BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
In XX/XX/XXXX we rented a place to stay in XXXX AZ via XXXX for XX/XX/XXXX. At that time we paid the full amount of {$3300.00}. On XX/XX/XXXX, XXXX notified us via email that the reservation was cancelled as the owner had sold the property. Per the rental cancellation agreement we were to receive XXXX  % reimbursement because the cancellation was before XX/XX/XXXX. However, no reimbursement showed up on my XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Capitol One. In several calls I spent hours on the phone with them. I also sent two letters of explanation and copies of relevant documents. I explained that the owner/host would not communicate with us, nor was XXXX. Now XXXX XXXX has told me via a letter of XX/XX/XXXX that since I did not file the dispute within 60 days, they will not give me a refund. It was 61 days after the cancellation but it took time for statements to reach me. Again, this is for a rental next XXXX! We will receive nothing for our money and this business model is most unfair to consumers. I would be happy to provide all the documents and or answer any questions. Lastly, I have no vision in my right eye and do not see all that well with my right. eye in some situations Thus, it can be challenging to follow light gray or small print. 
There is more to this case such as XXXX changed from XXXX XXXX  to XXXX XXXX to manage their credit cards. There was some non-related fraud on the XXXX XXXX  account which was successfully resolved but raised questions about this transaction. I tried to call instead of writing all of this down but could not get through. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX CREDIT INQUIRY CAP ONE NA on XX/XX/2023 A charge card account was actually approved by the XXXX  ( XXXX XXXX XXXX XXXX  ) on XX/XX/2023, and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted XXXX to request the account be cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Chime Financial Inc
State: GA
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:
My information was fraudulently obtained to open an account with Chime. I received a XXXX XXXX card with an issued account number and routing number as well. I contacted the card company and my email address and phone number did not match the ones that were provided when the card was apparently applied for. The situation is being investigated by their fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On the beginning of the month of XXXX person called me to told I Iwas envol on a XXXX account and they where going charge me for XXXX thousands dollar 's What happened that the person on the phone tell me to go out and star buying gifts cards so i ended wasting XXXX thousands dollars on different stores and after the credit cards don't allow me to spend more money i ended going to the bank and withdraw XXXX thousands dollar 's more he promise me that he will put the money in saved account. 
My wife toll me not to due no more and we when to the and tell the manager what happened so we close all the accounts and credit card but we do not know that was XXXX was taken money from the other bank that we using to pay for the mortgage he took all the money from the other bank to XXXX XXXX XXXXXXXX AND XXXX XXXX THAT MY HISTORY SO I WAS A STUPID ALL ALL THIS TIME. 
.MY NAME IS XXXX AND MY WIFE 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 2022-03-28
Company: ProCollect, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My former apartment ( XXXX ) management falsely claims I owe rent from XX/XX/2021 ; however my lease ended XX/XX/2021. I have provided proof of my signed lease and email exchanges of the lease end date with XXXX. Furthermore, XXXX claims they sent notices to me about this, but I did not receive anything from them. Procollect, the debt collection agency, will not resolve this issue and they have been rude, uncommunicative and when they first contacted me, did not make clear what this matter was about simply saying it was an urgent business matter. Folks I have spoken with there have been unprofessional and taken a tone with me. No one will actually review my case in a serious way, and if they would, they would drop this false debt claim immediately. I have been trying to resolve this issue over the past 2 months to no avail. This is a grave miscarriage of justice.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: CA
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2022-11-08
Company: EQUIFAX, 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:
Following the repossession, the creditor still has to follow a set of guidelines for the rest of the process. 

If the consumer left personal items inside of the vehicle, the creditor should give them notice of where the vehicle is and how they can reclaim these items. A creditor is not allowed to sell an individuals personal goods but they are allowed to keep or sell any enhancements that are made to a vehicle, such as an installed stereo system. 

The creditor can either choose to keep the vehicle as full payment of the consumers balance or they can choose to sell it. In the case that the creditor chooses to keep the vehicle, the consumer can demand that a sale occurs instead. At least 10 days before the date of the sale, the creditor has to provide the consumer with a notice that includes information on the time and place of the sale, as well as the unpaid balance on their loan plus any interest or reasonable fees collected by the creditor. If the consumer is able to pay off this full amount at any time before the sale occurs, they will be able to redeem their vehicle. After paying the debt, they will also no longer be in default and they will be able to return to having the rights of the original loan agreement that they had pre-default. 

The sale of the vehicle has to be carried out in a commercially reasonable way. The selling price of the vehicle should be comparable to that of its average market value and if it is not, the creditor could be held liable for unlawful conduct. After the vehicle has been sold, the creditor should send the consumer a letter that tells them the amount that the vehicle sold for, how the proceeds were applied to their balance and any amount of remaining debt that the consumer may still owe. If the money collected from the sale is greater than the amount of their balance, the creditor has to return the excess amount of funds to the consumer. If the sale was not enough to cover the total debt, the consumer could be held liable for paying the remaining amount, also known as the deficiency balance. However, in Florida, if the outstanding balance at the time of the default was less than {$2000.00}, the creditor can not ask the consumer to pay the deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights. 

certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: ProCollect, Inc.
State: AR
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:
I disputed an account on my XXXX  report called Pro Collect. I have filed identity theft and submitted this account to the federal trade commission yet this company still attempts to collect from me and will not come off my credit report. The original creditor Is XXXX  XXXX  XXXX XXXX XXXX. I have no idea what that is

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 2022-03-28
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: Account status incorrect

Complaint:
On XX/XX/XXXX University XXXX XXXX of XXXX XXXX XXXX XXXX, WI XXXX reported that I had a charge off/delinquent loan from XXXX. That information is both inaccurate and far beyond any statute of limitations for collections and far beyond the lawful credit reporting limit. At no time in the last 20 years has any lender or company complained about this supposed debt or tried to collect it.

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 2021-03-31
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Midland Funding. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ally Financial has contacted family, friends, and co/workers sharing personal information in regards to personal business. 
Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. Has neglected to correct my personal information. Ally Financial has contacted family, friends, and co/workers sharing personal information in regards to personal business.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX XXXX UNVERIFIED ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: MN
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 wit the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CA
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, DEPT OF EDUCATIONXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT OF EDXXXX 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 an 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 or 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 explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: WI
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 never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Date : XX/XX/2021

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to FCRA 15 U.S. Code 1681s2, as a furnisher of information to consumer reporting agencies, you have a duty to provide notice of dispute if a consumer challenges the completeness or accuracy of any information you furnish. However, I have disputed these inaccurate items with you over 35 days ago, and you have failed to notate it as disputed. This has caused significant harm, as I have missed out on offers due to the reporting of this inaccurate item without the proper notation of the dispute, which is a violation of the law under FCRA 15 U.S. Code 1681s2 ( 3 ).

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 2023-02-17
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: Was not notified of investigation status or results

Complaint:
I sent a request for validation to XXXX XXXX XXXX # XXXX for the they claim I owe them, they received my initial letter on XX/XX/2023. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review. 

You have NOT provided 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.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of the Fair Credit Reporting Act is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period

Company response to consumer: Closed with explanation