BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
This company has violated my consumer rights in many occasions. 

Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) it states, " the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''. This means, that late payments, charge-offs, repossession, should not be included on my report as those are transactions and experiences.

Pursuant to 15 USC 1601a states " The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. '' Their obligation to inform me with the disclosures, has not been fulfilled. Hence, making an uninformed decision because it was not clear nor explained adn the contract became null and void when this was law was not exercised. 

Lastly, I have a right to privacy! This " chargeoff '' being placed on my credit report has stopped me from being able to purchase a vehicle without a cosigner and it is a DEFAMATION OF CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
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: Old information reappears or never goes away

Complaint:
Equifax XXXX XXXX continue to negatively report my status with XXXX XXXX Bank. I launched a dispute with XXXX XXXX Bank who agreed they were in the wrong in 2019. They corrected the information with XXXX, but Equifax XXXX XXXX are still reporting this negative information even though XXXX XXXX Bank has agreed the issue is null. I have been battling this negative reporting of XXXX XXXX Bank against me for almost 7 years- and I worked with them and PAID OFF the account and this is how I get treated!!! It's time to get this information off of my report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reached out to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 2023-09-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Even after make a complaint I still was not allowed to access my own credit bureau file they say I can not XXXX  verified

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 2021-08-03
Company: Paypal Holdings, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a bill was created and delivered XX/XX/XXXX to my address of around {$1800.00} and I am unaware with this bill from PayPal Inc. however the company billing this was XXXX XXXX XXXX XXXX. The company XXXX sent me a letter in the mail for this amount, and I am unaware of this bill. PayPal has not made any communication with me, and my credit card report looks okay. However when I called XXXX I did give them my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/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 explanation
Consumer complaint received 2022-11-29
Company: WELLS FARGO & COMPANY
State: NY
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/2023 I sent someone on XXXX {$1300.00} for a bag. After the money was sent they blocked me and I never received the item I paid for. I filed a claim with my bank, Wells Fargo bc the money came from my checking account but they denied my claim. The Wells Fargo representative who helped me file my claim said I would be able to get my money back but the following XXXX they denied it and I did not get my money back and they said it was my fault.

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 2022-09-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is reporting wrong information on my report. This debt has been on my credit since XXXX and it seems that every year they change the reported date to the year we are in. That is fraud. Also they are showing on all three credit Bureau as three different negative accounts that incorrect and since XXXX They are listed negative twice as XXXX and once as the collection agency that bought the debt. I have been reporting this to be corrected.

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 2022-09-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX is reporting wrong information on my report. This debt has been on my credit since XXXX and it seems that every year they change the reported date to the year we are in. That is fraud. Also they are showing on all three credit Bureau as three different negative accounts that incorrect and since XXXX They are listed negative twice as XXXX and once as the collection agency that bought the debt. I have been reporting this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: MD
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:
n 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 the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
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: Account information incorrect

Complaint:
XXXX is reporting wrong information on my report. This debt has been on my credit since XXXX and it seems that every year they change the reported date to the year we are in. That is fraud. Also they are showing on all three credit Bureau as three different negative accounts that incorrect and since XXXX They are listed negative twice as XXXX and once as the collection agency that bought the debt. I have been reporting this to be corrected.

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 2022-06-27
Company: Santander Consumer USA Holdings Inc.
State: TN
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 have wrote you over 30 days ago via mail to send me the method verication that I owe this debt. 
15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2021, I came across an offer to apply for a credit with an incentive to receive a {$200.00} statement credit reward if I charged {$500.00} to the card within the first 90 days of the account opening. 

I was approved for the card, received it and proceeded to comply with the offer and completed the transaction as required by the offer. 

When the credit did not appear on my account after a considerable time, I began to call to inquire and received no satisfaction at all. 

I the wrote to the bank 's home office and received no reply, wrote again to see if they received the letter and still no reply to date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I send documents to Capital one requesting they send me the audit trail, and detailed documents that i specifically requested associated with my account. They received this malling through Certified mail # XXXX on XX/XX/XXXX it has been 8 full business days since they received this malling and yet to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been applying to housing & car loans between XXXX. Since XXXX TransUnion hasnt changed information on my credit report pertaining to applications. I was also in late XXXX had an emergency in where I froze my credit and my credit wasnt froze. All Data is electronically stored on my credit reporting inquires and history timeline.

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 2023-11-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a payment due of {$46.00} on XX/XX/XXXX. I forgot about it because this isn't the card I use for regular charges. I got an email reminder on XX/XX/XXXX and made the payment on that day. They charged me {$32.00} in late fees and interest. When I called to ask them to remove the charge, they refused. I understand a small fee for a slightly late payment, but they are over 70 % of the original charge in fees for being three days late. I think that's obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: LA
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 recieved a copy of my credit report and noticed inaccurate information on my report. EQUIFAX is reporting an duplicate account which also have inaccuracies and this is hurting my credit rating. Account XXXX in derogatory status with a balance reported XXXX and account number XXXX a open status with a reported balance of XXXX. How can this account be reported twice on my account as opened & derogatory? On XXXX XXXX  I mailed a letter requesting EQUIFAX to investigate these accounts and inaccuracies and their response was that the accounts were accurate and verified. On XX/XX/2022 I also requested the furnisher XXXX XXXX XXXX  to provide me with proof of debt, evidence to collect this debt and account history including collection activity. It has been over 30 days and I haven't gotten a response. On XX/XX/2022 I requested EQUIFAX to provide me with proof of debt and to reinvestigate and on XX/XX/2022 they responded that the debt was verified again and didn't provide any proof. EQUIFAX is in violation of SECTION 15 U.S. CODE 1681I ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFOMATION. ALSO PURSUANT 15U.S.1681B ( A ) ( 2 ) FALIURE TO FUNRISH INFORMATION IN ACCORDING WITH WRITTEN INSTRUCTION TO WHOM IT RELATE. EQUIFAX IS ALSO IN VIOLATION TO SECTION 623 FOR DEFAMATION, WILLFUL INJURY. THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Through the CARES act, I requested a refund of student loan payments made during the Covid-19 pandemic. I made my original request in XXXX of 2022. My servicer was XXXX and was transferred to Aidvantage. I have called several times to get status updates and have received contrasting information each time. My last contact with aidvantage Informed me that my request was not yet moving forward because of a lack of information from XXXX and was told that it would take several months ( from XX/XX/XXXX ) to receive a refund. I have no way of knowing if my request is actually happening and when I might receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Due to my current knowledge I have discovered that according to Title 15 US 1605, I was a victim of false and misleading information, and denied my own credit through the consumer auto finance company Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1605 Determination of finance charge 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: VA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bankruptcy, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 explanation