BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my vehicle off early on XX/XX/2023 {$2400.00} in anticipation of XXXX and being XXXX  for a few weeks, never having a single late payment. 

Over the next 3 weeks, I received a lien release and a Thank You letter stating I paid my vehicle off and my online statement was marked closed. Well into XXXX, I contacted Capital One as I noticed my payment had not posted. 

I was assured by Capital One they had received my payment, and it took awhile to process. Around XX/XX/XXXX while in recovery for XXXX I began receiving collection calls. 

I returned their message inquiring what the issue was and continually stone-walled by foreign phone agents reading scripts. On numerous attempts, the agents were unintelligible and seemed to have no knowledge or ability to inquire what the status of my account was other than read a script about a past due payment. 

I informed them I had made a pay-off and I need to know what the status on that was, they had no knowledge or ability to inquire in to it. My account on the portal remained closed I did not trust the competency or authenticity of these phone agents who called me. 

At great effort and diversion, I was finally able to get my issue escalated to an English-speaking representative. They were unaware of why my payment had not posted, at no time was there insufficient funds. My bank said they declined no requests for funds. I submitted payment using the online portal as I do every month, my digital check l is saved on their site. 

During this conversation on XX/XX/XXXX I issued a payment for a second time, they charged me additional interest for XXXX and are claiming a late payment. 

To date, they have not cured the title and requested a lien release from the previous lender, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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: 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 XXXX XXXX acct # XXXX Limited reporting information XXXX XXXX XXXX acct # XXXX XXXX XXXX  ACCT # XXXX The above account names has violated my rights 15 USC 1681 section 602A 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 an account without my written instructions 15 USC 1681C ( a ) ( 5 ) 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 The conviction of crimes which antedates the report by more than seven years 15 USC 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 calls to believe that the information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to Midland Credit Management directly and was emailed directly to their CEO & CFO with a copy of the 1099-c, which I have submitted here.

Please immediately delete the following accounts immediately from my credit report! 

Immediate deletion of account and {$1000.00} per violation of the FCRA MIDLAND CREDIT MANAGEMENT COLLECTION FOR {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my Chase Bank account on XX/XX/2020. My account was XXXX and I left with the understanding the account was closed and would not receive any further debits and credits. Today on XX/XX/2020 I was sent a debit to the account I believed to be closed only to find it was still opened and had paid out several debits overdrawing the account with multiple fees. Calling the bank the said pending debits had kept the account opened, but nobody indicated this was a possibility when I closed it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was checking my credit report and this debt is on there, preventing me from financing for an auto, I have called to dispute this debt. I NEVER opened a credit card. I sent a letter for validation of Debt requesting Copy of the Original Contract, Copy of the payment history, Name/Address of the original creditor and proof of debt assignment. I only received a monthly statement from XXXX XXXX  and an account summary report showing the original creditor, a second company as the creditor and now this Resurgent Capital Services as the creditor. I have NOT received validation of this debt. I have disputed this debt. I have done all that I can but gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2017-03-20
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Balance is now XXXX ; however, I only received one phone call about this account and I requested a paper bill in order to send payment. Paper bill was never received and I received no other phone call before this was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am seeing incorrect information on my credit report, such as my name Date of Birth Address Place of employment etc. 
I have highlighted the information in red that are incorrect.

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 2023-08-23
Company: FC HoldCo LLC
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:
On XX/XX/2023 I went to a car dealership in XXXXXXXX XXXX. to purchase a vehicle, I was unaware that after me being declined with the first bank, That this dealership would continue to shop my credit around to other lenders without my knowledge and after I had long left their place of business .The result of the auto dealer practices have caused a unnecessary burden on my personal finances and my business finances, I walked into the dealership with a XXXX credit score and awoke the XXXX XXXX to a XXXX credit score.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Reporting on transunion : Address is incorrect Never lived at this address. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CT 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 explanation
Consumer complaint received 2023-07-26
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 recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX 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 2020-10-21
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a perfect payment history and a great credit score. Yet, for some reason Goldman Sachs/Apple has blocked all future spending on my card. I cant get any answers from them. The only thing Im being told is we will mail you a letter at some point. This is in really poor taste especially during the Pandemic for someone located overseas that needs access to funds. I have no idea what to do or what I have done to get restricted. If they planned to issue me a card for only such a short time I would never even have applied for it and allowed them to do a credit check ( which decreases the score significantly each time that happens ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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 Experian and XXXX 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. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/18 Balance : {$17000.00}

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 2023-05-02
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
My Jetblue Barclays credit card was used to purchase at XXXX XXXX XXXX on XX/XX/2024 ; I informed the company that the card was in my possession and that I was not the person making those purchases. At the moment, they removed the charges from my account. However, this month, I received a statement with the reverse charges and an explanation that says that the fraud investigation team found the charges legit because I told them that the card was in my possession and according to their policy and rules, their chip can not be replicated and I have to take responsibility of those charges. I offered to send a copy of my passport to prove that I was in the US when those charges were done, but they did not guarantee that that would help. I feel very frustrated because those chips are being replicated or the thieves are using something to steal the information. The Barclay credit card company is not helping its customers resolve these fraudulent transactions. 
Below are the charges I am being forced to pay for : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} Total purchase activity for this period {$320.00}

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 explanation
Consumer complaint received 2019-12-06
Company: URS Holding, LLC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX  XXXX XXXX malicious transaction use my personal information, an unauthorized signature to obtain loans. They were misleading and not letting know. 
I went to an open orientation couple years letter while checking my credit report there were outstanding student loans on my account. I contacted them I never got any response from them. Soon later the school closed. All my attempts to have them discharge this loans have been unsuccessful. 
They advertising was totally misleading. And they never deliver to me any service and any return of this. They requested for this loan was in bad faith. I was never contacted in the past about this loan until it was already in default. And now in collection department of education refuse to discharge it. They keep passing the loan around to different agencies. 
I need help revolving this issue with department of education. Thy haven't been very forgiven of a loan they have no attendance of me a loan I never authorize anyone to open. 
They garnished my tax return and refuse to further investigate this claim from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Ocwen Financial Corporation
State: MO
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
We paid OCWEN the final balance owed to them on XXXX. The original loan was with GMAC who sold it to OCWEN. My husband and I are trying to get a loan against our house. The original loan was paid in XXXX XXXX. The second loan was paid on XXXX XXXX. We currently do n't own anything on the house. The only thing keeping the loan from being approved is ... ..OCWEN NEVER sent a lean release to the County, nor did we receive anything from them. I 've called at least 5 times, getting a different answer every time. The most recent, I was told that a copy of a letter stating that the loan had been satisfied would be emailed to me on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, XXXX XXXX Central time I have yet to receive it. The person I contacted today told me it would take 5 to 7 days to get the email. I asked why it took so long and was told that 's how long the process takes. We need to have the remodeling complete by the end of XXXX XXXX in order to sell our house because we will be moving out of state. Is there anything I can do to expedite this process of getting the lean removed?

Company response to consumer: Closed with explanation