BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I made a purchase online with XXXX XXXX XXXX XXXX for {$310.00} and {$14.00}. I returned entire order to company but they refused to pay me my refund. I put dispute in with Capital One. Once decision was made by Capital One to chargeback {$310.00}, one of the two purchases, I uploaded letter to Capital One dispute department on XXXX. Included with letter was all the emails, purchase order, XXXX letter, and Return policy. 

Capital One replied that I was denied due to XXXX XXXX XXXX said they had " Confirmation showing No Cancellation policy received ''. I called Capital One to tell them that was not true and to refer to the emails XXXX XXXX XXXX sent me confirming they would refund my money once order was received as well as to look at my purchase order showing nothing about Cancellation policy, only the return policy. Capital One replied, " at time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim.If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. '' I then emailed XXXX XXXX XXXX asking for a copy of the Cancellation policy. Their reply was a link to the Return Policy. So I sent in another letter to Capital One along with XXXX  XXXX XXXX XXXX reply email, not being able to show me Cancellation policy. I was denied again by Capital One. 

Why isn't Capital One asking XXXX XXXX XXXX for a copy of their Cancellation policy? 
And, why did I get refunded for {$14.00}, but not {$310.00}? 

So end result, Capital One denied my dispute to refund me for remaining balance, {$310.00} to my Capital One Quick Silver Credit Card. I have also filed a complaint on XXXX XXXX XXXX with California State Attorney General and trade commission. 

Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payment due XX/XX/XXXX. The payment was not delivered on time and I was assessed a {$50.00} late fee by my landlord. 

The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement. 

On XX/XX/XXXX I sent a message to the bank with the details of the missing payment and a copy of the statement showing the late fee that was charged. Ally Bank responded on XX/XX/XXXX saying that review of the documents " should be complete within 3-5 business days ''. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request and the representative said that no information was available but that should would request further action and that I should expect a response within a week. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request again and got the same story no information was available, but expect a response within a week. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request and was told that the request had been closed without anyone notifying me. The representative said that the request would be reopened and that I should expect a response from the bank within a week. 

On XX/XX/XXXX I received a call from the bank requesting additional documentation ( specifically a copy of the lease showing the payment due date ). I submitted this documentation on XX/XX/XXXX, and on XX/XX/XXXX received a response requesting that I " Please allow 7-10 business days for this to be processed ''. 

Now, ten business days later, with still no response, and ten weeks after my original request, I am escalating this issue to the CFPB. 

The reference number for this issue provided by the bank is 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 2023-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} LA XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Since XX/XX/2020, we not only as a country, but the world has been affected by Covid. I had still managed to pay but note. But after multiple requests from XX/XX/2020, until now, the company has ignored the CARES act in offering assistance with my loan. I have spoke to over 20-30 agents. For a while it was literally someone new every time once my original account manager left. She was amazing! Her communication, humanity was unspeakable. I will commend XXXX I believe as well. This whole ordeal has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-04-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Rushmore Loan Management falsified all legalities and did so in a response letter. I seek all legal action to the highest. See attached response to myself and my wife as the letter is only addressed to her. All information from Rushmore is fraud. My loan was identified in class action lawsuit XXXX versus XXXX. At no point is this so called debt legal as XXXX was found guilty of fraud. I seek see below ( statutory damages under the FDCPA and RESPA, and restitution damages and losses from Rushmore Loan Management for allegedly unlawfully profiting by acting as an unlicensed mortgage servicer. ) My wife is legal party of interest and legal owner of said property from Deed legally registered with Title insurance also containing both names dated XXXX XXXX. See attached response that clearly states " this is an attempt to collect a debt '' this matter was found fraud in court of law XX/XX/2020. 
This is now a criminal charge of fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed XXXX {$82.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX : {$82.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : XXXXXXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # 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
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is in violation of so many FCRA codes its insane. 

They are receiving the letters requesting incomplete and inaccurate information on the XXXX XXXX XXXXXXXX credit report to be removed. I puzzled how an account can be reported as past due and yet be " charged off ''. A person shall not furnish any information relating to a consumer or consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian is reporting this false information without my consent and it is affecting my livelihood. They go on these public websites and extract information and sell it for profit as if I do not have a right to privacy. Moreover, credit may not treat a payment on a credit account under an open ended consumer credit plan as late for any purpose yet they continue to put these negative marks on the credit report. I have no choice but to file suit.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am writing to file a complaint against XXXX XXXX regarding their inaccurate reporting of my credit card information to Transunion and their failure to correct it in a timely manner. This issue has caused significant financial harm to me, as the missing account information has negatively impacted my credit score and potentially affected my ability to obtain credit. 

On XX/XX/, my XXXX XXXX account information was deleted from Transunion, leaving me with only one credit card account, which negatively impacted my credit score. 

On XX/XX/, I immediately reported this issue to XXXX XXXX and requested that they correct the issue and report the account accurately to Transunion. However, XXXX XXXX has not taken any corrective action within the 30-day deadline ( reported XX/XX/XXXX  ), as required by the Fair Credit Reporting Act ( FCRA ). This is a serious violation of the FCRA and has caused me significant financial harm. 

Today, XXXX XXXX  account information is still entirely missing from Transunion. At the same time, this XXXX XXXX account does exists on XXXX and XXXX. Keep in mind that XXXX XXXX  company policy is " Report to all 3 credit bureaus EVERY MONTH for all credit card customers. '' My account should be reported as well just like everyone else. 
But still missing on Transunion no matter how many times I contact XXXX XXXX. I was told by XXXX XXXX  " everything is reported accurately. '' each single time I contacted XXXX XXXX about this issue. I reported to XXXX XXXX  in accuracy and even showed XXXX and XXXX Report showing my account information. XXXX XXXX  ignored my dispute. 

As per the FCRA, it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. XXXX XXXX has failed to comply with this law and has returned the dispute with unfixed, incorrect information, which does not count as a resolution.

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 2023-04-01
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card under an open consumer credit card plan as late to 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 explanation
Consumer complaint received 2023-04-01
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Had launched complaint about Pedfed Credit Union, they responded with false information to me that can be proven with documents provided to me by PenFed Credit Union. Stating my payments were adjusted to {$990.00} after insurance was dropped in XX/XX/XXXX, but I have records ( Example ) showing on XXXX XXXX XXXX my payments was {$990.00}, and at beginning of my Home Equity Loan was {$990.00}

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 2023-04-01
Company: Experian Information Solutions Inc.
State: CT
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/XXXX I wrote a letter asking the credit bureaus to investigate this account XXXX XXXX XXXX  Account Number XXXX but I recently noticed another today on my XXXX credit report by XXXX XXXX Account number XXXX on my credit report because I saw several errors on my credit reports far as names, addresses, numbers and employers.I seen 2 weeks passed I didn't hear a response I figure it maybe got lost in the mail so I sent it certified mail I have the reciept with the tracking number that I will upload, The credit bureaus have yet to respond and it has been more than 30 days and I have not gotten one piece of mail with a response also I was currently incarcerated and did not come home until XX/XX/XXXX these account where open while I was incarcerated how is that possible this grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 2. The Law clearly states I have the right to privacy and states that a consumer reporting agency can not furnish an account without my written consent or instructions. I have not given these accounts written permission to furnish these accounts on my credit 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 non-monetary relief
Consumer complaint received 2023-04-01
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) through XXXX XXXX XXXX and STILLMAN LAW OFFICE LLC filed, without any attempts to deliver notice to me that I may have sufficient time to answer in a timely manner, a civil action filed with subterfuge in violation of State and Federal law. If not for the receipt by USPS mail of an unsolicited advertisement from a XXXX, Maryland area attorney, I would have not know about the civil action XXXX, XXXX, and STILLMAN caused to be filed in the DISTRICT COURT OF MARYLAND FOR XXXX XXXX four hundred thirty ( 430 ) days after the statute of limitations had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX XXXX made a hard inquiries without my knowledge of and any express consent from me the account Holder known as Holder In Due Process. These inquiries are unauthorized and considered as fraud, I have notified both Equifax who fail to conduct a proper investigation and failed to provide me with a full disclosure of both the investigation and proof of accuracy of the information and XXXX who claim that they do not have or could not locate my information in their database. This has been an on going battle that should not occur in any circumstances as I the Holder In Due Process do not authorized or consent to contract with either of those companies.

Company response to consumer: Closed with explanation