BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 2023-03-10
Company: EQUIFAX, INC.
State: GA
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:
These Inquiries does not belong to me. I have asked you to removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts that don't belong to me. I will like my WET signature showing I open these accounts. 
XXXXReport Date : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Freeway Funding, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am filing a complaint about the bad business practices and inaccurate reporting from freeway funding. Living in a FEMA state of emergency in the XXXX zone due to fires. This company is known for despite repossession not honoring customers who then pay all past due and fines to get their vehicle back and freeway funding not giving it to them. 
They have even several complaints from XXXX  which talk about even if you pay they will not return the vehicle and not communicate with them. Failure to communicate about files and how to resolve and missing documents as well. I am providing two ways they were reporting on my credit report with false dates and numbers all over the place. So I want my entire file up to my last payment, including all communication with them that should have been noted as they advised during our conversations. If they can not provide this crucial information as it damages my creditworthiness and has prevented me to acquire credit based on false and inaccurate reporting it should be deleted immediately. Freeway Funding has proved they do not follow the laws in order to protect the consumer resulting in damaging their credit profile. I want them to supply proof then I will counter them with the proof that I have in order to prevent them to adding any false adjustments to my file in order to correct their reporting mistakes. I want them to provide CFPB information or email it to me. Do not mail me anything.

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 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have trasferred {$10000.00} onXX/XX/2020via Wire to XXXX XXXX XXXX  account. Receiving bank has not received the fund while send bank Capital one is telling me they do not have my fund. I have not clue where my fund is and Capital one Bank is not helping me to get fund back. 

I have transferred {$1000.00} via Wire to XXXX XXXX XXXX  with same account. XXXX XXXX  received it next day. 

Here, I have lost {$10000.00} with no way to recoup $ from Capital one after 13 days.. They are telling me to wait another 10 days. If I do not receive response, then $ is lost even though all information provided to them is accurate. 

Not sure what to do here.. It's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to link my account to several apps and or banks to have full control over my financial situation. XXXX, XXXX ( XXXX XXXX ), XXXX, My bank at XXXX, all offer online account access via online banking and can link accounts with your login, as long as TD allows the 3rd party access. I have contacted TD about this issue 4 separate times, 3 times calling them, and once in person. Every time they assure me that they allow 3rd party account access and recommend using one of their " approved apps ''. I want and have the right to be able to access my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on XXXX XXXX XXXX XXXX Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I believe I am a victim of a data breach, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed ACCOUNT NAME : XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Rocket Mortgage, LLC
State: UT
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:
This account was created fraudently. And now I have 7 late payments reported on my credit report. This loan should of never been created do to all the fraudent that had happened to get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions 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:
I have reached out to Experian and XX/XX/XXXX several times starting XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 all by certified letter to remove all NEGATIVE ITEMS OFF OF MY CREDIT REPORTS. Along with Court Ordered Documentation, both Credit Reporting Agencies REFUSE to Remove these items. XX/XX/XXXX was the ONLY Agency to Remove all Negative Items I requested. XX/XX/XXXX and Experian both told me over the phone " THEY WILL NOT REMOVE AND CAN NOT REMOVE any NEGATIVE ITEMS ''! WHY IS THAT? XX/XX/XXXX had no problems! Due to Identity theft these negative companies and fraudulent address are still on both of my credit reports. See lists below : These items need to be REMOVED! 
Address : XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XX/XX/XXXX XX/XX/XXXX CARD XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX to compensate for XXXX, XXXX XXXX, XXXX data breach XXXX XXXXXXXX XXXX redacted Re-attempt registering Had to call customer service after my acct was deactivated Username variously used as : XXXX  XXXX Then directed to call a number XXXX but when called that required activation code, so then directed to XXXX then obtained the activation code : redacted Then entered above code and prompted for ssn, name, zip code, address, etc and after enteringx2 was unsuccessful with the following screen at end of yellow brick road : How many homeowners were impacted in the incident? 

Based on our investigation to date, roughly XXXX XXXX homeowners, representing former and current customers and co-borrowers, had personal information contained in the files that were affected by this incident. 

Never XXXX  letter for most recent incident or XXXX from XXXX How will I be notified if my data was impacted? 

You will receive a letter with details about any data of yours that was involved, along with resources you can use to protect your personal information, such as free TransUnion identity protection and credit monitoring services. In the meantime, if you have questions about this incident or identity protection services, call the XXXX XXXX XXXX XXXX Response Line, supported by TransUnion at XXXX. 

Why did it take so long to determine if my information was impacted? 

Investigations like this take time. We initiated response protocols immediately, which included a detailed review to determine exactly which data had been compromised. These reviews can be time consuming in order to ensure they are completely accurate and thorough. We appreciate your patience during this process. 

Have more questions? 
Call the XXXX XXXX XXXX XXXX Response Line, supported by TransUnion. Monday through Friday XXXX XXXX XXXX XXXX XXXX XXXX This is an example of a company that is not deserving of the responsibility for handling private personal and confidential information of consumers and then the actions they have taken AFTER the 2nd data breach in 2 years. I never even received notice of the data breach. My account was deactivated and there were time consuming hours spent navigating all the recovery methods and trying to get credit monitoring services -- -none of the systems which appear to facilitate this process actually work and all the myriad support lines are of no assistance. it appears they have no place in the real market place and have absolutely no respect for consumers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: CA
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, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 2023-03-23
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft in XXXX. This resulted in unemployment and credit card fraud with XXXX companies. The unemoyment fraud has been remedied but it has been extremely difficult removing the XXXX credit cards reported to my report. Debt collectors continue to attempt contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card from Capital One by way of XXXX XXXX. 
Last month I received their bill the day it was due. I called the company expressing my concern why they mailed it so late. The short story is they said it doesn't matter. They gave me a XXXX time credit for the late fee, but would not remove the interest charge. 
I mailed that FULL payment that day. 
The other day I received a new bill that I owed the interest ( that I already paid the previous month ) and it was due. I called the company again to see why, and they told me I had to pay that charge again to clear my account. I told them to close the account and I was switched to a supervisor and was told I still owed them that interest charge even tho the account had been paid in full. I informed her that was against the " Federal Credit Protection Act '' and that that was illegal. 
She finally said she'd clear that from my account. 
My complaint is that they illegally tried charging me twice for interest when the bill was previously paid. How many other people are being subject to this outlandish business practice, and the amount of monies they are scamming unaware customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 10 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 10 years. I have made several times over the 10 years but I constantly updated my address with the us postal service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. 
The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX CA. which is one of highest cost living areas in the united states if not the highest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX, i provided all the letters i received from all creditors and provided to all three credit bureaus and as of XX/XX/XXXX, the accounts are not reporting accurate, and the others are not removed per the creditors requestXXXX Mortgage is current and never paid late and the credit reporting agency is reporting several late payments.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX credit reporting bureau will not remove inaccurate information. Specifically, XXXX XXXX/XXXX XXXX  is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX, despite the fact that this information should have been removed in XX/XX/XXXX. See the attached documents. I spent two hours talking to both XXXX and XXXX  on XX/XX/XXXX, and filed an online complaint on the XXXX  website, without success. As of XXXX, XXXX, XXXX, XXXX  has not updated its reporting on XXXXXXXX XXXXXXXX. I have been trying to resolve this inaccurate information since XX/XX/XXXX. 

Also, Transunion has not updated its reporting on XXXX/XXXX   XXXX, as of 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 explanation
Consumer complaint received 2023-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX, 2023, XXXX was taken from my USAA XXXX Checking account and placed into a CD to fund the credit limit for a secured credit card. USAA took a week to order a card and the card was finally received regular mail and not expedited on XX/XX/2023. Since receiving the card it was activated yet I have no usage of my available credit limit which is my money taken from my checking account due to usaa declining and blocking every transaction for no reason per USAA. USAA has not offered any real time resolution for me to have access to my cash. I had to be embarrassed in XXXX and XXXX when my card declined with available credit but USAA offered no assistance other than allegedly not knowing why the card is declining when there is available credit. I have been lied to repeatedly and it is beyond not acceptable having my money taken and not having access to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
During the month of XXXX, I made a promotional purchase ( no interest if paid in 12 months, requiring minimum monthly payments ) in the amount of {$1300.00} ( split into 4 parts, XXXX, XXXX, XXXX, XXXX ) and a non-promotional purchase of {$230.00}, totaling XXXX. On XX/XX/2018 the statement from XXXX Synchrony Credit account indicated I had a previous balance of XXXX, and that I made a payment of XXXX effectively bringing that balance to {$0.00}. The statement reflected the new balance of XXXX. On my due date of XX/XX/XXXX, I made a payment of XXXX. Per the payment allocation option that I opted in to, it should have been applied to my non-promotional balance first. On the XX/XX/XXXX statement, it reflected my payment of {$230.00} and an additional credit of {$11.00} that I applied from my rewards point bank. On that statement I was charged a {$1.00} minimum interest fee ( an agent mentioned it was {$0.00} in actuality ). Additionally, I made a purchase of {$53.00}. On my due date, I paid the difference between my non-promotional balance and my statement balance of {$43.00}, including the {$1.00} interest charge. On my XX/XX/XXXX statement, it reflected yet another interest payment in addition to my new charges. When I called to investigate why I was being charged interest, despite that I was in fact paying my entire non-promotional balance every statement and I had opted for it to be applied as such, I was informed that they don't actually allocate the entire payment, citing that federal regulation z makes very specific rules on how the payment must be applied. However, the account manager ( XXXX, I believe ) said that, " The only way that I have ever seen it successfully done, is if you call us on the same day and ask for a 'same day allocation. ' '' It sounds extremely strange to me that they can't honor their automatic payment allocation options because the federal prohibits them from doing so, unless you ask, then they are happy to break the law for 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 explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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