BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of issue.

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 2023-03-28
Company: EQUIFAX, INC.
State: TN
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 this account has violated my rights. 

XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX to get my report. The Transunion questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from 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 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account belong to a third party. I DIRECTLY CONTACTED XXXX Hospital in 2014. IT WAS AGREED THAT THE INFORMATION WOULD BE REMOVED AND NO OTHER FOLLOW UP WOULD BE NEEDED. Trans union continuous to retain the negative information. This has caused me to be rejected for Loan Opportunities. This has to be permanently removed from my credit history.

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 2016-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I Have disputed a fraudulent account which went into collections with Trans union over XXXX times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that i faxed to them. I have letters from both the collection agency : XXXX XXXX XXXX and the original creditor XXXX. XXXX XXXX has also submitted a XXXX and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with trans union. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
tax lien on my credit report that is not mine. 
so please remove from all XXXX credit reports. 
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 explanation
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ON XX/XX/2019 I LOGGED INTO MY BANK OF AMERICA BUSINESS ACCOUNT TO CHECK MY STATEMENT ONLY FOR ME TO REALIZE THAT ALL MY MONEY HAD GONE. I IMMEDIATELY CALLED THE BANK TO REPORT IT. I WAS TOLD THAT I WOULD BE ISSUED A NEW DEBIT CARD WHILE THE BANK PROCESSES MY CLAIM. UNFORTUNATELY, THE BANK FAILED TO RESOLVE MY CLAIM. I HAVE FILED A POLICE REPORT TO HAVE THE ISSUE INVESTIGATED AND I WILL LIKE THE CONSUMER FINANCE PROTECTION BUREAU TO HELP ME RESOLVE THIS ISSUE BY MAKING SURE THAT THE BANK CAN CONTINUE TO PROTECT ME AND REFUND ME FOR THE UNAUTHORIZED TRANSACTIONS THAT RESULTED FROM MY CARD BEING USED WITHOUT MY PERMISSION OR KNOWLEDGE.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide 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 explanation
Consumer complaint received 2016-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Other

Complaint:
Capitol One ( herein after " CP '' ) has a practice where upon approval, use and after one or two payments of its initial credit card, it immediately issues the consumer a XXXX CP credit card to use at their own discretion. 
After use of the XXXX card ( in using XXXX cards ), CP sends statements as if for XXXX cards but the statement information shown is for only XXXX of the cards. Also, paying on-line through the internet : CP applies the payments to only XXXX of the cards leaving the XXXX card to appear as if it is delinquent thereby escalating fees -- late charges, over the credit limit, interest where all this is rolled into and compounds the monthly payment. 
Upon my pointing-out this practice to Capitol One, noticing the payment without a logical explanation, leaped from about under {$100.00} to over {$300.00} ( XXXX dollars ) within one month, CP refunded/deducted the {$300.00} dollar fees but reverted to this practice with my cards about a couple of months later. This included on-line payments when in the confirmation page is flashed quickly but non accessible having no printable confirmation. It even appeared and still does, that my card had been compromised by fraudulent charges. There was nothing to explain these high payments due when payments and calls were being made to the company timely consistently. In addition, about the second time I called about this CP practice, it said that a payment had been returned in XX/XX/XXXX for NFS, and not resolved which would not be the case when payments are made each month on line or called-in by phone. CP continued to try and attempt saying two months of payments were not made on XXXX of the cards. Payments were made on-line timely and directly from my automatic payment from my bank. I believe the alleged two months of " missed-payments '' is in retaliation for my first showing to CP its fraudulent practice ongoing since then. As of XX/XX/2016, upon getting no resolution, making them aware and letting them know that further action would be taken for CP continually misappling my payments for the purpose of increasing fees and interests. CP by its fraudulent practice has in attempts to increase collecting fees and interest and in retaliation has attempted to impact my credit score, if it has not already done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card
Issue: Other

Complaint:
I have sent Capital One several requests for validation and investigation regarding XXXX accounts listed on my credit report. I first reported them as fraud but Capital One said they had limited information. I 'm not sure how else to say it 's not me!!!. I asked for validation and investigation including my original signature and they keep sending letters that say they need more information. The letter Capitol one sends only has the last XXXX numbers in an account showing- the accounts listed on my credit report do n't show the last XXXX numbers. There is no way to match them. I sent 3 request to the credit reporting bureaus and they can not validate the accounts either, Capital one needs to delete me from their system they have had more than 3 months and multiple requests to provide complete and accurate information and they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : capital one Account number : ending in XXXX You're reporting a late payment in XXXX, XXXX and XX/XX/2020 yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX on XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX XXXX  on XXXX, XXXX XXXX  on XXXX, XXXX on XXXX XXXX XXXXXXXX XXXX  on XXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXXXXXX.please delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXX  XXXX  on XXXX, XXXX XXXX  on XXXX 2022, XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX  on XXXX, XXXX on XXXX 2022, XXXX XXXX  on XXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXXplease delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.

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 2016-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been a Capital One card member in excellent standing since XXXX I never defaulted on my account nor was I ever late in sending my payments On XX/XX/XXXX I made an electronic ( ACH ) payment of {$500.00} from my business account to Capital One credit card account. The funds were deducted from my business accounts and were applied to my Capital One credit card account immediately. 
My balance due to Capital One was {$4500.00} ( out of {$5300.00} line of credit ) In other words I still had a " credit '' of {$790.00} available yet, a dinner transaction of {$39.00} was declined twice by Capital One. 
Capital One refuses to provide a written explanation as to the reason why they card was declined. 
This is not the first or the second or the third time over the last 16 years that Capital One does that to me. 
During XXXX back in XXXX, both my house and business had no electricity, phone service or Internet service, yet Capital One Credit refused to increase my line of credit by {$200.00} to allow me to purchase an emergency generator. Then too they refused to provide any written explanation as to why my request for small emergency increase in line of credit was not granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had taken out a collateralized loan with Blockfi and used XXXX XXXX as my collateral. I paid the remainder of the principal of my loan off on XX/XX/2022. Blockfi notified me shortly after that the collateral XXXX  that They had held would then be returned to my Blockfi wallet after processing the ach transaction. 

On XX/XX/2022, we received word from Blockfi through XXXX that they suspended all withdrawals of any kind through their platform and failed to process the previous transaction. So now i have been left exposed twice awaiting either a refund of my principal pay off and my collateral that was supposedly held safely. Many other customers affected with my same circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Please DO NOT close my complaint # XXXX. Capital One is still sending texts to my mobile phone and they will not stop. The account they are referring to is not mine. There is not a way for me to add a comment to my complaint so I an opening a new XXXX. I have been trying to resolve this with Capital One for months. They will not stop texting my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check into my Capital One 360 account. I called to ask if a portion of the funds could be released due to an emergency. They said no. I spoke with someone in Escalations and she said that she was the highest manager. So, now I am filing a complaint. I think it is ridiculous that they refuse to call the number on the check to verify the check so that they could release a portion of the funds. I feel that it is ridiculous that they will not release anything and that is n't right at all to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: ORG GC GP Buyer, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
G C SERVICES Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - {$2100.00} Account number - XXXX Date opened- XX/XX/2022 G C SERVICES Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX This cause negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I was notified by Wells Fargo E-Mail of " unauthorized transactions '' on my online account. I contacted Wells Fargo and was transferred to their Fraud Department about the transactions and was told, one was a Bank Wire Transfer in the amount of {$14000.00} and another to XXXX for {$1000.00} that were ATTEMPTED. Wells Fargo fraud representative " XXXX '' told me the wire transfer and the XXXX transfer were stopped and he was going to open a new account because of the " XXXX '' which he did. On XX/XX/2022 The XXXX transfer was showing as " Pending '' on the NEW account. On XX/XX/2022 the " pending '' was now shown as completed. I again contacted Wells Fargo Fraud Department about the now transferred {$1000.00} from my account and was told by " XXXX  '' and XXXX '' that the transfer was in fact NOT STOPPED as it was suppose to be and I would need to wait until an investigation was completed to determine IF the unauthorized transaction would be refunded.

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 2016-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Capital One is processing a mortgage application for a condominium and demanding a totally irrational level of XXXX insurance. The association master policy provides cover for unit interior to original plans and specs. The master policy excludes improvements and betterments, which the XXXX policy should cover. The unit being purchased has no improvements and betterments ; it is the unit as conveyed to the original purchaser by the developer. Capital One 's requirement for {$290000.00} of XXXX coverage is completely baseless because there is not property of even a fraction of that value to insure. It is more than three times the coverage I would purchase that would include the value of personal property. Appropriate coverage would cost me about {$500.00} per year, not $ XXXX {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a call, yesterday, from a representative, XXXX, from Capital One Auto Finance. She proceeded to ask personal information so I could verify the account. I am currently awaiting the title on a loan payoff and my ex husband has been trying to get information. After I verified the information, as my account has a block on it since XXXX XXXX, 2015, I asked if my ex has been trying to get information. At that time, XXXX informed me that my ex, XXXX XXXX, was on the line with us. I was furious that this representative had allowed my personal information and block information to be available to XXXX XXXX. I ended the call and proceeded to call COAF and request to speak with a manager. After nearly an hour of waiting, and several calls ( after being disconnected ), I was able to speak with XXXX, a representative in the " President 's Office '' department. She was apologetic, after reading file where clearly states that XXXX XXXX is to be blocked from any and all information. She said she would listen to call and get back to me. XXXX called at the time she promised. She was upset that the representative had done exactly as I had said. She also listened to a few of prior calls, starting with call on XXXX/XXXX/15 where I put the block on the account. She noted that XXXX XXXX had tried several times to gain information and was denied. She was unsure why XXXX had given the information out. 
I was extremely agitated and full of anxiety. There is a history of violence with XXXX XXXX and my information was private for a reason. 
I obtained the information to write a letter, XXXX XXXX, President, at above referenced address. 
The representatives I spoke with are XXXX-ID # XXXX, XXXX, ID # XXXX, and XXXX, ID # XXXX. 
It was necessary for me to contact my medical doctor for instructions on medication to calm me down. I am, still, this morning, quite anxious and in fear. 
I have filed this complaint with the FDIC and I will take further action in contacting NJ Division of Banking and Insurance ( XXXX ) and an attorney. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I maintained an account with Capital One 360, an online bank. On or around XX/XX/2016 they informed me that they were closing my account and would be mailing me a check for the funds remaining in the account within 10 business days. I have called them once a week since then or approximately 10 times and the funds are still sitting in my frozen account with no indication when they will be released.

Company response to consumer: Closed with explanation