BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
For my Kohls/Capital One XXXX, I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Kohl's/ Capital One. I have no records of signing with my wet signature to authorize the account.

I never received the true invoices signed under penalty of perjury confirming that Kohl's/ Capital One provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from Kohl's/ Capital One related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099.

On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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 2021-01-11
Company: EQUIFAX, INC.
State: MS
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:
this is my 3rd letter to the CRA 'S XXXX XX/XX/XXXX, EQUIFAX, AND XX/XX/XXXX about inaccurate and incomplete accounts they are reporting on my credit report that is old or unverified. I submitted the letters on the XXXX of XXXX and has not gotten any response in this matter.this is stressful to the max by not being able to get any help in this matter.i have copies of my complaints below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I used XXXX XXXX XXXX XXXX  service for more than 5 years, I received my expatriate salary on my account, including my company. One day my account was deactivated without any precise information on the exact reason for the closure. 

I asked and contested the decision, and they keep it closed without giving a reason. 

I have a work contract as an expatriate from an XXXX company, I received my salary legally, I made the exchange operations and personal payments normally, for me, for my wife, for whom I needed to pay. 

Never have they come and questioned something, or asked for explanations of the movement. I could explain and prove all legality. 

They just closed and don't give a reason. 

I think at least one justification is a right I have to know why. 

XXXX XXXX XXXX XXXX XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Amsher Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AMSHER had been calling me demanding i pay a collection that doesn't belong to me. The name listed on the account is similar to mine, but it's not me. I asked them to show me a contract that signed by me with my name, obviously they can't produce it because I never had a XXXX account opened. 
They placed a collection account to XXXX and the other XXXX even though that is NOT my account. They have been calling me way too often, about 10 times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: IN
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:
I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: California Business Bureau, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XX/XX/2021, I received a message from XXXX  that the company California Business Bureau, address XXXX XXXX XXXX XXXX, XXXX, CA XXXX, phone number ( XXXX ) XXXX, made an installment Loan Inquiry, hard inquiry. I didn't consent or allowed this company to make a request and I didn't request or summit any request for any type of loan. I believe this company is using my information illegally to obtain my personal information. I had spoken to this company about a collection account that I was not aware of. This company later made an installment loan inquiry. I am concern that the above company will continue to violate my privacy.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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:
I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but XXXXXXXX XXXX  site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

Transunion Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts XXXX also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.

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 2021-01-11
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I still have not received the electronic copy of the pay-off statement from SN Servicing Company. 

I need SN Servicing Company to send me an electronic copy of the standard pay-off statement dated for XX/XX/21 Please take a look at the attached letters. This is an equitable property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : false information sent to credit report My name is XXXX XXXX acct : # XXXX I had a XXXX financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was XXXX for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be contacting my senators office. Until I find someone that understands that Im XXXX and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : false information sent to credit report Mr. XXXX XXXX , XXXX reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with Transunion USA not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied

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 2023-01-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
RE : " XXXX '' ( at the present time, Chase NOT is willing to accept responsibility for what's happened to me ). 

I am currently customer of JP Morgan Chase. On XX/XX/2022, I was informed [ by phone ] by XXXX people identifying themselves as " XXXX  XXXX XXXX '', that my personal info was stolen, and that someone attempted to siphon monies from my Chase  acct using XXXX. To " reverse '' this theft, I was advised to add " Payment Cancellation '' to my Receipt list on XXXX, and then " send '' {$380.00} in order to cancel the payment ( pls note-the scam was ALOT more sophisticated than what I'm able to describe here ). By the time I did realize it was a scam, I " XXXX  '' {$380.00} to a PERSON named, " XXXX XXXX ''. What's important here, is that a bank ALLOWED someone to open an acct with the name " XXXX XXXX ''. I was later told by a XXXX rep that this was a common problem of theirs, and, whoever opened the account, quickly closed it after withdrawing my funds. But I was informed by XXXX  XXXX that, since Chase is my bank, it is they who are responsible, and not XXXX  XXXX XXXX. Nevertheless, to date Chase has refused to accept ANY responsibility. 

Please see further info, below : XXXX XXXX Chase  Claim # XXXX XXXX  Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION did not meet METRO 2 Compliance Guidelines when reporting on my consumer 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 2019-04-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX XXXX sold my mortgage to XXXX. XXXX reported the status as a transfer. I attempted to dispute this status in XX/XX/XXXX. XXXX received payment of the loan on my behalf, it was paid in full. The status as transfer to other office has negatively impacted my score from high 600 range down to high 500 range. XXXX did not disclose during the initial contract that they may sale my loan and it result in a negative impact to my credit score. XXXX is discriminating based on another entity paying the loan. IF I had directly paid the loan off, XXXX representative explains that the status would be reported as Paid. The loan was in fact paid off by XXXX to XXXX. At this point I have not been able to receive credit because I show as a high risk because other entities can not tell where XXXX transferred the loan to as the status states transferred to another office. The loan was not transferred to another office, but paid by another entity on my behalf. In XX/XX/XXXX I paid the loan off with XXXX, but still XXXX shows as transferred to another office, and my report continues to be impacted by the creditor XXXX not reporting accurate information. I have suffered great loss in providing for my family as I have been denied loans based on the misleading and inaccurate credit reporting by XXXX and their failure to inform me of these foreseeable challenges with their practice prior to obtaining my loan.

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 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
There are Multiple accounts that are fraudulent on my credit report and I have reached out to the Creditors and Credit bureaus to supply with all supporting Documation on many different occations and nothing was removed or the issue wasn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Cascade CISS Holdings, LLC
State: FL
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 am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
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:
The is hard enquiry addded to my credit report on the XXXX XX/XX/2022 from XXXX XXXX XXXX XXXX ) XXXX I want it to be removed I do not know anything about it. 
On the XXXX of XX/XX/2022 an Enquiry was added from XXXX XXXXXXXX XXXX 
XXXX account was added but it is an old account I want it to be removed. 

XXXX XXXX was added as an enquiry I want it to be removed I am not responseble for this Old account XXXX XXXX XXXX was added I want it to be removed it was closed. 
XXXX XXXX XXXX XXXX XXXX  XXXX was added as an account I do not recognise this account I want it to be removed from my report. 
Also XXXX XXXX XXXX I do not know this enquiry I want it to be removed ' XXXX was cloced years back I want it to be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX I also want that account to be removed it just recently added without my knowledge

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 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have no knowledge of this inquiry from Capitol one I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such inquiry, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my accounts.

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 2021-01-12
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to this New Rez Shellpoint Mortgage XX/XX/XXXX. I was informed of the transfer very late. Because of the late notice, I was unable to cancel a payment that I scheduled electronically XX/XX/XXXX with the initial lender. All of the notices I received ensured that all payments made to the previous lender would be credited to my mortgage. Fearing late payment fees, credit reporting, and other negative implications, I made a payment to the current lender~Shellpoint on XX/XX/XXXX as well as XXXX the other lender. I called the evening of XX/XX/XXXX and spoke with a representative by the name of XXXX XXXX and he assured me that any payment made to the previous lender would be credited to my account. I have been calling Shellpoint mortgage every week since that day. Despite proof of payment ( copies of bank transactions, previous lender documents ) they have not credited my account. I have received notices from them threatening to report me to credit agencies. Every time I call, I get a new agent who knows nothing about the situation. After an hour of repeating the issues I am told that it will be escalated and to call back in 48 hours. It has been 4 months without any resolution. As of this date,XXXX, I have called Shellpoint Mortgage 20 times speaking with reps, supervisors, customer service representatives each call lasting on average 45 minutes. The calls always end with an empty apology and promise to escalate. I received notice today that they have reported a late payment to the credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: EQUIFAX, INC.
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:
I have notice multiple late payments on my department of education, XXXX  student loan account. I have been a XXXX XXXX XXXX at XXXX XXXX XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Rent Recovery Solutions
State: LA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6:2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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