BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX account in 2011. They sent me letters saying they will garnish my wages and im being sued. I have sent out letters to dispute account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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:
Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, XXXX, Transunion, and XXXX to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.

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 2022-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Since XXXX CapitalOne has not properly reversed a check that was incorrectly deposited in a CapOne account. After a month of phone requests, the check shows as reversed but funds have not been sent back to the original institution. I have spoken to reps multiple times and tried escalating but to no avail. Since this money needs to be deposited into an IRA account, I am at risk of additional taxes and penalties. Details below. 

I received a pension fund payout check made out to XXXX XXXX ( my name ) and deposited it via the app into my Capital One checking account by mistake. I should have sent that to XXXX for deposit in my retirement account. Shortly after realizing my mistake, in late XXXX, I called CapOne and asked that the deposit be reversed, explaining that the check was not properly for deposit in my CapOne account but rather for my XXXX retirement account and in fact should not have been accepted by CapOne because the check was made out for XXXX XXXX XXXX ( For Benefit Of ) ( my name ).. 
Over the next month I made repeated attempts -- at least XXXX times -- to get the check reversed, by calling CapOne ; each person I spoke to understood the situation and assured me it would be rectified. Repeatedly it was not. I called and spoke with representatives and their supervisors at least XXXX times from XXXX through XXXX. This was a constant struggle and used a great deal of time -- first holding on a line to speak to an agent, then explaining the situation, being told the funds would be reversed within the next few days and then realizing the funds had not been reversed. The funds now show as reversed in my account XX/XX/XXXX as an " adjustment debit. " In order to get the check properly deposited at XXXX I began calling the Fidelity XXXX XXXX, who originated the check. They have repeatedly informed me that the check can not be reissued since their system shows the original check has cleared and no funds have been reversed back to Fidelity. Unfortunately, if the check is not deposited with Fidelity and then XXXX I will have to pay taxes and a 10 % penalty on the amount of the check. On XX/XX/XXXX, I began contacting a contact name I found of CapOne 's website -- asking that the matter be escalated and again explaining the situation. I am attaching a word document that contains copies of these Emails. Fidelity says they can not help me as the funds have not been reversed to them and the check shows cleared on their side and the funds have not been reversed back to them. 
But the check shows as reversed on my CapOne account. I have contacted the person at CapOne repeatedly for escalation and redress but have not heard anything from CapitalOne to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  BankruptcyXXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX 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 2023-03-03
Company: EQUIFAX, 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:
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. 

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX : XXXX, XXXXXXXX XXXX  : XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXXXXXX XXXX : XXXX 15 USC 1681 section 604 a. States I have a right to privacy 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-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 explanation
Consumer complaint received 2023-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One is refusing to properly review my detailed evidence for a merchant that scammed me by selling me a defective vending machine. The vending machine I received from XXXX did not work or has not worked, since I received it. My electrician concluded that the voltage was too high for the XXXX, standard XXXX voltage is XXXX the machine I received was XXXX. 

Capital One is neglecting the fact that I was misled by the company which has created an extreme hardship for my business and personal finances. 

The merchant claimed that the machine was placed outside and it was not, the machine was moved the same day it was delivered to an outdoor outlet mall under XXXX covered roofs XXXX that is made from cement. The merchant lied about this fact and I also sent them several videos of where the machine was located. I'm attaching an image of my replacement machine that is in the exact same location as the faulty machine I received from the merchant. 

This evidence I provided needs to be properly reviewed. Capital One is being extremely negligent with my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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:
I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to XXXX, XXXX, Equifax, and related companies XXXX & XXXX XXXX  to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX # XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 6 LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance $ XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX2023 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-10-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: GUARANTY HOME MORTGAGE CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 - Home Insurance Paid ( They paid an entirely different insurance company and asked them to not cash the check / ordered a stop payment ) - {$1400.00} XX/XX/2021 - Home Insurance Paid ( Paid my actual insurance company ) - {$1400.00} The money from XX/XX/2021 was never returned to my escrow account. Ive called in every week or so since XXXX asking about my missing money from my escrow account. 

Each time I have gotten a different response ranging from call the insurance company to get your money back ( this obviously can not be done since they paid some other insurance company Im not even aware of ) to the most recent response of we are handling this and the check is in the mail. 

I have now waited days past the time of when the check is supposed to be delivered to me to put back into my escrow. I called back in and the representative said she has no record of a payment being made to me. They are telling me they are waiting on the response from the wrong insurance company they disbursed my money to. 

GHM ( Guaranty Home Mortgage ) owes me XXXX and so far they have gotten away with stealing this money from me and now asking to raise my mortgage payment because my escrow is too low.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My XXXX XXXX XXXX was determined to be a total loss on XX/XX/XXXX. Ive made several calls to Hyundai Finance asking questions about the total loss process with issues at each step. Including several requests to show me what they use to determine what balance is owed to make it even or refund/GAP insurance uses and these requests always were ignored including my email on XX/XX/XXXX and XX/XX/XXXX to the email address XXXX. 
Ive been told Im not allowed to speak to this department and customer service cant answer questions, they can only send an email and then it is up to me to follow with the customer service department to see if the total loss department responded. They dont respond then either. 
I was initially advised my refund check would be {$1400.00} on XX/XX/XXXX by customer service. I then called back on XX/XX/XXXX to check the status and was advised the payment was now {$970.00} because a deductible was applied and that shed never seen this so would submit an email to them to ask about this. I followed up on XX/XX/XXXX and was told they had no answers for me, that a deductible is applied for the GAP insurance whether its used or not and they couldnt tell me more. I asked for documentation that showed they had this right because in my contract documents it didnt have this language. I was on this call for 40 minutes when the supervisor disconnected the call and did not call me back. I sat on hold for an additional 15 minutes to speak a new representative who offered to help but after all the time I had wasted, I requested that the initial supervisor and/or her supervisor contact me back and was told hed submit the request and it should be completed within 24-48 hours. I never received a call, email or letter from anyone. I called today, XX/XX/XXXX and they advised the check was finally sent to me on XX/XX/XXXX - XXXX weeks later but still for the {$970.00}. The supervisor ( XXXX XXXX ) stated all he could do was send an email requesting the total loss department send me documents about this deductible but he didnt think they would, a request was already sent from my last call that they never responded to and that that was all he could do. He could not hold that department accountable, escalate the situation or even let me speak to his supervisor. If the GAP coverage wasnt used, I do not understand how they can apply a deductible to the refund issued. Separately that they have ignored consumer requests for documents to confirm this seems like bad business practices and failure to comply to consumer rights.

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 2020-01-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived. 
Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c XXXX the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from XXXX XXXX, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by XXXX XXXX, and not only, since 2019!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT.

according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

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