BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

XXXX XXXX has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my Experian report and I have contacted Experian and was told that XXXX XXXX has NOT informed them to delete the inquiry. The inquiry date is 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 2015-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
Capital One appears to not provide on its credit card statements the amount of a transaction in foreign currency for transactions done outside the United States. I would like to know if they are legally required to provide this information as well as the exchange rate used and if not I would like to suggest that the CFPB issue regulations to make this a requirement. I would like this transparency to ensure accurate processing of such transactions. I do n't have a specific complaint about any particular transaction at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX  has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXXXXXX XXXX  has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Byrider Franchising, LLC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My number was provided as a reference and I continuously get calls even after I 've asked the company to not call me looking for the borrower or to relay a message to their borrower who has a working phone number..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Billing statement

Complaint:
1. ) Despite repeated requests from me Capital One has been very devious about not sending a statement when I have a balance due. They send it regularly when I do not have a balance due, but somehow they either do n't send XXXX or it will be late when there IS a balance due. In short, it 's up to me to watch them carefully to make sure I do n't incur any late fees. 

2. ) The due dates for payments change from time to time with no clear explanation as to why when I call. 
3. ) When I 've paid off my card in the past they will frequently try to tack on an extra charge unless I call and complain or send an email. 

No, I can not offer any proof ( statements, etc. ), but I think the cfpb should be aware that Capital One is only playing by the rules when challenged. I do n't use my credit card very often and this is the reason why. Capital One is not, not, not trustworthy. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Santander Consumer USA Holdings 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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted the credit bureaus to do a thorough verification of everything on my credit report and they did. They stated that everything was accurate. I did my own thorough research and found improper inaccuracies on my credit report, even after the credit bureau 's thorough research. 

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX  # XXXX ; DPT EDXXXX # XXXX ( account numbers are inaccurate ) 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 explanation
Consumer complaint received 2017-07-31
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint about Jefferson Capital System They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Jefferson Capital System is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Jefferson Capital Systems needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of  contract to include XXXX XXXX. I am aware Jefferson Capital Systems is a Third Party collections firm. I do not wish to do business with them at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20
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:
XXXX XXXX XXXX Account Name XXXX XXXX Collection account. {$1400.00} This was already resolved/resolved by XXXX  but is still reporting to the other two credit bureau experian and XXXX This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from experian be cause by information was compromised they are completely aware of this.

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 2016-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have XXXX credit cards with Capital One. 
I have always been given a credit line increase every six months for the past 4 years or so. 
This month I should have been given a credit line increase on XXXX of my cards. 
They denied me of any increase. They were extremely vague about the reason, they only said that you have to make a higher payment. No one in their office can justify this at all. 
And they said that I can not talk to anyone in that department that authorizes credit line increases. They have no idea how much of a payment that I should make. They have never done this before to me, ever. I want a credit line increase now. They should not be allowed to treat customers so unfairly, and have no contact for us to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a Capital One Secured XXXX. The XXXX was opened XX/XX/XXXX. I put down a {$150.00} XXXX XXXX towards the secured card. As of XX/XX/XXXX I was 120 days late and owed {$160.00} by XX/XX/XXXX. Without any notice Capital One applied my security deposit towards the balance of my account XX/XX/XXXX On XXXX I logged into my online account and made the required minimum payment due of {$160.00}. Capital One did not tell me my account was closed or that the security deposit was applied to the balance. As of XX/XX/XXXX the balance was XXXX. Capital One sold this account to XXXX XXXX XXXX. I have disputed this debt with Capital One, XXXX, and all three credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by Capital One and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that in XX/XX/XXXX I was 150 days late when in XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off in XX/XX/XXXX despite the fact the account was brought current in XX/XX/XXXX. Capital One XXXX refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Onemain financial has take over 2000  dollars away from me they said XXXX is for the interest rate they never said I have to pay XXXX just for interest I have paid payments for over 2 yrs this is excessive and they lied I me I would not have taken a loan out just to pay you XXXX interest rate this wrong and I need help to get my money back can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company hasn't shown anything valid that states I owe this debt. There's no agreement, no signatures, or anything that states I owe this debt. They bought an alleged debt from XXXX XXXX for pennies on the dollar with NO validation that I even owe this. They are attempting to tarnish my credit worthiness for a small profit. It's ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several times an account has been disputed, with the debt collector requesting, with letters proper debt verification on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since I do not recognize that debt. 
The company has not provided supporting documents, to verify the debt bearing my signature, and documents that make me legally binding contractually. 
The company has failed to prove the debt, and also omitted to provide the methodology according to the Fair Credit Reporting Act, and other law. Just with unsupported letters to the CFPB in 2 complaints, and arguing the delivery of information for 6 months without even a simple proof of delivery. 
The Company failed again with the CFPB to provide support, for the debt verification, and binding documents bearing my signature, in addition to arguing that they have answered my requests this 6 months which is way above the law ordinance. Attached you will find the letters support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX I consumer, XXXX XXXX purchase a car through XXXX and it was finace through American Credit Acceptance. On XXXX XXXX I called the police because my car was missing. They told me it was repossessed by American Credit Acceptance. I am not sure as to why they repossessed my car ( XXXX XXXX XXXX XXXX ) I never received communication from them nor did they mail me anything pertaining to my vehicle. This is a violation of 15 USC 1666. They never notified me on an late payment. Nor make my account late or past due or their banking system. Or with the credit bureaus. This is nothing more than my rights because violated and my character being defame. Which is an violation according to XXXX5 USC 1692. This is nothing more than an billing issue. I am demanding my vehicle to return to my address that you have on file. Attached is my license to help identify myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX first I made my payment of {$2500.00}. There was a processing error and I was double billed for a total of {$5100.00}. I have contacted the lender and they keep making excuses on why its taking so long to refund the money. I called today and was told they made another error and would have to start the refund process over. I have incurred overdraft and late fees that cant be refunded from other accounts. They wiped out my checking account and have left us in a hardship situation that they care nothing about.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am in the midst of purchasing my first home and am trying to increase my credit score to qualify. I have been a Capital One credit card holder for nearly two years, but accidentally had a late payment in XXXX 2014. I called and wrote a letter to Capital One on XX/XX/XXXX.The CO customer service rep I spoke with on XXXX told me it was " no problem '' and that she was " happy to report that the late payment will be removed, you should receive a letter of confirmation in 8-10 days and will see a late payment refund on your account ''. 

I CO called back on XXXX to see if I could get a copy of the confirmation faxed to me, but the rep said this was not possible. The gentleman I spoke to even stated again that the request was approved. 

I received the letter on XXXX that said my request was denied as Capital One XXXX CO XXXX was reporting the information accurately and that it would be escalated to a DISPUTE to the credit reporting agencies. I never denied the accuracy of the reporting but instead was asking CO to make a gesture of goodwill to me as a loyal customer and delete the late payment status. Now, I have a dispute on my credit report that will prevent me from moving forward on obtaining a mortgage loan ( until it 's resolved XXXX AND will cause my credit score to lower! This action should be against the law as I NEVER asked for a dispute, either by verbal confirmation or in the letter I sent. 

I never asked for a dispute but instead for a " gesture of goodwill ''. Those XXXX are not the same, and should not be used interchangeably. The staff should be trained on what " goodwill gesture '' and " Dispute '' is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03
Company: LEXISNEXIS
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was recently denied a job due to inaccurate information contain in a background check consumer report prepared by XXXX which used addresses as identifying factors to link criminal charges to consumers report. I disputed this information as inaccurate and was told by XXXX the inaccuracies with addresses and other identifying factors were being supplied by Lexus-Nexis which I had disputed the information as inaccurate in XXXX, XXXX and requested Lexus-Nexis to validate their consumer report and provide names and contact information in regards to how and why they were associating the inaccurate addresses and linking to my consumer file, then refusing to remove said information. In addition, I opted out from Lexus Nexis from reselling or sharing data back in XXXX, XXXX. LexisNexis does not correct information within this system ; however, LexisNexis will not provide the sources of the data, to the extent permitted. Since this information is being supplied by Lexis Nexis I want the inaccurate information removed from their files/database and this practice stopped that a company can compile inaccurate data, sell the data and prevent a consumer from obtaining employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just noticed this week that I had an account in collections. It shows this account was sent to collections 2 years ago and I was never notified. I never knew I even had a payment due. I did not receive any phone calls, emails, or letters in the mail. I want this charge removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Resurgent Capital Services L.P.
State: CO
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 paid a collection from LVNV funding and it is still not showing as paid on my credit report. I have the receipt showing paid and have even tried disputing it with the credit bureaus but have had no success in getting it reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TD BANK US HOLDING COMPANY
State: LA
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 have personally attempted to work with TD Retail Card Services, XXXX XXXX XXXX, XXXX, XXXX  and also XXXX. I have continued to file disputes regarding a account reporting to my credit report at all agencies. XXXX  deleted the information as their investigation determined the information could not be verified. XXXX  and XXXX  has continued to report this deleted information that XXXX  found as inaccurate or fraud. I have contacted TD via phone, Email and via their own dispute process but have been unsuccessful. After talking with TD they also state they have no account for me. TD says I would need to get XXXX  and XXXX  to delete the info. The credit reporting agencies say it is verified and the responsibility of TD to update the information if inaccurate. 

PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  XXXX, a law firm in XXXX XXXX, CA has been contacting and harassing me for TWENTY plus years over a car loan that I never had, The loan was initiated due to identity theft when I was in college and lived in Washington State. They have continued to pursue me throughout the years, and claim they served me with a court summons in the year 2000. In that year I did not live in California, and did not have the PO Box that they claim they served me at as I had used it years before and did not live in XXXX XXXX, anyways. Fast forward, I just received a judgement for XXXX for a debt that is not valid. They did not serve me legally, so I had no way to defend myself. Had I been served legally, I would have shown up with my police report, letter from City Attorneys office, Affadavit of Fraud from the FTC which is notartized, and it would have been taken care of. Now I have a judgement and have to deal with it. I am a XXXX person, and can not even drive to this courthouse which is far away. I intend to file a restraining order for harassment, sue them, and deal with Ford Motor Credit and the court directly. Even if this was a valid debt, which it is not, the statute of limitations expired 18 years ago. I saw very bad reviews about this firms ethics and I can certainly see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
there is incorrect information 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 non-monetary relief