BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Earlier this year, XXXX XXXX, my auto insurance at the time, took a payment of {$370.00} from my CapitalOne account that I did not authorize. I disputed this charge and used an alternative method to make this payment when I was able to. On XX/XX/XXXX CapitalOne reversed the credit to my account, and ended the dispute in favor of XXXX XXXX. Their reasoning was that I wasnt able to provide them with a statement proving I made the payment to XXXX XXXX with another method. I told them its none of their business, and that the only thing that concerned them was that I didnt authorize the charge. I spoke to the CapitalOne team multiple times always to no avail. I stated i would escalate to the Consumer Finance Protection Bureau if the dispute wasnt corrected in my favor. This month, I received a debt collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have currently have collections of {$3900.00} originally from XXXX XXXX, XXXX XXXX XXXX. This is for outstanding rent that is owed for a business I sold in XX/XX/2020. I spoke with representatives from XXXX XXXX because I was charged rent during the pandemic restrictions ( XXXX XXXX XXXX Official Pandemic Declared XX/XX/2020 ) despite my lease agreement containing a Force Majeure clause which would have stopped rent being owed during the Pandemic restrictions. The clause reads as : 39.Any prevention, delay or stoppage due to strikes, lockouts, labor disputes, acts of God, inability to obtain labor or materials or reasonable substitutes, governmental restrictions, regulations, or controls, enemy or hostile government action, civil commotion, fire or other casualty, and other causes; or, any failure or defect in supply, quantity or character of gas electricity or water furnished to the Premises, by reason of any requirement, act or omission of the public utility or others furnishing the Project with gas, electricity or water, or for any other reason, whether similar or dissimilar to the above and beyond the reasonable control of the Party obligated to perform, shall excuse the performance by the Party for a period equal to that resulting from the prevention, delay or stoppage, except those obligations of Tenant to make payment for Rent and other charges pursuant to the terms of this lease. 

I owned a XXXX, and Pandemic restrictions for XXXX was lifted on XX/XX/2020. I continued to pay rent during these restrictions despite the above clause stating I would not have to. My monthly rent was {$3100.00}. Calculating the days I was mandated to cease operations, I paid {$10000.00} when I should not have. 

When I sold the XXXX  at the end of XX/XX/2020, despite my requests for my money back, I was told that they were still trying to " work it out '' with management to compensate me. However, they never did. They also required me to pay one more month of rent, despite new owners taking over the XXXX. This is why the current collections account is open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Good morning I have sent 3 letters of dispute to the 3 credit bureaus XXXX, TransUnion and XXXX asking that they verify that the accounts are verified that they send me proof with the contract and my original signature and that if they are not removed from my credit report and still they still appear after 2 rounds of dispute cards XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX************** Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account TransUnion XXXX XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account

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 2022-04-21
Company: EQUIFAX, INC.
State: AZ
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:
XXXX Account # XXXX is reporting as a delinquent account on my credit bureaus with over 10 outstanding late payments. However, The account is current and has never been past due where the account is paid off in full. I am trying to go for a mortgage loan and these wild inaccurate accusations of having over XXXX late payments is severely hurting my credit and unallowing me to get approved for any credit card, home loan, leaving me in a bind of a situation. I need XXXX, XXXX and Equifax to respond to my demands that I have sent them the past 6 months and get on timing as well as XXXX to update this account status to current when it is not delinquent and was never past due. This is extremely wrong and if they can not have this fixed as reporting proper across all XXXX bureaus I want this account removed from all XXXX credit reports as no one is answering my demands or acknowledging me down to the creditor which leaves me no choice but to pursue legal action at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
All the three credit bureaus have old information on my credit report. I have tried to remove the old accounts from my reports but all the three bureaus have different informations.

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 2023-01-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX, XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$14000.00}

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 2022-04-21
Company: EQUIFAX, INC.
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, the following accounts has violated my rights : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Mr. Cooper Group Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
REQUEST FOR XXXX  XXXX XXXX TO PRODUCE UNREDACTED FIRST XXXX XXXX  BILL, NOTE, STATEMENT, PAST DUE NOTICE FROM SERVICER AND CURRENT UNREDACTED XXXX  XXXX  XXXX XXXX XXXX  BILL, NOTE, STATEMET, PAST-DUE NOTICE FROM THE SERVICER, AKA " THE NOTE FROM XXXX XXXX XXXXXXXX XXXX XXXX 
THE XXXX XXXX XXXX XXXX  REQUESTS THIS INFOMRATION TO HELP THE CURRENT OWNER FOR THE LAST 15 YEARS WIHT FEDERAL COVID HELP TO KEEP HER HOME. XXXX XXXX  IS COLLECTING THE OLD DEBT BUT AGAINST FDCPA THEY ARE NOT PROVIDING THE NOTE O F XXXX TO VERIFY THE DISCHARGE OR ACTUAL PAID IN FULL OR OUTSTANDING OF THIS DEBT AND ARE COLLECTING FROM THE WRONG PARTY XXXX. Attachment and enforceability of security interest ; proceeds; supporting obligations; formal requisites. 
( a ) A security interest attaches to collateral when it becomes enforceable against the debtor with respect to the collateral, unless an agreement expressly postpones the time of attachment. 

( b ) Except as otherwise provided in Subsections ( c ) through ( i ) of this section, a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( XXXX ) value has been given ; ( XXXX ) the debtor has rights in the collateral or the power to transfer rights in the collateral to a secured party ; and ( 3 ) one of the following conditions is met : ( A ) the debtor has authenticated a security agreement that provides a description of the collateral and, if the security interest covers timber to be cut, a description of the land concerned ; ( B ) the collateral ( B ) the collateral is not a certificated security and is in the possession of the secured party under Section 55-9-313 NMSA 1978 pursuant to the debtor 's security agreement; ( C ) the collateral is a certificated security in registered form and the security certificate has been delivered to the secured party under Section 55-8-301 NMSA 1978 pursuant to the debtor 's security agreement; or ( D ) the collateral is deposit accounts, electronic chattel paper, investment property, letter-of-credit rights or electronic documents, and the secured party has control under Section 55-7-106, 55-9-104, 55-9-105, 55-9-106 or 55-9-107 NMSA 1978 pursuant to the debtor 's security agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-05-29
Company: EQUIFAX, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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

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 2019-01-30
Company: Access Receivables of NC Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter dated XX/XX/19 from Access Receivables about collection. I was out of town when the letter was received but on XX/XX/XXXX wrote a letter to the company requesting validation of the debt. I have continued to get daily phone calls and messages- many while I am working. I called them back today and reiterated that I have requested validation and will not talk to them - not to call me - while I have not received validation. The rep began to argue with me that they will not send me a personal letter and how else are they supposed to contact me. I reminded her it is my legal right to request validation in writing and they are disturbing my ability to work. She STILL did not say they would not call or that they would send me a letter ( as I understand is required ) and raised her voice so I terminated the call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was taken by XXXX to XXXX ( AZ ) XXXX XXXX on XX/XX/XXXX for a XXXX XXXX XXXX and remained there for a week. On or about XX/XX/XXXX I received an invoice from a billing department or company saying they represented XXXX XXXX XXXX I have XXXX and XXXX. The bill was for a total of {$45000.00} The form stated I owed a balance of {$1300.00}, which was a surprise. I tried almost immediately to determine the basis for the {$1300.00} and never got an answer. Instead, fromXX/XX/XXXX through today I was contacted in writing by six ( 6 ) different debt collectors, each demanding the name amount. Each time I wrote a letter demanding to know how the debt amount was determined. None of the debt collectors responded. Instead a new debt collectors showed up. A few months ago I opened an account on XXXX XXXX and was horrified to see that a debt collector by the name of Central Portfolio Control posted a collection for {$1300.00} to by XXXX credit report with a new date of " Opened XX/XX/XXXX'' - more then 4.5 years after the last date of last action. There is no address listed for the company on XXXX XXXX. Three times using the dispute function I disputed the debt with XXXX. The only replies were verified by creditor. Besides this being a surprise bill from XX/XX/XXXX, both XXXX and Central Portfolio Control are intentionally mistating the date of the alleged debt and intentionally harming by credit record and XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: MI
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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

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 2022-10-26
Company: EQUIFAX, INC.
State: IL
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 credit Reporting act XXXX  Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or about XX/XX/2021, I was in check out self serve line at Sam ' s Club when clerk there approached me asking if I wanted to update my card. Informed her I had recently renewed membership and obtained special benefits. But she assured me it was different and no credit check, just accepting additional benefits at no charge. Again I warned her no credit check, right? I had her input information and she said someone would contact me. Today, XX/XX/2021 when opening mail from late Saturday. It is denial letter from Sam 's for credit product!

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 2023-05-10
Company: EQUIFAX, INC.
State: MS
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 have tried several times of the past few days to reason with this company, & they flat out refused to help by correcting. I brought to theyre attention that there are inquiries that I dont recognize on my report & there is absolutely no action being taken. 
These are the following inquires : XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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