BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XXXX REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XXXX XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : CAPITAL ONE AUTO FINANCE AMT. XXXX, XXXX OPENED : XX/XX/XXXX CAPITAL ONE BANK, USA AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXX AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-04-06
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:
XXXX XXXX XXXX {$1000.00} There is no valid claim, no contract exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: FIRST PORTFOLIO SERVICING INC
State: LA
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:
Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Data Mortgage Inc.
State: GA
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:
In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See Essex Mortgage Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - DATA MORTGAGE XXXX : XXXX - ESSEX MORTGAGE COMPANY : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case file : XXXX -- Per capital one I called Capital one back in XXXX of 2020, due to the covid outbreak, the hold time was over an hour. I cancelled a card through the automated system as instructed, however, Capital One still allowed charges to process on that card that was supposed to be closed. They have told me that they would adjust my card balance, crediting my fees back and as of today nothing has happened. I have been on the phone for 4 hours at a time, each time a 'supposed ' supervisor over promises and under delivers, yet I still am required to make my payments on time even though this issue has been ongoing for almost a year. Each time I call it is always a different lie that they are working on it, they have it fixed, I have been told I have been credited back my charges, had to get into an all out shouting match with the rep on XX/XX/2020 to make her aware you are calling me a lie, and your records are WRONG. Then 4hrs later she told me that I was correct and they would adjust the problem as of today nothing. I do not know what other avenue to take, but Capital One has been horrible and I just want my balance adjusted

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

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

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

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

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

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

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

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

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

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

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 2021-01-15
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
this company calls me multiple times a week and every time I answer they ask for me and then hang up. I was contacted earlier today and again I was hung up on. I called back and the woman name " XXXX XXXX '' would not state the nature of the business or purpose of the call. I specifically asked if this is a collection agency and the woman kept stating the company name instead of confirming she is working for a collection agency. This is breaking multiple different laws. She was being evasive and using aggressive collection tactics. I will report this company to the attorney general and FTCC for violating FDCPA. I also called again to get a mailing address to send over a Verbal Cease and Desist. These phone calls are harassing and abusive. I will be seeking legal assistance to ensure this does not happen again.

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 2023-01-23
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022 I wrote a check to renew a subscription for XXXX XXXX in the amount of {$42.00}. I did not find out until XX/XX/2022 that the check was " washed '' for {$9400.00} when I received my statement. The bank informed me that my account was over drawn. I went to the bank and talked to, XXXX XXXX and XXXX. 

They closed my old account and set up new account and told me it would take 120 days to investigate. They have not put anything in writing. They did close my checking account and open up a new account and gave me starter checks but I had to buy new checks because my bank account was over drawn and closed. They did not help in any way, shape, manner or form in resetting auto pays for my healthcare. 

Meanwhile I have had checks bounce because of the bank 's error and not keeping me informed of my account of what is being deposited into new or old account. My social security has not yet been transferred to new account for auto deposit. 

My XXXX XXXX is spiraling and I have never had a bad XXXX XXXX. 

The bank has said they are investigating but they have not given me any updates other than the case is still under investigation. The bank has not given me a written statement that it will take 120 days before I can get XXXX money back that was stolen or fraudulently taken by this check washing. The check of {$9400.00} was rewritten to : XXXX XXXX and cashed at a XXXX  XXXX XXXX. They showed me the check that was changed from {$42.00}. When I ask them when will I get my money back they tell me they do not know and I will know before they do? Meanwhile I have deposited {$7000.00} plus more money into my new checking account and replaced a few checks that were returned to the bank because the account was over drawn. 

I need to know when this money will be refunded. PNC Bank should not be holding my money XXXX due to their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
When I initially took out the loan, I had informed them that my pay structure was bi-monthly, the XXXX and XXXX of the month. I had to keep calling them to correct the date in turn, defer the payment. XX/XX/XXXX ( which should be XX/XX/XXXX ) is the last payment to be paid on this account in the amount of {$130.00}. I had asked them to deferred the payment to the XXXX and they indicated that if I deferred the payment one day, the payment would be doubled.

They didn't seem to care one way of the other. Their practices are unethical and should be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
BBVA promised a {$200.00} rebate if for a new account when receiving direct deposit into the account. I complied and had several direct deposit payments in the account an after six months, I never received the money promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2021 I submitted a complaint with CFPB against Experian. My complaint is that Experian is reporting a bankruptcy case number XXXX on my credit report. I submitted documentation to them showing them that I had submitted several requests to getting said bankruptcy removed. One of the letters was a letter from Experian ( report number XXXX ) stating that they verified the BK through XXXX XXXX. The second letter was a letter from XXXX XXXX stating that said BK was reported in error and removed from my profile ( XXXX XXXX Report ). And the third letter I submitted was a letter from US BKPT CT IL XXXX Northern Dist - XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, IL XXXX stating that they do not perform any activities with credit bureaus. I am attaching all of this documents to this complaint again. 

My question is how can Experian tell me that they verified a bankruptcy with XXXX XXXX, then tell me after I submitted my complaint that the BK was verified by the US BKPT CT? There is documentation on file that contradicts what Experian is telling me. Who did Experian speak to or what documentation do they have to verify this BK to stay on my file? 

My first complaint that can be used as a reference is CFPB # XXXX. Experian 's response/report number is XXXX. 

This will be my second complaint with CFPB about the same issue and Experian is totally disregarding the facts.

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 2021-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are items listed on my credit report that I have no knowledge of. This was a a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A law office attempting to collect a garnishment withholding from a terminated employee called our company 's general support number ( people who have no affiliation with HR or Finance at all ) and asked to be put through to Payroll. Our agent suggested that they reach out to us at our email and they refused, stating " I guess we will just pull the company into court. '' The woman who was attempting to collect the debt even recited the finance number in the attached recording, stating that " We had not returned her calls '' which is a blatant falsehood. Finance reached out almost immediately after the first call and left a message asking for a call back and did not receive one until almost two weeks later on a day when the finance department was unmanned. 

After calling the day after, the agent again threatened legal action without prior notice over the phone. I'm sure the law office will have records of these calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation