BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX Account XXXX XXXX XXXX XXXX original owner Capital One vs. XXXX XXXX My goal is to omit this debt on an account I NEVER opened or knew about until I checked for issues regarding the XXXX Data Breach last year. XXXX XXXX XXXX and the original owner Capital One are becoming criminals at this point. I have tried calling, certified letters, the CFPB, and other avenues to no avail. The printed documentation is well over an inch thick. The list is lengthening regarding their negligence on this matter simply because I am the little guy. It took over 14 reply letters alone and several agencies to even receive the requested validation items on this account. Capital One can not even supply me with the original application for this account that was opened under my name without my consent. 
Abbreviated Correspondence List Below : Five CFPB complaints ( ignored ) Two FTC dispute letters ( ignored ) Two validation letters ( ignored ) Received 20 and counting unreliable and incomplete reply letters from Capital One and misc. companies regarding this account.

I sent several dispute letters to all three credit bureaus, which ( successfully removed all debt from the credit agencies ).

Recorded Audio : I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount XXXX wanted to demand me to pay with no credit report incentives. There seems to be no working with XXXX XXXX XXXX for a fraudulently opened account for removal on a fair amount. 
Capital One can not provide me with the original online contract. However, they had stated that all of the information was correct. How would they know if they do not have the documentation to refer to? This sort of fraud leads me to believe that there is NOT the correct information in the original appliacation. However, now we will never know. 
The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed on this account. The debt for this account had increased due to interest and charges not of my neglect. A {$120.00} payment with the terms requested is above and beyond an acceptable amount for this account. 
Two certified pay in full letters XXXX XXXX and one to Capital One XX/XX/XXXX and XX/XX/XXXX ( ignored ) Reply letter Capital One this letter said nothing and was incredibly stupid regarding nothing meaningful about the account again. They opened an account without my knowledge then sold it to different entities. 
XXXX XXXX XXXX 's reply letter was the same regurgitated letter they always send.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting a collection account as closed. This CRA continues to validate and allow this company to report this on my report. It is even showing past due. This account is inactive and closed and should be removed from my report. The CRAs and XXXX are violating the FCRA. Ive submitted an account summary with my disputes and each CRA is apparently using an e-Oscar system which is not correct. 

XXXX cant even validate the account. The attached letter shows they cant validate the account. I mailed the letter below on XX/XX/XXXX and emailed it on XX/XX/XXXX and I received the attached letter a few days later. 

To Whom It May Concern : I am XXXX XXXX and Im writing regarding the above referenced accounts and transactions. 

This vehicle was repossessed by XXXX XXXX in the State of Georgia on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. The first date of delinquency was XX/XX/XXXX. 

Under the laws of the State of Georgia Respective rights of buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract are covered under Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia. UCC 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This was originally mailed on XX/XX/XXXX and I havent heard back from you. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I had fraudulent activity in my checking account and the bank refuse to pay me my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX Reverification Letter XX/XX/2023 stated bankruptcy entries are UN-VERIFIABLE as listed by 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 2021-03-17
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I receive a letter by mail from Receivables Performance Management LLC, telling me that I own XXXX dollars. I am confused because I never hear of their business, I never get business with their business, so I don't understand how I own a debt with this company. 
On XX/XX/XXXX I sent mail to asking the company, but I never receive a response. they put a negative mark in my credit report and I now can not get a Mortgage because of this mark on my credit and the company will no help me with this unfair situation. 

This Debt have a Original Creditor that is XXXX so I already paid the debt to them and I have the confirmation number that is 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} US DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 CPS XX/XX/2022 XXXX XX/XX/2022

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 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-10-13
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XX/XX/XXXX TDAUTO Finance was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$19000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. TDAUTO Finance redeemed the the instrument on or about XX/XX/XXXX. TDAUTO Finance has not honored the contract and continues to harass and Tarnish the credit of the allege XXXX On or about XX/XX/XXXX TD Auto had a unlawful, un peaceful repossession of the allege debtors vehicle. TD is currently extorting allege XXXX fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the XXXX of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2021-03-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING is claiming that I owe them {$620.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Information belongs to someone else

Complaint:
Refer to complaint # XXXX For 4 years now Ive been fighting to remove an address of an inmate in XXXX, XXXX XXXX XXXX XXXX, ( where Ive never lived ) from my credit report that was placed by Equifax . I have received a dispute confirmation of removal two years ago in which it never was removed and I fought two more years to have it recognized as an issue. This originally occurred when student loans were defaulted on in my name that did not belong to me and I became aware of the fact that Equifax did NOT remove this after applying for my masters program and paying my admission fees in 2019. After reporting this to CFPB during the pandemic because I was denied the XXXX due to this issue, Equifax finally sent another confirmation of removal. However, 3 months later, while buying a vehicle, a security question asked during the credit thaw was in reference to the address zip code that was belonging to this XXXX inmate. I couldnt identify my own identity and still cant. I have no answers. This is sheer insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 602, states that I have the right to privacy ( 15 USC 1681 section 604 ( a ) section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 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 any purpose.

I do not give permission to report to my consumer profile/report and that you remove all fraudulent accounts immediately. There should not be any damages on my report as this is a defamation of character causing personal injury. I have been constantly harassed by these 3rd party collection companies. I have also received a response that clearly violates my rights according to HIPAA reporting & selling my information to those 3rd parties. I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts, remove ALL inquiries, pay me for violations, and update my credit report immediately I opt out of all 3rd party consumer credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
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:
I am submitting this CFPB Complaint to request to teh Credit Bureaus once again, to remove the disputed accouts completely from my Cedit File. I received a copy of my updated Credit Report and I immediately noticed that some of the disputed accounts were removed from my Credit File and I als onoticed that there are still accounts that remained and are still reporting on my Credit File. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I appreciate the immediate action of the Credit Bureaus and I am very grateful for their efforts. However, I am in need for the removal of the remaining accounts that should also be removed from my Credit File. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Here is the list of accounts that should be immediately removed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX XXXX 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 2022-01-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I worked throughout the Fall to prepare for the best option for my situation. I attended a seminar hosted by XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX, on XX/XX/2021. Registered under the email address XXXX Scheduled a follow-up meeting with a XXXX XXXX  XXXX counselor XXXX XXXX on XX/XX/2021. I spoke to XXXX XXXX and he forwarded my information to XXXX XXXX of Community Loan Servicing. I spoke to XXXX XXXX on XX/XX/2021 about my situation and desire to remain in my home. NONE for those actions seem to be noted in the company 's files for my home. Also, none of that was mentioned in a previous complaint XXXX. The company seemed to take the position that I had not taken actions to reengage in payments for my home. I want to be clear that XXXX XXXX XXXX is and was engaged as a counseloXXXX for Community Loan Servicing and that my records are accurately noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I paid off my Synchrony Lowes account. After this account was paid, Synchrony added a couple dollars of interest. I was not made aware of a new charge, and the card ended up getting late payments. Once I was made aware, I immediately paid the account off, again. Now Synchrony is refusing to remove the late payments, despite adding interest to the account after I paid it full. I later received a notice from Synchrony stating that they have to report accurately but never acknowledged that interest was charged after the account was paid off. They are using unethical practices and are taking advantage of me and it is extremely frustrating. These late payments should not be there!

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 2023-03-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a vehicle from a dealer in XXXX XXXX. I traded in my old vehicle and the dealer made arrangements to pay the lein holder Wells Fargo the balance due on the loan, which was {$11000.00}. However, Wells Fargo made an unauthorized withdrawal from my checking account, held by XXXX  XXXX XXXX, in the amount of {$11000.00}. This overdrew my checking account, which triggered my overdraft protection and erased everything I had in savings, leaving me virtually penniless. 

I have spent considerable time on the phone with both Wells Fargo and XXXX  XXXX XXXX and each entity suggests that I contact the other. I can not get either to return my funds and I can not get satisfaction.

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