BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Dear CFPB Staff. 

I am writing you concerning the anti-consumer behavior of Capital One 's call center staff over a legitimate dispute I have with a merchant. 

On XX/XX/XXXX I was informed by a Supervisor level staff member at Capital One on how to write and upload a letter clearly stating that a merchant 's response to our case was Invalid, and that the credit on my credit card account would be returned by Monday XX/XX/XXXX. 

It was not. I called again yesterday XX/XX/XXXX XXXX. I first spoke with a base level phone rep who after putting me on hold quickly tried to get me off the phone in a shady manner. It was clear he was trying to dodge around the fact they had no intention of honoring anything that had been guaranteed to us way back on XX/XX/XXXX, even very quickly muttering both the conversation with the supervisor on that XXXX and that she had stated that in an attempt to quickly skip by it and get us off the phone! 

I then demanded a supervisor. The supervisor stalled us keeping us on hold making me have to stay up until XXXX! 

It is clear the ( suppose ) Supervisor stalled and hanged up on us intentionally. And the first phone rep that day had confirmed our call back number in their system in case we get disconnected, as there was no call back attempt, no email follow up, nothing. 

We still have not received the almost {$480.00} in merchandise and Capital One 's overseas employees are causing them to break the obligations to American consumers required by law. 

We do not directly blame Capital One, but we request your assistance in helping us reach the higher channels of Capital One so they may be aware of this anti-consumer happening so that they may launch  an investigation and immediately credit us as promised as all has been provided as requested and guaranteed by their staff. 


Sincerely, An overall happy costumer XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: Continental Finance Company, LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Paid Balance off and they closed my account and reported it as a default

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 2022-12-02
Company: EQUIFAX, INC.
State: GA
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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Please The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Please The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-09-19
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I paid off the balance of my leased XXXX XXXX XXXX with Honda Financial Services after confirming the amount that was owed with a lease end specialist at HFS. The check was posted and my online account view shows a {$0.00} balance on the account. To date, I have not received release of the title.

HFS states in the lease end FAQs that title will be released in 2-3 weeks. I have HFS called 3 times after one month 's time asking about the release of my title. First call, I was informed the title was released on XX/XX/XXXX and I should wait 4-6 weeks to receive it. I called XXXX XXXX and was told I would have it expedited and receive a tracking number by Friday, XXXX. I called on XX/XX/XXXX and was told my case was open but they had not resolved the case yet. I was assured it had been expedited. But could receive no information about any problem with the title/lease end, the whereabouts of the title or when it would be released when I directly asked. I was advised twice that HFS was having " trouble '' in their title department. 

The same day I looked up requirements in PA for title release and it is supposed to happen within days. I reported the situation to XXXX and received an e-mail that told me that HFS still had the title. They suggested I advise them to file a XXXX for a duplicate title if it was lost?????? 

I am requesting your help in getting my title released from Honda Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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:
I am filing this report because today XX/XX/19 I was made aware of some accounts on my credit report that aren't mine. These accounts were opened by someone named XXXX XXXX without my permission. I have no idea who that person is or why they opened those accounts in my name but I have already filed a police report regarding those fraudulent accounts. None of those accounts belong to me nor did I ever make any purchases or payments with any of those accounts. I do not have any contract/agreement with any of those companies and I did not give them permission to run my credit or view my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello my name is XXXX XXXX I set up a square business account but deactivated it by mistake and I have a XXXX $ in there, it's yet to be sent to my XXXX  account and when I triy contacting the support lines it never goes through

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had applied refinace my two rental properties In California State no cost loans with Home Point Finical on XXXX XXXX.I sumitted all documents they asked for it but Loan Officer XXXX XXXX keep asking same documents over and over till today date, Mean while I has applied third prperty no cost refinance with XXXX XXXX XXXX XXXX. same time in XX/XX/2021 within 30days they are ready to close but XXXX XXXX XXXX want do my all three properties better than XXXX  co.I gave to them but XXXX keep delaying for same documents over again they keep extend my closing, Afterwords rate is going XXXX asking to pay higher cost to get orginal rate, I told them you keep delaying closing and it's no cost loans, I do not want refinance loan with you, Mean while they order three appraisals for closing they said no cost loan we are going to credit to you on my XXXX  XXXX credit card, I sent letter to XXXX and Home point Finical for refund on my credit card payment. But till today date they not reply back to me. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL 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 2023-05-18
Company: EQUIFAX, 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:
I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the accounts listed below be removed/deleted.

According to 15 USC 1681 ; I have the right or privacy and I did not give Equifax written permission to furnish inaccurate accounts listed below. 

Account Name & Account Number : XXXX XXXX XXXX XXXX 
Account Name & Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out this loan in XX/XX/XXXX for {$1500.00}. I have been drafted biweekly since for about {$150.00}. I called today, XX/XX/XXXX around XXXX XXXX est, and inquired why are they still taking auto payments? I feel that I've paid more than what I borrowed. The agent, name unknown, but it was a female, says I missed 8 payments and they are charging me daily interest. She said repeatedly I only owe 3 more payments. I asked that they discontinue auto pay and move their expectation of payment on XXXX. She says she did as I requested and an email would come to me confirming. I asked her to note my account that I would pay the {$340.00} she stated I still owed by XX/XX/XXXX. She then explained I needed to call before paying because of daily interest. In her previous explanation she said interest was charged because I missed payments. So now at this point in the convo, I am confused, if you moved the payment for XXXX and I pay balance owed by XX/XX/XXXX, why would I need to call for a new balance? That is when I expressed to her I am confused and begin asking close ended questions to ensure I was getting all the information. She was adamant in adding on narratives to simple yes or no questions. I kept saying if I owe 3 more payments and you would have drafted them biweekly thru XXXX, why would I need to call for balance? Then she said she told me I owed {$340.00} " as of today. '' Our whole convo was basis some tricky wording and this agent was intent on allowing me to remain confused about how to pay this off and be done. I truly feel her intent was to deceive me, and when I did not accept and hang up, she begin talking over me. She started speaking when I was speaking and I continued speaking and she then egregiously accused me of over talking her and hung up on me. I am speechless at her behavior and I find it abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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. 

XXXX / XXXX XXXX BANK Account Number XXXX ; XXXX  XXXX  Account Number XXXX ; XXXX  XXXX Account Number XXXX ; DEPT OF ED/XXXX  Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX XXXX  Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX Account XXXX XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXXXXXX XXXX XXXX  XXXX Account Number XXXX ; XXXX XXXX XXXX  Account Number 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 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 explanation
Consumer complaint received 2019-06-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
I have five inquires on my credit report that I do not recognize the inquires include on date on XX/XX/2018 from credit acceptance/CAC, On XX/XX/2018 come credit acceptance/CAC, on XX/XX/2018 from credit acceptance/CAC, on XX/XX/2018/ from XXXX XXXX XXXX and on XX/XX/2018 from XXXX these five companies have inquired on my credit report without my permission

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 2021-01-29
Company: U.S. BANCORP
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I noticed I had a credit inquiry from a US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX in XX/XX/2020 I do not recognize this bank or why they would inquire about my credit

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 2020-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX XXXX XXXX  account has been charged off. They attempted to sue me and that lawsuit was dropped after I disclosed my financial status. This account is no longer on my credit report. I do not have the entire account number but the last four digits are XXXX. 
Amount owed is {$1900.00}. This account was acquired in 2011 by Portfolio Recovery. 
Portfolio Recovery has been has been trying to collect this debt. There are making harassing phone calls. They are also trying to collect a debt from XXXX. I have never had a XXXX account. I have disputed the XXXX account with them. 
I would like the calls from Portfolio Recovery to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to DELETE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-18
Company: EQUIFAX, INC.
State: GA
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief