BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am an XXXX year old retired person since XXXX & living in the XXXX of XXXX. I am a XXXX XXXX XXXX & a personal XXXX & XXXX client of Capital One since XXXX. I have used Internet to examine my monthly statements and pay my accounts, generall in full, monthly since XXXX - and have a perfect record of payments. 
XXXX, XXXX Capital One denied our entry into our Account Statements claiming we must have a XXXX digit telephone number & in my name, in the XXXX. On file, since XXXX was the telephone number of my son in Washington XXXX. Capital One argued my son 's number was now unacceptable, and ; my XXXX global telephone number was also - unacceptable. I therefore asked to have my statements mailed to me thru my billing address in XXXX, FL. which is also our Mail Forwarding Service. 
XXXX, XXXX it was obvious Capital One would not accept our XXXX XXXX number, which has XXXX digits, nor had they sent my statements by hard-mail. We continued, however, receiving Capital One monthly billing " notices '' by e-mail, though could not access our accounts.. 
Therefore, with XXXX 's monthly billing invoice by internet, on XX/XX/XXXX we paid, by XXXX Messenger all 3 due in XXXX, XXXX accounts in full, as was usual. XXXX has provided receipt for the delivery. Receipt copies provided to Capital One wherein Capital One received the XXXX payments on XX/XX/XXXX, XXXX signed by mail room XXXX XXXX XXXX XXXXXXXX XXXX 
RESULT. Even providing Capital One with all documentation and evidence, still, Iin XXXX, XXXX, Capital One reported late notices with the Credit Reporting Agencies - resulting in a XXXX point reduction in our report. Capital One to Auto-pay from our XXXX Bank full balances of any charges-monthly. 
FURTHER : Capital One still has not provided us either access by internet, nor hard copies of our statements from XXXX, XXXX - to the current writing of this complaint XX/XX/XXXX. 
WE WANT : Internet access to our accounts for accounting purposes, or a minimum of the statements by hard-mail, and ; Capital One correctly report the XXXX, XXXX payments were erroneously reported by Capital One - as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: First Direct Lending, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a FHA Re fiance in process with First Direct Lending. The day before I was suppose to close ( XX/XX/2018) my signing got cancelled. I reached out to First Direct Lending several times via email, phone text. I got no response. The website was down and leaving emails for people to email, the phone recording was telling people to press certain numbers and it transfers you to a voicemail. I found out that First Direct had closed down without notice. Do they not have to finish the loans that had final approval waiting to close? This was all done with no communication with there clients. Its not fair that now customers have to start the refi process all over with another inquiry on there credit reports and providing endless amounts of documents. What can we do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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've been scammed up and down I don't know what's going on they've been going in my accounts opening up all kind of things I've been going in debt please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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 fair credit reporting act XXXX account XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violating my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not finish an account without my written instruction.

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

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already disputed this charge with capital one through CFPB and this was resolved and dropped and not on my credit..I had transferred actual charges to another card and these charges were from Identity theft and fraudulent. You should have a record of this situation years ago. Now I am receiving collection notices from XXXX and have replied through US mail and phone calls. I have spoken to them on the phone and written letters telling them all of these things and to stop calling me and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Receivables Performance Management, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Original Account Number 2. Date the original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

I have no knowledge of this account. Please provide validation that this is my account with a signed contract by myself.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit bureaus are reporting inaccurate information on my credit reports with the XXXX XXXX account. Credit bureaus are not attached letter that I have supplied to be attached to the credit reports.

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 2019-08-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX, I received a bill for {$740.00} from Navient. On XX/XX/2019, I called and expressed my concerns for repaying the student loans. I shared that the monthly payment is way too high for me and I just finished taking graduate classes in XXXX. I expressed that I could only pay {$100.00} a month. Im not making enough money to pay them that much and other expenses. They denied my request for forbearance and they attempted to lower my payment. The lowered payment was around {$500.00}. I shared that I still can not afford that payment. When the bill was due, I paid {$50.00}. The customer service rep told me that wouldnt help and I expressed again that I cant afford the monthly payment. XX/XX/XXXX and XX/XX/XXXX I paid {$50.00}. On XX/XX/XXXX, The company is threatening to report the status of my loans to the consumer reporting agencies on XX/XX/XXXX. I have been paying what I could afford and theyre still asking for the full amount of {$740.00}. Ive talked to multiple representatives and none of them are understanding about my financial situation. I even tried to refinance the loans with the company and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Investigation took more than 30 days

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2020-04-06
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX  Experian XXXX Attorney XXXX XXXX. 
XXXX : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data XXXX verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX ACCT : XXXX XXXX XXXX XXXX} XXXX XXXX XXXX ACCT : XXXX XXXX : XXXX} XXXX ACCT : XXXX XXXX : XXXX  XXXX  ACCT : XXXX XXXX : {$1100.00} XXXX  ACCT : XXXX XXXX : {$670.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX  and Experian, However, XXXX XXXX which is the XXXX that previously leaked millions on Consumers information and was the sole target of XXXX of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 2020

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 2019-08-28
Company: EQUIFAX, INC.
State: WI
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 is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 XXXX XXXX appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, Equifax, removed XXXX XXXX because there was no basis for their claim. I have disputed XXXX XXXX to Equifax 3 times and they keep coming back saying it's legitimately belonging to me. XXXX XXXX is destroying my credit/FICO scores by their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: FL
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. 

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, 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 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 2019-06-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Problem 1. Customer service people dragged me for six months and literally kept passing the call to someone who does not have access to look at my bank statements.

Problem 2. Data Breach Privacy Problem 1. Customer service people dragged me for six months and literally kept passing the call to someone who does not have access to look at my bank statements. 
I spent lot of my times in explaining over the phone to Customer service people and they were just forwarded my call to their colleague saying their supervisor and manger but they are not. 
They dragged me for 6 months, their negligence and poor customer service caused me to undergone severe stress and mental agony. I need a compensation for the time which I spent to recover my money back from Chase. Because of their worst service which dragged me till 6 months to claim my money. 
I want a compensation for my 6 months time which I spent with chase. 

Chase Customer Service is very bad and Data Privacy policies should revisit and their system validation process to correct and enact with privacy guidelines. Process and maintain customer data in secured manner not just share to someone else who doesn't relate to the transaction. 

Problem 2 : Data Privacy breach I XXXX XXXX deposited a XXXX XXXX XXXX Check into my Chase account for realization on XX/XX/2018. That deposited check got returned saying " Duplicate Presentment '' But when I looked at the returned notification letter where there was an attached copy of check which is not the one I submitted for realization. ( That check belongs to someone else not mine ) Check number, Date are identical. Only the amount {$400.00} and first 5 letter of first name is similar but not the last name. 
My concern and worry about my data might have shared with someone like I received of somebody else check and details. It's a Customer Data Privacy policy breach because of their negligence of their processing systems fail to comply with privacy policies and mainly their customer service caused me to undergo lot of stress due course. 

I can provide more details if needed with all documents. Please feel free to reach me at XXXX XXXX XXXX and my email Address. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Upstart Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  notified me of its credit bureau data breach where an unauthorized user accessed the names, addresses, social security numbers, date of birth and other personally identifiable information of XXXX XXXX XXXX customers stored on the XXXX  server. As a XXXX client for over 10+ years, I was directly affected by this breach and had to file a FTC ID Theft report. After reviewing my XXXX  credit report, I noticed an unauthorized loan from Upstart Network , Inc . I do not recall making such a loan transaction or authorizing a loan application to be executed in my name during the questionable period. UpStart Network previously removed the disputed account from my XXXX  credit report, only to have the trade line reinserted back into my credit report in violation of the FCRA. Further, UpStart Network has not provided me with any valid documentation to verify the applicant source or copies of the executed loan documents. This unverifiable information continues to report on my XXXX  credit report in violation of the FCRA even after the XXXX  data breach and my filing of the FTC ID Theft report highlighting my victimization from the data breach.

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