BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 a purse and wallet for {$140.00} on XX/XX/2022. These items were to be mailed to me in 10 to 25 days. I never received these items. On XX/XX/2022, I contacted capital one by phone and was put on hold for a long period of time and never got to talk to anyone because I got disconnected 3 times. Then I went to my account on my computer and disputed the charge of {$140.00} that was charged to my capital one credit card. I never received this product and I have reported this company to the XXXX XXXX XXXX, but I would like my money back that was charged to my credit card asap. Since it is over 30 days, I can not dispute the charge anymore, so I am unsure what to do to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I was told by Tower Loan that I could refinance my loan, giving me back $XXXX cash in my pocket and that would bring my loan current (for XXXX and XXXX payments)- therefore I had the money to spend on other bills. I was told I had to come in the office to sign the necessary paperwork. Once I got there, I was told that was not an option and that I needed to make my payment THAT DAY. I asked if the refinance option offered to me was a way to lure me into the office to get me to try to pay and they said, unfortunately, yes and we do apologize. I left the office. This took time away from my work schedule, and I clearly could have made the payment over the phone IF I had the funds available to me, which I did not!
 I have since made my XXXX payment and as of XX/XX/XXXX I owe my XXXX payment of $XXXX. I told them I would pay this over the phone on XX/XX/XXXX and they agreed that was ok. AFTER I made this payment arrangement, a different employee called me 5 minutes later asking for payment. I told this person I JUST spoke to someone in their office and set up a promise to pay, they apologized and hung up. This is a small office (5-6 employees total, maybe). On XX/XX/XXXX, they called me at XXXX, left a voicemail, again at XXXX and again at XXXX. This is 3 times in less than one hour. On the 3rd phone call, I answered, WHILE DRIVING, which is distracting and explained to them I had told them I was already set up to pay on XX/XX/XXXX and he said if I did not pay today (XX/XX/XXXX) they would increase my monthly payments by $XXXX and report me to the credit bureaus. This is harassing to me, they have lied on numerous occasions and I do not feel they should be able to contact me 3 times in 40 minutes.

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 2022-02-07
Company: LJ Ross Associates
State: MD
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:
Issue : L J Ross Associates, XXXX XXXX XXXX, XXXX XXXX, MI XXXX has been reporting a collection account on credit report since XX/XX/XXXX for an amount of {$220.00} for a past Gas bill from XXXX  XXXX on a residential property. The collection agency has never sent letters or contacted individual regarding the collection. Disputed information with XXXX during XX/XX/XXXX once discovered the negative filing on the credit report. XXXX confirmed the dispute is valid without no investigation and reinstated the items on report during XX/XX/XXXX. XXXX system would not allow proof of claim to be submitted via their online system. 

Problem : The residential property was sold on XX/XX/XXXX. There was an overpayment on the account during settlement which was issued back to the sellers. The sellers also received email communications directly from XXXX XXXX regarding the account closure and refund for the overpayment on the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
In accordance with the Fair Credit act XXXX  Account : 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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 Original Creditor Capital One Bank collection agency XXXX XXXX. I've disputed this on many occasions stating that I did not open this account with XXXX XXXX, XXXX and XXXX  and yet the account remains on my credit file. With the latest news of Capital One data breach this further backs my complaint. Please advise this collection account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2022-07-10
Company: Experian Information Solutions Inc.
State: SC
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 below accounts has violated my rights : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an 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 2022-07-10
Company: EQUIFAX, INC.
State: SC
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 below accounts has violated my rights : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for Capital One Bank Premier Dining card on or around XX/XX/XXXX. It took them several days or at least a week to respond and declined application first time because XXXX  credit bureau had fraud alert but fraud alert did n't contain my phone number. This was was around XX/XX/XXXX when I received an email telling me I was declined. I called Capital One and was assured once I was able to get XXXX to show phone number to contact me that I should be approved for card. I also asked were there going to be more inquiries against my credit. I was once again assured that it would n't be any more inquiries as long as I contact them to reevaluate my credit application. Well, Guess what? Capital one pulled a total of XXXX inquiries against me in past two weeks even though I was assured by Capital one 's manager this would not happen. I was as an result notified a second time my application was declined because XXXX inquiries. Most of my inquiries like 4 of them are from Capital one and two of those inquiries are from the past two weeks! I feel like I was totally deceived and lied too. Why would they keep pulling my credit report when a credit manager told me this would not be done as long as I corrected my XXXX report and contacted them to review my application again within 30 days or by XX/XX/XXXX. I did everything correct only to be told a second time my application was declined again due to XXXX inquiries. I am very angry and will be filing multiple complaints against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Capital one is being less than helpful regarding a situation where I was denied check in to a hotel based on discriminatory practices by XXXX XXXX XXXX, WA. The reservation was booked and prepaid on XXXX using a capital one credit card. Upon arriving at this hotel to check-in, the front desk attendant refused to accept my credit card claiming it was a prepaid card. This is not correct, as the card in question is a Capital One Walmart Rewards Mastercard. So because this low rent motel person had never seen this card before I was refused the ability to check in. I then was forced to get another hotel at the last minute ( which I had no trouble checking into ). I travel extensively. 

Capital One is requesting I send in additional evidence, but in this case the evidence is simply that the credit card is very real, and who better to prove this fact to this uneducated merchant than capital one itself. Refusing me check in for no good reason and then refusing to give me a refund is the same as theft in my book. Capital One should understand their responsibility in this case. 

{$120.00} ( XXXX  XXXX ) appears on the statement as XXXX XXXX XXXX BY XXXX XXXX CT XXXX XXXX. Transaction posted on XX/XX/2022, but the check in date was XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX Credit, XXXX credit card XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Please take another names of 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 2017-08-16
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
case XXXX new information Us Bank Minnesota contacted me they have my wire thats federal approved and XXXX XXXX board of directors approved. After explaining they would wire it he dissapeared with the money. He is XXXX XXXX. In XXXX XXXX Minnesota they say to ask the sender to him for the registration number since they dont have it. XXXX XXXX told me he does have it so the the sender to hims registration is not needed. Where did he hide this before he quit? The amount is high so anyone would try to steal. XXXX  in wires told me she knows where it is and wont wire it. I have to emphasise I was shot at the day I argued with XXXX. If only XXXX XXXX knows what he did he should be located. He still does snapshots with US bank locations. The Minnesota US Bank workers are untrained and ignorant. Im reporting XXXX XXXX, XXXX XXXX and XXXX in wires. Also I reported the director either XXXX or XXXX does n't take any calls and do n't return any messages. This is highly important! I was transferred to XXXX XXXX in XXXX XXXX and to XXXX in XXXX XXXX. XXXX was supposed to contact me with an answer and did not. He is at XXXXXXXXXXXX

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Ive got a Bankruptcy on my Credit Report and I inquired to all Three Bureaus.. All which have stated that its accurate, how the XXXX they come up with this?, if The courts dont provide the information?.. Im tired of this XXXX, if there are inaccuracies on my report!.. They should be removed immediately!.. Whats so hard about that?. More importantly!. What was the method of verification?.. Especially, since the courts didnt give it to the Bureaus..

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 2017-08-16
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX I initiated an online dispute to Equifax regarding XXXX unauthorized inquiries on my credit report. On XX/XX/XXXX I  received an email from Equifax stating all inquires came back as factual record ( 5 day investigation ). I called Equifax on XX/XX/XXXX around XXXX XXXX and spoke to a rep by the name of XXXX and requested he send me the documentation they have ( from each company ) showing I authorized all of these companies to pull my credit report. XXXX stated " they do n't have any documentation '', he stated the companies are not required to provide that information and for me to call the company. I advised XXXX that the CB is responsible for making sure all things are factual before reporting. I requested to speak with a manager and  was transferred to another gentlemen by the name of XXXX. I explained to XXXX that I am now requesting documentation they used to confirm I authorized theses companies to pull my credit report. XXXX stated they can go by word of mouth from these companies. So that means anyone who has my social security number can try and obtain credit!? XXXX also stated that the companies who pulled my credit for inquires are " members of Equifax '' so they tend to believe what ever info they provide. I requested ( on a recorded line ) that they submit what information they had to states the inquires were factual and neither party was able to provide that information. XXXX just stated he would document the call. I have XXXX inquires that I did not authorize and would like them deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: SC
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  XXXX, XXXX XXXX XXXX XXXX, 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 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 2022-07-10
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor - Washington XXXX XXXX XXXX ; XXXX XXXX XXXX MediCredit Inc ; Account Opened - XX/XX/XXXX Balance - {$1300.00} ; I noticed that this account entered collections onto my credit report and sent them a validation letter on XX/XX/XXXX. On XX/XX/XXXX I submitted Complaint ID XXXX notifying the creditor that they did NOT adequately respond. 

My request to validate the debt has not been responded to in full. I did NOT received the following in the company 's response : " - Provide evidence the Statute of Limitations has not expired on this account ; - Show me that your company is licensed to collect in my state ; and - Provide me with your license numbers and are a Registered Agent. - Provide a verification or copy of any judgments or lawsuits if applicable. '' As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. 

As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. 

Removing themselves from my credit reports should have occurred in the last Complaint ID XXXX as the validation was NOT responded to in full, and therefore the agency is now non-compliant to Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Experian Information Solutions 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:
ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XXXX/XXXX/XXXX I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE 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 2022-07-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have illegal late payments reporting on 2 accounts " XXXX '' & " XXXX '' that weren't late and it's illegal under " 15USC 1666 ( a ) and ( b ) '' for a late payment to be on my credit report. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore " 15USC 1605 '' is also being violated by EXPERIAN AS WELL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello! I have an account that was sent to collections at XXXX XXXX. Unfortunately, they are in violation of the FDCPA for a couple of reasons. First and foremost, it is my understanding that I am entitled to a written notification within 5 days of first contact from the collector of the amount of the debt as well as my right to dispute. I have not received that information. I verified via telephone that they have my current mailing address. I was also not informed over the phone of my right to dispute. They are also guilty of repeated phone calls. I received the first call on the XXXX on my cell phone. They immediately called me at work ( completely unacceptable!! ). I told them I would speak with them at a later time, when I could deal with the situation. I have clinically diagnosed XXXX, so I very much need some time to deal with difficult matters. They then called me again a few days later, against my instruction. I finally blocked the phone number for my own peace of mind, so I am unaware if they have tried to communicate further.

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