BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I accidentally sent two payments to my credit card company to settle an existing balance on the card. I contacted Capital One to have the overpayment refunded to me on XXXX. They agreed to send a check using US Mail that day.

After two weeks, I still have not received my money.

Given that this missing money is a major hit to our finances, I checke
d in numerous times with Capital One this past

week to track the progress of these missing funds or to find out ( sooner rather than later ) if there was a problem. Each time I called or online chatted, I was always told the rep had researched the issue and was assured the refund had been processed. Every time I was told I had no choic
e but to keep waiting until its anticipated arrival on or before the 10th business day.

No tracking information was ever available, and no explanation was given why USPS First Class mail took 10 days to find its way between two major cities when in real-life it normally takes 2, maybe 3 at the most.

Meanwhile there was no indication on my online account to show that this payment had been processed or sent, but the online reps told me I just had to wait.

Also, Capital One insisted " business days ' were Monday through Friday, even though the delay ( supposedly ) was the result of USPS service which operates *6* days a week. This meant we had some disagreement about what date was actually the " 10th '' business day - although that eventually turned out to be a moot point. 

" XXXX XXXX '' was the third representative to discuss the problem with me today. After nearly an hour, he finally confirmed the check **was never sent in the first place** despite repeated assurances to the contrary by previous representatives. 

He offered to mail me a refund check by US mail which would take - surprise, surprise, 10 business days. This will have left me without my money for nearly a month. I asked for further assistance since he seemed unable or unwilling to take the obvious corrective steps. I was told he couldn't do anything and someone else would have to call me for further assistance. But, to get this assistance, but I'd have to wait yet ANOTHER 48 hours.

Unsurprisingly, 48 hours passed ( yesterday ) and no call from Capital One. 

I called again today and after several escalations was told I would have to wait for someone from their Executive office to contact me later. So ... another delay. 

Capital One continues to hold my money against my explicit instructions and wishes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: AL
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:
On XXXX XXXX I sent a letter to the credit reporting agency via certified USPS tracking numbers XXXX, XXXX which was received on XX/XX/2022 at each location. When I called the agency I was told no letter has been received. I know the USPS tracking service is accurate which leads me to believe the credit reporting agencies are failing to comply with my request. I have inaccurate information reporting on my report that is illegal per the IRS. I would hate for the company to find themselves in more legal issues for allowing this to be reporting when it is a violation of the fair credit reporting act. 
I have inaccurate accounts still being reported on my consumer report that this company has failed to delete as it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. Remove this information from my consumer reports immediately. Account # XXXX Account # XXXX Account # 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 2021-11-21
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, MONTEREY COLLECTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " XXXX '' MEANS THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE XXXX XXXX XXXX XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( XXXX ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. MONTEREY COLLECTIONS HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. MONTEREY COLLECTION REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered a tripod on XX/XX/XXXX for {$24.00} and paid another {$19.00} which is aprox 79 % of the total item cost for expedited 2 day shipping. I still to this day have never received the item and I can clearly see it was damaged by XXXX and the delivery was delayed with no update on when this item would be delivered. I called Best Buy approximately a week after I was supposed to receive my item and requested to at least be refunded the expedited shipping fee since I still had not gotten my delivery. I was told a refund would be issued within 24hrs. That never happened and I still have the entire amount charged to my Best Buy Visa Credit card. Today on XX/XX/XXXX at aprox XXXX I called again and was disconnected but received a call back from the Best Buy representative at XXXX and was on the phone with a Best Buy representative for another 27 minutes demanding a refund. I was told by the rep he could not issue a refund and that on his screen the item was delivered which is an obvious lie because Im looking right at the XXXX tracking information which clearly shows the item was damaged and the delivery was delayed with no additional information available. This male phone rep then blatantly lied to me and said that they do not have supervisors when I asked for a manager. I then said I do not believe he doesnt have a supervisor so he then said he didnt know when a supervisor would be available and that a supervisor cant help me anyway. This practice is absolutely absurd and a customer can not be forced to make payments on credit card charges for an item that was never received. My Best Buy card is a visa logo credit card that falls under consumer credit protection laws and I can not be forced to make payments and accumulate interest on an item never received. Please listed to the 27 minute phone call of this employee refusing to issue a refund and flat out lying about not having a supervisor.

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 2022-10-30
Company: Manhattan Beach Venture, LLC
State: AR
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:
the college closed for fraud of students funding, I was not able to attend school but left with a defaulted loan, I have also got a freash start loan and reported the college to the department of education the information can be found on the inter net about the school decite they used my sss # in fraud and caused this error to appear on this account as owed by XXXX XXXX, And he being the the victim suffers from the false reporting agent and school reports of the record as true. I have reported thse agents before and nothing of as yet has been done about the issue with the school and the three credit companies XXXX XXXX, XXXX, and XXXX  credit reporting agents, they are using my sss # without my consent in lure of fraud with the collage XXXX university .the information is on the internet that the school is a fraud, and closed down they have not reported this info and probley wont, because they skim the systems school district and get the students money, remove this false info its fraud done by the school its a big problem and they breached contacts and i reject them to hold any information of mine, they have no consent nor right the give this info to others, and please remove it within 6 days so i can move forward after this notice given again today

Company response to consumer: Untimely response
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. tracking number for USPS is XXXX XXXX XXXX. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX  ) Has violated my rights XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights 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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
the college closed for fraud of students funding, I was not able to attend school but left with a defaulted loan, I have also got a freash start loan and reported the college to the department of education the information can be found on the inter net about the school decite they used my sss # in fraud and caused this error to appear on this account as owed by XXXX XXXX, And he being the the victim suffers from the false reporting agent and school reports of the record as true. I have reported thse agents before and nothing of as yet has been done about the issue with the school and the three credit companies trans union, XXXX, and XXXX  credit reporting agents, they are using my sss # without my consent in lure of fraud with the collage XXXX university .the information is on the internet that the school is a fraud, and closed down they have not reported this info and probley wont, because they skim the systems school district and get the students money, remove this false info its fraud done by the school its a big problem and they breached contacts and i reject them to hold any information of mine, they have no consent nor right the give this info to others, and please remove it within 6 days so i can move forward after this notice given again today

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 2023-03-24
Company: EQUIFAX, INC.
State: MO
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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 resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$750.00} ; XXXX XXXXI ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX - XXXX & XXXX XXXX XXXX : {$50.00} ; XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX COLLECTIONS ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX. XXXX, 2021 ; JXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2021 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Synovus Bank
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/XXXX late payments & I called XXXX XXXX, they closed the account. I want the closed account deleted and the inquiry. Same thing with the first progress ( opend XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX, vehicle priced {$24000.00}, financing manager pointed to {$11000.00} on paperwork and said this will be the amount of interest you will pay on your loan. However, it was the amount they added to the purchase price of which I later found out. Furthermore, before this I was told them XXXX XXXX XXXX had approved me of a loan for a new vehicle purchase of {$32000.00} at 4.2 %. The car salesman said that XXXX had turned down my loan. I was never shown the interest rate while at the dealership and assumed it would be the same as XXXX. The Wells Fargo loan, I was told was the only bank that would take me for a loan. I later checked with XXXX and was told XXXX XXXX never contacted them for a loan.

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 2023-08-03
Company: Experian Information Solutions 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. XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-03-24
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX removed an erroneous XXXX XXXX from their records. Credit bureaus are still reporting the incorrect information after submitting several disputes.

Company response to consumer: Closed with explanation