BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit  trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
SUMMARY : Capital One has not provided me with information on a fraudulent account, as required by the Fair Credit Reporting Act, after almost two months and numerous letters and calls. 

In XXXX, I discovered through pulling my XXXX XXXX consumer report that a fraudulent bank account ( either checking or savings ) had been opened using my name and Social Security number at Capital One. The account had already been closed, but was appearing on my banking history report. 

On XX/XX/2023, I sent a letter to Capital One via certified mail requesting information on the account, written confirmation that it was closed, and written assurance that I was not responsible for the account. My FTC identity theft report and my XXXX file disclosure were enclosed in that letter. 

Hearing nothing, I followed up on XX/XX/2023 via telephone. The representative informed me that the documents were received, but were not eligible to be processed because, as she informed me, Capital One does not accept documents by mail. This surprised me. She said that I could re-submit my request via fax only, and must also include copies of two forms of identification. She also cautioned that Capital One reserved the right to deny my request and require a subpoena from a court in order for me to receive these documents. This also surprised me ; I thought that the Fair Credit Reporting Act required companies to provide information to victims of fraud. Nonetheless, I submitted the requested information via fax later that same day, XX/XX/XXXX. 

Still hearing nothing, I followed up again on XX/XX/XXXX via phone and asked about the status of my request. The customer service agent was unable to provide me with the status, and said that my request would be re-submitted and that I would receive a letter in 10 business days. 

I have still not received the letter, and this is now far past the 30 day window for the company to complete an investigation, and I have not received the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I've sent emails and called all XXXX credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them. 

Per consumer law 15 USC 1681c-2 : Block of information has been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed by the bank many weeks ago, and until now I didnt receive any letter, communication, or something from the bank. Also they didnt send me a check with the amount I have on the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 credit reporting act this creditor has violated my rights. Under 15Usc1681 sec 602 states I have the rights to privacy, 15usc1681 sec 604a sec 2 a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX 30 days late XXXX date : unknown used card once 30 days late XXXX XXXX XXXX : XX/XX/XXXX 30 days late

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 2023-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
In XX/XX/2023 a checking account was opened in my name. I was told it was charged off XX/XX/2023. I was contacted by a debt collector that I owe {$1000.00}. It was a XXXX Bank XXXX account number XXXX. I did not open this account. This is fraud using my social security XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX XXXX XXXX of Louisiana, have been impacted by the Louisiana Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: MEDALLION MORTGAGE COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i '' ve had a hard money high interest loan for 3 yrs. it was supposed to be a short term loan. i have repeatedly tried to refi out of this loan and have been unsuccessfu. my lender medallion services of XXXX have repeatly refused to comply with simple request for payoff demand, and medallion services represented by XXXX XXXX XXXX has continued to refuse to communicate with any title company seeking info for refi on my XXXX XXXX XXXX property. medallion attempted to foreclose, i filed a motion ex parte to get emergency injuction from any sale and was successful however Medallion service sold the property anyway despite the order. i know i am a victim of predatory lending i need help.theses people are crooks. Medallion has charged us extremely high rates from our agreed 12 % to 16 % without any response to our written inquire as to the cause of the increase, enough is enough. i need help.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2020-04-04
Company: BBVA FINANCIAL CORPORATION
State: CA
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:
My name is XXXX XXXX BBVA USA/Compass Bank credit card # XXXX This is response to BBVA 's response : XXXX My payment was postmarked on XX/XX/XXXX ; payment due XX/XX/XXXX ; payment was posted on XX/XX/XXXX, they stated they received the payment on XX/XX/XXXX *** BBVA stated payment must be received by the due day ... .and suggested cardholder pay EARLIER in order the payment can be received by the due day ... 
*** What happened if the payment LOST in the mail even payment was sent out EARLIER enough? Is it card holder 's responsibility? What happened if BBVA did not post the payment on time ( on purpose? ) even they received the payment on time? Of course, is it cardholder 's responsibility? 
*** Is this BBVA 's revenue creating tool? 

We are all paying tax to IRS, due day XXXX, on the XXXX, you see a lot of tax payers stayed in line to send out the tax through USPS facilities, they are getting a USPS postmarked receipt. IRS, of course will not receive the tax payment ON THE DUE DAY, XXXX, even the payment LOST in the mail, IRS will not consider tax payer was late in the tax payment because tax payers have USPS postmarked receipt! 

I am a retired company XXXX, XXXX or XXXX XXXX. 

BBVA, please make the profits the way people respected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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:
This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-04-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023 Amazon.com incorrectly charged {$150.00} me for a XXXX membership renewal after I had filled out a form on amazon.com to contact me before renewing the membership. 

Also on XX/XX/2023, I called Amazon, and they understood and immediately credited my Chase Amazon Credit Card for {$150.00}. These two transactions occurred on the same day, as evidenced by my XXXX and XXXX credit card statements. 

Instead of entering the credit as a credit to the account during the month, Chase entered it as a payment for the credit card, instead of a charge reversal. 

Since I had a 12 month 0 % interest purchase on my account of {$55.00} per month, the way Chase 's creative accounting is done, my statement requested a minimum payment to avoid interest of {$200.00} or a minimum payment due of {$90.00} that would result in me being charged interest, as opposed to the usual {$55.00} payment it should have been. 

Either way, Chase found a way for me to incur interest by posting that charge reversal as a payment instead of charge reversal or credit during the statement period that should offset the erroneous charge by Amazon. Two hours elapsed between the time Amazon charged me and the time I had it corrected, yet I am on the hook for interest for a {$150.00} that didn't really occur. It is a deliberate, unethical attempt by Chase to maximize the possible interest charges, and an underhanded way to do so. 

This is unethical, and I have closed both credit cards accounts I had with Chase, damaging my credit scores due to the loss of extended credit. 

Since it is obviously unethical, I am assuming it is illegal as well, and I am filing a complaint about Chase 's accounting practices regarding credit cards purchases and credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: U.S. Auto Credit Corporation
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
US Auto Credit employees are contacting my job, family members, and friends sharing my debt information with everyone. They are showing up to every persons home listed in the contract and letting them know personal information also asking personal information in regards to me. When I call to make payments they do n't allow me authorization for automated pay services. Instead, I must go through their rude customer service agents who constantly argue with me unprofessionally about paying my debt. I see no reason to dispute with me when I 'm actually paying for the automobile. I have been receiving this harassment for months and I am no longer allowing this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2020, my PayPal account got permanently limited for unknown reasons and I was asked to wait 180 days before I could access my money, it was a bit frustrating for me but I decided to wait, 180 days is complete and they still giving me excuses about my money, please I really need assistance. I have tried to contact them via customer service countless times but all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 need to re-document and refile this grumbling to TRANSUNION.I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

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