BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Continental Finance Company, LLC
State: MD
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, creditors have violated my rights under 15 U.S.C 1681 SEC 602 states 'I have the rights to privacy ''. 15 U.S.C 1681 SEC 604a SEC 2 " A consumer report agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

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 2017-03-16
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of Albuquerque referred this account to an attorney and initiated a foreclosure action before properly reviewing my modification request, which has been pending for a long time now. I have never received any decision from Bank of Albuquerque regarding my pending loan modification/loss mitigation application. 
As a result of Bank of Albuquerque 's failure to assist me with my application, I requested assistance from XXXX ( a HUD-approved housing counseling agency based in XXXX ) since the XXXX. XXXX has been assisting me with trying to preserve my home ; they have submitted a workout package/loan modification/homeowner assistance application, which is pending review. 
XXXX has informed me several times throughout this process that Bank of Albuquerque staff is often unresponsive and not helpful in trying to process ( and expedite ) my loan modification request. There has been no continuity of contact -no single point of contact- to assist with loss mitigation options, as required by law. The times I have contacted Bank of Albuquerque to discuss my options and pending loan modification/loss mitigation application, there is an unreasonable wait time, being put on hold, and ultimately never getting to speak with the " right '' person. If this lender/servicer would be cooperative, as required by law, perhaps the process for me to obtain a modification and get current would have been easier and without so many roadblocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Other

Complaint:
XXXX I received a paper application from Capital One XXXX XXXX Signature card stating that I was pre-approved. I called the company to ask whether there would be a hard credit pull. I asked this because I have excellent credit and intend to keep it that way. The phone representative guaranteed me that there would be no hard credit pull since I was pre-approved, and that would be true whether the application was via snail mail, online, or by phone. On XXXX XXXX, 2015, I applied online and received the card soon afterwards. I have always paid in full on time. After checking my credit report, I realized that Capital One had gone against its verbal promise and issued a hard credit pull. I called the company and made a complaint, requesting that the hard credit pull be removed as promised. The issue was forwarded to a representative named XXXX. He called me on XXXX stating that the company was not able to trace my phone call, that there is fine print stating a credit check will be performed on all online applications, and that Capital One would be unable to remove the credit pull. I told him that his results were unacceptable, asked him to recheck the phone records, and gave him a home phone number to check even though I believe I made the phone call from my cell phone. 
I am asking that the hard credit pull be removed and that Capital One train their representatives to avoid this situation in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/16, I went to the dentist for a cleaning. It went from XXXX dollars to XXXX XXXX dollars for deep cleaning. I tried to use my care credit account and it was declined. I called Syncrony Bank c/o G.E Capital to find out why. I was transferred to bankruptcy dept. This should not be a bankruptcy account when I paid every month til paid off. From bankruptcy dept, I was transferred to collections, XXXX XXXX who has no money owing. I called again XXXX/XXXX/16 with same issue. Transfer here to there with no answers.

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 2022-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit XXXX is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. 

I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act.

I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and XXXX reps are no not giving me any names numbers or anything. this company is rude and hols your personal information hostage when trying to correct them. 

If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022 I disputed this account for violating FCRA regulations TILA the credit drivetime/Bridgecrest is violating consumer laws by reporting and aid and abetting in furnishing this inaccurate report on my credit profile. 

I had no luck reaching out to the inforamtion on my credit profile for the number listed is not working. These violations are serious and harming my credit report by violating USC 1681 ( S ) ( 2 ) & ( 3 ) & Fair Debt Billing Act.

I would like the formal and orginal instrument of indebtness and all loses on books to see where is the numbers from this account is coming from. I have been getting no reply from the creditor and Experian reps are no not giving me any names numbers or anything. this company is rude and hols your personal information XXXX when trying to correct them. 

If a creditor sales something or transfer the debt the balance and other factors should go into play and be corrected. THIS IS FRAUD ALL AROUND.

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 2016-04-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent certified mail to Experian requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Experian did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED, NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who Experian contacted. XXXX is not the form of verification that I requested by law Experian has to honor my method of verification request and they have not done so. When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX XXXX do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that XXXX have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested. I can also send a copy of my certified mail receipt if asked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I disputed charges on my credit card XX/XX/XXXX with Capital One. It appeared my credit card information was stolen as there were almost {$1100.00} in charges that I had never seen before in a period of two hours on one day. I notified Capital One and spoke to XXXX different people confirming the matter. I was advised I would not be charged for it and the charges would come off my card. They did and a new credit card with a new credit card number was sent to me. The case was then closed. Fast forward to XXXX/XXXX/XXXX and I received adjustments on my new card of over {$1100.00} for those same charges!!! I called as soon as I saw that and after XXXX minutes and no less than XXXX representatives, I got nowhere. I received XXXX different answers and a promise that a manager would call me to resolve this by the next day. No one called. I then tried resolving via online chat to no avail. That rep told me managers do not call customers ... I demanded to speak to their manager via chat who was of NO help. He refused to give me their legal department 's contact information and told me I have to call in ( again ). I told him repeatedly that I do NOT have time to waste another 40+ minutes for their mistake in which they are now reporting that balance to the credit reporting agencies. He would not assist and kept repeating I must call in. I made it very clear I was going to resort to a complaint with the CFPB as I can not repay {$1100.00} that I do not have. I am a XXXX person with medical bills that must be paid or I die. I am devastated by all of this and just want it resolved. Capital One will NOT address the matter. They claim a letter was mailed ... I never got a letter. They will not resolve via phone ... I keep getting transferred or told I need to call back or placed on hold for large periods of time. 

Please help me. I do n't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Commonwealth Financial Systems, Inc.
State: AZ
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. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.  <P/> I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early   XXXX  . My credit should have been frozen by  XXXX , but that seems to not have been effective.  <P/> I do n't owe this debt, and my  credit score  has been damaged because the account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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
Consumer complaint received 2022-06-03
Company: Exeter Finance Corp.
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My wife and I recently applied for a home loan and noticed several errors on our credit report. XXXX in specific showed a liability of {$9100.00} to " Capital One. '' I have never had a credit card with Capital One and the first call I made to them was exhausting. The women was rude and not helpful. Eventually I was transferred to the fraud department and they told me they would send me a fraud packet. I never received anything. I called again and was transferred to the fraud department and I told them my complaint and that I had never received the fraud packet. They informed me that their findings determined that it was not a fraudulent account and that 's why they never sent me anything. I also received a letter from the IRS stating that I owed money since the account was written off. I have been unable to obtain any information from Capital Once regarding these charges they allege I owe. I asked when and where the account was open, if they had my signature on file, I asked for a detailed explanation of all the charges. The only question they answered was that the account was closed in 2009. I have contacted the IRS and they are investing my claim as well. I maintain that this account is not mine and was opened without my consent. I have called capital one 3 times and I still have no answers. I want to know how and when this account was opened? A detailed list of all charges? They stated this account was closed in 2009, who closed this account? Why was it closed? Why is this the first time I am hearing of a debt to them? This account was closed in 2009 ... .7 years later and the only reason I found out about this account was because it came up on my credit report and I received a bill from the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX began reporting on my credit report in XXXX. Account listed as opened in XX/XX/XXXX and closed XX/XX/XXXX, first issue. Account could not have been opened after it was closed. Second issue, account isnt mine. Ive disputed multiple times in writing via certified mail and verbally. No debt validation was ever received. XXXX agreed account is not mine and reports sending deletion to bureaus on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX today and they state they haven't received a dispute from the bureaus but have sent requests for deletion.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX 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 I also have some inquiries on my report that I didn't authorized and unaware of. 

XXXX : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX Transunion : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX  XXXX XXXX TIME Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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