BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I downloaded the capital one shopping application, signed up for the rewards program, used the program/app to search for 2 items, and used the app through which I purchased the 2 items. The app promised 35 % back in rewards, see attachment of one of the items. I made the purchase through the app in the amount of {$750.00}, see attachment and would like the {$260.00} in rewards I was promised via the app. 

My issue is that I could have purchased the 2 items directly from the manufacturer who was having a 25 % off sale but, I chose to purchase the items at full price through Capital One Shopping due to the 35 % rewards offer. 

Now, Capital One is refusing to honor its offer and not crediting my account the 35 % which they advertised. I have been trying to resolve this issue since XX/XX/2022. I have been communicating with XXXX and XXXX of Capital One shopping for almost 3 weeks and they can not find any record of the transaction. Whether this is an internal glitch with the Cap One shopping app or malicious dishonesty and fraud is not my concern. My main issue is that these 2 items were purchased as gift, which have already been given. If I could, I would return the items and repurchase them at a lower price from the manufacturer but, that is no longer an option because the items have already been given as gifts. I am requesting that you hold Capital One accountable to their advertisement/offer and have them provide me with the 35 % in rewards, per the agreement- which comes out to be {$260.00}. 

I completed a transaction for {$750.00} with the Capital One Shopping application on my XXXX. Attached, please find a copy of the transaction confirmation in the Cap One Shopping app. Please note the 35 % tag in the top right part of the screen, the amount of the transaction, and the email I used as the username for the account. Capital One I didnt have any ad-blockers turned on and I have sent Cap One a screenshot of the transaction from their application showing that the transaction was completed and their 35 % rewards note at the top of the page. 

It's right there in black and white, evidence of the transaction in Capital One 's app and they still won't honor their rewards offer? Capital One spends millions of dollars advertising for new client acquisitions but, uses dishonest and deceptive practices for client retention. As I mentioned before, I'm just trying to get the rewards I was promised on their application which I used to purchase a {$750.00} gift at full price at XXXX XXXX ( through their application ) instead of purchasing the same items at a 25 % off sale on the manufacturer 's website. Their application has cost me money and I will continue with this matter until it is resolved. If you are unable to help me resolve this issue, please give me the contact information for someone who can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Future Judgement Solutions
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received a phone call from a company called FJS. A woman named XXXX XXXX informed me that she would be my case worker and will be helping me make a payment plan for the debt that I owe to a school I attended. She told me that I could either pay {$700.00} upfront OR pay the full amount of {$1200.00} over several months. I chose the monthly option. I was given a document to sign to confirm payment authorization but never a letter from them verifying my debt. ( I didnt know they were required to do this ). The following month, a second payment of {$210.00} was due on the XXXX. The money was never removed from my account so I got suspicious. I called them several times within the last week to verify some things and they have not answered my calls. Ive tried to find my account on their website, but the page kept saying error. It was impossible to track down my case worker, XXXX. She was on vacation for two weeks apparently, but even after the two weeks I still havent heard a word from her. I asked my bank to block them. Today, XX/XX/XXXX, after I called for several days and blocked them, they finally called me back. After doing my research, I decided it was best I ask for a verification letter because I never received one and am no longer sure this company is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: MARINER FINANCE, LLC
State: TX
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:
Upon receiving my credit report in the mail Mariner Finance , LLC has done an inquiry on me without my consent. Their address is XXXX XXXX XXXX XXXX XXXX, Md XXXX. Date of inquiry was XX/XX/2022 Please have this inquiry removed. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed disputes with all three credit bureaus and not one received a response from the creditor nor the creditor mark the account as disputed.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-02-21
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received no letter no bill saying that this is my account. I dont know why its showing up on XXXX and on three credit reports. Its not my 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 explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this 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 2023-02-14
Company: First Service Residential, Nevada, LLC
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want my account wiped clean. I also want a credit of {$20000.00} for the time, harrasment and not being able to use the facilities for XXXX years since the day we moved in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mine. I never signed any agreement with the institution. I never authorized this account. The account needs to be deleted most expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.

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 2023-01-08
Company: TRUIST FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I entered into a consumer credit transaction with XXXX XXXX XXXX of XXXX, XXXX XXXX I went in to purchase a car in my business name, but unfortunately, I was not able to do that. I was informed by their Finance Manager who goes by the name of XXXX, that had to use my credit to get the car. So because I thought I was in good hands I did that. The car was financed through Truist Bank. Recently I have fallen on extremely hard times and have been unable to maintain payments. I have pleaded with Truist Bank but I couldn't seem to come to any resolution. And now they've threatened to repossess my vehicle from me. I must admit I was afraid and stressed to the max because I need my vehicle. So I went to discuss this matter with someone who is extremely familiar with these types of transactions and they told me to start researching consumer laws. Every since then I have been studying extensively. I noticed a few things were not done or were not done properly. On XX/XX/XXXX, I sent Truist Bank a Cease and Desist as well as a Validation of Debt letter by certified mail. They received the letter it on XX/XX/XXXX, it was received by XXXX XXXX. I have a copy of the letter and return receipt attached to the complaint. The Cease and Desist state a number of things, one of which is to cease all communication through ANY MEDIUM in regards to this debt. Since they have received the Cease and Desist they have not abided by it. They have called me numerous times since receiving the letter, I have it documented. Since they have not abided by my request which states they have to be Federal Law. I decided to file this complaint in hopes that this would make them abide by the rules of construction set forth in the FDCPA. I have attached the Cease and Desist and Validation of Debt, which I sent to Truist Bank as well as the Return Receipt for your review.

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 2019-06-13
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with BB & T. When I first got my mortgage 4 years ago, I immediately discovered that BB & T does not apply interest correctly. We pay our mortgage in excess each month, spread out over 2 payments. BB & T uses a suspense account and does not apply our payment timely. This is a violation of Federal Law {$15.00} U.S.C. 1639f. It is also a violation of the mortgage agreement that I have with BB & T which only allows for the use of suspense accounts if the loan is not current. My loan has never not been current. 4 years ago I reached out to CFPB about this issue and BB & T promptly corrected the issue. At that time, BB & T admitted that their system was not capable of processing the payments correctly and that I just needed to call to have it done manually. I reached out in XX/XX/XXXX of this year and asked them to correct 4 years of payments. I also have found a discrepancy in terms of how BB & T accounts for the Escrow payments. The total balance of my Escrow account does not match the total on my annual escrow statement. 2 forms prepared by BB & T do not match each other. BB & T owes me somewhere in the neighborhood of {$5000.00} based on how the interest is applied. It's been 2 months and BB & T has not gotten back to be despite promising to do so. My contact at BB & T is XXXX XXXX, she is very nice. The person she passed my issue off to has not responded. 

I ALSO BELIEVE THAT THE CFPB SHOULD INVESTIGATE BB & T BECAUSE OF THESE ISSUES. IT'S VERY LIKELY THAT CONSUMERS ARE BEING TAKEN ADVANTAGE SINCE BB & T CAME OUT AND ADMITTED TO ME THAT THEIR SYSTEM DOES NOT COMPLY WITH FEDERAL LAW.

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 2023-01-08
Company: CAC Financial Corp
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The hospital never billed my insurance company ; I contacted the hospital and was told they would rebill my insurance company the amount owed and would notify me if I still owed anything ; I was never notified of an outstanding bill, I was never told the account was turned over to collections, I was never notified by collection agency before putting on my credit report, and the monetary amount provided on my credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX/DEPT OF ED Balance details 0 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$21000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$21000.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of  the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from 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 explanation