BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am part of a " shopping rewards '' program at CapitalOne for ~2 years. I tried to redeem some of the rewards back in XXXX, XXXX for a gift card. They have not been able to redeem the rewards yet and have not followed up with a reason or any clarity in the matter. 

After not hearing back from them for months, on XX/XX/XXXX, I got an email from them stating that my account has been suspended. " We regret to inform you that your Capital One Shopping account has been suspended. We reserve the right to suspend your Capital One Shopping account and services at any time for any reason not prohibited by law. Additional information on our policies and practices can be found in our Terms of Service. Please see our instructions for how to uninstall Capital One Shopping on your specific browser type. We appreciate your understanding. XXXX ''. 

They provided no information as to why the account has been suspended. I tried to follow up with emails ( XXXX XXXX XXXX XXXX ) try to gather more information. They have sent me the same rote language back each time. 

I hired a lawyer to try and get more information from them on my account. They refused to talk to him, but provided the same information as they sent me in their email dated XX/XX/XXXX. The lawyer sent them a letter ( dated XX/XX/XXXX ) requesting that they contact me and provide me with information, but I have not heard back from them. I followed up with an email on XX/XX/XXXX with the lawyer 's letter attached and got no further response. 

This is their website XXXX XXXX XXXX XXXX Their email is : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Paid off balance in full as stated on the pay off amount on bill. Received a second bill for interest at XXXX, company stated this interest was incurred on a balance that was paid off before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 21 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 non-monetary relief
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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:
Every month I have disputed these accounts to no avail. I have not received any correspondence requesting my written consent. 

In accordance with the Fair Credit Reporting Act, the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15. U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

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 2023-10-16
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXT Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  AS Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-11-28
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
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:
I had a vehicle loan with TD Auto back in XXXX. My vehicle was paid off around XXXX and I received the title for it. Unfortunately, it is now XXXX and I no longer have that title and am in the process of selling the vehicle. The XXXX has brought to my attention that there is a lien showing from TD Auto Finance which deters the DMV from providing me with a duplicate title. 
On XX/XX/XXXX, I made a call to customer service department and spoke with a gentleman ( He did not provide me with a name or employee id ) who assured me that a lien release or a letter of non-interest would be mailed out in 7-14 days. I called again approximately a week later to check the status and was told by another rep that the request was not put through and that she would put it through. I called back on Wednesday XX/XX/XXXX and spoke with XXXX XXXX ID XXXX who informed me that he saw no history of a request for the lien release but assured me that he would escalate the request to be processed within 3-5 days. I have called a total of three additional times and as of today the request supposedly shows that it has reached the title department and that the paperwork should be mailed by the end of this week. Naturally, I have no way of knowing whether this is true or if my lien release is ever going to be mailed at this point. It seems to me that each time I call I am getting nothing more than false information. I have spoken with two separate managers to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-08-16
Company: EQUIFAX, INC.
State: TX
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:
COMPANY EQUIFAX IGNORED MY IDENTITY THEFT AFIDIVIT FOR FRADULENT INQURIES! THIS IS AGAINST THE LAW! I DESERVE COMPENSATION AND REMOVEL OF THE FOLLOWING INQUIRIES. 

XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: TX
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 called Experian and XXXX multiple times, to advise them that my information is floating around on the black web. I also advise them that the inquires on my account are not initiated by me and someone else is using my information, without my permission. I have already called the non-emergency line for the police department, which they advise me there is really nothing they can do. I told each rep from the credit reporting agencies to provide me with a wet signature to show proof that these inquiries are mine, there has been no credit under those inquires attached to my account. Both rep for each credit reporting agency only kept transferring me to different departments, no one could provide me with what I was looking for or proof that it was actually me that applied for these items. I am requesting Experian and XXXX to provide me with competent evidence that these inquiries were in fact authorize with a bearing wet signature for permissible business purpose. All of the inquires on my account from Experian and XXXX must be deleted from my credit report immediately. Delete all the misleading information and unauthorized inquires on my credit report. This is way fraud has been placed on my credit report, even though it does not help or stop the use.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: MA
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, # XXXX, # XXXX and # 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 an account without my written instructions. 

Account # XXXX has contacted me several times, via phone, text and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit report last week and noticed an account on there that I dont recognize. I would like it removed from my credit report. I also have reviewed my hard inquiries, and I did not authorize the lenders to access my 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-01
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company reported and continues to report late payments on my account despite the fact that we both signed a mutual repayment plan agreement. My mortgage account was directly affected by Covid 19 pandemic and due to that it was approved for 5 months forbearance under The Department of the Treasury CARES Act and the Consolidated Appropriations Act in relation to COVID 19 Pandemic. 
My understanding throughout this process is that we have a mutual agreement for repayment plan, and have I known of the negative implications on my credit score then I would have discussed other available options at the time including modification!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of an extortion and blackmail scam where the hacker was using pictures of me and my family to get money from me. I had no choice but to send the remaining {$260.00} in my account to this person. This saved me and my family a lot of trouble. I am filing this claim the morning after and have called Bank of America in which they can not dispute the charge and get the money back into my account. I have never had any problems like this and this is ridiculous I had no choice but to send the money. I have provided photos of what has happened.

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 2020-04-16
Company: Continental Finance Company, LLC
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:
Unauthorized use of credit report and/or deceptive or fraudulent practices for obtaining credit report when companies indicate only a soft pull on XXXX and XXXX 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 explanation
Consumer complaint received 2022-07-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XXXX I received a text message from CCS attempting to collect a debt. The message was received while I was at work which was a very inconvenient hour for me. Pursuant 15 USC 1692b ( 5 ) it is unlawful communicate personal business matters that reveal a debt is involved through the text contents. That was a violation of my privacy and has undermined my confidence in Credit Collection Services ability to operate fairly and lawfully. That was the fourth text message the company has sent to my companies device. I called the company to get a better understanding of the alleged debt so that we can validate the accuracy over the phone. The agent informed me I had two accounts that had been placed on their office for the purpose of coercing payment. I told the phone rep I wanted validation and she stated they could mail the validation. CCS has been reporting late payments on a closed out account from XXXX with the original creditor XXXX. CCS has willfully disregarded the title law 15 USC 1692b ( 5 ) on countless occasions. From written notices containing they are a debt collector, to the envelopes being violation by displaying the companies name which confirms the contents at hand are coming form a debt collector. I am requesting CCS govern according to the FDCPA because they have identified as a third party collector through every medium of communication we shared in common.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving non-stop harassing calls and texts from " Eastern Account '' and " XXXX XXXX. '' My mother is also receiving these calls and texts and is being told about this stuff which is not OK. She lives nowhere near me and is calling me to see why she is getting non-stop calls from debt collectors. 

I have contacted each company through their site on more than one occasion and have not received a response that provides insight to what debt I supposedly owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Netspend Corporation
State: NY
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 had seen a few unauthorized transactions on my skylight prepaid mastercard on XX/XX/XXXX in the amounts of {$500.00} with a {$2.00} charge as well, another amount of {$200.00} with another {$2.00} XXXX, and also another amount of {$200.00} with again a {$2.00} charge. All these transactions shown on the account label them as a ATM withdrawal in which I could not possibly make these transactions as at these times they happened which were literally a minute apart from each other I was at my place of work in XXXX XXXX XXXX XXXX Once I got notification of these transactions I called right away to the bank company to try and dispute these amounts. I had spoke to a representative and explained my situation, and then awaited a determination that would take couple weeks for them to to verify. On XX/XX/XXXX I had gotten there finished review of my dispute in which they denied me credit back into the card and read i would recieve a written notice in the mail with why the went against my dispute. These amounts taken from my account are not small and would take me a week of work to make and has caused me many financial burdens.

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