BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Recently, I took advantage of an offer through Capital One 's website to " ... redeem your free {$10.00}, XXXX. With two clicks you can get a {$10.00} bonus and coupons applied instantly. '' ( I have a checking account with the bank, which is how I noticed the offer ). In order to " Claim your free {$10.00} bonus, '' Capital One requires you to download and install a browser extension that automatically scans for coupon codes during online shopping and notifies you of price drops. I downloaded and installed the browser extension, but I have not received the {$10.00} bonus to my account, and it has been over 30 days. 

Capital One does not make it easy to communicate with them. They do not list a means of messaging the company virtually, and you must call to receive help from a person. So, I called and complained that my {$10.00} bonus had not arrived. Customer service confirmed that my bonus has not arrived, but insisted that in order to correct the problem, I must email the company at an address provided. At this point, I felt like Capital One had put up too many barriers to an offer it was making to its customers. 

My contention, in this complaint, is that the offer was advertised as quick and easy, but that it was neither quick nor easy to redeem the {$10.00} reward, and that Capital One is therefore taking advantage of its customers to install the browser extension without providing the reward. The bonus should be automatically applied, and consumers should not have to contact the company multiple times if the bonus has not been applied. Putting too many procedural hurdles in the way of consumers is one way of committing fraud, in my opinion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: NC
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:
Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 
XXXX. XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX dated on XXXX XXXX, 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Hello, I dont have specific dates. This showed up on my credit report, initially, I reached out but each time, the company gave me the run around, no one was ever able to provide specifics or details regarding this debt. I assumed it must have been an error and let it go but time after time it shows up on my credit report and the balance keeps getting higher. None of their representatives are able to provide precise details for what or when or how I owe this amount. XXXX shows {$3100.00} while Transunion shows {$3100.00}. The dollar amounts dont match up and I have no idea what the address for this charge. 
Ive lived in the same house for 12.5 years and my bill is current and lights are still on. Please advise what address this is owed to and if no address can be provided, please have it removed from all of my credit reports. The account number is XXXX on both XXXX and Transunion, however Transunion shows as acct type open account while XXXX shows as a collections account

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: Genesis FS Card Services, 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:
In accordance with the FAIR CREDIT REPORTING ACT XXXX account # XXXX, has violated my rights. 

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.

15 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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2021-07-26
Company: EQUIFAX, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: AppFolio, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi. I was denied by Appfolio when applying for a unit. My names XXXX XXXX. It said I was denied for criminal history when I have court docs to show that my charge was dropped to a misdemeanor & my eviction on my account is from XXXX of 2016. Its passed the XXXX mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company trying to collect debt that I do not have at all. They are attempting to collect {$140.00} I have no idea why, do not owe anything, have never seen this, and have not opened any new accounts. 

The company is : SEQUIUM ASSET SOLUTIONS, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-11-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please update all my personal info

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 2022-11-22
Company: ALLIANT CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I applied for a XXXX loan with Alliant CU and was presented with approval terms and than requested to execute documents ( I wa waiting for car 1st before closing ), agent emailed me to complete paperwork without clarifying that loan is closed prior to receiving vehicle, I requested to unwind loan and was told I could not do this and that XXXX would have to do it and I would lose the {$250.00} deposit if I do from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA refuses to send me USAA Policies. Due to XXXX  XXXX  I have NO ACCESS on line with USAA. I requested XX/XX/XXXX Paperwork info on line web provides all others NOT ME, to no avail. I requested again XX/XX/XXXX, no avail. I NEED TO KNOW USAA POLICY TO FOLLOW IT. See attatched XX/XX/XXXX FRAUD CLAIM letter. WOW Temporary Credits must be MADE PERMANET. USAA HAS LIED TO ME FOR 2 YEARS. Telling me the credit reversals were from USAA CREDITS WHEN CREDITS WERE NEVER MADE PERMANET! NO USAA TEMPORARY CREDIT WAS EVER MADE PERMANET so USAA USES TEMPORARY CREDITS TO CREATE PERMANET PURCHASES?? OF CREDIT REVERALS OF ** CREDIT NEVER GIVEN STEALING MERCHANT CREDITS?? COVERING THEIR FRAUD LEAVING CONSUMER LIABLE FOR THE FRAUD?? Attached XX/XX/XXXX USAA statement IS BEGINNING OF FRAUD. Kindly Note THERE ARE NO USAA CREDITS ONLY MERCHANT CREDITS. USAA demands I put all this in writing when they know My Hands Unable to do so taking advanage of my age and XXXX. USAA please accept this as in writing. XX/XX/XXXX Merchant credits {$120.00} & {$210.00} *REVERSED XX/XX/XXXX due to TEMP credits. XX/XX/XXXX Merchant credits {$15.00} {$17.00} {$25.00} * REVERSED XX/XX/XXXX due Temp credits XX/XX/XXXX Merchant credits {$110.00} *REVERSED due Temp credit XX/XX/XXXX XX/XX/XXXX Merchant credits {$12.00} {$26.00} {$9.00} * REVERSED XX/XX/XXXX {$9.00} {$26.00} due Temp credit XX/XX/XXXX Merchant credits {$200.00} {$280.00} {$150.00} {$230.00} {$8.00} {$14.00} = {$910.00} PERM CREDITS and ** CHARGED XXXX OLD FRAUD FROM XX/XX/XXXX Note the ( F ) in ref number cide for fraud. USAA puts KNOWN FRAUD ON AS NEW PURCHASES XX/XX/XXXX {$6.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX * REVERSED {$200.00} {$280.00} = Total Reversed {$970.00} USAA IS THE THIEF STEALING EVERYTHING FTC MADE MERCHANTS CREDIT. Note the pattern. Merchant PAYS and USAA TAKES AS THEIRS WHEN THEY NEVER MADE THE TEMP CREDIT PERMANET. USAA STATES ALL CREDITS ARE INTERNAL USAA HIDES THIS. USAA refuses to send policy to explain TEMP BEING MADE PERMANET PURPOSELY. USAA HAS HELD ME LIABLE FOR FRAUD SINCE XXXX XXXX The first time I used this 4 years old card they tell me. USAA IS HOSTILE AND UNCOOPERATIVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Incorrect Balance, Upon Reviewed my Statement, the disputed of a Purchased in the amount {$1200.00} on XX/XX/2018 from XXXX XXXX XXXX have not yet credit to my account, as i have reached out to the merchant regarding about this matter, and have receives confirmation letter from the merchant regarding about the refunded amount. Attachment are proof settlement.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}

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 2020-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint against Wells Fargo Home Mortgage. Approximately seven weeks ago I applied for a VA home loan. At the time, I informed my mortgage banker I would be retiring and that my income source would change from my employer to several public employees retirement systems, but that my income would actually increase. I provided Wells Fargo the verification they requested that proved what my retirement income was going to be, and that the first payment would be approximately 30 days from my date if retirement. The payment would be retroactive to my date of retirement and continue throughout my life. Six weeks into the application process, I was informed that Wells Fargo guidelines require a deposit of my anticipated retirement check into a bank account before the loan would be fully approved. 
I questioned this requirement, since it meant my loan would potentially not be fully approved until a month, or more, after the scheduled closing date of escrow. Additionally, the Wells Fargo guidelines appeared to violate Title 38, section 36.4340 of the Code of Federal Regulations, which require a lender to consider anticipated income when underwriting a loan. Moreover, 38CFR36.4340 specifically addresses a service members anticipated income and it is to be considered the same as current income. There is no deposit requirement. 
As of the writing of this complaint, Wells Fargo has only conditionally approved my loan pending the deposit of my retirement funds. They maintain their position that full approval will not occur until I submit a bank statement showing the deposit of my retirement checks. Their failure to comply with the above-cited regulation has created a significant hardship for me and my family and I believe Wells Fargo is violating federal regulations. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: TX
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 been trying for over 4 weeks now to get my credit unlocked by Equifax " Lock and Alert ''. I have been on the phone for hours each time i talk with Equifax. I have faxed all the information they ask for. Every time I call I get transferred to the wrong department or to their overseas phone clerks who do not understand english. I have spoken to supervisors who tell me that they escalate the problem but nothing happens. they can never give you any information about why they can't unlock my credit file. Several supervisors say they escalate the case with a priority or expedite notation. Still nothing happens. No ever contacts me. This is all frustrating as h*** ... ... .. I need my credit unlocked for a refinance. Please help me!!!!!!!!!! Do not subscribe to Equifax Lock and Alert!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reported to my credit file held with Transunion. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$21000.00}

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 2020-12-30
Company: Experian Information Solutions Inc.
State: ME
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 have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.

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 2022-03-03
Company: Herbert P. Sears Co., Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I financed some expensive dental procedures through XXXX XXXX. The contract I signed had no late fee and no interest component. Due to personal circumstances, around {$7300.00} of the original {$23000.00} debt remains payable. The debt now resides with a debt collector who calls periodically -- the calls come through on personal lines, and do not appear to be coming from a business or agency. When I answer, they force me to identify myself and state they are with the company ( HP Sears. ) I then assert that I will not discuss anything until they provide me with statements itemizing the fees and charges and how a {$7300.00} bill now stands at nearly {$10000.00}. It is my understanding that they must provide these itemized charges, as well as make statements available to me for me to review, which they have so far refused to do. 

Furthermore, I have attempted to initiate a dispute with all three major credit reporting bureaus, only to be stymied there because the bureaus always find in their favor. I know for a fact there is no interest or late fees because about a year into paying the bills -- and I was paying {$500.00} a month -- Western Dental changed their systems TO charge interest and late fees and tried to get me to sign a new agreement for a " lower '' amount and I refused. Furthermore to that point, when the system change went into effect, my due date shifted, and for a few months it took me calling every month to have them remove the " late fee '' they weren't entitled to charge because ( a ) there was no mechanism for them to do that, and ( b ) I wasn't actually late due to the original agreement I had signed. 

This has been a mess, and nobody will help me. I'm just now getting back on my feet and I really resent that they've made this needlessly difficult. I have/had over {$100000.00} in debt, and EVERYONE who was willing to work with me during the rough times got paid. It's only been a relative few who have behaved like sharks that haven't gotten what was owed, but I absolutely REFUSE to pay ANYTHING on this account until we can get the situation squared away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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