BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CAP ONE NA '' I do not recall authorizing or " someone is using my identity ''. I understand that " RESIDENT VERIFY '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CAP ONE NA on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CAP ONE NA to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

CAP ONE NA - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CAP ONE NA '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: NY
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 errors date back to XX/XX/2019 to present. My credit ws XXXX with XXXX  and equifax and then it dropped more than 100 points without explanation. I have been a homeowner for 2 1/2 years with excellent payment history. I have leased a car for 2 years with excellent payment history. I hav no derogatory marks on my credit. There was a mistake by XXXX erroneously putting my account into collections. That eror should have been corrected by now. If the problem is not resolved ASAP, I will take legal action against XXXX and any other entity responsible for this mistake. I am a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My Transunion credit report shows a closed account for : XXXX XXXX XXXX XXXX Line of Credit Closed : XX/XX/XXXX Remarks : Chapter XXXX Bankruptcy Last reported : XX/XX/XXXX This account was actually closed in XX/XX/XXXX and discharged in Bankruptcy in XX/XX/XXXX. 

Because of the inaccurate reporting, I have been denied a mortgage, loans, credit cards, and have even been denied opening checking accounts. 

The way XXXX has reported this makes it look like I had a closed account 2 years ago and filed bankruptcy 2 years ago. 

As stated above, this account was closed over 12 years ago and discharged in bankruptcy over 9 years ago. 

XXXX XXXX XXXX XXXX should not be reporting this account at all due to the age of the account. 

I have reached out to XXXX several times. 3 times in XX/XX/XXXX, and once this past week. 

XXXX has confirmed with me that the account was infact closed in XX/XX/XXXX, not XX/XX/XXXX and that it was discharged in XX/XX/XXXX in bankruptcy. I have been met with great resistance though in getting them to correct the information they are reporting to credit bureaus. They have told me numerous things, just dispute it on my credit report, that they will take care of it, etc. Nothing has worked and as recently as XX/XX/XXXX they have not corrected this issue and misreporting and the item and the inaccurate information is still on my credit report. I have even gone as far as to dispute the information but XXXX validates it every-time and says what is being reported is accurate. 

We even have a letter from XXXX   confirming the account closure in XX/XX/XXXX " not XX/XX/XXXX '' and that the bankruptcy was in XX/XX/XXXX, this letter and the recent  communication has been attached.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 made numerous attempts to file an online dispute concerning false credit reporting items on my TransUnion credit report viewed on the TransUnion website. Every attempt the website did not allow the dispute to be filed and the error Dispute Temporarily Unavailable appeared. I called TransUnion customer support on number XXXX Saturday XX/XX/XXXX at XXXX XXXX to report the website does not allow a dispute to be filed malfunction due to an error Dispute Temporarily Unavailable. On Monday XX/XX/XXXX, I made attempts to file a dispute and the website did not allow the dispute to be filed. I made a screen capture of the error Dispute Temporarily Unavailable. I called TransUnion again on XX/XX/XXXX to file the disputes on number XXXX and TransUnion called me back from XXXX. I filed the credit disputes with the representative. I was given a confirmation number of XXXX. I did not receive any acknowledgement that the disputes are being processed or that the disputes are resolved. The false credit reporting items are still on my TransUnion credit report as of today XX/XX/XXXX. I attempted to attach the screen shot document to this complaint.

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 2019-10-21
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
I purchased a used car from dealership with my own financing on XX/XX/19. Dealership cashed 2 different loans for the same car, resulting in my debt to income ratio been higher and showing multiple loans. Original purchase was {$25000.00} and dealership accepted twice the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: Collection Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did not receive any communication from this company regarding the debt, but they posted a collections account on my credit reports with all three reporting agencies. I do not owe the amount, and have EOB 's from my insurance providers showing that I did not owe the supposed original creditor anything at that point in time. The collections agency has stated that they are unable to substantiate the amount owed with any sort of proof, but is unwilling to remove it from my credit history unless I pay it. Normally, I would just pay for something this small, but I'm furious that they would post derogatory marks on my credit history without ever contacting me in the first place. I would like this collections agency to be investigated for such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 2020-04-22
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}, {$3200.00}. 
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 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not 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 explanation
Consumer complaint received 2019-12-30
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
This is for my son 's auto lease of which I am a co-signer. 

My son leased a new car through Honda in the spring of 2019. He XXXX  in the XXXX  ( XXXX XXXX XXXX ) in  XXXX of 2019 with orders to report for XXXX XXXX/XXXX XXXX  on XX/XX/2019. He received a memorandum/letter from the senior enlisted member of his recruiting depot for early termination of his auto lease, through the XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. He was instructed to make direct contact through Honda Financial for specific instructions on early lease termination, which he did. Honda requested a copy of the XXXX early lease termination letter from the XXXX XXXX, which he emailed to his contact at Honda Financial on XX/XX/2019. He also spoke at length on two separate occasions with his contact at Honda Financial in regards to when and where he should return the vehicle. He was assured by Honda Financial that they had received the termination letter and, all he needed to do was return the vehicle to the dealership at which it was leased, a few days before departing for XXXX XXXX XXXX XXXX. The vehicle was returned to the Honda dealership on Saturday XX/XX/2019, the dealership recorded the odometer reading and had him sign the termination paperwork and stated that they would send the paperwork to Honda Financial. 

My son then left for XXXX XXXX XXXX XXXX on Tuesday XX/XX/XXXX th 2019, several weeks latter Honda contacted me stating that they did not have the correct paperwork and could not reach my son. I informed Honda that he is not able to have outside communication while in XXXX XXXX. I asked them to contact his XXXX XXXX recruiter if they felt that the paperwork from the XXXX XXXX was incorrect. At the beginning of XXXX Honda Financial contacted me again stating that they did not have the lease termination paperwork and that we now owed Honda Financial for the XXXX and XXXX lease payments, and that furthermore the XXXX payment was considered delinquent and been reported as late to the credit bureau. At this time I made the payments for XXXX and XXXX totaling {$450.00}, payments for a car that we no longer were in possession of and had been returned to Honda per their instructions. At this time the representative stated that once the payments were made and the account brought current no further action on our part was needed. 

Around the XXXX of XXXX I received yet another call from Honda Financial stating that they still needed the termination paperwork signed and the odometer reading. I called the dealership for the odometer reading which they passed along to Honda Financial, I signed the termination paperwork and faxed a copy as well as mailed a copy to Honda Financial. The Honda dealership has stated that they were told by Honda Financial in XXXX to hold onto the lease termination paperwork until Honda Financial requested it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23
Company: JPMORGAN CHASE & CO.
State: MI
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:
Chase sends emails out to its customers offering a promotion to sign up for " Chase Pay '' and use it on XXXX and receive 10 % cash back on up to {$250.00} in purchases. However, as soon as one goes to use Chase Pay on walmart.com, Chase instantly freezes the user 's credit card account. I 've never had a problem with this credit card ( the one tied to chase pay ) being declined or had a fraud alert placed on it and have made significantly larger purchases using the card, but as soon as I attempt to make a small purchase with Chase Pay tied to this card, it gets frozen? This freeze by Chase requires a lengthy set of phone calls talking to numerous departments at Chase and answering dozens of questions. Then they often put a review on the account that can take up to 10 calendar days to respond to you. This happened to not just me but is attested to by at least a hundred users on various financial forums such as XXXX. It seems this is a form of false advertising as Chase offers a promotion and then when you attempt to use, they freeze and even lock your account so you 're unable to use the promotion before it expires. I just had my account frozen and the anticipated removal time is conveniently enough 2 days after the promotion ends. Very deceptive marketing by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding capital one via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from capital one asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and Capital One, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I contacted Ally Financial Auto Leasing twice before turning in my leased vehicle. I wanted information on how to turn it in early and what the cost would be. I was given all the info I needed and was given a payout cost, which was satisfactory to me. On XX/XX/2019, I turned in the vehicle to a local dealership. As I was turning in the car, I was on the phone with an Ally representative. The representative again told me exactly what to do, then she talked with the salesman and a manager to get some necessary information from them. I signed the odometer statement, per her instructions, and gave over the keys to the dealer. Since that day, I have received multiple calls from Ally bank claiming I was past due on payments. I called them back, multiple times, entered into an online chat, and sent them emails, trying to rectify the situation. Each time I contacted them they claimed they didn't know I was turning in the vehicle, claimed they didn't have any information about the dealer I turned it in to, and claimed I was past due on my payments. Today, XX/XX/XXXX, I called them yet again ( I believe for the 7th time ) to try and get this situation rectified. I asked for a supervisor, waited on hold, then talked with a supervisor. He said that he couldn't help me and that I had to talk a different department. He transferred me, I was on hold for 15 minutes or so, then the new department picked up. Less than a minute into the conversation she hung up on me - no one called back. 

After 30 days, seven phone calls, one lengthy online chat, and a couple emails, Ally still hasn't picked up the car I turned in. I did everything they asked and gave them answers to all of their repeated questions, yet still they haven't picked up the car and closed my account. I'm concerned my credit rating will be affected since they keep claiming that I haven't turned the car in and that I am behind in my payments. All they need to do is what they originally promised : They need to pick up the vehicle and send me a bill for the residual owed amount. I have no idea how to get them to do this.

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with Transunion, XXXX and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.

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 2019-10-21
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have Citi Bank Checking account with check writing facility. The bank send me the check book, but they did not send me check activation form. I have contacted them 4-5 times ( phone & online banking chat ) but no solution. They keep frustrating and i can't do high amount transfer, especially when they have no branch in Texas. They also don't give me anyway to escalate it!

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 2019-12-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I became aware that a PayPal Credit Account was opened and used with my personal information at once I contacted the Bank `` Synchrony Bank '' to report the fraudulently opened account. A week later I received a fraud affidavit form and I then completed its entirety mailed it back to Synchrony On XX/XX/2019 I received a telephone call regarding the complaint the investigator mentioned various transaction which was fraudulent. 
On XX/XX/2019 I received a letter denying my fraud claim for, 1 ) Customer failed to cooperate with reasonable investigation 2 ) Customer released account information to a third party 3 ) Customer accepts responsibility for the charges All of which are not True I have made numerous efforts to get the fraud claim resolved.

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