BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XXXX XXXX XXXX, XXXX has been harrassing my husband, brother in law, and my mother. They claim they need to get in touch with me, yet don't have my number, but say they have personal information on me. I have never been contacted by mail from them. My family has asked them numerous times to leave them alone. They call using different numbers and area codes. XXXX XXXX claims that Capital One is taking me to court over unpaid debt that was discharged in a bankruptcy in 2003. I have never been contacted by Capital One themselves. I also have a current Capital One card that I use and payoff every month. I have never received a notice stating any amount unpaid. XXXX XXXX is rude, hangs up on myself and family members. They refuse to disclose their address to me. I have spoken with XXXX XXXX, XXXX, XXXX, and XXXX. The last three names refuse to give me their last name when I talk to them. I am tired of them harrassing my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Medical Data Systems, 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: Information belongs to someone else

Complaint:
On XX/XX/2021, Medical Revenue Services added a collection to my XXXX credit report a derogatory mark per my XXXX. Upon further research, this account was transferred/sold and I am longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contact, or signature for this debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Medical revenue services have violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2020-04-24
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2022-04-26
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX PNC mortgage called XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX, saying he miss the XX/XX/XXXX payment and XXXX XXXX had his receipt in his hand he told them the payment was made ... XXXX XXXX Rebbecca XXXX XXXX PNC mortgage XXXXXXXX said Mr XXXX has not made a payment for XX/XX/XXXX... And his daughter handles Mr XXXX XXXX said in XXXX of XXXX she made 2 payments and made 2 payment in the month of XX/XX/XXXX and Mr XXXX XXXX XXXX has his reciept .... So then we ask XXXX XXXX XXXX of PNC Why are they bothing an XXXX XXXX XXXX man about his payment and he has his reciepts stating each month they said he didn '' t pay ..Now we have papers or letters stating forecloser please help Mr XXXX XXXX solve this matter so the bank can '' t take his house My number is XXXX XXXX my name is XXXX XXXX XXXX XXXX daughter My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX checks were issued by Bank of America seem to be stolen with my name deposited into my account signatures are forged

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 2022-04-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXt # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. DEPTEDXXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: ID Analytics, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested my credit report from Sagestream LLC on XX/XX/XXXX, through the company 's online request form. After submitting the form, I received a confirmation message stating that I would receive my credit report by USPS first class mail. I never received the report. 

I submitted another form on XX/XX/XXXX and received the same confirmation message. I have not received the report. 

This is my second complaint against the company. I tried to contact the company several times by phone and once by mail prior to my first complaint. The company 's response to my first complaint was to suggest I complete an application on their web site. I have done this twice and still have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX XXXX I was involved in a car accident ( I was rear-ended by a men whom provided the wrong personal information ) therefore I was obligated to file a claim against my insurance company. My company paid the car off to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX. XXXX the amount that was paid in full {$8800.00} Check # XXXX XXXX Insurance company kept the wrecked car ). Unfortunately I did n't have gap insurance therefore the was a balance little over $ XXXX at that time they were demanding the payment in full which I did n't have. I was not familiar with the process and requested payment arrangements however I never heard back from them. Now they are misreporting to the credit bureau showing as a repo with a higher balance $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from X/XX/17. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  credit report. The inquiry date is X/XX/17. I would like this inquiry removed immediately as I did not authorize 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 explanation
Consumer complaint received 2022-04-26
Company: Atlanticus Services Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fortiva Retail Credit has placed a collection debt on my credit report for what seems to be a home security system for an address I've never lived at nor been to. It is completely fraudulent. I have sent certified letters disputing the collection, as the address is completely foreign to me. Upon recent of my letter, a Fortiva representative spoke with me regarding my concerns. The representative stated that the address listed for the home security system was not known or associated with me, ever, nor was it on my credit report. The representative further deceitfully asked me for my address to verify that the account and address on file was not mine. Upon giving the representative my address, she then, unbeknownst to me, updated the account information to reflect MY address and mailed the collection papers to my house. Now the bill has my name and address on it to further their illegal and deceitful attempts to collect a debt for a home system I have never been to, owned, or been associated with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I live in XXXX XXXX Florida where we got hit second hardest by hurricane Irma. I sustained damages to my home and I'am not able to meet my insurance claim deductible so I went to my bank to get a loan. When the bank pulled my credit report it showed I had a tremendous amount of debt around 80,000. My total amount of debt should have been no more than {$300.00} as I own my home and car. On XX/XX/XXXX I went to Experian.com and was told my report was showing that another person ( s ) was on my report so they led me to a gentleman by the name of XXXX in the Mixed Specialist Dept. He  asked me some questions and when he was finished he said my report would be fixed within three days. I then notified my bank and gave them the new information. I recieved a call from my bank after the three days and they told me that Experian was not communicating with XXXX and XXXX and my report is showing even more debt that the first one. I believe the amount I was quoted was over 100,000. 
My report number they gave to me is 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 2017-09-30
Company: ALLY FINANCIAL INC.
State: MS
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 received a letter from Ally after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with GMAC/ALLY AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the Ally is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from 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 explanation
Consumer complaint received 2022-03-22
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/22 XXXX fees XXXX invading privacy talking to neighbors regarding debt, sharing account information with other without my consent, causing harm and separation in domestic family affairs, alleged debt without proper validation and identifications. unclear practice misleading coerce for payment.

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 and XX/XX/2019 XXXX XXXX XXXX ran hard inquiries on my credit without my permission.

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 2017-09-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have two private loans that are with Navient. They are about {$10000.00} each. I have been paying faithfully for a couple of years now. My grandparents ( both XXXX ) cosigned on these loans in XX/XX/XXXX-XX/XX/XXXX. Since my grandmother has XXXX, I have been trying to get her released from the loans. She XXXX XX/XX/XXXX. I made several phone calls to Navient and did not get correct info on how to go about releasing her. In XX/XX/XXXX, I received a letter saying that XXXX XXXX. ( Navient 's lawyer ) was suing my grandmother 's estate for the balance of my loans. Navient customer service reassured me that if I submitted a XXXX certificate that the whole thing would be dropped and I could go on paying regularly. So, I submitted one twice and was told it should be all wrapped up by XX/XX/XXXX. But, the lawyer continues to harass my grandmother 's estate and even told the executor that my loans are now in default. I can not seem to get anywhere with either Navient or XXXX XXXX. XXXX XXXX. says they have no intention of dropping the suit against the estate even though I am current with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes XXXX, Experian or XXXX to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, 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 explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-02-20
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
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:
I am trying to submit an dispute online and Equifax website is not allowing me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
there was a check that was deposited into my account that I no ideal of te deposit or how its deposit was made XXXX it showed in my account. right away my account was look down and fund unable to withdraw. good that not te problem the problem is there action with out fact of being aware of this happen and was thought to help these people out that made the deposit. this its far from the truth I no way of knowing and no way to stop this from this happening. what they dont know is that I refused to cash. any check or let them XXXX my account for reason a battle I been facing with for mouth from these people. the reason they had my acct # and routing was for direct deposit of transfer, it wasn't to let them use my account freely as capital one project it to. they fine me to high risk for nothing wrong all because I had a problem with a bank before going to them. I been judged for things that I had no control over at all and they took my account they hold over XXXX $ of my money from transaction that was procession at the same time and there assuming once more that I m doing bad deal. and they will not return my calls or talk to me in anyway. I done nothing and I only tried to work with them only to be judged as the crook. I think I have law suit and every right to file this complete. just because I was stuiped once dont mean I doing things wrong. as it is now I m receiving death threats and other threat from the people thst Made that deposit claiming i have the money and now I affsired to leave my home. and I can't get help because how'd you stop a ghost. I m being harassed my money is frozen a closed account and no-one XXXX care me.

Company response to consumer: Closed with explanation