BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX With the lender Capital One, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXX/ TOTAL VISA CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.

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 2021-07-05
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I received an email from XXXX XXXX a PayPal employee, email address, XXXX. Thanking me for my order of {$680.00} USD. Transaction ID XXXX!!, Confirmation Ref. # XXXX XXXX XXXX. I immediately responded and told them I did not order anything through PayPal, nor do I have an account with PayPal. I was then notified payment was made in full. I sent multiple emails to XXXX, Asking who ordered this product, what was the product, what country did come from, how was it paid, I have not received a single response from this person. I then sent an email to XXXX XXXX, president, andXXXX XXXX, CFO, I received a form letter response stating I did not have an account with PayPal, I already told them that, and as such they recommended I simply delete all of the correspondence from XXXX XXXX on my computer. I also sent the same complaint to customer service, they told me I had to have an account for them to respond. I firmly believe PayPal is hiding something, I gave them the transaction ID and the confirmation number, the amount in US dollars, date of the transfer, and they're telling me they will not investigate, but they do acknowledge the transaction was a fraud. I believe this was a fraudulent transaction, in PayPal is aware of it they made the transaction for their own best interest. I was told I do not have an account, if that is so how can they use my email address to complete a transaction in the amount of {$680.00} USD? I want to know what happened, and they are simply dismissing all of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi. PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
Santander Consumer USA has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I began loan modification for a first and second mortgage in XX/XX/2019. The first mortgage went without a hitch, the second mortgage took an additional 30 days- I don't know why, and has had numerous issues. I was told to NOT make any mortgage payments while going through loan modification. Although I didn't make a payment on the first mortgage, there are no negative notations in my credit report. Although I began loan modification on the second mortgage, and was told not to make payments- making a payment could nullify loan modification. This message was told to me verbally and on a automated account through XXXX XXXX. My credit score was over 800 and I had no late payments anywhere on my credit report when I began modification. My credit report now shows that I was 30 days late, and 90 days late- not 60 days late which I find interesting. I am a rule follower. I provided information when asked, made payments as stipulated in my loan modification agreement, and didn't make payments when directed not to, and yet, my credit score is more than 150 points lower than it was before modification. Yes, I realize going through modification can affect my credit score- but I must say, the first mortgage loan modification hasn't affected my credit score. Also, although XXXX confirmed that I had asked to have my account evaluated in XX/XX/XXXX,  I wasn't notified or updated about the process. I had to call today, XX/XX/XXXX to mind out the progress. What happened to 30 days? Although XXXX claims the evaluated my account twice, it was abundantly clear during my two hour phone conversation today, that neither my complaint filed through TransUnion or the complaint I filed directly with XXXX in XX/XX/XXXX was looked at by anyone.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
TransUnion is reporting the first late payment date in a string of late payments incorrectly. The first late payment was XX/XX/XXXX and I was consecutively late through XX/XX/XXXX. Therefore the string of late payments should have fallen off of my report in XXXX, XXXX. 
TransUnion is changing that first late payment date every month. I will never meet the seven year fall off mark because they push the first late payment date out monthly. That information is historical and should not be adjusted. They also are not reporting a full seven years. They say they have not received a full seven years from the bank and the bank says they have submitted a full seven years to Transunion. 
I have submitted 5 disputes with TransUnion, including in my submissions, is a letter from the bank showing the string of late payments and five credit reports showing the change in the first late payment date. 
The last change was the most erroneous. They changed arbitrary dates to OK. Leaving 90 day late and 120 day late payments without any previous late months. It makes no logical sense. 
I contacted the bank with my concerns that because I make two payments a month into escrow and then the payment is applied to the mortgage, this has confused TransUnion 's record keeping. I was told the reporting doesn't happen that way, but I only made one payment into escrow in XXXX and that payment shows up in my credit report. 
I have repaired my credit and am entitled to what the law provides for with credit reporting. I am powerless to make any changes because I am stuck between the bank and Transunion.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXXXXXX 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 2023-05-26
Company: EQUIFAX, INC.
State: MO
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: PA
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 have contacted all XXXX credit bureaus as well as XXXXXXXX XXXX XXXXXXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$310.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: VYSTAR CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX VyStar Credit Union charged me an extra {$87.00} dollars for collateral insurance on the vehicle. Which made my car payment higher. They simply added on the insurance without informing me until months later. I called XXXX in XXXX and emailed them my proof of insurance from previous months and the month of XXXX. They said they will refund me my money problem solved. I went to make my XXXX payment and the bank teller asked me where is the rest of my payment. I make my payments every month on time so I was confused. She informs me that all my payments have been late and going towards the previous months due to the insurance fee added back in XXXX. I was not informed of them adding collateral insurance to my bill. And now XXXX is saying XXXX cant make my XXXX payment until I pay them the insurance fee. I have insurance on the vehicle and I have proof of insurance from XXXX to XX/XX/XXXX. They are just charging me u fair and unreasonable fees. XXXX is even saying they didnt get my full payment for the month of XXXX. Thats false when I paid them in full and extra.

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 2021-11-19
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021, I pulled up a copy of my credit report and notice unauthorized hard credit inquiries on my credit report. 
I then proceeded to call the credit reporting company to have that inaccurate information removed. They then told they cant do so and that I have to dispute it through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: CITIBANK, N.A.
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: Confusing or misleading advertising about the credit card

Complaint:
Within the last year, I receive on a daily basis and average of XXXX - XXXX Citibank pre - approved cards or Upgrades. I have a Best Buy card that is through Citibank. 

And althought Im very happy with the card, Im dissappointed with the non stop marketing and promotion that floods my mail box. 

Citibank, continued PRESSURE '' to have me extend my credit is not only Exhausting But at this point has become HARASSMENT. 

Just because I hold a BestBuy card doesnt give Citibank that right to continuesly go in and out of my credit report. My Card balance and payments are up to date. And that should be their only concern. 
Not to push me into further debt, and Obligation that can surely become a problem for me in the future. 

Im concerned that the daily Harassment from Citibank pre approved credit cards and extended credit COULD have created the problem of Theif that has been reported to the Credit reporting agencies. 

I have made numerous complaints to XXXX, about my mail being stolen in the past. The issue still to today hasnt been corrected or resolved. Although I have sent to the 3 credit reporting agencies police repots and Investigations along with document from XXXX XXXX XXXX confirming that there was actual a crime committed. My credit information is still made available without my consent. 

Id like Citibank to opt me out of all marketing and promotion, that I havent applied for, Citibank may have contributed to the thief in my account from the past. Since they are sending so many pre approved application to me, and my mail continues to be stolen and XXXX has done nothing about it. Citibank continues to put my personal information and finical security at risk. 

The only solution here is to STOP, all Promotions and Marketing to me. I have opt-out from this from all Credit reporting agencies over a year ago. Yet Nothing is being done to protect my Personal and Finical Information from these institutes. 

I shouldnt have to opt out of this Marketing as listed on the application enclosed from Citibank by calling XXXX by me calling this number it will enable the answering service to capture my phone number, and then I will start to receive unwanted phone calls from TeleMarketers. 

It seems like a waste of time to opt out of mail marketing to sign up for Phone Telemarketing which is what will be created. 

Im asking Citibank to Please Opt me out of all Marketing and Promotions that THEY have Opted me into. And to Stop Created a problem that has caused a CRIME TO BE COMMITTED on my credit report as VERIFIED by the Police Department reports

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 2022-02-01
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX  reported me delinquent on payments due to the amount being lower than an increased monthly mortgage payment that had not been communicated to me in an effective manner. Additional delinquent fees were added and not communicated causing unapplied mortgage payments and additional fees. XXXX Bank reported me delinquent to Credit Agencies and my score was lowered by XXXX points. 

Note : All of this occurred within the 60 day grace period after the transfer of my mortgage to XXXX XXXX. 


XXXX XXXX XXXX  acquires my mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX Ma ) XX/XX/XXXX - I received a notice of low payment and began engaging XXXX XXXX  customer service in order to sort out the problem. 

XXXX XX/XX/XXXX - I continued trying to work with customer service with no resolution or even learning exactly what the problem was XX/XX/XXXX - After working with customer service, I was under the impression that all accounts were settled and up to date. 

XX/XX/XXXX - I learned that my credit took a major hit. Engaged customer service again and was told to dispute the issue by sending a fax ( see attached document ) XX/XX/XXXX - I learn that my credit score has decreased by XXXX points. I called customer service and they told me there's nothing I can do because the bank rejected my dispute. 

If more detail or documentation is required, please let me know.

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 2020-12-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XX/XX/20 ... a convergence of issues arose as to where I was not able to access any electronic device for approximately a six month time frame ... .this is of a personal nature and is beyond the scope of the complaint. A search of my general credit report will show that only ONE account via CHASE bank ever became behind or outstanding due to non-payment. I was under the impression the CHASE acct. was automatically being paid via personal arrangement as were ALL others during this time ... also, easily documented. I have contacted CHASE, brought the acct. current and paid all late fees, as I am surely obligated to do and accept responsibility for. Especially, during these times of a pandemic, it would appear as if perhaps I am being treated rather harshly by CHASE as to their absolute refusal to withdraw the negative reporting, or perhaps modify in some way. I dont think this is the intent behind our financial protection laws. Had I known I was behind, I would have gladly brought this acct. current. The negative reports by CHASE have caused great aggregate harm to my current report and does not accurately portray my consistent past behavior.

Company response to consumer: Closed with explanation