BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. 

XXXX XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Capital One Bank ( USA ) N.A. I have not received any goods or services from XXXX XXXX XXXX XXXX and I do not know how XXXX XXXX XXXX XXXX received my private information. 

XXXX XXXX XXXX XXXX previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to XXXX XXXX XXXX XXXX  failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from XXXX XXXX XXXX XXXX. I am being harassed. 

As of XX/XX/2022, XXXX XXXX XXXX XXXX will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of another company at the expense of my private information being on display to whomever. 

I am not a party to any agreements that XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( USA ) N.A. I am not responsible for XXXX XXXX XXXXXXXX XXXX purchase / transfer from Capital One Bank ( USA ) N.A I have not agreed to pay/tender anything to Portfolio XXXX XXXX XXXX XXXX 

I have contacted Capital One Bank ( USA ) N.A in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to XXXX XXXX XXXX XXXX. At this time, I demand no further contact from any associate or authorized representative of XXXX XXXX XXXX XXXX. 

My credit files are not to be reported to or damaged in regards to this matter as XXXX XXXX XXXX XXXX, are not Holders In Due Course with contractual agreements to support goods or services provided to me. 
All calls are recorded for my safety Please be advised that XXXX XXXX XXXX XXXX, are not Holders in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Date of activity : XX/XX/2019 Merchant : XXXX XXXX XXXX XXXX Original dispute filed : XX/XX/2019 Claims Dept : Chase Bank Case # XXXX My wife and I brought our family to XXXX XXXX for a day of excitement and fun but unfortunately services were never rendered due to severe weather which was totally unexpected. We requested rain checks from the merchant but they stated that they do not offer any type of rain checks or refunds for that matter. As a result, we are disputing the sum total of {$210.00} that was charged to us. 
We have been to this theme park several times and this have never been a problem. We request that this situation be resolved in all fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-03-29
Company: Experian Information Solutions Inc.
State: TX
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 following inquiry needs to be removed immediately:

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX Date: XXXX XXXX XXXX  
Creditor Name: XXXX XXXX XXXX Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX Date: XXXX XXXX XXXX  
Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX  
Creditor Name:  XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX


Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name:XXXX XXXX  
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX 
Amount : XXXX

Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX XXXX XXXX
Account name : XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX
Account name :XXXX XXXX XXXX XXXX  Account : XXXX
Amount : XXXX  
Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX
Account name :XXXX XXXX XXXX  Account : XXXX
Amount : 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 2018-05-10
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Our completely legitmate company followed all correct procedures to open am institutional account with Coinbase. 
They rejected our application. During the review we transfered XXXX XXXX into the account as there is no reason that we expected to be denied. 
Since then they have refused to send the funds back to the XXXX address from which they were originally sent with no timeline for resolution. 
We hve submitted support tickets, called over 20 times, been hung up on, spoken to managers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, Exquifax and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX, XXXX and TransUnion sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, XXXX reports that on XX/XX/XXXX XXXX/XXXX  and then on XX/XX/XXXX XXXX/XXXX/XXXX  made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
Kia Motor Finance has been reporting to all 3 bureaus, XXXX, XXXX and XXXX, that my account has been past due, with missed payments for over 2 years. KMF is also reporting differently through each bureau. This is an error is KMF system, as my payment history will show that I have been faithfully making my car payments.

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 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Hello, I am writing to contest a massive downgrading of my credit score. In XX/XX/2021, was offered a Capital One Cabela 's club during my time of purchase at a Cabela 's store. I took the offer, gave Cabela 's my contact info, and paid for my goods totalling {$880.00}. Long story short, I did not receive any notices or bills at my house for three months, until at which point I realized my credit score had sufferred a huge downgrade from XXXX to XXXX. I immediately called Capital One after talking to my mortgage broker and explanied to them the situation. I paid the card balance in full and then closed by account. 

If you look at my credit score and credit history, I have been between XXXX and XXXX for a very long time. I currently have, and have had, four major credit cards, all of which are paid down to {$0.00} on a regular basis. I spend over {$200000.00} annually on all four of my current credit cards, and I have never been late to pay any of these cards. One is XXXX XXXX and three are Visa. 

As a result of my credit downgrade, I have suffered legitimate hardship in trying to secure a recent home loan, refinance my house, get a new car for my fiancee and other issues. Please review my credit history and please expunge this one time late payment oversight so I may continue to have the XXXXredit score I deserve and one I have worked very hard to attain. It simply does not make any sense that out of the $ XXXX I spend on credit each year, and that I also pay down each card very quickly, that a {$800.00} late payment should crush my credit score. It was simply an error. 

Thank you very much, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: V and H Portfolio
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX  put a collection account on my credit. I disputed with them they refused to answer my letter or calls regarding why they were collecting. It was sold to another collection agency who i disputed the debt with them and they removed their file from my credit report. 6 weeks later u got a call from vance and Huffman a new collection agency representing the original debt with XXXX XXXX XXXX. I bought a car in XXXX in XXXX inwas in a car wreck and insurance and the gap insurance paid the debt off. The car company went out of bisiness shortly after. The car co pany sold its loans to two different companies. The missouri locations were bought by XXXX XXXX XXXX. I bought my car from the ks location, and XXXX XXXX XXXX still holds the original rights to my original contract. They are not persuing collection and they note that my account is paid in full. They will not privide me anything in writing because they were nit the original owners of the car contract and contract was under XXXX XXXX XXXX or XXXX XXXX. XXXX XXXX does not own or hold rights to collect on a car that was paid in full. The origi al creditor diesnt even exaist any more and XXXX XXXX XXXX nor the current collectio. Company will stop collecting because they told me i habe to prove to them i dont owe the debt. I dint have anything else on that car anymore as it was 3 years ago. I asked all collection companies for a copy if the origi al contract and theur rights to collect on my original contract and no one has provided me that. They have affected my credit acore in the middle of a home biying oricess and caused me to loose the home of my dreams. I am now back i. The process again searching for a new home and it has hit my credit score yet again. This time the lender is willing ti work with me because they see the item is disputed with all credit agencies. But it still affects my score and my ability to get a better rate. Ive spent 3 minths disputting the information with all agencies and niw 3 times over for 3 collection companies.

It is illegal what they are dli g i donot owe any money to them nor XXXX XXXX  but yet they keep trying ti sell the debt to negatively affect my xredit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: PA
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 Account number XXXX, XXXX  XXXX Account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX 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 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 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 2017-12-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX It was the fifth time I tried to solve american express XXXX XXXX XXXX XXXX problem and got denied. Currently American express owned me more than XXXX points. ( Base+Bonus ) There is an enquiry opening but there is no result. XXXX can not follow their policy give me the points that I spent and use on the card. XXXX only eager taking the year fee without giving me services. 


The last time supervisor I talk to XXXX at XXXX XXXX central time. Still they only give me trouble without help me. Not even able to give me the base points ahead. 

I got a answer only to wait, any potential solution has been denied.It is shame to pay around {$100.00} member fee for nearly nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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: Investigation took more than 30 days

Complaint:
n accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( 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 any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) 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 2021-09-08
Company: AMERICAN HONDA FINANCE CORP
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased the vehicle from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. By XXXX I had not received anything in the mail about the lease so I called Honda finance. They said they had no record of me leasing a vehicle & referred me to the dealership. I went in & the dealership apologized stating it can take at least 30 days for them to process the paperwork. They redid my lease to waive part of the fee on a care package for my I convince & had me make my 2nd payment there that day to assure me it wouldnt be late. Now I finally get a letter from Honda finance & they are stating I am past due & have charged me a fee for late payment. I called Honda on XX/XX/XXXX & they said they never received the payment from the dealership & there is nothing they can do & referred me back to the dealership. I am now back at the dealership today on XXXX which is the first chance I could take off from work. It is still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Per my contract I am asserting my rights as the debtor. 

1. The finance charge of the consumer credit transaction is the sum of all charges. 
2. The debt was paid full at the time the instrument ( promissory note ) was signed by I, the consumer and authorized representative. 
3.The Authorization to charge credit card for payment of membership ( not a loan ) financing and/or payment of maintenance fee is an invalid contract, one autograph is not a valid execution of a valid contract and the By line at the bottom is missing a signature.It must have an autograph from the consumer/debtor and the creditor. 
4. The promissory note for this consumer credit transaction is null and void ab initio as it has no wet ink autographs on the signature line from the debtors and there. 
5. The downpayment is a violation of TILA and the downpayment should have satisfied the contract in full.

6. The Preliminary Credit Rating Request Form was only to obtain any legally attainable credit information. It didn't give the creditor the right to share my private information with anyone. That is a violation of the privacy act.

7. If this is a debt, all debt are obligations of the United States.

8. Any contract that uses Federal Reserve Notes for payment becomes colorable because Federal Reserve Notes are colorable negotiable instruments and therefore the contract becomes colorable.

9. Please show I, the consumer and debtor and authorized representative for the person, where through forensic accounting, I was " loaned '' something by the creditor, that the creditor had to give away.

10. The Vacation Membership purchase agreement CP16276 is void ab initio as well, no signature from the creditor on second page 11. Purchase Agreement Exhibit A, B, C is void, no wet ink signature from the creditor.

12. Exhibit D Regular is void ab initio for lack of wet ink signature from the creditor.

13. I am giving Monterey Collection Services one more chance to apply the remedy or see 15 U.S.C 1611 and 1692k for civil liability.

See Points of Authority and Definitions in attached document

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief