BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have two payments left before my loan matures on XXXX XXXX, 2016. I Called to get my payoff. While I was aware that I have 4 additionally deffered payment I that were attached to the end of the loan. During the course of the loan problems arose where I had to defer my auto payment. Capital one deferred the payments and each time I was charged XXXX dollars to do so. I was told when I deferred the loan it would simply be added to the end of my loan requiring 4 more months of payment after the loan matured. When I called in to get my payoff I was told it was XXXX I asked where that amount coming from since my payment is XXXX per month and 6 payments would make the total XXXX. There was an additionally XXXX added to what I owed. I was then told by a representative in the Office of the President that each time my payment was not made on the the exact billing day of my contract ( meaning I had no grace period ) I was assessed intrest and that intrest was deducted from my principal and therefore more was going to intrest than to the loan. In addition, the four deferred payments were also assessed an extra intrest. That interest was derived by the formula where the principal bal was multipled by the interest rate of 25.13 % and divided by 365 days to get the additional interest being charged to my loan. So in affect, I was charged to two different points of interest on one loan. Next I was told after the loan matures I have 150 days to pay off this excess balance, ( the four defered payments plus all this extra added interest ). It was further explained that I could lose my vehicle and it affect my credit adversely if I failed to pay this lump sum. My problem is this, first I was never told the loan accrued intrest which was deducted from the principal if I didnt pay loan on the exact day. Next, I was told the deferred payments would be adding on additional months to my loan. I was not told it was adding adding and extra intrest to my loan in addtion to the 23.13 % already being tacked on. I believe Capital one has dealt with me deceptively by not fully explaining how the intrest acrued with the loan payment date as well as for the deferred payments. As a result, I have believe Capital One is literally stealing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX, called Experian spoke with XXXX in Fraud Department saying received letter on XX/XX/XXXX for same dispute reasons with XXXX XXXX and nothing done. Letter for 2nd request sent XX/XX/XXXX certified mail from USPS and XXXX says not received. Told XXXX that it was sent certified on XX/XX/XXXX ( see enclosed proof and documents ) and it has been over 2 weeks ago and yet " nothing has been done '' again! Informed XXXX at Experian that I will complain to CFPB today on XX/XX/XXXX. 

Furthermore, the Credit Bureaus, Experian and XXXX never did and failed to do a proper Investigation according to FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information.

They did not do this! 

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that possible if the account type date, high credit, credit limit, last reported, date last active, date last payment and reporting history ( see enclosed report pulled XX/XX/XXXX vs. prior XX/XX/XXXX reported ) still show the same incorrect and inaccurate information!!!! This is grounds for REMOVAL! 

They also violated the law because according to, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.

15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

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.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Also, Experian took more than 30 days to complete my investigation, so here is attached proof of my certified mail tracking # XXXX from USPS and enclosed.

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Credit card account does not belong to me from XXXX XXXX, I want to remove this account from my credit report. It is showing up on my XXXX  and Transunion report

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 2022-01-28
Company: Experian Information Solutions Inc.
State: NY
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, XXXX of the family XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX. Account number : XXXX. Account name : US DEPT OF EDXXXX. Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.

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 2020-04-21
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: Account status incorrect

Complaint:
To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA. 
Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and immediately remove from my credit file ACCOUNTS XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXXXXXX  not mine XXXXXXXX XXXX XXXX  XXXXXXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Please see the attached screen shots of a financial institution that was added to my account without my knowledge or authority. XXXX XXXX XXXX does not belong to me or to anyone that I know. As you can see in the screen shot and on my account, XXXX  is unverified. XXXX XXXX XXXX is my account attached to my debit card which is my only and default account. My account was compromised and another financial institution was added to my account as the default. Please see below the transactions totaling {$380.00} that were transferred to XXXX XXXX XXXX  all in the month of XXXX. As you can see before XXXX, my transfers went to the appropriate default financial institution which is XXXX XXXX XXXX. 

I have not removed the XXXX XXXX XXXX until after Venmo further investigates the unauthorized access to my account and my money is recovered. 

Venmo customer service continues to send me responses stating that there was no unauthorized transactions and went on to state that I added the 2nd bank account and transferred the money to it. In so many words accusing me of fraud. I requested a supervisors and a call back with no response. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: NE
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:
In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date asXX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, XXXX has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date as XX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, XXXX has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.

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 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XXXX XXXX i requested a credit increase with capital one and was denied due to my usage being low. Applied again XXXX XXXX and received the same message after using the card. XX/XX/2021 i made a payment with a new Checking account and used the wrong account number which caused the payment to return, that same day i updated the account number and made the payment. Now that my limit has increased, the reason i am unable to receive and credit limit increase is due to simple mistake! Ive been with caption one for 8 year and i have never missed a Payment or had a return payment before. I called capital one XX/XX/2021 to have my file reviewed and reconsidered, however NO ONE was able to assist me and the first person i spoke with was extremely rude, i request to file a complaint. Filing a complaint with capital one means nothing!! No one is supposed to follow up with the customer to make sure my concerns were heard and there is no confirmation number to confirm the complaint has been submitted.Overall, the system reviews the information and thats that!!!! I am purchasing a home and i need a larger limit to purchase items, i have 2CC and a auto loan that i will gladly close and take my XXXX years of business elsewhere if this is not resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute those fraudulent accounts, i didn't initiate, I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

COLLECTIONS XXXX  Opened XX/XX/XXXX + {$240.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX + {$1900.00} Original creditor : XXXX XXXX XXXX Opened XX/XX/XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$330.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$4100.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$210.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$290.00} Original creditor : 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 2017-07-20
Company: EQUIFAX, INC.
State: TX
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:
I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from Equifax, XXXX and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened a credit account with XXXX XXXXComenity Bank, I believe in XXXX. I shopped there only occasionally, but every time I received a bill, I paid it on time. The next thing that happened was that Comenity sent me a letter dated XX/XX/XXXX saying that my account was closed and charged-off and sold to XXXX XXXX XXXX XXXX XXXX. I never received a statement for the amount it claims I owe, and I never received any written notification from Comenity Bank prior to the XX/XX/XXXX letter. I checked my credit report and Comenity has reported the alleged debt to the credit reporting agencies. The reports indicate that the charge-off amount is {$450.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX ONLINE PAYMENT ACCEPTED 10 PAYMENTS FOR SOMEONE'S ACCOUNTS USING MY BUSINESS ACCOUNT. THIS PERSON HAD TO ENTER ALL OF MY ACCOUNT INFORMATION, INCLUDING NAME, ROUTING NUMBER, ACCT NUMBER AND VERIFY THAT IT WAS TRUE. THERE WAS OVER {$3600.00} REMOVED FROM MY ACCOUNT WHEN IT WAS DISCOVERED BY MY INTERNAL AUDIT. ONE PENDING WITHDRAWAL WAS STOPPED THAT DAY AND ONE XXXX RETURNED TO ME FROM BOFA, BUT THE OTHER 8 WITHDRAWALS ARE NOT RETURNED. I MADE POLICE REPORT TO XXXX COUNTY ( EVENT # XXXX, AND BOFA FRAUD CLAIM XXXX, AND XXXX TELLS ME THAT BOFA NOR SHERIFF REQUESTED THE NAME ON THE ACCOUNTS THAT STOLE FROM MY ACCOUNT. XXXX ALSO TELLS ME THAT BOFA BUSINESS FRAUD DEPARTMENT HAS NOT FILLED OUT THE ACH FORM TO GET THE MONEY RETURNED FROM XXXX. BOFA TELLS ME THEY HAVE SENT THREE REQUESTS TO XXXX TO GET THEM TO RESPOND TO THIS FRAUD. I CONTACTED OMBUDSMAN, XXXX, AT XXXX AND THIS IS WHERE IT STOPS. XXXX HAS THEIR ON LINE FORM FOR ACH PAYMENTS AND THIS PERSON USED MY ACCOUNT FOR TWO HOMES, ACCOUNT NUMBERS ( XXXX ) and ( XXXX ) NO ONE WILL FOLLOW UP FOR ME. I NEED THE MONEY IN MY 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 monetary relief
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this accounts, i'm not responsible for it. I believe that somebody used my personal information.

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 2022-06-14
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It is over 50Days that i disputed some items on my report as reported by your reporting Agency. i still do not have a response or report of investigation. 
- Incorrect name - Misleading Also Known As Name - Incorrect and Misleading Current Address - Misleading Previous Address. 
All the above and many more Unverified accounts that were not investigated or deleted if it was not investigated. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Consumer Collection Management. Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of XXXX XXXX XXXX on XX/XX/2022 with the renting property in great shape. Nothing was left inside or outside the property. We cleaned the place up as well and was never late on any form of rent. They are saying we owe {$2700.00} as of XX/XX/2022. We gave a months notice before we moved out. The {$400.00} security deposit was left behind.

Company response to consumer: Closed with explanation