BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
The XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XX/XX/2019 Capital One Spark Business XXXX. XXXX XXXX XXXX, VA XXXX CEASE AND DESIST If you are represented by legal counsel, please direct this letter to your attorney immediately and have your attorney notify us of such representation. 

We are writing to notify you that XXXX XXXX, the person to whom you addressed your letter, is not and has never been associated with XXXX XXXX XXXX. Accordingly, you are hereby directed to CEASE AND DESIST SENDING CORRESPONDENCE TO XXXX XXXX AT XXXX  XXXX XXXX XXXX XXXX, CEO of the XXXX XXXX, is the sole owner of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, TX  XXXX It has come to our attention that you have been sending letters to XXXX XXXX, who is not and has never been, associated with The XXXX XXXX. 

We demand that you immediately ( A ) cease and desist your unlawful use of someone else 's name associate with The XXXX XXXX and ( B ) provide us with prompt written assurance within ten ( 10 ) days that you will and desist from sending correspondence addressed to XXXX XXXX. 

If you do not comply with this and desist demand within this time period, XXXX XXXX is entitled to use your failure to comply as evidence of willful infringement and seek monetary damages and equitable relief. 

In the event you fail to meet this demand, please be advised that XXXX XXXX has asked us to communicate to you that it will contemplate pursuing all available legal remedies, including seeking monetary damages, injunctive relief, and an order that you pay court costs and attorneys fees. Your liability and exposure under such legal action could be considerable. 

Before taking these steps, however, XXXX XXXX, sole proprietor of XXXX XXXX XXXX, wished to give you one opportunity to discontinue your illegal conduct by complying with this demand within ten ( 10 ) days. If you or your attorney have any questions, please contact me directly. 

Sincerely, XXXX XXXX, CEO cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NJ
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: JPMORGAN CHASE & CO.
State: CO
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 bought 2 round trip airline tickets from XXXX. They said they were charging me roughly {$2000.00} for the tickets. Later I only received a confirmation for the return flights, not the outbound flights and was charged roughly half the cost. 

I called them and they said there was a problem with the outbound flights but did not know why they had not gone through. I told them I do not want return tickets if I am not getting outbound tickets. They refused to cancel or refund my money. 

I called Chase Bank who I have my VISA card though. I told them I was ripped off and scammed. I said I was told I was buying round trip tickets and was only sold one way tickets. I said the company would not refund my money. They said they can not do anything because of the state the charge is in. I told them I am reporting a scam and being ripped off and expect them to look into it. I told them I do not care what state a transaction is in. I will not pay for one way return tickets. I let them know I was furious at reporting this and having two people tell me there is nothing they can do. 

This conversation was recored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
These are showing late. I have never been late and have contacted the creditors. I showed them my bank statements, they all said they would be removed but nothing has has been removed or updated. 
XXXX XXXX XXXX XXXX XXXX - 30 day late XX/XX/XXXX XXXX XXXX XXXX 30 day late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX 30 day late XX/XX/XXXX XXXX XXXX - 30 day XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - 30 day XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - 60 day late XX/XX/XXXX, XX/XX/XXXX XXXX 90 day late XX/XX/XXXX There have been XXXX inquiries on my credit report in the past 120 days. I did not give these creditors permission to run my credit. 
My credit report also shows XXXX delinquent trades XXXX XXXX installment delinquencies XXXXXXXX XXXX revolving delinquencies XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: Controlled Credit Corporation
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Have repeatedly asked this company to stop contacting me and they still continue to do so. Most recently contacted them on XX/XX/XXXX at XXXX XXXX ( please see attached screenshot ) to yet again tell them to stop contacting me. They said my account was noted. Today I received yet another letter in the mail ( XX/XX/XXXX ) dated for XX/XX/XXXX, a day after I asked them yet again to not contact me. Please see attached screenshots. They have called my work repeatedly after requesting them not to. They constantly call my phone and send me letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can I please lift my fraud alert and security freeze temporally for 3 month, I haven't received the pin to remove it, please send it to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: AZ
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:
I have worked for the county and or state for the past 10 years in front line positions in which I qualify for the loan forgiveness program. Every time I called Navient for assistance as I could not afford to pay my student loan, they would direct me to do a forbearance or deferment which I did ; however, I was never informed or given the option of the income based repayment plan nor told that this plams as opposed to a deferment or forbearance would count toward the loan forgiveness plan. I reached the 10 year mark for having my loans forgiven and was informed that due to not being on the right plan, I had another 8 years to go! This is unfair as I have worked jobs in which I am due and qualify to have my loan forgiven yet I jave bedn railroaded ans forced to pay longer. It's not fair & it's not my fault that they only gave me the options of deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
The problem is with my Banco Popular de Puerto Rico credit cards. Last XX/XX/XXXX, we purchased some windows from XXXX XXXX XXXX in PR for {$10000.00} plus {$2600.00} ( installation cost ). The deposit appeared on the XX/XX/XXXX statement and remaining balance charges appeared for the first time in the XX/XX/XXXX, statement. Even though the company offered 10 years warranty, as soon as they were installed we have noticed that the windows do not open/close properly, some mechanical parts broke, etc. This all happened in the middle of Hurricanes Irma and Maria problems in PR. We did our best to reach the seller and filed a complaint with them but there has been no response. Our last contact with the seller was on XX/XX/XXXX via email, but have not received any response. On XX/XX/XXXX, we filed a complaint with Banco Popular de PR, and today the Bank called to state that my complaint was late and that they were not going to process it. I understand the delay, but the bank should take into consideration that the quality of the purchased products could not be assessed before the windows were installed, that happened in XX/XX/XXXX. The bank should also take into account that the hurricanes were the main cause for the " delayed '' filing.

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 2023-07-05
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:
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX. 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act the Credit Bureaus have violated my rights. Bankruptcy courts do not report nor release information about Bankruptcies to credit bureaus, third parties or consumer reporting agencies which means my rights have been violated under law. My bankruptcy has been dismissed and the credit bureaus continue to report it after requesting many times the removal of this bankruptcy from my credit reports. They have failed to comply with my requests and continue to report. This vicious illegal act is ruining my life, my health, my finances, job opportunities and my family 's well-being. 

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

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

15. U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2022-09-14
Company: Experian Information Solutions Inc.
State: IL
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 hopes that the CFPB can help me finally resolve this dispute. I received a copy of my Experian and XXXX credit report and noticed a few discrepancies with how XXXX is reporting this account to Experian and XXXX. I've asked XXXX several times to correct my report but they have continuously refused to report this account accurately. 

This account was paid in a settlement on XX/XX/2018. There are several discrepancies with how XXXX is currently reporting this account to Experian and XXXX. I am requesting XXXX to thoroughly investigate the discrepancies of how this account is reporting to Experian and XXXX or delete the entire tradeline which contains discrepant information.

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 2020-03-01
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 and XX/XX/2019, I made payments of {$600.00} each month to Ditech ( formerly Green Tree ). I generally had a payment of around {$58.00} due but I had overpaid with the amount of {$600.00} a month for a couple years online on the XXXX of the month. Ditech held the payments both months and did not apply the payments until XX/XX/2019. I repeatedly wrote to Ditech and asked them to backdate the payments to the dates received. Ditech did not and I accumulated additional interest because of Ditech 's failure to timely apply my payments. 

Ditech also took retaliatory steps to remove my Payment History from my online page since I printed it and used it to complain about their failure to timely apply my payments. Ditech also removed my messaging history so that the messages I had sent them to complain were removed. They still have payment history and messaging tabs available and I had been able to access this information online before I began to complain about their failure to apply XXXX XX/XX/19 and XX/XX/19 payments as of the date received and not 60 and 30 days later respectively.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XXXX. My account was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX. When this happened, My account was listed as CLOSED with all credit reporting agencies, Trans Union, XXXX, and XXXX. On XX/XX/XXXX, My account was added back to XXXX. In XXXX of XXXX, my account was added back to XXXX. As of Today XXXX. 14 months later, My account is still not on my Trans Union credit report as an Open account. It is still CLOSED. I have made ALL payments on Time. I have contacted the credit union directly multiple times. Evidently the employees I have spoke to Do not clearly understand what they need to do to fix my credit report. It is not the reporting agencies that have the issue, it is XXXX XXXX XXXX XXXX XXXX XXXX that has the issue with reporting my account correctly. I recently checked my XXXX report and saw that the balance on my account had not been updated since XX/XX/XXXX. I sent a dispute through XXXX on XXXX for the balance to be updated. On XXXX I received notice that the account was Closed. The account is still Open with a balance. 
Currently only my XXXX report is correct. 
The last time all of my reports were correct was XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Nelnet 's website will not work. It loads to a blank white page regardless of device, or browser used. With the looming deadline fast approaching, many of us feel as this is a tactic of theirs to dissuade people from trying to adjust their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. 

Do not close my complaint and ask for proof of my identity because all the attached letters have my ID and Proof of Address in it. 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 non-monetary relief
Consumer complaint received 2023-08-07
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This is reference to US AUTO SALES. WE WERE HAVING ISSUES WITH THIS COMPANY FROM THE BEGINNING. THE SOLD US A CAR THAT ONLY RAN FOR ONE DAY. WE REQUESTED TO GET A REFUND. THEY REFUSED. THEY TOKD US TO PICK SOMETHING ELSE WE THEN CHOSE A XXXX XXXX. THE CAR THEN STARTED CUTTING OFF DUE TO THE THING THEY INSTALLED ON THE CAR TO SHUT THE CAR DOWN FOR NONPAYMENT. THE THING WAS SHUTTING THE CAR DOWN EVEN WITH THEM RECEIVING PAYMENT. THE THING SHUT THE CAR DOWN IN TRAFFIC ONE DAY WHILE I WAS IN XXXX ON THE INTERSTATE WHILE I HAD MY GRANDCHILDREN IN THE CAR WITH ME. WE CALLED THEM THE CAR WAS TOWED TO A SHOP. I FINALLY TOOK THE CAR TO AN INDEPENDENT REPAIR SHOP AND THE MECHANIC STATED THE THING WAS MALFUNCTIONING AND COULD SET THE CAR ON FIRE AND THATS WHY THE CAR WAS SHUTTING OFF. HE SAID THE INSTALLATION WAS FAULTY. THEY STILL REFUSED TO TAKE THE CAR BACK EVEN AFTER WE INFORMED THEM OF HOW THEY ENDANGERED US. They finally repossessed the car XX/XX/2022 and now its on my credit report. They should be held liable for endangering us.

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 2020-03-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are 2 transaction from XXXX that you guys are trying to charge me back from my dispute, one on XX/XX/2019 for {$230.00} and XX/XX/2019 for {$340.00}, as i have disputed these items since i never gotten the item and i have contacted XXXX many time and most of the time i was just on hold this is why i'm currently disputing the transaction on my bank account. and all of a sudden you guys decided to charge me back with a letter stating that you guys want a letter from me when i try to contact you guys back and someone told me nothing is wrong? this doesn't make any sense ... ..anyways, i still don't have the items that i purchased online and this isn't fair for me to be charge for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
My prepaid card was charged XXXX for a fraudulent purchase. The purchase was Made at a XXXX in a city I have never visited. After communicating to American Express Serve that this was not a valid purchase the transaction was approved anyway. I filed a claim for fraud with American Express Serve and was told it would be resolved by the XXXX of XXXX. I never heard back from the company. I called on the XXXX and was told to check back on the XXXX. Checked back on the XXXX and was told to check on the XXXX. Called back on the XXXX and still no resolution. They will not share the findings of their investigation via email or phone. I just want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
hello, i opened three accounts with First National Bank of Pennsylvania - Personal checking, business checking and a savings, I believe it was in XX/XX/2017. First National Bank closed my Business Checking Account and My Savings Account without prior notice somewhere around XX/XX/2017. My accounts were at a {$0.00} balance. I had a debit card and checks for the business checking account. I don't feel this was right. i could see if it was at a negative balance for an unreasonable amount of time but instead they closed it for zero activity. The account had not been open for more Unfortunately I don't have any other information because the account was closed and i can't retrieve my account number online anymore. The name on the account was XXXX XXXX DBA XXXX XXXX XXXX ( or something like that ).

Company response to consumer: Closed with explanation