BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit 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:
Capital One Bank retaliated against me because I recently filed two complaints against it with the CFPB. My credit limit has been {$1000.00} for a long time. Currently, as of XXXX XXXXXXXX. today, my account online shows a balance of {$91.00}. Thus, I should have Available Credit of {$900.00}. There are NO pending transactions. Yet, Capital One, without reason, reduced my Available Credit to {$99.00}, as of XXXX XXXX today. Thus, Capital One intentionally, arbitrarily and maliciously reduced my Available Credit by {$800.00}. With no new purchases and no pending purchases, there is no reason - other than RETALIATION- for Capital One to have reduced my Available Credit. When I called Capital One, their representative said that it was correct without willing or able to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: WELLS FARGO & COMPANY
State: NC
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:
In XXXX of XXXX I was alerted by XXXX XXXX XXXX XXXX XXXXXXXX XXXX  that a mortgage in forbearance was on my credit report that was pulled in our home refinance process for a home I shared with my new spouse in XXXX, XXXX. I was asked by a home preservation specialist there to agree to sign for a special loan made to cover payments not made by the property owner. I refused to commit to a new loan and showed them the quit claim deed dated XX/XX/XXXX, and the separation agreement signed by XXXX XXXX and myself on XX/XX/XXXX, that is of record in XXXX XXXX XXXX  where my former spouse agreed to take on the house mortgage since he wanted to keep the home and I was moving to XXXX. When I later moved back to XXXX  with my new spouse and purchased a different home, the loan did show as still on my credit report, but once I showed them that same paperwork, they determined to disregard it. I did not hear from Wells Fargo again on the issue until this XXXX of this year ( XXXX ) when I received notices from the bank 's law firm that the house had gone into foreclosure. The owner ( XXXX XXXX ) had been taken into and currently remains in police custody on an unrelated matter as of XX/XX/XXXX as well. I presented this paperwork to contest the Wells Fargo Loan appearing on my credit report to XXXX and XXXX and I received a notice from XXXX dated XX/XX/XXXX stating : " We have researched the credit account. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX. '' Then I received an electronic statement today ( XX/XX/XXXX ) that states the information has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never kept the XXXX XXXX and returned all equipment in working order in the time frame allowed for a full refund. I do not owe anything on this account, it was closed within 30 days of opening with all equipment returned. This is not a valid charge or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: General Motors Financial Company, Inc.
State: WA
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 am a victim of identity theft. The following accounts were 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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 30 days 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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: Investigation took more than 30 days

Complaint:
ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX   XXXX  XXXX Experian Informations Systems TrustID  All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS

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 2023-10-03
Company: EQUIFAX, INC.
State: AL
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
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:
You are receiving this letter because I over looked my Consumer Report and you are furnishing a few accounts that I dont recognize and/or believe are inaccurate. I assume that you have verified the accuracies of the accounts/items that prior to you furnishing the items on my Consumer Reports. I will need to provide me proof of the documents that you have verified the accuracy of all of the accounts I disputed. 

Pursuant FCRA, 15 USC 1681g, my right to demand that you disclose to me any and all of the documents that have been recorded and retained in all of your files at the time of my request concerning the accounts that you are furnishing on my Consumer Reports. 

I submitted these letters on XX/XX/2021 and I have not received a letter back from them and its been over a 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have proven that these accounts do not belong to me and that the information is not accurate and the companies continue to place in accurate information on my personal credit file. I have no other choice but to try to rectify this false informations being reported on my personal credit file.

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 2023-10-17
Company: Select Management Resources, LLC
State: KS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I asked several employees from this company if I pay off my principal, will I still be charged interest on the balance. I was told no by every employee I encountered. In fact, they tried to make me feel XXXX for asking such a question. My purpose for paying just the principle at the time was to stop the high interest I was accumulating. Once I paid the principal, I would then just focus on the balance without having to worry about interest. Once the principal was paid which was XXXX dollars, about a week or XXXX later, I received a letter in the mail stating my balance plus INTEREST! The interest was approximately the same amount as it was before I paid off my principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For account number XXXX. 
I made 3 disputes for the same transaction ( XXXX, {$790.00} ). Each time the dispute was closed for reasons not relevant to the original issue. I resolved the issue myself with the merchant with a full refund. However, my complaint with USAA is that : 1 ) I believe USAA is closing complaints without investigating or reading complaints. Each time the complaint was closed with a reason that did not address the original issue. The first dispute was closed because they said a billing error had not ocurred. However my complaint had to do with the item not being recieved - I recieved it 2 months after the order. 
The second dispute was closed with an incorrect amount - I returned the item and never received a refund. They closed the dispute because they said they sent me a form that I did not recieve or was otherwise unaware that I recived. 
The third dispute was closed due to the timeframe having elapsed- however I had filed 2 previous complaints at this point. The fact that the merchant did not send me the item until after 60 days is not my fault. 
2 ) I asked USAA to create escalated complaints several times, however I a complaint was filed nor investigated as I asked to be contacted by a manager, which never happened.

3 ) I was offered to speak to the customer resolution team, however I was put on hold for 30 minutes. I hung up. This is poor customer service and is resulting in customer complaints not being heard. 
4 ) I called XXXX  myself and they refunded the money on XXXX XXXX XXXX

FYI, I am a bank regulator with the federal government ( although I am not involved with USAA in any way other than as a customer ), so I know how banks should operate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXXXXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX-XXXX and Account Name : XXXX, Account 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: PA
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:
As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, XXXX and Experian. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. 
-Sent dispute letters XX/XX/XXXX and still have errors on my report. 

15 USC 1666b late payments from open ended credit plans cant be reported. 
-Dispute was to remove the late payment which wasn't late but still have not fixed it. 

15 USC 1681 ( B ) must have written permission to furnish on my behalf. 
-Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages.

-Have n't been able to purchase a house due to error on my consumer report. 

15 USC 1681 ( a ) ( 4 ) right to privacy.

-Did not give consent to repost items to consumer report.

15 USC 1681 ( b ) must follow reasonable procedures. 
-Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 

15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. 
-Items was reported that i used my social to obtain. 

15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Inquiry on Credit Report XXXX has not been removed after Capital One contacted me on XXXX and I confirmed it was not me who applied for credit. Was verified it was identity theft/fraud. XXXX advised it would take 60 days for Inquiry to be removed. Contacted Capital One on XXXX to inquire why it was not removed told it could take up to 90 days. Contacted Capital One again XXXX was told will expedite within 15 days. Contacted Capital One once again on XXXX XXXX from Dispute Escalation dept. stated would send message to last Fraud manager working case to address immediately and to wait 5 days. Later on XXXX received call from XXXX from Fraud & Dispute Resolution advised inquiry would be taken off on next cycle to CRA 's on XXXX. Contacted Capital One on XXXX manager XXXX now says I must send in a detailed letter explaining the situation. Again on XXXX manager XXXX stated same as last agent to send in detailed letter. I submitted previous complaint about this situation and reply was that agent showed it was taken care of and inquiry was removed. To this date XXXX inquiry has not been removed. XXXX advised for me to get letter stating it was Fraud from Capital One and they would remove it. Capital One refuses to give such a thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: OLIPHANT FINANCIAL, LLC
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 continue to ask XXXX to update status as paid/settled on my credit report and they continue to give me the run around... I paid this account off with XXXX XXXX on XX/XX/23 and I continue to ask XXXX to update the information as such and they will not.. I have placed this account in dispute over 10 times and keep getting the same results... I settled in the amount of {$310.00} and have mailed and faxed in paid letter documents and XXXX XXXX removed their trademark from my credit file back on XXXX thanks. 
I also have a complaint with XXXX XXXX in the same fashion... I paid/settled this account with XXXX XXXX XXXX on XX/XX/23 in the amount of {$190.00} and have placed this account in dispute at least 5 times and they continue to say that this account is being reported accurately.. I have sent paid documents by mail and over the 3 major credit bureaus and they still have not updated the information to my credit file as such... The collection company has sent over information that this account is paid and they have yet to update the information on my credit file .... Thanks... 
I also have a complaint with Oliphant collection agency for a HQ shopping account... I have also asked them to update the status on my credit file that this account is paid/settled on XX/XX/23 in the amount of {$230.00} and have sent over documents and disputed this account as such and they have yet to update on my credit file ... Thanks. 
I also have a complaint with XXXX XXXX XXXX  for XXXX XXXX Credit Card ... I paid/settled this account on XX/XX/23 in the amount of {$290.00} with XXXX XXXX XXXX and have placed this account in dispute over 5 times and sent disputes via US postal service and XXXX XXXX XXXX has yet to update my credit report as such ... .XXXX credit services have since deleted their trademark from my credit file with all 3 major bureaus but Bank of Missouri has yet to update my credit file... Thanks... 



I also have a complaint with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ... I have placed this account in dispute with all 3 major credit bureaus at least 5 times and have sent in dispute via US postal service and they have yet to update the status as paid/settled... I paid this account off on XX/XX/23 in the amount of {$280.00} with XXXX XXXX XXXX .... XXXX XXXX XXXX have since deleted their trademark from my credit file with all 3 major credit bureaus but XXXX XXXX XXXX has yet to update my credit files..Thanks..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Colony Brands, Inc.
State: MT
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 following accounts were 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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:
I have been writing to all three credit bureau 's to get a Bankruptcy off my credit report that the credit bureaus keep stating that it was verified. I have sent them multiple letters since XXXX asking them to validate the information that is being reported on my credit report. Actually, I have sent them a letter or two every month. XXXX  and Equifax haven't responded to my letters to verify the bankruptcy. 

I also have sent the three credit bureau a letter from the bankruptcy court stating that the bankruptcy wasn't verified by the bankruptcy court. I wrote them back supplying them with the letter the bankruptcy court supplied to me that states that they do not report to any third parties or credit bureau 's. XXXX stated that the bankruptcy was verified. As of XXXX of XXXXit will make a year that I have requested the three credit bureau 's to remove the bankruptcy off of my credit report.

Company response to consumer: Closed with explanation