BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Capital One, XX/XX/23 I am writing to formally dispute a charge on my credit card statement related to a purchase from XXXX. I am requesting that the charge be reversed due to misleading information, failure to honor their stated return policy, ongoing difficulties in completing the cancellation request, and technical difficulties encountered during the return process. 
On XX/XX/23, I purchased XXXX concert tickets from XXXX for an event. Their website clearly stated that the tickets were returnable up to 3 days before the event date. However, circumstances changed, and I needed to buy an additional ticket while ensuring that all three tickets were in the same section. To achieve this, I returned the original XXXX tickets and placed a new order for XXXX tickets on XX/XX/23. 
Despite adhering to XXXX 's return policy, I did not receive a refund for the original XXXX tickets. Instead, XXXX offered me a promo code to use at a later date on their website. This resolution is unsatisfactory for several reasons. Firstly, I already met the terms of their return policy by placing a new order for XXXX tickets, effectively using the amount from the original order towards the new one. Secondly, I have no use for the extra XXXX concert tickets and do not wish to engage in the business of selling tickets. Lastly, I have no intention of making future purchases through XXXX, rendering a credit on their website worthless to me. 
Furthermore, I encountered technical difficulties while attempting to complete the return process, which resulted in the return not going through as expected. Despite reaching out to SeatGeek.com for assistance, I was informed that they were not obligated to refund my tickets, even though I made a genuine effort to return them within the specified timeframe. 
These circumstances have caused me significant frustration, financial loss, and wasted time. I trusted XXXX 's advertised return policy and acted in good faith, only to be denied the refund I am entitled to and faced with ongoing obstacles in completing the cancellation request. 

I have made multiple attempts to resolve this issue directly with XXXX, but they have been unresponsive and uncooperative. Therefore, I am seeking your assistance in resolving this dispute. I firmly believe that the charge for the returned tickets should be reversed, given the misleading information, the failure to honor their return policy, the technical difficulties encountered, and the ongoing difficulties in completing the cancellation request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17
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: Account status incorrect

Complaint:
On XX/XX/2021, Transunion is reporting I had a XXXX XXXX XXXX. I never had a XXXX XXXX. This is still showing on my credit report and it is not accurate information. 
After XX/XX/2021, If Transunion, XXXX and XXXX  continue to report inaccurate information. I am going to request in court a lawsuit against these companies for XXXX and all of the lost opportunities which are afforded with my credit. 

I have given longer than 60 days with disputing information on my credit report. I want the information 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 2022-09-28
Company: Experian Information Solutions Inc.
State: TX
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2019 I sent a letter to Transunion ( see attached letter to Transunion ) regarding a listing on my credit report for XXXX XXXX XXXX with a balance due of {$710.00}. I had made several attempts to contact XXXX XXXX XXXX, however the phone number listed for them on my credit report is no longer in service, as well as a phone number I found for them online. I then tried their website, however the website is no longer active. I have no way of contacting them to resolve this issue, yet they continue to report this account which is negatively affecting my credit ( see attached screen shot from XXXX  credit report ). 

Yesterday ( XX/XX/XXXX ), I received a letter from Transunion stating they contacted XXXX XXXX XXXX  who verified the information on my credit report was accurate.If I can't find contact information for XXXX XXXX XXXX, how was Transunion able to contact them and verify the information on my report? 

I phoned Transunion yesterday after receiving their letter to inquire how this account was verified since they have no active contact information. I requested Transunion remove the account since I have no way of contacting XXXX XXXX XXXX, and have no way of resolving this account. The only solution I was given by the Transunion agent was to submit another dispute. 

Since the number listed on my credit report for XXXX XXXX XXXX is disconnected, and I notified each of the three agents I spoke with about this incorrect error, Transunion is willfully reporting inaccurate information on my credit report in violation of the FCRA.

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 2023-06-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the about of {$1800.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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: Experian Information Solutions 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 information incorrect

Complaint:
I have reported that my balance with XXXX XXXX XXXX is showing incorrectly on my reports and yet no update has been made to show the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CARS Acquisition, LLC
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received my credit report the beginning of XXXX and it showed a drop XXXX points. When I looked into this I found out that XXXX XXXX XXXX Who I bought my 2007 XXXX XXXX through, had falsely reported to the credit Bureau that I had missed a payment in XXXX I sent them bank statements and receipts and still they refused to remove or change it. I disputed this twice with credit karma and once with XXXX XXXX directly, I still have had no luck despite providing all the proof even receipts from the car financial that they received payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
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. 

Account name : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I GOT VERY SICK AND ENDED UP IN XXXX AND COULDNT PAY MY BILLS..I RECIEVE A PAY LOAN FROM XXXX XXXX OF XXXX AND I PAID XXXX BACK, AND THEN I GOT ONE TO PAY ANOTHER LOAN OFF AND GOT XXXX AND OWE OVER XXXX BACK, I THOUGHT I WAS TOLD TO PAY XXXX A MONTH BUT IT END UP BEING XXXX A WEEK AND THEY ARE ALSO CHARGING ME INTEREST PER DAY AND IT IS NEVER GOING DOWN, ,I GOT ANOTHER ONE FROM XXXX XXXX OF XXXX $ AND FOR ALMOST TWO MONTHS NOW.. HAVE PAID XXXX $ EVERY TWO WEEK AND THEY TOLD ME THAT IS NOT MY LOAN IT IS JUST INTEREST AND IM NOT PAYING ON THE LOAN. I GOT ONE MORE TO TRY AND MAKE END MEET FROM XXXX XXXX   OF XXXX $ AND THEY GOT ME PAYING XXXX EVERY TWO WEEKS 10 TIME BEFORE I PAY THAT ONE OFF, I KNOW I OWE ALL OF THESE BUT I WILL NEVER PAY THEM OFF, ,ALL IM ASKING IS FOR A SMALL MONTHLY PAYMENT SO I CAN PAY ALL THAT I OWE..I HAVE PAID MORE THAN ENOUGH ON ALL THREE BUT I ALSO AGREED TO PAY.PLEASE HELP ME.

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 2023-10-16
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 Direct Express let XXXX take XXXX from my account for a year and half while i had no XXXX XXXX to use the XXXX account. i was homeless and on XXXX. i called to find out where the money was going and was asked to provide proof to the bank that i had no way of using the service i was being charged for. i explained imXX/XX/XXXXhomeless and dont even have a place to plug a video console in. I asked XXXX through a call and email to immediatly stop taking the money from my account. they continued to do so for XXXX months in XXXX of 2023 i furnished proof of the emails to the bank showing that XXXX stated they would stop despite still taking money. Direct express uses a joke of a dispute process for thier customers to go through because they profit off sending out new cards. XXXX recently took XXXX from my account unauthorized. I immediatley called on a recorded line so they say. They specifically asked if i wanted my card cancelled i said no and they cancelled it anyway. i was not able to be refunded the money then. they asked if i wanted time to get my last XXXX out then they would cancel it i said yes for sure and they cancelled it anyway. i was told i would be charged XXXX for a new card i was charged XXXX total. i furnished copy of a police report id and an affidavit as they had asked for spoke to numerous supervisors. this happend on the XXXX of the month and i still do not have my money back. how is money federally insured by and through federal benefits and this company gets away with letting people steal from XXXX individuals so they profit.. i would like to know how many new cards they send out a month due to their own purposeful negligent " mistakes ''. THEY then had my card declined while trying to get gas on the XXXX with money in there. that is now conveniently on a hold and my account is XXXX  i have to wait for that is well. why do i have to suffer because of their purposeful negligence? When does it end. where is money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On my credit report from Experian it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated as of XX/XX/2021.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 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 2023-10-16
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent a wire transfer from Dime Bank to XXXX for XXXX. A week later I was informed by the company who was to receive it that they never got it. I contacted my bank and let them know. A few days later they said XXXX had requested the correct account number which was off by a digit when sent. I provided the correct account number and thought all was fine. XXXX again asked for the account number and it was again provided. Still my supplier never received the money. I was then informedly my bank XXXX was returning the money to me and I would have the money back in my account. That never happened. In XXXX I was informed by the branch manager that the bank attorneys were involved and they were going to handle this. I learned on Friday from the regional manager no bank attorneys are involved and that basically there was nothing else they could do. He told me I verbally provided the incorrect account number which was a lie. I provided a printout which had all the correct information on it. Myself and the Clerk signed it, as well as the branch manager who later approved it and sent off. I have been mislead from the start as to what was happening. I have been more than patient and would like them either hire the bank attorneys that they said were working on this and refund my money. After banking with them for 32 years I expect more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Six fraudulent credit card applications were being processed by Bank Of America using my Name, Date of Birth and Social Security. They were stopped only because I have a freeze on all of my credit agencies. However I consider myself a victim of identity theft as all of my important information is being used against my will. 

One of the addresses that a credit card was being sent to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
This is to report a false advertisement and a mail fraud thru U.S. Postal Service, violations committed by M & t bank. 
Attachments are an offer to me at my address thru U.S. Postal Services. ( Page 2 ) Get a {$300.00} bonus cash bonus. See page 5 for details. 
Open a XXXX XXXX account at M & T branch by XX/XX/2019. 
Maintain an average monthly balance of at least {$10000.00} for the calendar month of XX/XX/2019 and XX/XX/2019. 
Your {$300.00} cash bonus will be credited by XX/XX/2019. 
On XX/XX/2019, Mr . XXXX XXXX spent more than an hour calling the center to get a code in order to open this account. 
On XX/XX/XXXX I called the XXXX to inquire about the {$300.00} bonus, after more than 40 minutes I was told there was no promo code and that I had to go back to the branch. 
On XX/XX/XXXX about XXXX XXXX I was at the branch asked MrsXXXX XXXX XXXX to talk to the branch manager, she stated the manager is busy and she could help. I informed her that I was closing the account by the XX/XX/2019 but, according to my previous inquiry to the call center, there is an issue with my bonus despite the fact a valid code was given to Mr . XXXX XXXX at the time of the opening the account. 
I presented her with a copy of the offer ; she spent about an Hour talking, I suppose to XXXX XXXX at XXXX XXXX NY, XXXX who at one point alleged a fraudulent or suspicious mail offer which I quickly challenged her. Then I was finally told by Mrs. XXXX that everything was escalated and I was assured everything is straightened out, and that she is on the top of it. 
Next morning Mrs. XXXX left a message at XXXX XXXX to call her exhibit ( page 3- exhibit : A ). When I called she stated the call was to assure me again that she is following up on the issue. I called her back again to remind her XX/XX/XXXX is the date. 
On XX/XX/XXXX I had to spend about half an Hour ( see calls attachment ) on the phone with Mrs. XXXX and also the branch manager regarding this, finally I alert them both, in an event the {$300.00} is not in the account by the XX/XX/XXXX the bank is in violation and that I would have no choice but to report to regulators. Mrs. XXXX, who had ignored me in the past, condescendingly stated : THAT IS YOUR PREROGATIVE. 
As of today, I have kept the account only open to receive the advertised bonus ; the {$300.00} has not been credited, but an amount of {$24.00} has been deducted for a service charge. 
The amount of time I have spent on this clearly shows many inconsistencies which substantiate intentional fraud on the part of M & T bank which unfortunately makes a bad name for the banking industry. 
Sincerely,

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