BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Here is a timeline of my attempts to be refunded for a trip I booked to XXXX in XXXX. The trip was cancelled due to COVID-19 and the travel company went bankrupt. I've made multiple attempts to get my money refunded through my credit card company ( CapitalOne Visa ). 

1. Booked trip with XXXX for trip to XXXX ( did not include airfare ) and paid initial {$300.00} with Capital One Credit Card ( Visa ) Date : XX/XX/XXXX Planned Date for Trip : XX/XX/XXXX XXXX. Second payment of {$500.00} made to XXXX with XXXX XXXX XXXX Credit Card ( Visa ) Date : XX/XX/XXXX This amount was eventually refunded/credited by Visa/XXXX on XX/XX/XXXX XXXX. Final payment of {$1500.00} made to XXXX with CapitalOne Credit Card ( Visa ) Date : XX/XX/XXXX 4. Was notified on XX/XX/XXXX by XXXX that XX/XX/XXXX trip was cancelled ; I chose to rebook for the same trip in XX/XX/XXXX XXXX. I requested a refund on XX/XX/XXXX and was told that a that a credit was applied and I would get my refund 1 year from final payment date of my original booking 6. I received notification from FlashPack on XX/XX/XXXX that my trip was cancelled and I would need to apply for a refund - I had already done that in the previous step 7. I received notification from XXXX XXXX on XX/XX/XXXX that XXXX had gone into Administration and I needed to file a claim with my credit card company 8. I submitted original claim with Capital One in XXXX Case # XXXX 9. Received notification that Capital One needed more information on XX/XX/XXXX ; I mailed all supporting documents/emails to Capital One. Was notified via mail in XXXX that my claim was again denied because they needed more information. 

10. I tried contacting travel insurance company XXXX XXXX on XXXX via their website - I was not able to submit a claim form but the instructions on their site just put you in a loop that never takes you to a form. I also submitted a Help request form via their website and never received confirmation or a response 11. I submitted a 2nd request for help form on the XXXX XXXX site on XX/XX/XXXX and have not gotten any response or confirmation that my request was received. 

12. I re-mailed all of the content above to Capital One plus the addition of the attempt to contact the travel insurance company and was again informed my claim was denied. 

13. I contacted Capital One again via phone in XXXX and received a link to a secure portal to upload all of my documents for the claim. 

14. I submitted the full timeline above again and supporting documents to Capital One on XXXX per their request via a secure portal and again received notification that Capital One again denied my claim. 

Im at a loss for how to get my money back from XXXX or Capital One. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: NV
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 am a victim of Equifax data breach. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the XXXXl rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the account is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  charged the wrong amount in the first place and took a couple of years to finally send me a letter saying that they did charge the wrong amount. I have called them several times to rectify this and then they sent me to Real Time Solutions who they said owned it now, when I call them they said that they can't do anything about it because XXXX  is the only one that has that power and when I call XXXX to get to the bottom of this they say that I have to go through Real Time Solutions. I have asked them repedealty that I will pay the correct amount and want the charge off taken off since they never properly represented the correct amount to be charged. 

I have a letter from XXXX stating that they did not charge the correct amount and that they took off the wrong amount or credited the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a bill from Lazega and Johanson sometime during the end of XXXX of XXXX for late HOA fees. This is the itemized bill : HOA fee {$990.00} late fee {$35.00} " additional assessments '' from Attorney {$370.00} Attorney 's Fee XXXX For a total of {$1600.00} XXXX XXXX called from Lazega and Johanson Attorneys at Law, in XXXX attempting to collect {$1600.00}. I didn't have the amount at the time. 

I made an online payment on XX/XX/XXXX for the amount of {$400.00}. Leaving a balance of {$1200.00}. 

On XX/XX/XXXX I received another invoice stating that an additional fee of {$230.00} in " legal fees '' would be assessed in addition to the {$1200.00} that I owed. XXXXXXXX XXXX XXXXXXXX XXXX XXXX said that Lazega & Johanson has access to my HOA account and will charge whatever they want. There is no memo or documentation in the only letter that Lazega & Johanson sent in XXXX saying that they would assess any additional fees or at which times it would be applicable.

I've left 4 messages with 4 different people to communicate my intent to make additional payments and to get documentation on the erroneous fees however, no one calls back. 
This company has numerous complaints against them for predatory and deceitful practices. I want documentation supporting why, legally, they have access to my account and to give me the schedule of fees.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-05-04
Company: EQUIFAX, INC.
State: MD
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 am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house, a car and finish my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: General Motors Financial Company, Inc.
State: IL
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 have never been late with their company just this once. I contacted GMC financial on this matter. I sent over documentations regarding my father who was on his deathbed and he did not have insurance, and I had to literally pay all of his medical bills out of pocket. I asked if GMC could extend the date and I will pay them when my next paycheck comes. I sent over a letter from the doctor and the nurse, including his bills which is a violating from HHIPA. GMC had no remorse to the letters or my family tragedy and I feel like that was unfair because Ive never been late. This was a life or death situation either pay them and my dad dies. If GMC could just remove the late fee and stop assassinating my character to other companies that pulls my credit report. GMC are making other companies believe that I dont pay my bills on time and thats not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have all 3 credit bureaus frozen as I have had my identity stolen twice. I have logins for each bureau so I can temporarily unfreeze my credit as needed. I was able to login to XXXX and XXXX however, I have been unable to login to EXPERIAN. I tried all of my logins and none worked so I clicked on " forgot user name '' and " forgot Password '' and experian takes you to a screen where you input your Birth date and Social Security number to get a reset emailed to you. When I do this, it goes to an email that is not mine nor ever has been so now I assume my credit login with Experian has been hacked. I have tried over 7 phone numbers for Experian and none of these numbers, no matter what you ask for " agent '', " customer service rep '' will allow you to talk to a human and the automated system can not assist with this. I need to know first if my credit is still frozen and I also need to make sure someone hasn't fraudulently logged into my credit bureau and report. I followed the instructions for login issues and how to submit a letter request for help and have heard nothing back, this was over a month ago. So I am literally being held hostage by this and unable to obtain any new credit as I can not unlock my credit report. I desperately need assistance as there is no one I can get ahold of there! Please help! I need a phone number directly to a " HUMAN '' and assistance in resetting my user name and password. 
Here is what shows when I try to reset user name or password, I have never had an XXXX email so this is not my email. The reset is going to someone else 's email, so scary! 


We have sent your username to the following email address : 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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have already disputed this with the other two bureaus and they promptly removed the account. TransUnion appears to be ignoring my requests. This company is intentionally reporting both my status and payment history inaccurately, so that it keeps my payment history 30-60 days late and will never allow my score to improve. They have gotten their collateral back, voluntarily I might add, so this should be marked as a closed account and/or a voluntary repossession. Not an open and delinquent account. This is purely unethical and very bad business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 following Accounts, have 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 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : Transunion : 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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Despite multiple written requests, the unverified accounts listed below still reporting on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible to correct this accounts in my file : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$11000.00}

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 2021-12-18
Company: NVR INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021, upon inquiring for potential loan on a home, a mortgage loan officer sent a detailed email with my credit scores, creditors, account numbers, account balances, charge offs, collections, basically all personal details of my credit to me and blind carbon copied a real estate agent on that same email. 

I obviously couldn't see the blind carbon copy initially. So upon revisiting the real estate agents office, she pulled up the email from the mortgage loan officer and showed me that she had been copied in the email and discussed it with me casually. I was taken back that she had all that information about my personal credit. 

I can forward the email but would rather do so upon request as it contains personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXXXXXX XXXX XXXX ( multiple ), XXXX XXXX  ( multiple ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-12-17
Company: EQUIFAX, INC.
State: IL
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/2021 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand these unauthorized inquires be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX XXXX XXXX My information was impacted by the Equifax databreach and may have been exposed to the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to use my XXXX  XXXX credit card last week for a XXXX dollar purchase and was declined. I was confused because I just paid the balance off of around XXXX dollars. Call customer care and said they sent a letter XXXX XXXX which I never received and told me she access the info on why it was closed.. I never closed it.

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 2021-12-03
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Guaranteed Rate denied a loan application to finance the purchase of a condo unit. 

The denial letter stated XXXX reasons for denial without giving any more details : A. Inadequate Collateral Unacceptable Property B. Inadequate Collateral Insufficient Data - Property The denial letter did not provide any LOX or options for reconsideration. 

Guaranteed Rate stated in an email that the property appraised at the purchase price. How can the collateral be inadequate when the condo unit has already appraised for the purchase price? 

When probed further, Guaranteed Rate stated they required the insurer of the condo building 's master insurance policy to provide their Replacement Cost Calculator. The insurer pointed out that the loan is for the purchase of one unit in the building. The building does have master insurance policy and it was provided to the lender. 
Can a lender require the association 's insurer to provide Replacement Cost Calculator as a precondition to approve the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Synovus Bank
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: Information belongs to someone else

Complaint:
During XXXX of XXXX someone opened up a time-sharing account utilizing my information. Around XXXX there were two First Progress credit cards opened. As well as multiple inquiries of people trying to obtain credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: CA
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 account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!

Company response to consumer: Closed with explanation