BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
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:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I informed USAA via email, fax ( XXXX ) XXXX and 1st Class Mail on, XX/XX/2023 this is my official notice that I cancelled my USAA checking account with your USAA Federal Savings bank, effective immediately before XX/XX/2023. 

I also changed my Direct Deposit from the Veterans Administration portal from USAA to another financial institution prior to receiving my VA Compensation deposit on XX/XX/2023. 

USAA is in direct violation of the Automatic Stay pursuant to : Bankruptcy protection XXXX XXXX XXXX XXXX. : XXXX filed XX/XX/2023 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Kriya Capital, LLC
State: MS
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 am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX RE : A/C # XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX To Whom It May Concern : I opened the above-referenced account on XX/XX/XXXX while establishing a correctly titled attorney trust account. 

The representative from your XXXX XXXX branch offered a new VISA card and informed me that I would receive {$300.00} after spending {$3000.00} within the first three months. It sounded too good to be true but I accepted the offer and spent the required amount within the specified period. Unfortunately, I now feel that I was conned. 

Last week, I spent 45 minutes on the telephone with five different representatives from your credit card division. Three of them transferred me to people who just disconnected me after hearing the story. Needless to say, no one called me back. 

Unless you promptly pay me the {$300.00} rebate promised I shall be closing all of our accounts at Wells Fargo and will pursue appropriate further action to compel you to honor your commitments. 

Very truly yours, XXXX XXXX XXXX XXXX cc : Bureau of Consumer Financial Protection

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 2022-11-24
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( 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. 

XXXX XXXXXXXX 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
Consumer complaint received 2021-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I applied to SBA for the PPP loan on or around XXXX of this year. I was approved by the SBA and had my funds sent to my Capital One Bank in the beginning of XXXX. For some reason, Capital One Bank said that they were not allowed to distribute the funds and I needed to contact SBA. I contacted SBA and they had no clue to what Capital One Bank was claiming. SBA verified my approval and the funds sent to Capital One Bank. I relayed the information to Capital One Bank and to this day Capital One Bank refuses to release my funds. The last conversation I had with Capital One Bank was that they were going to send the funds back to the lender. It has been over two weeks and they have yet to do so. I am responsible for paying back a loan that has nothing to do with Capital One Bank and is not in my possession. I have had several conversations with many representatives from Capital One Bank and requested their actions in writing. They have yet to send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
I received a couple mailed notices and emails stating that they required a physical address to not have my account restricted. Today XX/XX/2021 I contact Capital One only to be xferred 5 times and told without them being able to get a copy of my drivers license they would not be able to update my address or phone number. I will not provide them with my drivers license as they already have all of my personal information. I was not able to use my card at the store as it declined due to me not giving them the physical address that they state is a requirement of the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
At XXXX XXXX on XX/XX/2021 I received a call from a number I wasn't familiar with. The lady on the phone asked for me by name. I asked wgo she is and where she was calling from..she gave me her name but no business name ... she wouldn't give me the name of her business..she just kept asking if I was XXXX. She even insisted that they have spoken with me before..I asked a THIRD TIME for the company name ... at this point I told the representative that when asked the name of her company, she HAS to give me the name. She then said " nevermind '' and hung up on me ... I called the number back and the answered buy a different name then hci ... I talked to a rep and explained what happened and told her its and fdcpa violation and she snickered like I was wrong ... I asked for their dept that handles these types of violations and the said they have no such dept..and they have no ways of handling these types of complaints. I have called them several times to ask them how the handle these violations and none of their reps can answer me other than giving me another number to call to speak to a " manager '' ... I am appalled that there are collection company still allowed to break with the fdcpa laws..and have no repercussions ... something needs to be done here..this is completely illegal behavior..THEY DID NOT SWEAR AT ME ... but I selected the 'communication option ' as they broke the law by not giving the name of their company when asked three times and hanging up on me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX XXXX {$21000.00}

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 explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Case # XXXX, XXXX XXXX employee # XXXX Case # XXXX, XXXX XXXX employee # XXXX Capital One has daily wire transfers limits to a title company for up to $ XXXX for real estate transactions and only $ XXXX to a business or individuals. If the business is another bank in order to pay down a mortgage, this does not meet Capital One 's definition of a real estate transaction and the $ XXXX daily limit still applies. No exceptions. 

It was never made clear, after multiple requests to XXXX, why a title company poses less wire fraud risk than a bank. I attempted to seek an exception to this rule as it seems onerous to consumers to pose lower limits to another financial institution and potentially unfair and deceptive and may qualify as a violation of UDAAP. 

This limit or differentiation of potential limits based on wire type is not included in opening account disclosures, which seems deceptive : Here : https : //www.capitalone.com/bank/disclosures/rules-governing/ Here : https : //www.capitalone.com/bank/disclosures/wires/ The following resolutions were provided : - Send three separate wire transfers on three separate days to achieve sending $ XXXX and pay the {$30.00} wire transfer fee three times for a total of {$90.00}. Unfair, given that my request would cost {$60.00} more if a title company was involved as opposed to a bank. 
- Request a cashiers check which would take a potential of three business days to arrive.

I ultimately requested to receive the cashier 's check, but will have to pay an additional three days ( plus two days on the weekend ) interest on my mortgage because of this unfair and deceptive practice which will cost me an additional {$190.00} in mortgage interest. 

I will be ending my over 10 year relationship with Capital One because of this discriminatory and potentially non-compliant policy. I have also requested that this be reviewed on backend by Capital One which they explained would take 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2021-07-31
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Action taken by company : XX/XX/21, XXXX XXXX XXXX, I received a letter from CACH , LLC on XX/XX/21 Received a letter from this attorney office with an original Creditor acct # ; stating that I have an account that they purchased. I don't know of this company, XXXX XXXX XXXX nor purchased anything from XXXX XXXX XXXX. My personal information was jeopardized from my work and also by XXXX. CACH , LLC purchased a XXXX XXXX XXXX balance : XXXX ; offering XXXX to resolve debt with account from XXXX XXXX XXXX XXXX and has been placed with CACH , LLC agency. 
CACH , LLC letter states : Unless I notify the office CACH , LLC, within 30 days after receiving this notice that I dispute the validity of the debt or any portion thereof, there office will assume this debt is valid. 
If I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification. If I request from CACH , LLC office in writing within 30 days after receiving this notice, CACH , LLC will provide the name and address of the original creditor, if different than current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: IL
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:
Please see the following accounts appearing on my credit file by XXXX, Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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 explanation
Consumer complaint received 2021-07-31
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Due to the pandemic, my business revenue fell to nearly zero early and mid 2020. I contacted all creditors to make payment arrangements. During this time the Cares Act obligated creditors to report accounts as current ( or not to report any delinquency ) during the pandemic as long as I was in touch and worked out arrangements. Which I did with all creditors. However, three creditors DID report delinquent payments on my XXXX  and XXXX  credit reports, significantly impacting my rating and score.

These three creditors include XXXX, XXXX, and Wells Fargo. When I found this out I disputed the incorrect data directly with Transunion and Experian. They did not take any action to correct it. Then I contacted each one of the credit card companies to ask directly to correct these mistakes and NONE of them have gotten back to me. They have not even responded on way or the other. This has been over the past few weeks. I have not received any letters or emails with a resolution. Since conversations about this were by phone, I do not have any documentation directly from the credit card companies other than the data from them my XXXX  and XXXX  credit reports. 

Specifically, XXXX reported me 30 days past due on XX/XX/2020 on both XXXX  and XXXX. XXXX reported me past due on XX/XX/2020 on both reports. Wells Fargo was the worst, they reported me XXXX past due for three months in a row : XX/XX/2020, XX/XX/2020, and XX/XX/2020 on both reports. My XXXX  report is correct and shows no erroneous reporting.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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