BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2018 I went into agreement with XXXX XXXX XXXX who's Merchant name is " XXXX XXXX XXXX XXXX '' to rent a vacation rental property in XXXX. The agreed amount was {$1500.00} ( {$210.00} per night ) I paid with Capital One Credit card.

I paid to Merchant {$1800.00} including {$300.00} refundable security deposit ( paid in cash ).

The Merchant was dishonest, the property was poorly maintained, dirty, was infested by cockroaches and there was an intense sewage smell coming from one of the bathrooms. We contacted Merchant and asked to correct the problems. They failed to correct the problems. We moved out after one night and we purchased a separate hotel for the rest of our vacation.

Merchant refused to issue ANY refund. They kept {$1800.00}, which is more than agreement. They never refunded me security deposit against their own policies.

I contacted Capital One Visa card. They initially issued a refund. They requested additional information. I sent them pictures, video, a letter describing in details what has happened. I sent the requested documentation by certified mail with returned receipt. Couple days later I called and I spoke with Capital One representative who confirmed that all the documentation was received, the documentation is complete and that I have proven my case.

Two weeks later I've received a letter from Capital One.

Capital One has closed my case, reapplied the charges to my account because " lack of previously requested information ''.

How is it possible that two weeks earlier Capital One confirmed receiving all necessary documentation, confirmed validity and then two weeks later reapplied charges back, claiming they didn't?

Capital One Visa failed to protect me as a customer from dishonest Merchant. They claim they do and that there is {$0.00} responsibility on fraudulent activities. It didn't work in my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have created accounts with the 3 major credit reporting agencies have been trying to update my address information and upload documents and their sites are always down or dont accept the uploads

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have submitted several request to update and correct my name and addresses that are on my consumer report. By law nothing should be on my report without that is incorrect or approved be me the consumer. My name is XXXX XXXX XXXX no other name or names should be on my credit profile as they are not correct. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX no other addresses or previous addresses as they are incorrect should be on credit profile. It's the duty of these consumer reporting agencies to provide accurate and exact information with the consumer consent as all this information is my personal information. Please update with XXXX name and XXXX address.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 accounts, bankruptcies and unknown things on my credit report. To this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 2020-07-30
Company: Dovenmuehle Mortgage, 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 status incorrect

Complaint:
The Mortgage servicing company is Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reached out to the 3 credit bureaus months ago and already explained to them those late payments should not be on my report because that was during Covid and that account is in deferment, but till this day I have not received any response to them. They haven't verified anything or showed me any proof that these late payments are factual. I want them updated to paid as agreed because I was never late and this is affecting my credit. Also Its been well over 60 days and this should be an automatic removal for not responding and those inquiries are fraudulent and should not be there as well.

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 2018-09-28
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Working with XXXX XXXX XXXX medical supplies for XXXX XXXX supplies. Company is very messed up on website and billing. Bills came with number and very confusing information. Called numerous times over a year, even reps at the company were confused about account and they said they can not see what I see on their own website which is crazy. Finally changed suppliers and things are fine. But XXXX XXXX XXXX is saying I owe {$180.00} which I do not believe I do since website has numerous duplications of equipment and items I did not order. It finally went to XXXX XXXX XXXX and I requested in plain easy to understand what items they are supposedly billing me for. Its been over a month now and have not received a statement as of yet. Today the collection agency called me to pay and I said I am awaiting paper work. They inturn said yes XXXX XXXX XXXX has not gotten back to us. so I said why are you calling me then. They just apologized. This company is just a crazy mess and I want this to stop. 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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following inquiries appearing on my credit report are false/fraud. I have tried to call Transunion repeatedly and was unsuccessful due to language barriers between agents and myself. No credit was obtain due to these inquiries. I am requesting Transunion remove them IMMEDIATELY. I am also a COVID-19 victime. 

( TRANSUNION FIle ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020, XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/2020 )

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 2018-09-28
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been working with XXXX XXXX for going on 5 months trying to repair my credit and pay off debts. I have been on a payment plan for going on 3 months instead they continue to send threatening letters with lawsuits even though I'm in the process of paying off the debt. Every time I talk to somebody on the phone they pretend like they don't know what's going on it's a very uncomfortable experience. I have no idea why they keep sending letters to be taken to court when I am in the process of paying the debts currently. I have received 11 letters in the past 3 months. Every time I try to rectify the situation they tell me that the person that is working on my account is not in the office. Again I have been making current pants for the past 3 months yet they continue to pursue me for a lawsuit. They are also sending the letters in the mail without an envelope with everything written in the open on a postcard for anybody to look at that comes across the mail. This is nothing short of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Phone : ( XXXX ) XXXX in XX/XX/2018 regarding a debt from XXXX that in my recollection was paid in full. The debt was for {$450.00}. I called the collection agency and asked them to validate and verify the debt. I was sent a bill from XXXX, that simply showed a balance, but did not provide any details of the reason for the debt. I called the collection agency the week of XX/XX/XXXX, and after being transferred multiple times, the representative from Convergent explained that they could not find the account and I should call back. I called back and spoke with a representative during the same week, and explained what was sent to me. She was kind and empathetic and said they would send a detailed, itemized bill that would explain the debt. I heard nothing after that. I was notified on or around XX/XX/XXXX that the company reported the debt to XXXX.

I called the collection agency and explained that I still have not received information that validates the debt. The person became combative and said there's nothing they would do about it. I asked to speak with a supervisor and was hung up on.

I've submitted two disputes to XXXX, and the outcome was that the company validated the debt. I have still not received any information that validates this debt, according to the FDCPA guidelines.

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 2022-11-19
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: Westcreek Financial
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a line of credit in XXXX XXXXwith Koalafi  formerly West Creek.I was denied credit, however they're refusing to return the {$40.00} fee which was debited from my checking account on XXXX want the funds returned because they were unable to provide services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Some use my identity at Wells Fargo bank i lost ID and got a police to show for it

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 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020. I mistakenly sent {$350.00} to XXXX XXXX XXXX through XXXX XXXX. As soon as I realized it was a mistake, I tried to reach XXXX XXXX XXXX but to no success. She blocked my phone. I tried to complain to XXXX XXXX  customer care but to no avail. 

I called my bank, Bank of America to let them know and to also find a way to stop the transaction from going through. 

The first person I spoke to told the that the transaction was still in progress. I pleaded that they should not allow the transaction to go through. I told the customer representative to block the transaction and send my money back. 

I did that in less that 24 hours. 

My bank told me that they will investigate the matter. After they did, Their conclusion was that person that received the money said that it was not a mistake. 

I am very much dissatisfied and disappointed at Bank of America for not protecting a customer interest when it matters most. 

My hard earned money is gone with the wind. The person that received the money did not render any services to me to deserve that amount of money I had hope in Bank of America as a financial institution but after this transpired, I am beginning to think of how to leave the bank for good to another bank that will protect my interest when it matters most and at all cost.

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 2022-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I provided WF with screen shots of the trial deposits being made into the external account and screenshots of the entered amounts as trial deposits. Wells Fargo has refused to acknowledge those deposits by returning the message that it doesn't match what they deposited however the picture shows that is a lie. Wells Fargo has suspended my account and refuses to provide a resolution. They now are blaming the external institution and saying that THEY are the one preventing the link from happening. I've contacted the external institution on several occasions and they deny these accusations because as you can clearly see from the screenshots, the deposits are being made. If they were blocking this process then the deposits would not be made nor would I see it as activity posted to my account. So, yet again, Wells Fargo lies!

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 2020-07-31
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
US BANK XX/XX/2019 Credit Inquiry unverified but still persist 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 explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
checking my file a lot of information is invalid. I am disputing all invalid information on my Equifax credit report to help fix my file correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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: Problem with personal statement of dispute

Complaint:
Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX Card : XXXX XXXX inquiry not mine XXXX Card : XX/XX/XXXX inquiry not mine XXXX XXXX   XX/XX/XXXX inquiry not authorized XXXX XXXX XX/XX/XXXX inquiry not authorized XXXX XXXX XX/XX/XXXX inquiry not authorized. Sales person pulled without my consent XXXX XXXX XXXX XX/XX/XXXX inquiry not mine XXXX XXXX XX/XX/XXXX pulled a 2nd inquiry in error. 

XXXX on XX/XX/XXXX inquiry not mine

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction. 


In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

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