BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In late XXXX I opened a XXXX XXXX XXXX XXXX. Which at the time on their website claimed i would receive a {$200.00} sign up bonus if i spent {$500.00} within 3 months I complied with the terms, spent my {$500.00} and paid it off. I never received my bonus after spending the {$500.00}. Over the next 2 months following I ended up spending over {$800.00}. After some googling some people claimed it took 3 complete billing cycles to have the bonus credited. I waited 4 months, and never got said bonus. I contacted capital one today ( XX/XX/2023 ) through a phone call and they informed me that the bonus is " not real '' and that on their end does not exist. I ended up, requesting to speak to a supervisor which was the highest escalation point, according to her, and the supervisor claimed she did not see the sign up bonus on her end, and it took me having to give her the entire URL to see it in which she informed me that there's nothing she can do about it after informing her that that's illegal to offer it and not grant it. Upon further inspection of their website, it seems like they raised the minimum from {$500.00} to XXXX which does not matter as I paid {$1300.00} over the course of the three months using the card. My phone call lasted 28 minutes and I was told that I was speaking to the highest point of contact that I possibly can. During the course of the call, the woman I was speaking to was rude, unprofessional, condescending and offered no resolution to the issue. Not even giving me a point of contact to reach out through to email. My phone call was at XXXX and lasted 28 minutes total. 

The link to their website is https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ I have screen recordings and screenshots to verify that the URL is legitimate and that at the time of me submitting this complaint, the offer is still on their website, but they are not giving it to anybody which is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
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:
Today 's date is XX/XX/XXXX. I am trying to clean up my credit report and get rid of all the wrong information. Equifax is still showing XXXX XXXX XXXX from XX/XX/XXXX which they agreed to remove back in Late XXXX of XXXX. The reason for the removal is i never authorized and fraud had taken place. Equifax had told me they would remove this from my credit report if pen didn't respond within a certain amount of days which they didn't. I have tried to call equifax on this matter but i can never get a live person on the phone for the past few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Opened XXXX XX/XX/XXXX I still do not have a resolution from Mr Cooper. 

I am victim of the XXXX XXXX. My home is under construction. My builder invoices on a monthly basis, per his contract. Mr Cooper will only disburse funds 'quarterly. ' I am unable to pay my builder as I do not have this kind of cash/savings. On XX/XX/XXXX, I requested that Mr Cooper make an exception to accommodate my builder 's contract. I am requesting that the answer be provided by end of week, week ending XX/XX/XXXX. 

I have phoned the company XXXX times, and each time I am given a different deadline. Today I was told it would be 15 days from XX/XX/XXXX, while on XX/XX/XXXX I was told it would be XXXX days. 

The impact of not receiving these funds in a timely manner is that I am unable to move forward in the rebuild and refurnish of my new home. 

Please assist in not only getting me the answer but in getting the disbursements released on a monthly basis until completion of the build. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
Equifax/Equifax credit bureau Is processing a reinvestigate after the 30 days has ended. The 30 days ended XX/XX/XXXX after the company received my letter XX/XX/XXXX. Equifax/Equifax credit bureau claimed they reinvestigated and it came back verified the first time after they contacted the companies ( furnishers ). However it took Equifax/Equifax credit bureau took longer than 30 days to reinvestigate and I was not notified until I filed complaint XXXX ( and several other complaints including XXXX ) and Equifax/Equifax credit bureau replied XX/XX/XXXX, 9 days after the 30 days. Equifax/Equifax credit bureau is in violation of 15 USC 1681i . I didnt dispute anything, I was informing them it was past the 30 days and to delete the accounts according to 15 usc 1681i. They wrote back and marked on my consumer report stating they are reinvestigating the same accounts again. Attached is the letter was the same accounts listed and the response to my CFPB complaint that the company stated was verified already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: OK
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, XXXXXXXX XXXX Account # XXXX has violated my rights. Under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Paypal Holdings, Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/ I sold my XXXX in the XXXX at Wal-Mart XXXX XXXX XXXXXXXX XXXX  XXXX The options for payment were only Venmo and PayPal. I chose Venmo. I was able to access my account just like always. When I received the payment of {$350.00}, Venmo would not let me transfer my money to my debit card or too my bank. And now my account is suspended and NO ONE at Venmo can give me a reason why. I have yet to receive an email stating why my account is suspended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The accounts were closed and they reopened them to harass me and stalk me. To stop me from getting a mortgage. The dollar amounts are XXXX and XXXX. I have disputed all of these creditors through all three credit bureaus. I am trying to pay XXXX XXXX XXXX to do the very same think I have done because they have refused all my requests to close out my accounts and do not open any more accounts using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am attempting to payoff my mortgage to complete the sale of our home. However, Freedom Mortgage is being extremely unhelpful in the process. The title company faxed Freedom Mortgage a request to close the account on XX/XX/XXXX. When I called on XX/XX/XXXX Freedom claimed they did not receive anything, so we had to start a new inquiry. Closing was scheduled for XX/XX/XXXX and this was the final document needed to complete the sale. When I called again on XX/XX/XXXX to check on the status they said the estimated completion date was XXXX. The supervisor I spoke to added that if we could provide proof that the request was sent on XX/XX/XXXX than they would expedite it. I provided that information, but they were still unwilling to accommodate us. They ensured us multiple times that requests are complete within a 72 hour maximum time frame, but XXXX is outside of that window. I have been a part of numerous real estate transactions and know that this process takes less than 1 hour to complete. The supervisor I spoke to on XX/XX/XXXX said he was sorry we were misinformed, even though less than 24 hours ago we were told to provide proof.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these accounts are not mine have never. lived in south Carolina have been trying to fix this for years remove account from credit report i was overseas working have orders to prove it for court

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 2022-10-08
Company: Experian Information Solutions Inc.
State: GA
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 non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX of XXXX, I became aware that I was a victim of identity theft. I reported my identity theft with the XXXX Police as well as the FTC. There were 3 fraudulent credit accounts opened in my name that I never opened and was completely unaware of. Since then, 2 of the 3 were disputed, investigated, verified as fraudulent, and taken off of my credit history. Those two were XXXX and XXXXXXXX XXXX XXXXXXXX. The 3rd fraudulent account was created through XXXX XXXX. I opened up an investigation with them in late XXXX to dispute. I had never heard back, and assumed from my rising credit score that is was also claimed as fraudulent. However, it appeared back on my credit report in early XX/XX/XXXX - that I owe {$9900.00} ( account XXXX  XXXX ). Then I tried to reopen the investigation ( case XXXX  XXXX ). However, I received a letter back on XX/XX/XXXX saying that my dispute was " previously investigated and resolved '' and they were " unable to to reinitiate the investigation. '' I request that this XXXX account and the balance owed is removed from my credit history as I never opened the account. It was opened as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Peterson Enterprises, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Valley Empire Collection XXXX XXXX XXXX Washington filed a lawsuit against my wife and added both our names on the lawsuit for a medical debt that was not communicated to us. My XXXX XXXX XXXX was served the legal paperwork and refused to accept the paperwork. They left it on the door steps. No communication were made in regards to the collection. The medical debt in the amount of {$430.00} plus interest {$27.00} and filing fee {$73.00} and process fee of {$98.00} for XXXX XXXX. They refuse to work with us on correcting the issue or make communication with us other than filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES has not provided accurate records to Federal Student Aid. When I view my AES loan details on studentaid.gov, the loan history shows my repayment starting on XX/XX/XXXX ; however, my loan repayment began in XXXX. Therefore, I am requesting they provide updated records to FSA starting in XXXX. 


AES has not provided me with accurate/ fully payment history from my loans. The payment history AES provided to me is only from XXXX ; however, the missing payment history should be from XXXX. I requested this for my own records too.

These inaccuracies are preventing me from completing the PSFL process that I started two years ago. If this issue is not resolved in a timely manner I will continue reaching out to other advocates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: Old information reappears or never goes away

Complaint:
I received two hard inquiries on my Equifax Report on XX/XX/XXXX. One from XXXX Asking ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They both appear as Equifax XXXX inquiries and I have NO dealing with either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, Equifax, XXXX, and XXXX were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
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:
Back in XXXX, XXXX  I started to access my credit files to see which accounts were showing, and noticed that XXXX XXXX XXXX XXXX reported I opened a XXXX card account. Immediately I reported to the Credit bureaus that the account was not mine. That it was fraud and I wanted the card account to be removed from my credit files. For {$27.00} that was showing account balance my credit score went down XXXX points!!!!!!! In the meantime, i also contacted XXXX XXXX XXXX XXXX by phone to dispute the validity of that credit card account. They started to investigate and finally sent me a letter dated XX/XX/2022 that they disagreed with my claim that the account was opened fraudulently. I offered to pay the balance due just to get rid of the account I did not open. Still they insist the account is mine, the card was used in XXXX, XXXX but I live in XXXX, XXXX. I am asking your office to intervene in this matter and XXXX XXXX XXXX XXXX XXXX to accept my claim and erase this account from my credit files as if it never existed. My address with them has always been in XXXX. By no means I used the car in XXXX, XXXX. They ruined my credit report without considering the facts I presented. I did not apply for the XXXX credit card.

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 2021-05-15
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Receivables Management Partners, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
The law hip law applied to this account medical bills are not to be placed on your public record for everyone to see. Also, my insurance company sent them a them check for this bill as well as the va paying them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is concerning a Simple account that transferred to BBVA. According to the revised account terms, there should be no charges for using an XXXX ATM. However, when checking the card information on the BBVA app, it shows that there are charges for using an XXXX ATM. Account terms are at : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
An automatic payment for {$2400.00} failed on XX/XX/22 and the failure was corrected ( balance paid in full, plus extra ) on the same day through 2 payments ( XXXX and {$1000.00} ). The company ( Goldman Sachs ) charged interest totally {$56.00} for the balance of the missed payment. Goldman Sachs representatives refused to acknowledge that our payments made them whole on the same day that I was aware of the missed payment and refused to remove the interest charges.

Company response to consumer: Closed with monetary relief