BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX errantly processed a {$180.00} charge even though a trial was CANCELED DURING THE TRIAL PERIOD. XXXX also confirmed the TIMELY CANCELLATION with numerous chats and E-mail messages with " We're sorry to see you go '' and other statements of CONFIRMATION ATTACHED. Capital One FRAUDULENTLY claimed to have replaced their broken link to upload all of this documentation with another link and no such replacement link was ever delivered. Capital One phone reps say one thing and Capital One 's back office does another. Capital One FRAUDULENTLY claimed to have mailed a letter asking for the documentation that Capital One failed to take online, yet no letter was ever received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm in debt, just like any other person. Debt XXXX, I know its there and I pay towards one debt at a time. Ive got medical debt, school debt and credit card debt. I'm slowly paying off my medical debt and will eventually work towards my other debt. I'm very aware and understanding how debt works and how debt collectors work but this company is literally driving me nuts. They call me 2-3 times A DAY. There has been one incident where they actually called me 4 times in one day. I have spoke to the caller once, explained my situation and left it at that. When debt collectors say they want to help, it's a lie. Ive asked them to stop calling me so many times in 1 day, its ridiculous. Since they call me so much, I've blocked them and they go straight to voice mail. The person leaving the voice mail is the same recorded message over and over. It's annoying and if I could block them from leaving voice mails, I'd do it in a heart beat. I don't care how much money anyone owes to any company, debt collectors should NOT call more than once a day UNLESS they've spoke to the customer and was told otherwise. This needs to stop, immediately. The company name is Receivables Management Partners , LLC and the number they call from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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: Information belongs to someone else

Complaint:
I recently pulled my credit report and found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, Equifax, XXXX is governed by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed. 
according to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Equifax, and XXXX written permission to furnish these. 
accounts. These are the accounts that's reporting in accurately. XXXX XXXX XXXX account XXXX XXXXXXXX {$1700.00}, XXXX XXXX XXXX account XXXX XXXXXXXX {$1600.00}, XXXX XXXX Bank account XXXX XXXX XXXX XXXXPlease remove these hard inquiries, I did not authorize for any of these companies to run my credit, I did not sign any documents giving any XXXX permission to do so. XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.. Also, these hard inquiries I did not give authorization for these companies to run my credit. This is a violation of 15 USC 1681 I did not give the credit bureaus written permission to run my credit. XXXX of XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
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: Information belongs to someone else

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per transaction. Additionally, I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
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 do not own these debts and have submitted identity theft claims Collections : XXXX XXXX XXXX - {$2600.00} - XX/XX/XXXXXXXX  Collections : Credit Collection XXXX - {$86.00} - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently a Client with XXXX XXXX. This is a debt consolidation firm. I had two accounts with XXXX XXXX XXXX. One account was settled XX/XX/2023. The other account I am currently making payments through XXXX XXXX XXXX XXXX XXXX to pay towards the settlement amount of {$850.00}. The original balance was {$18000.00}. XXXX XXXX has fraudulently reported that account to a collection agency LVNV Funding LLC for {$1700.00}, which is incorrect or a fake account XXXX  XXXX created to collect additional funds after the settlement of {$850.00} has been reached with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Torriere Holdings INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/2021 Spire recovery solutions ( SRS ) contacted myself at XXXX, as well as my business line owned by XXXX at XXXX, and my son at XXXX and my sister at XXXX on XX/XX/2021 they did it again. 

It is my understanding that they can not contact family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: PA
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 the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with XXXX XXXX XXXX XXXX  XXXX I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since XXXX Equifax and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. XXXX Equifax and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. XXXX Equifax and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable. XXXX Equifax and XXXX failed to properly investigate the information before furnishing the data so a response saying an investigation will be started I will pursue further litigation and XXXX Equifax and XXXX will be held by default to those damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Some company by the name of Credit Collection Services put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Dave Operating, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was viewing my statements recently because I was due for a refund from XXXX and wanted to ensure that it hit my account, while checking my statements I noticed something awfully peculiar about the order of my transactions, they werent in the order that I originally placed them! This has caused a significant accounting error for them where it has placed me as seen on Tuesday XX/XX/2023 I have a running balance deficit of $ XXXX and when my check was cashed it only showed that I had XXXX in my running balance when my check was for XXXX, when I woke up that pay morning, that was my balance, when I was done dealing with XXXX and getting robbed by them my balance was close to XXXX bucks. This bank is an atrocity. I have tried telling them they reorganized my transactions but they keep gaslighting me and telling me that I have on auto rounding ( which i do and am fully cognizant of, the fact they dont think i am is so insulting, they are rewriting the events of my life to profit more. ) ( Also Dave isnt a bank, this is about Dave but its also about XXXX XXXX as well, yall are professional cheats. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
2016 was a hard year. My son, proudly serving his country in the XXXX, went through a painful divorce while stationed in Hawaii. Helping with the legal fees of a long, ugly custody battle as well as the enormous expense of flying to and from there and my home took every cent I had. Things took an even worse turn, when S

ocial Services seized his XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX. At this point, I did what any mother and grandmother would do, and dropped everything and got on a plane. With my help, we regained custody. But at the end of this nightmare, my savings were gone, and Id worked one month out of the entire year. At the start I was working two jobs. Our family banded together to help care for the children, and even my ex-husband helped as best he could to keep me afloat. I had gotten a payment or two behind on my mortgage and we paid what was due. It is hard to bounce back all at once. Time passed, and as we all resettled back into our lives, I found myself somehow behind by three months. I thought I could pay it back like last time, but the loan had been accelerated. I pleaded with the bank to work with me. Mr. Cooper would be pleasant on the phone, but nothing would be resolved. The fees were still mounting. Someone in only five months, I owed a years worth of mortgage payments! Now I am back in XXXX XXXX, and back to working full-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was sold a faulty vehicle by XXXX XXXX XXXX on XX/XX/23 and paid a {$4000.00} down payment. My husband and I applied for the vehicle and it ended up in only his name and our business. The first time Westlake financial ever called the registered number on this account, the agent was confused and apologized because as he said " our accounts are not allowed to be business numbers '' they also would not discuss any details with me without my husband. I advised the lending institution Westlake financial of the details the first week of XXXX after I already had the broken down vehicle at the mechanics and a diagnosis and quote in hand. 
After sending in my complaint with all of the documentation the lender requested ( including mechanics vehicle diagnosis and estimate ) and repeated requests to at least have my complaint acknowledged and the account reviewed. They failed to do so. Never called, emailed, or even acknowledged. If i call they give me a run around for hours and do not give me any relevant information on my account, or any resolution whatsoever. 
Despite getting a loan I have not been able to drive my financed vehicle for even one full day in the past 3 months. The vehicle died while being driven on the freeway and less than 50 miles after being taken off the lot. 
Westlake financial has now impounded my dead vehicle and notified me that I broke the contract and have encumbrances and a lien on the vehicle which gives them the right to sell it within 10 days. The loan account has been paid and up to date for this entire time, not one late payment. I have also maintained 1 million dollar insurance coverage on the vehicle this entire time even while the lending institution has possession.

What do i do as a consumer when I have been taken advantage of from day 1?

The dealership is already currently facing a lawsuit and 2 bond resolutions.

This lending institution for being non-responsive and dismissive to their customers deserve the same. They have all of the necessary documentation they wanted and needed from the beginning and have failed to do anything with it or hold their client XXXX XXXX responsible for fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: MA
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:
My report on Experian needs to be accurately reviewed there are accounts that need to be removed they have different dates and other bureaus have removed them or have a differnent date this will be the last time I send this in for dispute I will have to take this further if needed experian neds to follow the fair credit act and review my credit.

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 2023-09-12
Company: EQUIFAX, 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:
I am deeply concerned about Equifax 's noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they have disregarded my request for the removal of inaccurate accounts from my credit report, in direct violation of federal law. 

The problematic account details are as follows : ACCOUNT : XXXX  XXXX XXXX XXXX - {$8800.00} - XX/XX/2020 I have informed Equifax multiple times about the inaccuracies in this account. They persist in reporting incomplete and incorrect information. Federal law mandates that consumer reports maintain maximum possible accuracy, per 15 USC 1681e ( b ), defined as " correct in all details ; exact. '' Equifax 's reporting falls short of this standard.

Furthermore, 15 USC 1681i ( 6 ) requires Equifax to notify me of the results of a reinvestigation within five business days, but they have failed to do so.

As the original creditor, I alone can validate this debt, which I do not. Hence, I demand the immediate deletion of these accounts from my consumer report.

I respectfully request CFPB intervention to ensure Equifax 's compliance with federal law : Conduct a thorough reinvestigation.

Provide written notice of results within the required timeframe.

Delete inaccurate and incomplete account information promptly.

Your involvement is crucial to rectify this matter, protect my consumer rights, and hold Equifax accountable for FCRA violations.

Also as I stated before Equifax actions seem like they careless or disregard the CFPB and federal law. As I stated before I am the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is reporting an account twice. The entry appears as XX/XX/XXXX, then again as a collection in the entry XXXX XXXX XXXX. I have disputed these entries directly with Experian and the correction has not been made. Experian is violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by duplicating these entries.

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 2023-06-24
Company: World Acceptance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I tried to transfer {$200.00} with Coinbase. This has resulted in a hold on my bank account and the funds are not available through them. I asked them to refund the Interchange fees. They refused and were quite degrading.

Company response to consumer: Closed with explanation