BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I've been trying to get a car loan for about a year now. Not sure what the deal is but for over a year now I've been fighting all three credit reporting agencies tooth and nails to remove inacuracies after inaccuracies. I have filed complaints right here with this agency against all three credit reporting agencies in hopes that it would clean everything up. Denied, denied, denied, denied, denied, that's all I am getting! WHY I AM NOT OUT TRYING TO STEAL A CAR, I'M TRYING TO PURCHASE A CAR! Today I get an email from Transunion credit reporting agency and in the email on the front page it advertises a garaunteed car loan, DID I MENTION THAT I NEED A CAR LOAN REALLY BAD? So again, and there are screen shots attached to this complaint! So Transunion sends me a gauranteed car loan invite so I fill out the information and when I'm finished I get landed on a page to buy insurance. No car or car loan as garaunteed. Is there not laws against this? Are there different sets of rules that I do not know about? I just lived through covid like everyone else and now inflation has grappled the economy and I'm here with everyone else again, so why am I getting COMPLETELY hammered with lies and misinformation from not one but all three credit reporting agencies? Why am I being wrongly reported on all three credit reporting agencies? Why are the same credit reporting agencies sending me garaunteed car loan applications to my email then not following through with the garaunteed loan that it sends 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-12
Company: EQUIFAX, INC.
State: PA
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:
I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Account Name : 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 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 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 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
There's incorrect addresses, and phone numbers on my report that I don't recognize. Therefore, I need this to be corrected before I end up being a victim because of wrong information being applied to various organizations that's not correct. See attachments below thank you.

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 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Re : Formal Complaint Against Capital One Regarding Account Closure and Redemption of Rewards Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost concern regarding my Capital One Venture X credit card account. I recently received an email notification informing me that my credit card rewards points had been redeemed. Upon further investigation, I discovered that my account has been arbitrarily restricted, without clear justification or explanation.

I promptly contacted Capital One Support to seek clarification on the status of my account. The initial representative, XXXX in XXXX, Florida, indicated that this action was a result of a " business decision '' and that my rewards had been liquidated. Despite my persistent inquiries, I was provided with vague responses, and the subsequent support personnel, XXXX ( Employee ID : XXXX ), failed to shed any light on the situation. 

I established this account in XX/XX/2023 with the expectation of enjoying the associated benefits, which included 2X rewards on spending, a substantial credit card rewards points points of XXXX, a {$300.00} travel credit, and access to airport lounges, all in exchange for a {$390.00} annual fee. Regrettably, within just XXXX months of opening the account, Capital One chose to close it unilaterally without notice or chance to redeem these points and credits. 

Despite having paid the aforementioned annual fee in the first billing cycle, I have been denied the benefits and services I anticipated. Multiple conversations with various Capital One representatives, including XXXX ( XXXX ) in the Philippines and XXXX ( XXXX ) in Florida, have proven fruitless, as they claim to lack the authority to address the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00}.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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.

The letters are stated with items and issues.

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 2019-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a XXXX  who works with many clients especially on their credit report issues. In many cases, the bureaus are virtually impossible to work with on critical situations due to automated phone contact. You can not reach a human person and if you are lucky to, they still want you to send info to a PO box which means nothing can be sent overnight in an urgent matter. Credit bureaus urge you to put freezes on your reports, YET, you can literally not remove it unless you use a website that seems to always circle back to sending info to a PO Box . I personally have just tried to unfreeze my accounts at both Experian and XXXX and can not without sending info to a PO Box . I tried their websites and no luck. Why are these companies who control so much of our nations personal information allowed to go unregulated when it comes to providing the consumer access to human beings? Why are they allowed to use PO Boxes no matter how dire the situation is? Its a shame that they can literally ruin lives due to their inability to service consumers who are " REQUIRED '' to use the,.

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 2023-03-15
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification on XXXX for {$230.00} of debt owed that I did not know ; Caine Weiner violated the law and placed it on my credit report on XXXX without prior notification. 

Collections CAINE & WEINER Opened XXXX {$230.00} I did not know of this and demanded that it be removed from my credit report. I had no time to dispute this and would like for them to pay a fine to me of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX keeps reporting incorrect dates of reporting with Equifax, XXXX, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/XXXX, I noticed a charges on my account totaling {$380.00}. I submitted a claim to Navy Federal Credit Union, they gave me a provisional credit, and then reversed the credit which cause me more financial harm. It caused my account to go into overdraft, so when my direct deposit was placed in my account, it took everything, which caused for me not to be able to pay my car insurance, my policy was canceled, and I have to pay another fee to get my insurance restarted. 

XX/XX/XXXX, I received an email that someone hacked into my account and added themselves to my account to transfer money. They made 2 transactions. One was for {$200.00} and the other one was for {$280.00} totaling {$480.00}. I was out of town so I sent an email immediately and told NFCU that I did not authorize these transactions. It has been over a month and there still has not been any resolution to my claim. 

XX/XX/XXXX, I was looking over my accounts and I noticed a {$2000.00} charge from XXXX XXXX sales that I did not authorize. I asked my brother about it and he admitted to taking my card and making the purchase. I did not authorize this transaction. 

I have emailed the XXXX XXXX XXXX several times, and there still has not been any resolutions. I have been an victim of identity theft, someone has my information and it seems that they can get access to anything that I have. I filed a police report this past XXXX regarding this. 

All of my claims has been denied, I filed appeals and they were denied. I asked for a copy of the documents and evidence that was used to determined that these charges were authorized, and I have been denied the paperwork. I have even asked the fraud department, to ask the merchant, do they had video of me in their establishment making these transactions, and was my pin used, etc. They will not help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX at about XXXX in the evening, I went to the ATM machine to make a deposit. The atm machine did not print any receipt for the transaction, and I took a photo of the screen. After checking my balance, the {$250.00} cash which was deposited at the atm machine was not credited to my checking account. Because it was a holiday, I could not call customer service right away. When I contacted them by electronic form, they ignored me. I was able to get someone one the phone when business reopened. My concern was again ignored, and my call was almost disconnected. I asked for a manager and the customer service rep refused to transfer me to a manager. I was placed on hold for a very long time. Eventually, they credited the {$250.00} in cash which had been deposited. However, they told me that the intended to leave open the claim for a reversal at their discretion. This transaction was very concerning. I am still being threatened with claim reversal today. 

The next problem with this account was a transaction for {$83.00} which was processed on XXXX XXXX. This was paid to XXXX. I checked all of my online shopping accounts, email, and phone, there is no order, no shipping, no item which was received for a value of {$83.00} anywhere. The bank has responded that they believe they have psychic ability to know that I have completed such an order and that the items are in my home. I responded to them with receipts for every appliance in my house, anything which would be of that value that I had been shopping for on the internet. I have no such item. No such item was sent to me. The applied an initial claim credit, then they reversed it and I have been charged twice {$83.00} for an item I do not have. They were excessively abusive when speaking with them about this issue. 

The next problem and an obvious error to my account was today. I don't believe these are errors at this point. It is intentional and it is excessively abusive by the bank. I have an account which I set up in person with the banker. My debit card is set to reject any transactions presented against an insufficient balance. There is an automatic denial of the transaction, and there is no fee. The bank used their discretion to override these setting on my account, and I was charged an additional {$34.00} for a transaction after the funds were low because of the {$83.00} incident. 

My child has also experienced abuse as a result of the balance at the bank. The account has been checked and information shared with someone who uses the children to resolve deficiencies at the banking institution. There is an abuse occurring which I can not quite put into words regarding my checking and debit account. We have also been threatened for disputing the transactions which are not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Sectio
n 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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX  XXXX XXXX keeps reporting incorrect dates of reporting with XXXX, Transunion, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX XXXX XXXX fraudulent activity. 

I have disputed the dates that XXXX  XXXX XXXX has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. XXXX  XXXX XXXX is using fraudulent activity which unlawful per the Fair Credit Reporting Act.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
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 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 2019-12-18
Company: Kentucky Higher Education Assistance Authority
State: SC
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:
Kentucky Higher Education keeps reporting incorrect dates of reporting with XXXX, XXXX, and XXXX  which the account was opened in 2001. It is currently in dispute with the Dept of Education. I was unaware that I would even have a loans that I would have to repay due to XXXX University 's fraudulent activity. 

I have disputed the dates that Kentucky Higher Education has been reporting these loans incorrectly for many years and I have been disputing with the credit report agencies the last 4 months. This company is also reporting this loan multiple times on my credit reports which if it dispersed on same date should be one loan NOT MULTIPLE LOANS. They continue to report these accounts incorrectly, and are fully aware they are incorrect. Kentucky Higher Education is using fraudulent activity which unlawful per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation