BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Capitalone credit card since 2001. I have always paid my bill on time and in full. It is a business card and throughout the years, I have changed the name of the business without issue. However last week, when I tried to change the business name ( please note that in these 20 years, my personal name and social security number have always been on the card ) I got a call back saying they were cancelling my card in 60 days and I would have to apply for a new one. This is problematic since I froze all my credit information with the three credit report agencies when XXXX had the huge data breach a few years ago. I don't want to have to unfreeze and then freeze again. Besides, Capitalone has 20 years of history with me and that history has been without blemish. 
While I spoke to an agent and then her supervisor, their decision process seemed arbitrary and deceptive. Why now? Is this some form of discrimination? I had no letter from Capitalone explaining their policy and why. The agents were reading from a script and couldn't enlighten me about the company 's rational. On a practical level, why turn away someone who had been an excellent customer for many years? `As far as I know, they didn't research my account and my excellent history with the company. 
When they told me that I would be cancelled in 60 days, I cancelled the card immediately. I didn't want to do business one more minute with a company that had randomly cancelled my business after 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XXXX and Equifax from XXXX of 2015. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my lease in 2016. When I recently tried to transfer my vehicle the XXXX  DMV office stated US Bank was still reflected as owner of the vehicle under the lease ( which was paid off XXXX XXXX years ago ). All i ever received from US Bank was a lien release in 2016 which was useless because they were still listed as owners of the Vehicle! I contacted US Bank customer service numerous times for a power of attorney so I could re-title the vehicle and sell it and each time was assured one would arrive within 7 days. It has been 2 months and still have not received the power of attorney or even a phone call or letter from US Bank. My buyer pulled out of the sale and now i have lost over XXXX XXXX dollars in expected proceeds from the sale. Not to mention 2 days pay because I needed to take off and go to DMV and was unable to complete the retitling process. ( XXXX  DMV requires an appointment-usually weeks in advance so i needed to take off ahead of time with the expectation that i would have the POA ).

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 2023-09-03
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2023 at XXXX XXXX, the charge was in the amount of {$75.00} at XXXX. I been disputing this since XX/XX/XXXX. I used my card the night before at XXXX XXXX and I checked on XX/XX/XXXX to make sure my charge was correct. This is when I discovered a charge at XXXX was done the day after. I immediately, contacted Cash App ( chat ), XXXX, was the person or bot that I explained this was not my charge. I also, mentioned that I had removed my bank info as I did not know how breached my account was and that I had about {$46.00} on my cash app in which I used {$36.00} at a gas station to use the rest of the money on it, leaving {$6.00} and change. I received an email from a rep, XXXX via email who said they were researching it and it could take 3 to 10 days. I did not hear back from anyone after 10 days. I reached out via email for status. On XX/XX/XXXX via email I was told my claim was denied. 
I have never had an issue with Cash App, which I had for 2 plus years. I am convinced that someone at the XXXX XXXX used my card. However, I am highly disappointed that with my history I was denied. I called 2 weeks ago on XXXX ( XXXX ) XXXX and spoke with XXXX, who told me that I would here from someone via email, XXXX 2 to 3 days of my appeal. I have yet to hear from anyone via email or by phone. Today, I again reached out to support via ( Chat ) on the Cash app and being told someone will reach out via email. I am requesting that Block Inc. and its subsidiary Cash App send me document proof that charge I am disputing is my charge within the next 30 days. If they can not provide proof this is my charge to refund this amount back to me. I have chatted with, XXXX, XXXX, XXXX, XXXX, and Advocates which never leave a name from XX/XX/XXXX to XX/XX/XXXX. I continue to get the line someone will reach out via email which I never get. I just want this money returned so I can close out my Cash App account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have  XXXX  private student loans wi th Navient. I  ca n't make the payment amount that they request per month. I need to be able to pay about {$400.00} per month for those  XXXX  loans, but they will not do that. They have ruined my credit and my co-signers credit. I have been going through sickness that past couple of years but they have been no help. I have called them several times and each time they offer me different terms and payment arrangements through the company. I just need to lower my payments please help me. Also the interest rate on those loans keeps on changing every year and it goes higher and higher. I will never manage to pay those loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$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 explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611  ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data  breach and may have got into the hands of the wrong person.

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 2021-12-28
Company: SYNCHRONY FINANCIAL
State: NC
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 returned the XXXX drum machine back to the store was credited the amount. I opended a dispute and it was ruled in the merchants favor and I do not understand why when I showed that the merchant credited the amount back to my card. I opended the dispute in XXXX and took until XXXX to get XXXX to tell me that it was ruled in the Merchants favor. This time frame is unacceptable. I called your customer service in XXXX and Reopened the case. The rep assured me this was taken care and issued me refund for {$36.00} for a payment that posted to to you from my acct. I get a notice on XXXX that a payment is due again when i should have no payment due because its in dispute. I stay on the phone with XXXX different reps only to find out the rep that assured me in earlier XXXX the she opended the case never did. I had to refile the dispute. This process has been mentally draining... I am not happy at all. I am going to file a complaint with the XXXX  and Consumer Protection. I need a permanent credit placed on my Acct ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Credit account opened over 10 years ago fullfilled hardship payoff. Account sold off to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-28
Company: Possible Financial Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile. 

15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX  ''. 

XXXX XXXX XXXX, Possible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative 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 he is acquainted or who may have knowledge concerning any such items of information. They didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews. 

Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: PA
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:
There are some unauthorized inquiries on my credit report. 

XXXX. XXXX 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

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-12-06
Company: Thaxton Investment Corporation
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am late due to other bills automatically taken out of my account and i will pay them but they have been calling me and my fiance from their personal cell number and also contacting me at work when i have asked them not to numberous times because i cant take personal phone calls at work, i am not going to try to get out of paying them but i havent had the money to do so at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MS
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 have notified EXPERIAN several times that they are in violation of my consumer rights by reporting unverified and unvalidated information on my consumer report pursuant to 15 USC 1681 ( a ) ( 4 ). On XX/XX/XXXX I tried to upload my most recent affidavit to www.experian.com/upload. The website would not allow me to upload any of my documents. I also Mailed the notarized affidavit and its supporting documents via certified mail on XX/XX/XXXX. Pursuant to 15 USC 1681 ( a ) ( 3 ) EXPERIAN " assumed '' the role of assembling and evaluating my credit as a consumer and all information included in my consumer report. With this being said, I never gave EXPERIAN consent to share any information. The role EXPERIAN assumed is voluntary and I as the consumer own my consumer report and Experian failed to comply with the law pursuant to 15 USC 1681b ( 2 ). 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states my consumer report should not include transactions between the consumer ( me ) and the person ( the financial institute ) making the report.

EXPERIAN is in violation of my privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). By reporting XXXX and AFFIRM EXPERIAN is in violation of the laws made by Congress. EXPERIAN NEVER did a proper initial investigation defined by 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( B ) any authorization of a specific extension of credit or similar device should be excluded from my consumer report. The transactions that EXPERIAN clearly didn't investigate are categorized as transactions that were issued from a credit card ( my social security card ) as defined under 15 USC 1602 ( l ).

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