BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I now have proof regarding my prior complaint against Capital One. I will attach it. 

It proves that they were refunded by the merchant in XX/XX/XXXX. Here it is nearly XX/XX/XXXX. That's the vast majority of a year later, but they still have not voluntarily refunded me. It is incredibly unbelievable and I wonder if they have also screwed me over in other ways which I have not caught. 

I have given Capital One XXXX XXXX more than ample time to resolve this but they just respond " Take it up with the merchant '' and wash their hands of it. In the mean time, they are reporting to all XXXX credit bureaus that I have exceeded my credit limit ( even though I truly have not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Hello, The issue I'm having is due to injuries I received in XXXX from my time in the XXXX I became serious behind on my Auto Loan Once I was able to work again I called and set up payment arrangements with Credit Acceptance. I was told as long as I meet my agreed amount on the days selected it would be taking out of collections. I have made a few payment and it still being reported as in collections. I called the company and was told it's just taking out of the company 's collections department and it will still be reported as collections. I asked why I wasn't told that from the beginning and was told they didn't have to tell me that. I think this is a terrible thing to do to people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was on a payment agreement set up by attorney XXXX XXXX XXXX # XXXX for an account that I never got the opportunity to have validated original creditor was Synchrony Bank, but they served me papers and threatened putting a lien on my house so my wife insisted we start paying. The {$160.00} payment was automatically taken out of our account biweekly and XXXX XXXX stated he would call me when it was time to renew the auto debit. He or his office did not. My wife noticed the payment was not taken out of our joint account and assumed I used my personal account to make payments. 3 months later of no payments and 14 messages left for this attorney I finally get someone who will talk about my case. I was told XXXX XXXX filed a wage garnishment against me for non payment and even if I paid the {$4000.00} balance they would not stop the wage garnishment. I demanded to have XXXX call me immediately and when he did not only did he use profanity, call me out of my name, talk down on my ethnicity, when I told him it was illegal to take money from me in excess of what was owed he told me he can and will do whatever the XXXX he wants to do and slammed the phone hanging up on me! 5 days later I get a wage garnishment in the mail from XXXX XXXX XXXX XXXX and I object it with the court. The paper states I have 14 days to dispute it. I had {$690.00} garnished from my paycheck exactly 8 days after this attorney refused to stop the garnishment if I paid the balance in full, was vulgar and unprofessional and hung up on me. I contacted the court who stated my 14 days has expired and this attorney served me the papers later than he should have. I contacted Synchrony Bank who would not help and referred me back to XXXX XXXX XXXX at XXXX XXXX. My wife and I called repeatedly over several days and left messages and got no return calls, my wife emailed and got No reply. How is this legal to talk to someone like this, threaten them, use such vulgar language and tell me they can make me pay double on an unverified debt??

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 2023-01-18
Company: Experian Information Solutions Inc.
State: TN
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:
I have sent certified mail on XX/XX/2022 and have not gotten a response.

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 2022-11-12
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account started being on my credit XX/XX/XXXX under FIDELITY CREDITOR SERV attempting to collect a debt for XXXX XXXX XXXX at the address of XXXX XXXX XXXX. The issues I have is I moved out of that house XXXX XXXX. The water bill was shut down squatters got into the property turned the water on illegal and started using water. I was charged for it I did not own the house I was just a renter. FIDELITY CREDITOR SERV was sued by me for violating FDCPA Law. I was awarded {$3400.00}. My attorney took {$3000.00} and I was left with {$400.00} and all debt communication stopped however they FIDELITY CREDITOR SERV keep updating the credit every month with more and more owed every month as a balance. It started at {$1300.00} as of today XX/XX/XXXX per XXXX credit report {$1700.00}. I have disputed the debt with all 3 credit company 's and every time I do it comes back as Consumer Disputes but it meets FCRA. I talk to the law firm who handled the case they said they did everything there was supposed to. I email The water company and ask them for a settlement they said I had to reach out to FIDELITY CREDITOR SERV I emailed them several times zero response. I made a settlement offer and nothing. I want this debt and debt collector to go away. and I want it off my credit asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account XXXX : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.

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 2023-10-04
Company: Experian Information Solutions 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:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXXXXXX XXXX XXXXXXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am very disappointed with these credit bureaus, XXXX, XXXX, and Transunion. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, XXXX, XXXX, and Transunion have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy on my credit report

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 2023-01-18
Company: Experian Information Solutions Inc.
State: NV
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any inquiry that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

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 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 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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX Acct # XXXX, and XXXX XXXX XXXX, Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-12
Company: DISCOVER BANK
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:
I am highly disappointed in Discover and my mental health has deteriorated severely, including my emotional distress. I have spent over 5 hours on the phone with Discover customer service. I have been connected with the account manager, XXXX ( Discover Supervisor for the Fraud Department ) and XXXX ( Discover supervisor for Customer Service ). They falsely claim that I got my money refunded to my bank account. It has been over a month since I did not get this refund. I have several fraud charges that I have reported to the police and have provided the report to Discover in addition to my airfare tickets proving I was NOT IN THE COUNTRY. I have reported them to the CFPB and they stated that I would be refunded the charges and I still have not. The customer service is a one-star service at best as you are put on hold and then they don't help but just cut the phone. I currently am in a very financially stressful position as Discover has hogged all my funds their policy states that there is a {$0.00} fraud liability and even after providing all the possible documentation they still claim that it is fraud. Please explain to me how my card was swiped in XXXX when I was in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
TRANSUNION IS REPORTING A LATE PAYMENT FOR MY AUTO LOAN WITH XXXX XXXX FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT TRANSIOUN

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 2022-12-28
Company: PLAZA HOME MORTGAGE, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Aloha! 

I am a homeowner on XXXX, Hawaii and I have a mortgage with Plaza Home Mortgage company. I applied for the PMI removal process in XXXX of this year and on XX/XX/XXXX I received email confirmation that I began the application process to do so with the company. It took several months for them to even generate the necessary documents for the next step. I submitted these documents with a non refundable check for {$450.00} to pay for the required appraisal. They insist the appraisal must be done through their approved agency. The check was cashed XX/XX/XXXX. I still have not received any indication that they intend to schedule this appraisal. I call in on a weekly basis where the same script is recirculated we are escalating your case They continue to stall claiming the department is backed up or that my request was accidentally cancelled. They claim I am entitled to a refund for the time I have been waiting. My Loan-to-Value is well above 80 % needed to remove the PMI and its my belief the company is attempting to stall this process until the housing market recedes. XX/XX/XXXX will be the XXXX month in this process, 5 months since they cashed my appraisal check, and no progress has been made. Im not sure what steps to take next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Reporting company used your report improperly

Complaint:
15 USC 1681 section 602 states I hav the right to privacy.

USC 1681 Section 604A, Section 2 It is also States, a consumer credit reporting agency cant furnish an account without my without my written authorization and instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called company on XX/XX/2018, acknowledged my debt, and stated that I would make payments on my debt. At that time, the person said that I could settle for 60 %, and it would be marked as paid, settled for less on my credit report. I could also make those payments in 3 installments of XXXX over the next 3 months. I made the first payment that day. I called back on XX/XX/2018 and made the remaining 2 payments at once to finish my obligation. 

My credit report was updated to reflect the 3 payments - but it still lists a balance owed. 
I called the company on XX/XX/2018 to discuss the status of my credit reports and was told that the balance would remain until I paid it off. 

That is NOT my understanding of the word " Settled '' and marking my account as " Paid '' and I would like my credit report to indicate that I paid the negotiated amount and I no longer owe them any additional monies, based on the settlement agreement made on XX/XX/2018. I don't understand how I still owe money when we agreed to settle for less and I could take the derogatory mark that says " settled for less '' on my credit report. I would like to see the balance on my credit reports taken to XXXX ( XXXX ). I would also like to see the individual month notations for XXXX and XXXX to indicate something other than " failed to Pay '' or " FP '' because this is inaccurate too. I did pay those two months as I was instructed to do based on the phone call I had on XX/XX/XXXX.XX/XX/2018. Ideally, remove the entire tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XX/XX/2019 I was issued at EDD debit card to Bank of America I soon after I was XXXX  due to a traffic violation I serve time recently coming home I acknowledged that EDD unemployment was making payments to me which is money I earned through Bank of America into my account with somehow or being used unauthorized and fraudulently and pretty much my money was stolen from me throughout those years of being XXXX amount of XXXX approximately was taken from me which was paid to me I did not authorize the charges furthermore there was three debit cards issued to that account after I was gone which I didn't authorize or ask for and my money was stolen from me I asked that you help reinvestigate to see that my money is credits to my account and giving back to me 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 explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: NJ
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 XXXXXXXX, Acct # XXXX, and XXXX XXXX XXXX, Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-10
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted Cardinal Financial regarding the removal of my PMI  in XXXX, XXXX when the principal balance of my mortgage would reach 80 % of the " Original Value '' of my home. 

By letter dated XX/XX/XXXX I was notified that I had two options ; XXXX ) make a principal reduction payment of {$3100.00} or XXXX ) Pay them {$190.00} for a property evaluation to determine the " Current-Value '' XXXX ratio XXXX 

By letter dated XX/XX/XXXX I informed Cardinal Financial that I was requesting cancellation of the PMI after my XX/XX/XXXX payment when my principal balance would be 79.67 % of the " Original Value '' of my home. 

By letter dated XX/XX/XXXX from Cardinal Financial, I received the same information that was sent to me dated XX/XX/XXXX. 

It's like they did not even read my letter and sent me a generic response letter and did not even look at my account to see that I have been making an additional monthly payment of {$1500.00} per month since my mortgage payments began on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-08-30
Company: EQUIFAX, INC.
State: OH
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 contacted Equifax on XX/XX/2018 for your inquiry in case # XXXX and again today XX/XX/XXXX, case number is XXXX # XXXX. 

I have never lived at this location and want it removed from my credit report immediately. 

Former XXXX XXXX XXXX XXXX ARIZONA XXXX

Company response to consumer: Closed with non-monetary relief