BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
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: Account information incorrect

Complaint:
On approximately XX/XX/2021, I sent a letter to Experian to dispute two accounts which were XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX that were not supposed to be reported. As the consumer, pursuant to 15 USC 1681b ( a ) ( 2 ), I have written instructions on how I wanted my consumer report to delete referenced accounts. A couple of days ago I received with one of the accounts in question removed but not the other one because of the validity. However, as the consumer I am the only one who can say what is valid or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: AFNI 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:
AFNI, INC. collection for a XXXX account : Have notified XXXX that it is identity theft/fraud as the XXXX charge that is in the hands of the collection company AFNI is not ours. We have NEVER had a XXXX account of any kind. We discovered this on our credit report yesterday XX/XX/XXXX in discussion with a mortgage lender who sent us a copy of it. 

We have never been contacted by anyone regarding this despite it showing as going back to last year XXXX, and have no knowledge of it, as we ever incurred a debt to XXXX. 

Have tried repeatedly to reach AFNI by phone without success. Left on hold in voice system without anyone ever picking up. Took photos of the phone face showing staying on hold anywhere from 13 minutes to a half an hour each time before giving up and hanging up. 

Have emailed the company as well from their site, with no response. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX, my address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, my cell # is XXXX. I am a customer at the Capital One Bank in XXXX XXXX location. My father passed away and I am the only ( one alive ) beneficiary on his bank account. He has a large amount of money at Capital One bank in XXXX XXXX. This branch doesnt have customer service. I had to go to a teller, and XXXX the teller, submitted forms that I had to sign along with death certificates which were faxed to the legal department. These matters are only done by their legal department via email and phone. After several emails since Mid XXXX, I didnt get any response, so I called the legal department only to find out Your fathers account has been closed, but I didnt receive a check. The customer service person in the legal department, just kept repeating that without any explanation as to why. So I went back to the XXXX XXXX branch. Since all services are done thru the tellers window, I had to stand on a long line for over 30 minutes, then at the teller window for over 1 hour so they can locate my fathers account. I have a XXXX XXXX and standing causes XXXX XXXX. The teller finally did find the account. Apparently the legal department placed my fathers account under my name and closed it out under his name. But no check was issued to me.After more then a week, I then had to go back to the bank because I did not get any response or a check still. I was told by XXXX the teller that they needed again the death certificates of my father, mother and brother as they are all listed on the account, but all passed away. Again I gave the teller original death certificates to send to the legal department. Still no response a week later. My lawyer XXXX XXXX XXXX, XXXX  XXXX ) even contacted them, but no response to him either.. This is also holding up my fathers estate. My calls, emails and trips to the bank is doing nothing. I also have a large sum of money in this bank. Im concerned that something will happen to all this money. Because there is no reason for this bank to not release the money. Please help me receive the money my dad worked so hard for and that belongs to me so we can also finish the estate. I dont trust this bank. The bank is robbing me. Capital One contact information is : Bank XXXX XXXX Account Ambassador ; XXXX, Customer Service Phone : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: Was not notified of investigation status or results

Complaint:
I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I made a payment of {$290.00} on My CapitalOne Card. Usually the payment is posted and available within minutes. I use this card with XXXX pay on my phone. After several days of no available credit. I called customer service. I was told my funds would be held for 26 days. I asked why, I was told CapitalOne has the right to hold payments at any time for any amount of time per Federal credit card guidelines. I asked again what did I do wrong. They could not give me an answer. My money is being held XXXX. Because of this I have incurred overdraft charges in my bank account. I feel like I have been singled out for some reason. Also, approximately a month prior to this I made another payment for {$130.00}. The second I clicked ok for the payment a XXXX block popped up and said your account is locked. I called customer service. They needed to verify that it was me making the payments. I have used the same account for every payment I had to spend 2 hours on a three-way call with Capitoline and my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 is 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax changed my first and middle name without a request from me or my permission. I have never changed my name nor do I use aliases. They had a data breach in 2017 which appears to have resulted in mixing my file with another consumer 's file. I first found out when I had to pay a double deposit to rent an apartment, something I've never had to do. Following this, I requested a copy of my credit report that included this other consumer 's SSN, date of birth and first name. His debt with XXXX XXXX still presently shows on my Equifax credit profile for {$250.00}. I confirmed the debt belongs to this person with both XXXX XXXX aka Spectrum XXXX my current cable/internet provider ) and the collection agency holding the debt, XXXX. XXXX confirmed the debt showing and the name are from Alabama, a place I've never lived. I've called Equifax on more than 40 occasions to correct their records without any assistance and repeatedly refusing me information about when the changes occurred and how. They've also told me a creditor can change my bureau information without my consent, which I think shouldn't be allowed, especially since they refuse to disclose who did it and when. On my last call with them, one of their agents confirmed having a copy of my SSN card and and TX license on file since 2017 but refusing to use them to correct my name in their system. The debt in this person 's name has resulted in higher interest rates and paying more for credit. They've also not correctly handled the disputes for the erroneous debt showing on my credit. Whenever XXXX attempts to correct the information, they encounter the name issue and assume accuracy. I'm at my wits end. Equifax is the only bureau showing my name this way. Consequently, my score with Equifax is 20 points lower than all other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct Name Acct # 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-03-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
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 had an ongoing issue with Nissan Motor Acceptance XXXX since this origination of this Lease with the XXXX XXXX XXXX. It seems that they continue to try to damage me and my credit worthiness. I've tried on multiply occasions to work with them, from them placing the wrong amount of miles on my lease to repossessing a car which I tried to return to them at their dealership, to not explaining taxes correctly and how they are paid with the lease to sending me a bill for over {$6000.00} and then damaging my credit. The account ended up with XXXX XXXX XXXX which I finally agreed to settle with a 2 payment plan XX/XX/XXXX and XX/XX/XXXX and they have yet to send me settlement confirmation letter. I struggled to make these payments and placed my mortgage on hold to make this go away. The first payment, processed a little early so we had to reschedule it so we agreed managed to agree to same terms. However, we got it done and still I haven't heard from the representative or Nissan to say that it was complete. During this time, Nissan was still sending me statements showing I owed money and I was working with XXXX XXXX too. Long story short, I paid XXXX XXXX 2 payments of {$1200.00}. Nissan is still reporting that I owe money to them so when I called to follow up I explained that they are do a subpar job of following up with their Agency on my account and that they are damaging my credit and I asked who is responsible for updating my credit? The representative stated he didn't understand my question. However, I know who should and they have dropped the ball again. I advised then that I would be making another complaint about the mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information that is being reported on me is false. I have tried contacting the comapies to gain more inforamtion about the accounts that were opened over the phone or online. I never opened the accounts listed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2021 I filed a dispute with Transunion regarding the multiple bankruptcies with similar filing dates that they are reporting. They responded that XXXX verifies and validates the public record information that they are reporting. Around the same time I called XXXX and they were unable to locate a file matching my name, dob, and address. They also advised that they download data from XXXX XXXX XXXX that does not provide social security numbers, and dates of births. XXXX stated that Transunion is responsible for matching this data to date in their credit file to ensure the accounts are reported to the correct person. I have asked XXXX  multiple times how they verified and validated that these bankruptcies belong to me without using my social security numbers. They responded that they verified this information with the US Bankruptcy Courts. Please see the attached letter from the US Bankruptcy Court showing that Transunion lied and did not actually validate or verify the information they are reporting. In fact they fraudulently reported inaccurate information knowing they never actually verified this data.

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 2021-06-17
Company: AMERICAN EXPRESS COMPANY
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 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 2023-06-14
Company: EQUIFAX, INC.
State: SC
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 sending this complaint in response to a notification on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report are incorrect. 
DEPT OF EDXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
My name is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 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 contacted Equifax to dispute fraudulent inquiries. I submitted the FTC report they requested. 
As you can see they still have not deleted the XXXX inquiry even with the document stating they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One denies my request for gold spark business card because it inaccurately report wrong score status t o get card. CAPITAL ONE CREDIT WISE SAYS I MUST HAVE FAIR CREDIT. CAPITAL ONE WISE REPORTS I HAVE FAIR CREDIT BUT STILL DENIES MY REQUEST SAYING I HAVE POOR CREDIT AND I DONT. This request has the documents from credit wise by capital one which states I have fair credit but I was still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Aldous & Associates, PLLC
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: Investigation took more than 30 days

Complaint:
On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation