BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my credit card in full with Captial One on XX/XX/20 the bill was due on XX/XX/20. At XX/XX/20 The company charged me interest on the amount I paid off so I called them to rectify the situation. I was told since my statement says " If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance ''. I was told " each month '' was the key word and that since I did not pay off the bill in full for consecutive months I get charged the interest for every day I had that balance prior to paying it off. The statement used the ambiguous terminology of " each month '' which sounds like each month you have a chance to pay the balance in full to avoid paying the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America took money out of our checking account because they paid XXXX, which was a closed account that was my sons account. He had called them to tell them to stop the automatic, reoccurring payments. They did not listen and took the money out of our account because he had already taken his money out and opened up a new account. My son and I do not have the same account I signed for him when he was XXXX or XXXX XXXX XXXX so he can open up an account. I have nothing to do with his bank account, nor do I have anything to do with XXXX or anything else having to do with any of his financial situation. Thats illegal. They can not take money out of our account when they are XXXX separate accounts. And they did not notify my husband or myself before they took the money out of our account. The letter was sent to us yesterday which wouldve been XX/XX/XXXX. The transaction took place on XX/XX/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 explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent over 5 letters for Experian credit bureau to remove addresses that are on file that Ive never lived and are also business addresses and they are removing 1 at a time per letter or they will just update the addresses instead of all of them and Im tired of playing mailbox.

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 2021-04-14
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:
I reviewed my credit reports with TransUnion, XXXX  and XXXX  and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Credit Bureau never replied within 30 day od this investigation, this is the case number. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX The car engine blew and the company XXXX want to fix the vehicle which was under warranty. 
your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 hope this letter finds you well. I am writing to express my dissatisfaction with the handling of my previous complaint regarding the late opening of my accounts with Credit Bureaus. Despite my initial complaint and the promises made to rectify the situation, I am disappointed to inform you that the issue remains unresolved. 

As previously communicated, I opened an account with your company. However, I have encountered significant delays in the activation and access to my account, which has caused considerable inconvenience and frustration. 

I must emphasize that this delay has caused me significant inconvenience, as I had urgent financial transactions and business matters that required immediate attention. It is unacceptable that the matter has not been resolved despite my repeated attempts to seek assistance from your company. 

I kindly request that you take immediate action to rectify this situation. I expect a prompt resolution to the issue, including the activation of my account and access to all necessary features within exact timeframe. Additionally, I would appreciate regular updates on the progress of this matter to ensure transparency and accountability. 

If my account is not activated and accessible within the specified timeframe, I will have no choice but to escalate this matter further, including seeking legal assistance to protect my rights as a customer. I believe that such actions should be avoided, and I hope we can resolve this issue amicably and promptly. Please assist me to correct the following late open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
7719 BRIDLE PATH CIR FREDERICK, MD 21701 9202 CURTIS CT UPPER MARLBORO, MD 20772-5209 3231 SWANN RD APT 204SUITLAND, MD 20746-1335 SELFINCXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX PEPCO ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} 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 XXXXXX/XX/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 2023-09-06
Company: Cascade CISS Holdings, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
all inquiries need to be removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and credit plus XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX DEAR EQUIFAX This account was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verifiable. The other XXXX credit bureaus removed this account because they were unable to properly verify it. Im confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please send proof that this account has been properly verified or remove this account from my report immediately. 

Regards, XXXX XXXX I HAVE ATTACHED COPIES OF MY REPORT SHOWING THAT THIS ACCOUNT IS ONLY SHOWING FOR EQUIFAX BUT NOT XXXX OR XXXX BECAUSE THEY HAVE DELETED THIS ACCOUNT BUT YOU CONTINUE TO REPORT INACCURATE INFORMATION AND REFUSE TO DELETE THIS ACCOUNT THAT CAN'T BE VALIDATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
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: Personal information incorrect

Complaint:
CFPB + Equifax, There are wrong names and/or variations on my credit report- please have that corrected as soon as possible. 

attached to this complaint is : - my drivers license - my social security card - my address- my written complaint - screen shot of location on my credit report Please have these corrected asap, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a medical bill that is reporting on my credit file that I know nothing about. I have medical coverage and never received anything from a provider 's office indicating I owed money. I have insurance and as far as I knew everything was covered. Why didn't this company or any office send me notification???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at XXXX XXXX for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase closed my credit card account in XXXX. I went on line in XXXX and paid the final bill and I thought I was done with this card. I never received another statement and didn't go on-online to check too check this account further since it was closed and I paid in full. Then in XXXX I receive a notice from Chase that my account was past due. I went online and saw that even though my account was closed, they allowed a charge from the XXXX XXXX  ( I had canceled this subscription in XXXX and should not have been charged ) in the amount of {$65.00} to post to my account and then charged a late fee and interest since I didn't pay it. I called Chase. They said they were going to put the {$65.00} in dispute status and reverse the late charge. Today I received a notice from my credit monitoring app that my credit score had gone down 80 points because of a late payment to Chase. I go online and see that they never processed the dispute and they charged me a new late fee in XXXX. I just hung up with Chase and they are again saying they will start the dispute process and reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been having a hard time extending new credit for myself. I recently reviewed my credit report and noticed there are several inaccurate items on my report. I understand that the information reported on my credit report must follow an industry standard format called Metro 2 and my information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately and they are not metro 2 compliant. I have sent multiple letters to the credit bureaus but they continue to fail me in correcting the information. 

This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX In accordance with tine Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX have all 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 2018-02-18
Company: EQUIFAX, INC.
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:
1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making on-time payments that include an additional amount specified to go towards the principal of this loan. While I graduated in the year XXXX and began making payments sometime thereafter, my loans were transferred ( without my signature ) to another loan servicing company, American Education Services, under the Pennsylvania Higher Education Assistance Agency ( PHEAA ) in XXXX. After numerous attempts to manage my account so that I could pay off the loans, the entire amount of the payments are still going to interest as evidenced by the tax form provided by the lender as well as the obvious evidence of a balance that is well over the original loan amount. There has been no communication in response to several attempts from me or my lawyer to provide the documentation requested regarding the original transfer, the interest rate that has been consistent over the life of this " loan '', or the discrepancy between the reported interest rate and fee structure along with the principle balance, which were requested while in good standing. Furthermore, there has been no response or answer to how the " loan '' interest continues to show in " Account Summary '' as " Unpaid Interest ''. In fact, this loan has been paid in EXCESS of the original student loan agreement including interest. Most recently, notification that was sent to the company to stop automatic payment was ignored and another payment was taken from the banking account.
This student loan servicing company meets the definition of predatory lending due because they have made it impossible ( hidden fees, misappropriation of payments, non-communication ) to pay off the " loans ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
We purchased a XXXX and their finance company they required us to use provided us a loan for 5.96 %. We have excellent credit ( XXXX over XXXX ) and once we received the XXXX we went to have the loan refinanced. With research through XXXX and reviews on auto loan refinance, XXXX XXXX had favorable reviews and advertised 2.39 % auto loan refinance rates, so we applied with them yesterday. 

We received an email reporting that the contract was being written last evening. Received a text today asking me to speak with them. I asked them to email me the rate offer and they declined to provide that information to me in writing, requiring that I call them so they can record the call. I called them and the representative asked me what I was trying to achieve with my loan. Very odd question since they are an auto loan refinance intermediary. They informed me that my rate with XXXXXXXX auto for 5.96 % is a great rate and they couldn't get anything less. I asked why they would advertise 2.39 % for excellent credit and he had no response other than telling me that's the current market. I noted that I would never applied to XXXX XXXX if it wasn't for their false advertising and now they had run a hard inquiry on my credit causing damage to my credit rating. I informed them I would be filing a complaint and reporting them to the BBB. Upon subsequent research with the XXXX, numerous complaints on this same issue have been filed by other customers related to false rate advertising.

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