BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section states a consumer reporting agency furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end Consumer credit plan as as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.

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: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Velo Law Office filed fraudulent lawsuit in XXXX District Courthouse XXXX, MI as if I breached a contract and XXXX XXXX XXXX XXXX XXXX hired Velo Law Office who provided services for car accident in XXXX and dates of services were in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Velo Law Office failed to sue XXXX XXXX for the unpaid medical bills {$7700.00} and 3 providers received settlement from XXXX XXXX after XX/XX/XXXX. Velo Law Office lied to Honorable Judge XXXX as if my injuries weren't auto related to prevail judgment against. Due to XXXX XXXX XXXX XXXX XXXX provided services for Motor Vechile Accident that Velo Law Office have no merit to sue and would have sue me within one year of MCL 500.3145 based off of new ruling case-AUTO-OWNERS INSURANCE COMPANY V COMPASS HEALTHCARE PLC ( Per XXXX XXXX ) case ruled by the Michigan Court of Appeals on XX/XX/XXXX, XXXX in which the Michigan Court of Appeals ruled that medical providers can't sue patients past one year of MCL 500.3145 for services rendered as result of MVA . 
" Debt Scam ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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, I pulled my credit report to determine that Capital One has reported me late numerous times while on XXXX XXXX XXXX. Capital One needs to pull the calls from XXXX to verify that I told them I was on XXXX  XXXX and that they put my account on hold on a special plan to assist me while I was not working. I found out that this was very wrong. While I was on XXXX XXXX  XXXX and I made Capital One aware of this they proceeded to close my account and mark me as late while they knew my situation. Management has reopened my account and waived the late payment fees but the late payments are still on my credit report. I really need those inaccurate late payments removed from my account. This is causing a lot of stress to me. 

I have written capital one several letters since XX/XX/XXXX the last letter was sent with a tracking number that delivered on XX/XX/XXXX. 

Capital One has me late XXXX XXXX XX/XX/XXXX, A total of 7 late payments that should not be on my credit. 

If you look at my credit history with them you will see I was never late. i paid my bill every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Dear Kohls, my name is XXXX XXXX I am a XXXX XXXX XXXX woman who lives in XXXX, Al. I recently looked at my credit report which I haven't in almost a year and I discovered someone open up a account in my name ( Online ) or in store with a fake id. I also researched and seen where somewhere in XXXX XXXX Nevada has rented a apartment in my name so I assumed the card was open up there with a XXXX XXXX Nevada address. This is not me!!!!!!! It is definitely fraud! Please see attached police report made XX/XX/XXXX  in XXXX Alabama where I filed a identity theft report. Shortly after in XXXX / XXXX someone open up this account. Please see attached documents I never lived outside the state of Alabama been here all my life. Please remove this fraudulent account off my credit reporting files immediately before I sue your company and hire legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
CFPB Writeup I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : {$670.00}

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 2021-03-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I applied for a re-finance mortgage with my mortgage company Caliber Home Loans located in XXXX California, loan officer XXXX XXXX. My regular mortgage is at 4.125 % ( fixed over 30 years XXXX, and he told me I could re-finance at a lower rate of 3.25 % so my monthly payments would decrease about $ XXXX. About XX/XX/XXXX, I talked to a credit card company about re-adjusting my payments due to Covid-19 hardship. They agreed, however, they did not process the change properly, and as a result, my credit rating went down. They acknowledged the mistake, and corrected it. XXXX told me as soon as my rating was corrected, the re-finance loan would go through. He said it was corrected, however, it has now been almost 8 months, and I am still waiting to get the re-finance loan finalized. The problem is that my hours at work have decreased substantially, and the saving of $ XXXX with a lower mortgage rate would have helped tremendously. In the meantime. XX/XX/XXXX, my mortgage increased by over $ XXXX/month. Also, in the meantime, mortgage rates have dropped. I received a letter from XXXX back in XXXX explaining that due to Covid, things are moving slow and that it would take another 45 days for the loan to be finalized. Here it is XX/XX/XXXX, and still nothing. I've sent emails and made phone calls to XXXX almost weekly, and he will not return my calls or emails, except to say he is working on it. I don't trust this company now, and an very upset that I am losing money to them every month. He won't tell me where the loan is being held up, and I have asked repeatedly for detailed time-lines as to the progress of this re-finance loan. It has been almost 8 months now, and with my job issues due to Covid, I am getting more into debt, my credit rating is dropping, and I'm worried I won't be able to make mortgage payments in the coming months. I am feeling extremely stuck and frustrated, because I could have applied ( and did XXXX to other companies and had this settled, however, XXXX promised me staying with Caliber would cost less, and he could save me more money. With less employment and a lower credit rating, there's a good chance I now would not qualify for any other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
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:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I JUST HAD THIS COLLECTION ACCOUNT APPEAR ON MY CREDIT REPORT THAT I BELIEVE IS A RESULT OF IDENTITY THEFT THAT IV'E BEEN DEALING WITH FOR OVER A YEAR BECAUSE I HAVE HEALTH INSURANCE AND THERE IS NO WAY THIS IS MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was looking over my report and seen an derogatory remark on my file my rights have been violated by XXXX XXXX XXXX  under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with Fair Credit Reporting Act there is 1 account XXXX XXXX # XXXX and this 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

The account does not belong to me, please the police reports and the fraud 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 2023-04-18
Company: Experian Information Solutions 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:
The below inquiry and account do not belong to me and were opened fraudulently. Please delete these from my credit file. I have included the identity theft report as well. 

XXXX XXXX XXXX XXXX XX/XX/2023 Account # XXXX XXXX BANK XXXX XXXX XXXX, 2023

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 2018-12-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My new holiday tradition is an exasperated phone call to my homeowner 's insurance agent to figure out what 5/3 is up to this time. For multiple consecutive years, 5/3 has not paid my homeowners insurance ( out of escrow ) before the policy expires. I receive no notice of any discrepancy or issue from 5/3, only a cancellation notice from the insurance company. I own 2 homes and I have never had this problem with my other mortgage ( different bank, same insurance company ), so I know the problem is not with the insurance company. In the past, 5/3 has claimed that the Declarations document provided by the insurance company doesn't contain the policy coverage amounts and deductibles, although this ( standard ) Declarations has always been sufficient for my other mortgage provider. I have solved the problem in the past by paying for the policy out-of-pocket and resending the same Declarations document originally provided with a verbal assurance that the amounts are indeed right there on the page. 5/3 then pays the insurance company weeks past the due date, who then refunds the money to me. This year, my insurance company has again notified me of an overdue notice and imminent cancellation. I have again been forced to pay out-of-pocket. As of XX/XX/2018, I have not been able to reach a human operator at 5/3 ( my phone log shows a 22 minute call today -- all of it in computer menus or on hold ).

It is easier to file this complaint than to directly interact and correct a simple issue with 5/3.

In my case, 5/3 has sufficiently demonstrated irresponsible management of mortgage escrow accounts and a consistent unwillingness to perform fundamental tasks associated with them. A quick search of CFPB site yields numerous similar complaints, some with far more serious consequences to the homeowner. It is not unreasonable to wonder how pervasive this behaviour is within the organization. I sincerely want to be dissuaded from escalating this, but just in case, I have begun drafting concurrent complaints for the Ohio Dept. of Commerce and the federal Office of the Comptroller of Currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My usual banker, XXXX XXXX, was out on XXXX leave, so I was forced to go the branch XXXX, XXXX for a copy of my mortgage loan papers. when she asked me, in her usual sarcastic tone, 'is the loan with Chase XXXX, I replied in the same tone, 'oh no, it's with XXXX XXXX XXXX XXXX I go there '? XXXX gave me a strange look and I then replied in her same sarcastic tone, 'Of course it's with Chase XXXX XXXX otherwise why would I be here '? 
She sat down at her computer and replied that she could not find any loan in my name. I was forced to go to another branch, where the bank XXXX found the paperwork in 30 seconds. 
When I returned to the branch a few days later I was informed that all my accounts had been closed. 
When I asked XXXX if she had done this - she replied that she had ; when I question her on why - she again sarcastically said " for bad behavior!! '' This included all my checking accounts, my credit card accounts, and my JPMorgan on line XXXX  account. 
What horror this has caused me ; at my age to start all my banking history, to have auto payments negated, to have credit cards closed where I was accruing airline mileage points ; all because I would not tolerate XXXX 's sarcasm. 
I took this up with XXXX 's superior, XXXX XXXX, whom although she showed some sympathy for my story, said that she find some documents that there were other reports of my 'bad behavior. These reports were never shown or explained to me. I can only assure you that there were never any incidence of malice, bad language or any display of threating behavior, insulting behavior or any of the slightest indication of physical threat or harm. 
I have always been quite generous with each banker that I have been in contact ; from supplying needed food products during this Corvid pandemic, to bringing different sweets and little thanks you gifts for their service to me. I feel this action was so over the the boundary of institutional behavior and was initiated only because XXXX never showed the slightest bit of respect or courtesy to me., Was it my religion, my age, or my obvious preference for anyone but her to help me as her brazenness was always a factor in her dealing with me. 
There were many other instances as well. That was the most heartbreaking one as I've been a loyal customer for years and that woman out of nowhere shut down all my bank accounts for no reason whatsoever. Another incident just to give an example was she made me walk all the way back home because I didn't have a mask, when I knew that she had a supply to give to her customers and even saw her hand it to other customers in front of me, but never showed me the same courtesy and treatment.

Company response to consumer: Closed with explanation