX ( see attached file ) and it was received and signed by an agent. The CRAs failed to send me the demands I demanded inside the notice ( see attached file ). Without this information being sent to me, the accounts in question are indeed unvalidated, being fictitiously reported, and should be blocked immediately until The CRAs can validate the information they voluntarily furnished. Along with my hold notice, I informed The CRAs that I dont consent to generic responses, notice to one is notice to all, and they had 4 days upon receipt to block the false misleading reporting ( see attached file ). Now, The CRAs are in violation of 15 USC 1681c-2. Experian also sent me a generic response that displays their noncompliance toward this ongoing issue ( see attached file ). This is a block request, not a 30 day dispute. The CRAs are failing their grave responsibilities by reporting with partiality. I demand these unvalidated accounts be blocked until the proof of my obligation is validated. I will now state that along with my hold notice, I included my proof of identity, a clear representation of the fraudulent accounts, a Identity theft report from the FTC, and a clear & conspicuous section stating my demands ( See attached file ). If the CRAs comply with my demands, they will prove that the false reporting is unlawful and being willfully reported.

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 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct 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 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 2023-04-15
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: Investigation took more than 30 days

Complaint:
XXXX XXXX was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?

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 2017-05-10
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On  XXXX   XXXX ,  2017 , I signe d up ( o n-line ) to join the  XXXX   XXXX   XXXX   XXXX . I was expecting a bill and a membership card in the mail. Instead, I was signed up for a credit card with Comenity Bank. In  XXXX , I started getting collection calls from Comenity bank. They told me to contact  XXXX   XXXX , who told me to contact Comenity Bank and round and round about  XXXX  times.     Next, I asked the collection callers to open a dispute. They said the form would come in the mail. It did not. I asked them again and they emailed it to me. I kept them on the phone while I filled it out and mailed it. Now the dispute is closed and they ca n't seem to explain why, except they still want money from me and the collection is still on my credit report.     They have wasted hours and hours of my life. I have attached the initial emails from the club, welcoming me as a member and giving me a membership card. No mention of a credit card ... I 've also attached the first emailed notice from Comenity bank, just sent yesterday. All other contact from the bank has been by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report 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

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 2019-11-21
Company: Bass & Associates, P.C., Attorneys at Law
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan was originally provided through a company named XXXX ( XXXX XXXX XXXX XXXX ). I approximately began getting garnished back in 2018, at that time I received a letter from a separate company than whom is now receiving the funds. There was a period of time when I was being garnished at a different rate and it stopped without notice and began back at a different interest rate/amount bi-weekly seemed to be based off of my Gross Amount earned. I have been contacted by the company Bass & Associates who has not provided me with any information concerning the Loan, and will not share terms of the loan, including a current balance owed. At the time I reached out to XXXX   the Representative insisted that I set-up an account unknowingly of the terms or circumstances that I would be subjecting myself into, after already knowing I have paid approximately {$7000.00}. At some point in conversation I was told that I had a 0 % interest rate with a balance of {$5000.00} with no proof of statement or explanation of terms. The Customer Service included no empathy for the simple fact of speaking to an individual about what is supposed to be my information yet, I have no insight on what I am being demanded to engage in and agree to, also my income is being decreased significantly and it is out of my control. I am not saying and putting up an argument that it is not due, my argument is that I have been paying into this loan and actually have no idea where the funds are being paid to and with no information, a balance or know the terms. According to my Credit Report this debt is showing as Closed and over a course of the years the interest rate continue to increase. I am requesting help in Customer Service and equal opportunity from this company of knowing my obligations to be able to not let this affect me in ways of financial and health related stress. I look forward to getting this process reviewed and initiated with an update of the progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX

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