BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Started on XX/XX/2022 when trying to purchase a {$300.00} gift card at a retail location that I frequently shop at. My card was declined by the CC holder ( Capital One ) and I had to complete the purchase using another card. 

Upon looking into my account I found out that a restriction was places on my account due to suspected fraudulent activity. No notification was sent to me, no attempt was made to verify that it was me making the purchase in question. 

I contacted Capital One that day to unlock the account so I could use my card that I use for everything including crucial bills like utilities, childcare and healthcare payments. I was told that in order to unlock my account they would need me to send them images of my personal information over the internet. I initially declined due to an abundance of caution with my PII. At the time I was also using a digital ID in the state of Florida which is legal for both law enforcement and age verification but does not work with Capital One 's ID verification system. 

After escalating this issue with management I was told that there was no option to unlock other than using images of my PII. 

Since that day I have ordered a new physical ID from the state and waited 8 days for it to come in. Upon calling Capital One back to verify my identity using the physical ID, I found out that their verification system does not work 100 % of the time and instead of sending my details to an automated system for verification I would instead have to submit it to Capital One themselves so a human review could be done of my new ID to verify that I am me. This is an obvious concern because now my PII is being purposefully presented to human eyes and transmitted across networks that I do not have control over or have documentation on to prove that they are secure. 

I expressed my extreme displeasure with this process and noted that this situation was 100 % created by capital one, simple steps could have been taken at the front end of the process to confirm my identity and purchase activity. Instead i have been unable to use my primary CC for paying bills for over a week now and have been forced into obtaining a new line of credit so that I can in fact pay bills and support my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Forster and Garbus, have refused multiple offers and attempts to settle this debt and filed a suit which is currently active, they had been notified that I am going through XXXX XXXX XXXX triggered by the XXXX XXXX in XX/XX/2022 which I have notified the court in writing and XXXX XXXX XXXX and repeated over the phone conversation with XXXX XXXX XXXX I have a XXXX XXXX XXXX XXXX XXXX  scan arranged in the first part of XXXX, with one of them on the XX/XX/XXXX, which was one of the court days. I have asked them to arrange settlement last time via signed fax on XX/XX/2022 where I also reminded them not to contact me at the residency address and provided an email and XXXX XXXX XXXX which was the fourth request, once it was via regular mail, second via phone conversation and fourth via judgment response via certified mail. Which are multiple instances of the VIOLATIONS of the 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.6 Communications in connection with debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The credit agency is listing a bankruptcy on our credit report without being able to validate its accuracy. Despite asserting that they've verified the information, the bankruptcy court, the primary source of this data, explicitly refuses to confirm its accuracy, as indicated in the attached letter from the court clerk. 

The court is the sole authoritative entity in this matter and the only party capable of attesting to the information 's precision, effectively undermining the credit agency 's claim of accuracy. To complicate matters, the agency relies on XXXX XXXX to report this information, a third-party entity that lacks the capacity to independently verify the data 's accuracy. 

Given that the agency can not directly verify the information 's accuracy and depends on an unverifiable third party, we insist on the immediate removal of this item from our credit reports.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: MO
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:
I have tried several times to work with Experian ( along with XXXX ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I receive a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. 

Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. Even so, I have sent these letters myself now on 4 occasions.. the companies are ruining people 's lives and are not being held accountable. Thank you in advance for looking into these issues.

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: Sunlight Financial LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/2022 the know XXXX XXXX XXXX installed a ground mount solar system at my address consisting of of 26 400 watt sil fab solar panels and XXXX  components ( cost XXXX ) the system was installed improperly as per XXXX XXXX ( XX/XX/2022 ) and the system was never given permission to operate, the system has not produced one once of electricity, but I am expected to pay for the system? prior to this before installation the salesman promised me at least XXXX XXXX electrical off set XXXX $ cash back just for going solar ( never received ) and promised I would receive a large check from the XXXX XXXX XXXX that would drastically reduce my payment on my loan and recommended that I put that towards my loan or my payment will go up an extra XXXX dollars a month after 17 months, ( Balloon payment ). the initial loan was brokered by Sunlight financial whom does not currently have a license to do business in the state of Virginia were I live. I never received an option to cancel and did not receive the true information about the tax credit until after I signed the paperwork several days later, from this point my loan was sold to XXXX XXXX XXXX XXXX and ( they have not provided me with any loan paperwork either ) see previous complaint that I filed and was closed. XXXX  XXXX was unwilling to work with me at the time and are currently expecting payment for a derelict system that does not work and was not delivered as promised I believe this could fall under serval circumstances 1 Holder rule 2 Lemon law 3 Fraud XXXX XXXX has had a law suit against XXXX since last year and have known of the problems or potential problems due faulty installation and potentially faulty products yet the still installed this systems anyway I did not have to be involved in this mess XXXX  XXXX  and sunlight financial new exactly what they were doing ( a time line can easily prove this ) for the love of money and greed ( FRAUD ) many people are involved in this mess and it should have never happened I feel these companies ran individuals credit saw what it could bare and priced the systems they sold to me and many others for as much as they could get out of us and left us with junk there is defiantly a pattern here thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: FL
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 FCRA XXXX XXXX has violated my rights. 

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was out of work for a month and needed enough to pay some bills. I got a loan in XX/XX/2022 of {$1800.00}. When I was selecting payoff time the only options were long term pay off. I choose the 39 payments which is twice a month at {$250.00} meaning Im paying {$500.00} a month. When I look on the website to see how much I owe, my payments are not making a dent! After further looking into the situation I realize that Im paying {$7000.00} plus what I owe which is absolutely insane!

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 2022-07-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity Bank performed a scheduled maintenance that led to a complete outage ( unable to check your balance, pay bills, use cards ) as well as a customer service outage starting around XX/XX/XXXX, it is now XX/XX/XXXX and there still has not been any communication or fixes other than copy pasted retweeted tweets on XXXX from the Comenity Bank account. 

Hundreds of thousands of users are left without being able to pay their bills, likely will have our credit score affected, and also unable to view our accounts and unable to use the cards at the select stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 am a victim of the Equifax data breach and My Information was bought and sold illegally. I want these items deleted from my credit reports effective immediately. I am providing proof that Equifax has admitted that I am in fact a victim of this data breach and equifax has done nothing. I am providing proof that Equifax has admitted that I am in fact a victim of this data breach and equifax has done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX  Account XXXX My brother contacted XXXX XXXX to get different dates for the condo. I thought he paid the condo fee at the time of due. I moved due to a divorce and did not get anything from XXXX XXXX XXXX XXXX collection notice. I would like to dispute the debt collection and immediately pay XXXX XXXX but I did not know it was not paid. I was never contacted by XXXX XXXX via phone or email, just a mailing which I no longer lived at the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
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:
I purchased 4 small rugs from XXXX. on XX/XX/XXXX. Within a half hour i realized I purchased the wrong size. I tried to cancel but they shipped them anyway. When received I went on line and got a XXXX #. ( return merchandise authorization ). I returned the rugs at my expense on XX/XX/XXXX. I disputed the charge with Chase, my cc company on the same day. At the end of XXXX I received my cc bill. It had a credit that said XXXX for the amount of the dispute. I went on line to my account and the Dispute Tracker was empty. I assumed the issue was resolved so I shredded all my paperwork. On XX/XX/XXXX I received a letter from Chase dated XX/XX/XXXX asking for my side of the story. It said it had to be returned by XX/XX/XXXX. This was the first communication I had from Chase. I contacted Chase and they were totally disinterested. I filled out the paperwork they sent me and faxed it back to them on XX/XX/XXXX. On XX/XX/XXXX I was charged again for the rugs. 
I have been a Chase customer since XXXX, perfect credit and payment history. They did not have my back and their lack of communication was unacceptable. This problem could have been avoided with the proper follow up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I went to the Truist Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX location to get Notary with my wife and I was discriminated that because of my accent or appearance the Bank gives free notary for all his customers in front me other customers they get free Notary. 
By name XXXX XXXX XXXX she did the notary for us and she ask us to pay {$5.00} and I ask her why? she did not ask us before she did the notary she said that we have to pay and we said that we will pay you but we we would like to get receipt and said ok she took the cash and went to the front Clark area she brought a donation receipt and I asked her I am not willing to give donation by force I need legitimate receipt. She snatched the receipt from my hand and she gave me the money. 
It is not the matter of the money I felt that I am discriminated by Truist service and it fraud done on us by Truist Bank. 

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 explanation
Consumer complaint received 2023-01-27
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:
I have been a victim of identity theft and fraudulent account openings since 2014 no matter what try to do it keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Account status incorrect

Complaint:
I called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from Transunion. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per XXXX XXXX who is managing my Student loans. My account is in good standings. There was never any late payments on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
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 Account name : XXXXXXXX XXXX  XXXX 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

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 2022-09-22
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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 currently have two loan servicers, XXXX ( transferred from XXXX ) and Aidvantage. 

I consolidated my loans when I applied for PSLF in XXXX. A small portion of my loans were transferred from XXXX ( now Aidvantage ) to XXXX and the rest stayed with XXXX. 

When I asked about this at the time, first I was told by XXXX that it would take time for the loans to transfer and then I was told that the servicer didnt matter and all of my loans would be counted under PSLF . 

On XX/XX/XXXX, I was on the phone with Aidvantage ( 2x ), XXXX ( 2x ) and the Department of Education and been wildly different things about loans transferring to XXXX. 

XXXX said that the loans should be transferred to them, but because my paperwork from XXXX isnt transferred completely yet, they couldnt really tell me anything else. The second time I called, I was told that once they got all of my loan information from XXXX, they would be able to request a loan transfer from AidVantage. 

Aidvantage first said that the Department of Education had to tell them to transfer my loans to XXXX. The department of education said that this was not true and urged me to file a complaint. 

I called Aidvantage again, and a different person told me that XXXX had to request that my loans at Aidvantage be transferred to them. She said I should wait until my paperwork from XXXX be fully transferred ( should happen by XX/XX/XXXX ) and then request that my Aidvantage loans be transferred to XXXX. 

Im afraid that this will impact my PSLF and I dont know why I being told different things from different people every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an acceptance now account for the amount of {$2100.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for the amount of {$790.00} opened XX/XX/XXXX, XXXX  XXXX XXXX  for the amount of {$570.00} opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX for XXXX amount of {$240.00} opened XX/XX/XXXX and XXXX XXXX XXXXXXXX opened XX/XX/XXXX. I also have 11 inquiries Im not familiar with such as XXXX XXXX  date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX and XXXX XXXX XXXX/AIDVANTAGE Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: AL
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:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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