BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XX/XX/2021 - Ordered two identical bathroom exhaust fan/lights from XXXX for a total of {$240.00} XX/XX/2021 - One of the two fan/lights was delivered by XXXX XXXXXXXX XXXX 3rd party carrier, XXXX Item was left on front door step. Went to carrier 's web site to seek info on delivery. No signature was requested by the carrier to document delivery, nor was a photo taken as proof of delivery XXXX POD ). 

XX/XX/2021 - Called customer service number for XXXX XXXX online sales to seek either credit for or replacement of the undelivered fan. XXXX XXXX customer service told me that carrier indicated that both items were delivered. I requested POD which was declined, as was credit or replacement for the missing fan. XXXX XXXX customer service told me to dispute the charge with my credit card company, Capital One. 

XX/XX/2021 - Called Capital One customer service to dispute the charge for the undelivered item. Assigned XXXX XXXX : XXXX. Was told forms would be sent by US Mail to document the dispute. Forms were NOT sent by postal mail, rather they were posted to my Capital One online portal as documents and were thus overlooked for over 2 weeks. 

XX/XX/2021 - Completed forms requested by Capital One to document the dispute and faxed them to the number designated by Capital One, seeking credit of {$120.00} for the undelivered fan/light. 

XX/XX/2021 - Received response from Capital One denying my dispute, stating that they had received " notification that goods were as described and received in good condition. '' XX/XX/2021 - Prepared and submitted to Capital One via facsimile a detailed rebuttal of the XXXX XXXX contention that goods were " received in good condition '' and requested either signature or photographic proof of delivery of both items purchased and that the credit in the amount of {$120.00} for the fan/light not delivered be restored to my Capital One account. 

XX/XX/2021 - Received notice from Capital One that my response " lacks all of the previously requested information needed to validate '' the dispute and denied my claim. Capital One instructed me to work with XXXX XXXX to resolve the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20
Company: CITIBANK, N.A.
State: CT
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:
Around XX/XX/XXXX I received an email from my Citi/Sears Mastercard for an offer of no interest for 18 months AND a 5 % statement credit for a single purchase of {$540.00} or more made outside of Sears with  an expiration of XX/XX/XXXX. On XX/XX/XXXX, I made a single purchase of {$700.00} of home heating oil thus fulfilling the offers requirements. When I received the Citi CC bill in late XXXX, they had split the charge into two amounts of {$260.00} and {$430.00}, thus making me ineligible for the offer. My first call to Citi on XX/XX/XXXX resulted in my being advised to call the merchant because " ... Citi doesn't control that ''. A call to the merchant, XXXX XXXX, on XX/XX/XXXX informed me that " We submitted a single charge of {$700.00} but sometimes the bank will split a large charge because sometimes the credit balance on the card isn't high enough '', or something to that effect. A call to Citi on XX/XX/XXXX ended after 10 minutes when the rep. hung up on me because I had difficulty understanding her accent. A subsequent call on XX/XX/XXXX lasted approximately 45 minutes during which " XXXX '' ( male ) tried to remedy the situation by telling me to have the merchant refund the charge and then resubmit it and ask the bank not to split the charge. When I pointed out that the offer had since expired, he agreed that would not work. I finally asked him " It is Citi 's fault that I did not get my 5 % statement credit so are you going to give me that {$35.00} I'm owed or not ''. He said he can't do that and I said then I will have to file a complaint and see what happens. If I may add a personal observation : I have noticed numerous examples in the past decade or so of people no longer having the ability to make decisions even when they agree with the customer. They now are put in the position of trying to convince the computer that makes the decisions that it should do what they want it to do. At some point we humans have lost control and now are secondary to the technology that now so dominates every facet of our everyday life. 
Attached is a copy of the bill ( which has already been paid in full ) showing the split charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XXXXXXXX XXXX, I sent a letter to XXXX XXXX opting out of two account reporting. They have not responded or complied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I disputed these accounts with XXXXXXXX XXXXXXXX XXXX XXXX  many times.The last time was XX/XX/2022. My name info is incorrect as well. My address is incorrect too.On XX/XX/2022 I put a fraud alert to secure my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A collections account XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed with all these accounts they do not belong to me, please. 
Remove. In accordance with the Fair hearing Reportingmay make Act 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse line of information other than records or condition

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 2022-05-24
Company: DISCOVER BANK
State: TX
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:
Dear Discover Bank Pursuant to The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of XXXX. You are in direct violation of my consumer rights. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I XXXX XXXX the consumer never gave Discover Bank any written, oral, air any other means of correspondence that they could share my personal information with any third parties. You have shared my personal private information including my name, social security number, address, phone number, account number and other personal information with several third party companies. Financial institutions found in violation face fines of {$100000.00} for each violation. XXXX, XXXX, XXXX are all third party non-governmental for profit companies. Please have my information removed immediately from their records and any other third parties in which you have provided my private personal information. You are also in violation of United States Privacy Act, as I gave you no consent to share any of my private information with these companies. They are not backed by, bonded or have any affiliation with any government agencies. 

All Rights Reserved Without Prejudice U.C.C 1-308, Notice To Agent notice knowledge U.C.C. 1-202

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Procollect INC tried to collect a debt that was not mine. They reported this debt to the credit bureaus knocking my credit down XXXX points. They replied to the last complaint saying that the debt was resolved but didnt report this to the credit bureaus. They lied about resolving this issue. I will be forwarding this complaint and their previous response to my attorney and the Texas Attorney General ( Midterms ) so that they can investigate their fraudulent claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Credit Corp Solutions Inc.
State: PA
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:
I was served papers that I was being sued by Credit Corp Solutions Inc. on XX/XX/XXXX. The only papers that I received was that I was being sued. I had no idea who the original creditor was. On XX/XX/XXXX I went to court in XXXX, PA at the Magisterial level. I was confused and not sure of why I was being sued. After Credit Corp Solutions Inc. attorney showed up ( a woman, I am unsure of her name because it was supposed to be XXXX XXXX, or XXXX XXXX that was representing Credit Corp Solutions Inc, through XXXXXXXX XXXX XXXXXXXX ), she showed me that the debt was through Care-Credit, XXXXXXXX XXXX. I stated that I was positive that the debt was paid and was not sure the reason why I was being sued for the debt. The debt that the attorney showed me, {$2800.00}, was different than the highest amount of debt ever on my credit report for Care-Credit, {$2700.00}, I was not able to prove that the debt was paid off already because I did not know what I was being sued for, before going into the courtroom. The Judge found me guilty because I could not prove my case. I then went home and looked at and printed out my credit report. My credit report shows that my Care-Credit Card was reported stolen in XXXX, that the card was closed, and that there is no missed payments on that card. I filed an appeal as soon as I got all of that information together. I have been trying to contact someone in either Credit Corp Solutions inc. or XXXXXXXX XXXX XXXXXXXX to take the false information off of my PA docket information, willing to show proof of the card being paid and closed on my credit report, but they will not give me any information or papers to prove that the account was bought fraudulently on their end and that my account has been satisfied since XXXX. I am trying to buy a house and they are holding the entire process up, and there is a huge possibility I could lose the house because of these false records. Everything that they have about the account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-07-06
Company: Experian Information Solutions Inc.
State: MI
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 asked Experian to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Experian has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and XXXX XXXX. I greatly appreciate your attention to this matter and assistance you can provide resolving the inaccuracies in 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 explanation
Consumer complaint received 2023-07-17
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 belongs to someone else

Complaint:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TX
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'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # 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 rights to privacy. 15 U.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 2023-02-28
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:
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. 

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, XXXXXXXX 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 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 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
These are not my accounts reporting.

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 2022-10-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/XXXX, but no response was ever received from you to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXccount Number : XXXX ; XXXX XXXX XXXXccount Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX ; XXXX  Account Number : XXXX ; XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation