BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: RRD Financial LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I have been paying the car until now with a few days late, the people at the bank are very rude, last month I paid XXXX dollars for the delay and it had not been more than a month on the same day they sent the tow truck and me They took the car when I had already paid for it, now it is only one day late and they are calling me at XXXX XXXX in the morning and when they are only 7 days late they turn off the car I pay XXXX dollars when they are 7 days late and I have to pay XXXX every 15 days they give me a terrible service I have asked for help to try to make a new contract and pay the monthly car and they do not want to accept I need help for a new contract or return the car without damaging my credit Name of the company RRD FINANCIAL

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 XX/XX/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 explanation
Consumer complaint received 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I mailed a VALIDATION letter to kohls department store on XX/XX/XXXX. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company delete this credit card from my credit as its causing me distress. I DO NOT owe the balance of { {$640.00} } as reported XX/XX/XXXX or any other updated balance that Kohls currently alleges I owe for Account Number : due to the following : Kohl 's has NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed in XXXX Kohl 's only provides a card agreement which is NOT a signed contract. 

Kohls also offered to delete balance and change status to closed account due to a class action settlement. The Kohls class action lawsuit was filed in XX/XX/XXXX by several plaintiffs claiming that the retailer and Capital One engage in unfair and deceptive practices with regard to Payment Protection and PrivacyGuard services. 
Consumers with a Kohls credit card were reportedly charged {$14.00} a month for PrivacyGuard credit monitoring services. However, this amount was allegedly charged to consumers universally, regardless of whether or not consumers had activated the services. In some cases, consumers were reportedly forced to pay {$14.00} a month for a product with little or no value. plaintiffs were not required to prove their case definitely. Instead, we were required only to show a reasonable likelihood that continuing litigation would lead to proof. account should be deleted due to no validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit 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:
XXXX XXXX credit card ( last XXXX of apple card XXXX ), charge was made on my apple credit card on XXXX, by a company named.kpsbventureslic for the amount of {$1400.00}. I disputed this transaction on XXXX XXXX and a provisional adjustment was made.On XXXX XXXX apple reversed it back on XXXX XXXX, claiming they investigated and favored the merchant. They asked for documentation proof and that I find puzzling. How do you prove a transaction was authorized when you don't even recognize the company. I have attempted to contact the merchant several times but I never got a response back.There are no signatures or contract proving this transaction was authorized by me PERIOD. The burden of proof was supposed to be on them. This a fraudulent charge and I need it reversed promptly.I have patiently waited 3 months to resolve the issue.I know my consumer rights and I want this unauthorized charge returned back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts nor did I authorize these companies to pull my credit. I have never lived at these addresses either.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: CA
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 Account # XXXX, Has violated my right. 

15 U.S.C 1681 section 602 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 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

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 2023-06-14
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:
These accounts was fraudulently made, Im a victim of Identity theft. I would like to have them removed based upon the fair credit act. 

XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX  Opened XXXX. {$920.00} Arent medical bills illegal? I thought they werent supposed to report on your 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 non-monetary relief
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Equifax and XXXX  should not be reporting collections on the XXXX XXXX XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also attached a copy of my identification documents for reference. ) These accounts have been discharged. I have attached copies of the documentation I was sent stating the Department has discharged the federal student loan or XXXX XXXX XXXX  obligation This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
US Bank sent me a letter stating they were reducing my credit card limit from {$5000.00} to {$500.00} because of these reasons : my score was XXXX, length of accounts is too short, too few joint accounts, too many open revolving accounts and too many inquiries. 

My credit score is almost XXXX points higher as of XX/XX/XXXX. So that is not a valid reason to reduce my credit limit by 90 %. I have had credit cards for around 2 years. This is because I lived in another country until XXXX. I have a green card and had to establish myself before I could qualify for a credit card. This feels like I'm being discriminated against for being an immigrant. As for too few joint accounts, I'm not married which is why I don't have any. Is it legal to discriminate against someone for not being married? I was not aware there were any laws that required you to have a spouse in order to get a credit card. I'm not sure why they say I have too many revolving accounts as I only have three credit cards and that is much less than most people do. The too many inquiries thing seems odd as well. I have been trying to purchase a new car, which I was finally able to do. I should not be discriminated against for trying to find the best rate. 

The card is currently paid in full as well. I have never gone over the limit either. 

I would like the card reinstated to the {$5000.00} limit they originally gave me. I don't feel it's fair to discriminate against me because I am an unmarried female immigrant.

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 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One is allowing a restaurant in XXXX, XXXX to charge me {$2700.00} USD for a transaction that was supposed to be in XXXX ( Pesos ), which would have roughly been {$130.00}. This restaurant ( XXXX XXXX ) also attempted to charge me {$4700.00} USD the same night. Additionally, XXXX XXXX attempted to charge my cousin over {$10000.00} USD on his credit cards and his company XXXX XXXX XXXX ) rightfully denied the charges. The restaurant does not have a signed receipt from me and never provided me an invoice or receipt. The restaurant in XXXX has many reviews stating they overcharge and double charge people. Capital One is refusing to address my concern and reimburse me the money that was fraudulently taken from me. Capital One is telling me I have to resolve the issue with the restaurant ( which is in a foreign country and has not responded to any of my attempts to contact them ). This is unacceptable that an American company is allowing a restaurant in a foreign company to steal thousands of dollars from an American citizen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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 Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited cash and tried to withdraw but it was frozen

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 2022-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-10
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, The following are the details for the complaint : On XX/XX/XXXX we closed escrow on our primary residence home located in XXXX XXXX, CA Our mortgage broker XXXX XXXX ( XXXX XXXX XXXX, broker XXXX # XXXX, XXXX  # XXXX, Direct : XXXX, XXXX ), included a {$1800.00} charge for interest points that we did not authorize and before signing the escrow / mortgage closing documents, stated that the funds would be reimbursed during the week of XX/XX/XXXX. 

On XX/XX/XXXX XXXX sent us the following email communication stating that the funds would not get reimbursed until the end of XX/XX/XXXX : " As mentioned through our text communication there is a refund due of {$1800.00} to you. I had initially said it would happen this week after recording however, the due date has been changed to XX/XX/XXXX because it has come to my attention that investors are increasing occupancy audits of the files they are funding. If they find discrepancies that can not be resolved, brokers need to repay their full commission. Investors have 180 days to complete these occupancy audits. 

Therefore, if I were to reimburse you and they find an occupancy discrepancy, I would have paid you to do business with me.

I have had 6 audits so far this year with no issues, but since new material has come to light, I need to be sure I will not end up in the negative. 

As I know this is not what we both want, I need to be sure everything passes and there are no issues with my commissions. 

Please mark your calendars and your check will be paid out promptly assuming all is in order after XX/XX/XXXX. Thank you for your understanding. '' We have since further communicated with XXXX and her position is that she will not reimburse the expenses until we move into the property Would appreciate your help! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX  XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX XXXX {$60000.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.

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 2021-12-10
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX and Equifax is violating my right to a fair and accurate credit report. I have filed dispute after dispute and have requested numerous times that XXXX XXXX validate the debts they all reporting to Equifax and any other credit reporting agency, but have failed to get any response other than refusal to validate the debts they are reporting. XXXX is reporting a total of XXXX debts of which some appear to be repeating to Equifax. I have requested by letter and phone that XXXX XXXX provide the name of the original creditor, and proof that the collection agency is licensed to collect in the state of Kentucky. I have also requested that they provide a breakdown of any charges and fees as well as to provide a copy of my signature with the provider of service to release my medical information to them. All my request and efforts have fallen on XXXX  ears by both XXXX XXXX and Equifax. As stated to XXXX XXXX this is not a refusal to pay any debt I owe, but I am unaware of these debts and require validation for anything stated I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
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:
My account was opened and reopened a few times which caused my auto pay to not work and caused late payments to the institutions i was paying at the time. Which wellsfargo told me at the time they didnt know what happened but later found out that they were opening and closing my account to make quota of opening a new account. My credit went down the drain and it was hard for me to take a loan and always had higher interest rates and it was never resolved.

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 2022-10-07
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation