BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 number XXXX, XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX Account number 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 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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau c/o Case Manager XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : The purpose of this letter to request a claim be opened against Capital One over unethical business practices and business errors made by their Fraud Department in XXXX. Please find the details below. 

In XXXX and XXXX of XXXX, my Capital One Venture card account ending in XXXX experienced several fraudulent transactions included unauthorized purchases and payments resulting in several thousand dollars of fraud. As per the terms of service provided by Capital One, I contacted the fraud department in XXXX of XXXX to report the fraudulent activity. The representative from Capital One went line by line through my transaction history to verify which purchases were mine and which were fraudulent. After verifying this information, I informed the representative that all other transactions were fraudulent. The account was credited, and I acquired a final payoff balance in XX/XX/XXXX where the account was then closed. 

Beginning in XX/XX/XXXX, I started receiving mail and phone calls from Capital One informing me that I owed {$5600.00} due to returned payments on the closed account. In several telephone conversations, I informed that I would not pay for fraudulent transactions on the account and had reported all such transactions the previous year. The representatives, and account manager, informed me that I was responsible for the balance as the payment from the previous year was returned. My question to them was, if they had done the appropriate fraud investigation on all fraudulent transactions as I reported, how could they come back almost a year later and tell me I owed such a balance? I told them that since their fraud department failed to do its duty and responsibility to conduct a thorough investigation, they would need to either absorb the balance or re-open the fraud case and pursue the individual responsible. They continue to harass me with mail and phone calls about this balance. 

I am asking that the Consumer Financial Protection Bureau step in, open a claim against Capital One for their unethical business practices and poor business practices, and clear my closed account of the balance and subsequent record on my credit report. If you have questions or need further clarification, please contact me at XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
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: Personal information incorrect

Complaint:
I know at least one credit reporting service, Equifax has an improper previous address for my personal information.I contacted them maybe a year ago and asked for it to be corrected. It had created a problem at the Social Security log in page.I answered a question correctly but got locked out from site because of the error. The problem is my address box number has always been XXXX but somewhere it was inputted as XXXX which makes it appear that I lived in a previous location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
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 bought my leased vehicle from XXXX XXXX in XX/XX/2022. They sent me the title in XX/XX/2022 with the wrong mileage written on the back. They more than doubled the mileage that was on the car and what was written on the odometer disclosure statement originally submitted to them with the car payoff. I immediately contacted them to make them aware that they wrote the wrong mileage and they were supposed to send me a notarized affidavit of correction and a notarized NJ XXXX odometer disclosure statement so I can title and register the car in my name as required by NJ XXXX. They sent me XXXX XXXX, again with the wrong mileage! I have spoken to numerous agents and supervisors. No one seems to know what they are doing. I have spent over XXXX hours on the phone fighting with them for what is rightfully mine since XXXX!! I have a new car loan with Bank XXXX XXXX and they are hounding me for the title since they are the lienholder. I have a car sitting here that I paid for that I can't register in my name and the current registration is expiring at the end of the year. This is unacceptable from a huge corporation. I never expected this to be such a hassle. There are hundreds of complaints against them on the Internet for titling issues.

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 2022-12-16
Company: EQUIFAX, INC.
State: NC
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 letters to XXXX and Equifax on XX/XX/2022 regarding unauthorized inquiries and they have not removed them. XXXX disregarded my letters because they thought a third party was sending letters out when it was me who wrote and sent my letters out. Equifax removed a few inquiries but did not remove all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX Date Updated :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 2021-09-02
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I demanded a debt Validation with the third party debt collection agency XXXX XXXX Which I received thanks to consumer financial protection bureau. Upon review of the the paperwork I received, it shows the wrong balance because GAP paid the financing company and the financing company did not report the payment to the third party debt collector.

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 2021-12-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a collection account that is reporting on my credit report from XXXX XXXX I have paid this collection and in turn received a letter from XXXX confirming that they will indeed request the credit bureaus to delete this account. This occurred on XX/XX/XXXX, however, as of XX/XX/2021, the derogatory account still remains on my credit report despite written confirmation from XXXX that it would indeed be deleted and that a request has been sent for deletion as well. I have attached the letter from XXXX below.

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 2020-07-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
See complaint XXXX, HSBC is stating they never sold this debt to a collections company, if that is true then this collections company is committing fraud to attempt to collect a debt discharged in bankruptcy. HIGHLY ILLEGAL. I have already had my lawyer send a cease and desist letter, however this is extremely concerning and appears highly illegal. Your job is to protect the American public, please do so and find out what is going on here. What I think happened is the collections co went into PACER, pulled some information, and tried to scam me or HSBC is overtly lying on the accompanying CFPB complaint response. This collections co has an interesting reputation online too, called a scam multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: PA
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 have tried to open a different dispute with XXXX for the same creditor but it is marked as a duplicate dispute. However, I have additional supporting documents that I received from the creditor to further support my dispute and since I have paid the account in full and settled. XXXXXXXX XXXX has acknowledged that they sold my debt and that all payments should be made to XXXXXXXX XXXX XXXXXXXX XXXX offered me a settlement amount of {$980.00} to be paid and the debt would be considered paid in full and resolved. XXXX XXXX has to honor that. XXXX, XXXX XXXX and Equifax is reporting this debt on my credit report as a revolving balance of {$2400.00}. However this is not a revolving balance, this was a charge off, the balance should be listed as XXXX because it was paid in full. I have attached supporting document to show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2020 I received an alert on my phone from the My Fico app informing me that a collection has been added to my XXXX  and XXXX  account from Progressive Management Systems. I never got a phone call or documentation in the mail from this collection Agency. I mailed them a certified letter on XX/XX/2020 advising them that I never received a phone call or any documentation from them regarding this alleged debt. It has been well over 30 days and I still have not gotten a response from them. The debt was removed from my XXXX  credit report but the debt is still listed on my XXXX. The debt was paid to the original creditor and I was told by them that they could see that Progressive Management did in fact not attempt to notify me of this allege debt and that they would request them to remove this collection off my report because the debt has been paid in full. Progressive Management does not have the right to report allege debt without notifying the person they claim has this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/2022 I applied for home equity sharing with Unison. I provided all the documents requested. for more than 3 weeks I waited for the next step which was getting the appraisal done. On XX/XX/2022 I was informed by the file processor that the title was clear and I can get my own appraisal as the company facing some delays. On XX/XX/2022 I provided the appraisal to the company after paying {$450.00} so the application can move forward. On XX/XX/2022 the company rep informed me that the analyst feels the appraisal over estimated the house and the company wants to do its own appraisal. After a discussion with a supervisor to understand why would we need a 2nd appraisal, the company went ahead and ordered their own appraisal this time. When their own appraisal came back with almost same value like the one I did, the rep emailed me on XX/XX/2022 to advise that their analysts still feel the value was high and they couldn't move forward with the application. This was a misleading experience that wasted time and money for me. This company should be held accountable for the way they conduct business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: IN
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 XXXX15 U.S.C 1681 se
ction 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 explanation
Consumer complaint received 2018-12-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are several accounts reporting through this company which are unknown, I have no records of and never have been contacted. Please assist Commonwealth Fin {$910.00} Commonwealth Fin {$920.00} Commonwealth Fin {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A balance of {$13000.00} is reporting on my TransUnion bureau. The creditor 13 XXXX XXXX XXXX XXXX is expecting me to pay an outstanding amount when the account is at an upmost max of {$10000.00}. The account is 2 years 9 months old. Has been affecting my credit score for years. After multiple attempts of disputing this specific account with the credit bureaus, I have been unsuccessful and is affecting my score and chance of my approval odds to get a loan.

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 2022-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Bank of America continues to cancel my wire transfers when I have the funds available for transfer the receiving institution verifies the funds then bank of america cancels the transaction this has happened repeadately in the past 27 days when I try to get resolution through the bank all I get is the run around from this dept to that dept all the time my money is stuck in the account and I can not access it. I can not get them to mail me a check they just tap dance around and pass me off for hours on the phone

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 2022-05-14
Company: EQUIFAX, INC.
State: NY
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:
unauthorized hard inquiries on my credit report listed need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Uplift, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, UPLIFT INC, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Strategic Alliances, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
See complaint XXXX, XXXX is stating they never sold this debt to a collections company, if that is true then this collections company is committing fraud to attempt to collect a debt discharged in bankruptcy. HIGHLY ILLEGAL. I have already had my lawyer send a cease and desist letter, however this is extremely concerning and appears highly illegal. Your job is to protect the American public, please do so and find out what is going on here. What I think happened is the collections co went into PACER, pulled some information, and tried to scam me or XXXX is overtly lying on the accompanying CFPB complaint response. This collections co has an interesting reputation online too, called a scam multiple times.

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