BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This has sconed complaint against XXXX and capital one to removed unauthorized hard inquires this a copy of letter i will attachment XX/XX/XXXX Capital One Case : XXXX CFPB Case : XXXX Dear XXXX XXXX, Im reaching out to you about the concern you submitted to the Consumer Financial Protection Bureau XXXX CFPB XXXX, regarding hard inquiries you said are showing on your credit file. 
On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( CRAs ), asking them to remove the hard inquiries dated XX/XX/XXXX, and XX/XX/XXXX. The CRAs will determine how this is reflected in your credit file. If theyre unable to remove the inquiry completely, they XXXX change it to a soft inquiry. Soft inquiries do not have any impact on your XXXX XXXX. It XXXX take the agencies up to 60 days to update their records. 
You also mentioned in your correspondence that there was an inquiry from XXXX XXXX Bank on your credit file that you did not authorize. Please reach out to them directly regarding that matter. 
Furthermore, you stated you have contacted the CRAs to report your concerns about identify theft. I am glad you have taken that step. For more information regarding identity theft protection, please visit our website at www.capitalone.com/financial-education/identity-fraud. 
If you have questions or concerns about this account, please call us at XXXX. Our Customer Service XXXX are available XXXX hours a day, 7 days a week. 
Sincerely, XXXX XXXX, on behalf of Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00}

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 2022-04-01
Company: EQUIFAX, INC.
State: MI
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 XXXX Account # XXXX, XXXX XXXX  Account # XXXX on XXXX and account # XXXX on XXXX ( different account numbers ), XXXX XXXX Account # XXXX, XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX is a new feature offered by Huntington Bank and I am eligible for this account. My account was opened in Michigan on XX/XX/2019. I always maintain a positive balance and even have $ XXXX in savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Volvo Car Financial Services U.S., LLC
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: Problem with personal statement of dispute

Complaint:
I had an existing lease with Volvo that was financed through Volvo Car Financial Services. Before the lease was up I was repeatedly contacted to turn the car in early to participate in a " XXXX XXXX XXXX '' where I would be bought out of the lease and get a new Volvo to lease. As part of that program, it was sold to me that it did not matter what damage there was to the vehicle or if we were over the miles. In XX/XX/XXXX we opted into that program and turned in a XXXX Volvo and leased a XXXX Volvo. I left the XXXX at the dealership and left in the XXXX. I was told we were all set and there was nothing left to do with the XXXX Volvo. Subsequently, I was contacted by Volvo Car Financial Services and told that I owned them {$160.00} for a scratch on the car. I told them that I participated in their Pull Ahead Program and that I was advised we were not responsible for that damage. They told me to discuss it with the dealer, so I did and was again told the same thing ; that I was not responsible for the {$160.00}, so we didn't pay it. I even have a letter from them attesting to this. Fast forward to XX/XX/XXXX and all of a sudden my credit score drops 120 points because Volvo Car Financial Services " Charged off '' the expense maintaining that it was bad debt I owed and they could not collect. I have spoken numerous times to the dealer and Volvo Car Financial Services and they just point the finger at the other party saying that its their fault. Meanwhile, I am left in the middle with a reduced credit score and getting turned down for loans to refinance my house, etc. I have disputed this reporting for over 3 months now and written various letters. I keep getting the same answer from Volvo Car Financial Services that " I got a raw deal '' but they won't change the reporting even though their dealer told me I was not to pay a debt because of their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: U.S. BANCORP
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2018-05-04
Company: The Law Offices of Gerald E Moore & Associates, PC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I broke my lease with XXXX XXXX early so I could move in with my now husband. The lady in charge advised me I would only need to make a payment of {$1300.00} and it would be paid in full. I got out cash and money order from my bank ( which I have copies of ), handed the money order directly to the lady in charge and turned in my key. I provided her with with my new address, phone number, email, etc. to follow up because they still needed to do an inspection. There was no damage done to my apartment as I barely stayed there. I never received any kind of correspondence, no email, no call, etc. It wasnt until I was checking my credit report I noticed a collection agency reported that I owed {$1700.00}. I call them, they say I never paid for the lease break, and also never provided the apartment complex with a follow up address to reach me. THAT WAS REQUIRED on the paperwork I filled out to break my lease! I dont know where they are getting that I owe this money from. Im to the point now I want this off of my credit report. Everytime I have tried to call representatives are rude and sound like they have no proper training on how to speak on the phones. I myself, work in collections so I know how this goes and Im not rude to those willing to pay on something they ( dont even ) owe. I called today to see if I can try to work out something to pay this off, of course I dont have the full funds to make a full payment this month of XXXX, but am willing to pay something this month on it. The guy was very rude, unprofessional, and told me they would just call me back on Monday? At this point I am over it, I have the documents showing I paid this off in full, I am done messing with these people because they are not willing to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with Equifax today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I sent a request to XXXX/Transunion/XXXX  to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on 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 2020-05-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
A brief history : * We closed out our loan with PHH Mortgage on XX/XX/2020. 
* We waited the 30 days or so for the escrow check to be processed. 
*First call to check on check status in early XXXX, told it was in the mail as of XX/XX/XXXX ; was asked by agent to please wait a few more days. I waited ~5 days, but did not receive check **Meanwhile, I did receive several other pieces of mail from PHH dated later than XX/XX/XXXX ( e.g. final escrow analysis ). Find out in later conversations that the escrow department has been sending checks to my street address but in XXXX XXXX not XXXX XXXX where I live. 
*I called again the next week XX/XX/XXXX, this time the call escalated to Mr. XXXX . He  said they would send a check. A XXXX arrived the XX/XX/XXXX with a check!! I then deposited that check only to find out a few days later that the funds were rejected by the PHH 's  bank, since the check I was sent had a stop payment placed on it. 
**My bank charged me {$12.00} returned item chargeback fee for the trouble *I call back again, XX/XX/XXXX to XXXX. Find out that PHH cut another check XX/XX/XXXX and then sent that check to my street address, but again XXXX XXXX, and they " will escalate '', with no promise on timeline Called yesterday XX/XX/XXXX for a status update, nothing back Called again today, XX/XX/XXXX for status update, again no progress

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NJ
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 have inquiries I dont recognize on my report such as Experian Business credit date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX on Experian On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THEY CALL ME EVERY DAY!!!! all hours, constant empty voicemails! I have never been to the state they are located in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: FC HoldCo LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On Saturday XX/XX/XXXX around XXXX I walked into the Bank of America Branch on XXXX XXXX XXXX XXXX XXXX XXXX NJ. 

I indicated to the teller that I wanted to take the remaining balance from the account ( around {$1200.00} at the time ) and take it as cash or transfer to my bank account at another bank. 

The teller first indicated that the card was " just a card and not an account '' and as such she pointed me to the ATM complete my transaction. Due to daily ATM transaction limits and uncertainty of the safety of carrying around a large amount of {$20.00} bills from the ATM, I said I wanted to complete the transaction in the Bank. The teller went on to say that she did not think such a large amount should be paid out to " someone who is not a customer '' even after I provided my State ID as proof of my identification and would not complete the transaction. She then said there was an issue with the network that would allow the transaction. I do not believe there was a network issue. I believe this teller was unwilling to complete my transaction. Further, I demanded to speak to a supervisor who turns out was even more uncaring and told me to go to the ATM if the teller told him to.

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 2020-05-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Everytime I file a dispute with Equifax they send me the attached letter l. Saying they can't locate my file to keep from investigating my dispute so I'm attaching the letter they sent me along with a page from my tax return with my Social and a check stub if Equifax persists in breaking the law I will be forced to file a complaint in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: KY
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance XXXX : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: AFNI INC.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AFNI has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Firstsource Business Process Services, LLC
State: AZ
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:
The account and information listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts to be taken out, nor do they relate from any transaction by me. 

The company is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Further, I am demanding that this and any account with your company that is attached to my name be deleted from your records and closed for good.

Thank you for your help in protecting my federally protected consumer rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: Credit inquiries on your report that you don't recognize

Complaint:
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.

Company response to consumer: Closed with explanation