BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX I sent out vital information asking for verification of an alleged debt that Capital One claims was owed they have failed to send the verification as outlined in GAAP. Capital One has failed to send my title after failing to provide verification of the alleged debt. I do not owe Capital One anything, they have failed to provide their burden of proof that a loan was made. GAAP will show and prove that there is no alleged debt owed and that I am entitled to my title lien free. After receiving the response from Capital One stating that they will not continue to respond to my request is considered acquiescence and their silence to provide the information that has my personal identifying information is a violation of my consumer rights. Attached is my full response, I am making this complaint because Capital On has violated multiple consumer-protected rights and has failed to provide me with my title and remedies outlined in my first communication to them. This complaint serves as a notice of default as well and I will seek lawful remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX we purchase a home which already had solar. In XXXX our bills from XXXX started rising up. The first bill was XXXX plus the payments we would make to the solar company with were close to XXXX. Then XXXX came along and it was XXXX plus the solar bills which ended up at about XXXX. I started to question why our bills were so high if we live in a house not a building. If we had solar it made no sense. The solar company stated our system was offline but we were getting billed based on estimates. I kept emailing and calling asking them to come out and check our system. In XXXX my settlement bill for XXXX  is XXXX. I kept on calling and recording the representatives stating we were offline and our solar wasn't producing. I've opened multiple complaints with different government agencies and nobody seems to help. Everybody tends to send the ball a different way. They finally sent a company out XX/XX/XXXX which stated our system was fine. Then after that I hired a solar consultant that came out and showed me picture of our system and it was of course not working and a diagnostic of the problem. As we already new the solar system wasn't working. Meanwhile they sent me to collection. Which I find unfair that they would send me to collection for a service I am not receiving and also for them billing me on something that's not there. I've reached out to them to make a remedy of this issue and they have not been wanting to help. They not also not performing any more solar systems but make us stay hand tied because they tell you to add more panels to your house with another company yet no company wants to add due to the house already having a system in place. I have already endured a lot of expenses with this issue to have them ruined my credit with a service I didn't receive. I can provide pictures, bills, and emails.They state on the complaint I opened previously I canceled an appointment but how are you giving me one day notice to be home. I asked to be rescheduled for another day and they said they would call me back. Til this day I have not received a call. I also have a recording where they state if I don't pay they would send me to collection. It seems un fair they want to go get paid for a service I wasn't getting and not wanting to come out and fix the issue. I hope the CFPB takes action on this to help the consumer not get screwed over these companies that take advantage of the people. Im drowining in bills to keep our electricity on and yet this companies are not doing one thing to resolve the matter. I've searched and there are many people like me trying to get help.

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 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card from capital one was charged over XXXX dollars from XXXX XXXX for food deliveries to a different address that I never resided nor was I near that address but capital one allowed all of the transactions and when I filed a dispute with the bank they rejected my dispute and evidence that I sent to them and they closed my account on a XXXX dollars negative, in addition I spoke to XXXX and they claimed they didnt see the charges from that debit card which I provided all of that information to capital one and they still denied the claim. I am residing in Florida and the deliveries and orders were made in Pennsylvania. I am getting constant phone calls now from capital one to pay for something I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: AXOS FINANCIAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was discriminately by AxosBank -- Loan-Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no reason. i was deny a loan all documentation was provided My credit history which is attach on complaint is excellent- I will forward this to the state attorney, FBI XXXX DEPARMENT OF TREUSURY and the related to put out there this bank fraudulent behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: V and H Portfolio
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So I contacted XXXX and I wanted to get original copy of the contract. They told me that I need to contact auto now which is a car company in Kansas City Missouri that is now out of business so I have no way of getting the original contract. They just told me to pay.. That was my only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Inquires XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( 3 ) your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. You have failed at your initial investigation of this information and assumed a role and assumed this information was valid which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) you did not ensure this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You chose to only get XXXX side of the story and because of your actions my privacy has been breached and this is a violation of my RIGHT TO PRIVACY.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: MO
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:
CFPB Writeup : 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. 

I told the XXXX, Exerian, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-10-16
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Global Lending Services LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I entered into a predatory car loan with the subject of my complaint GLS Lending, XX/XX/2003. 

A sub-prime lender, Global Lending, knew that certain segments of its population were predicted to have a high likelihood of default. Global Lending exposed borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. 

Global Lending has yet to resolve allegations that they violated consumer protection laws by putting subprime borrowers, like myself into loans that carried a high probability of default- engaging in deceptive servicing practices and actively misled consumers about our rights, and risks of partial payments and loan extensions. 

It is my prayer for relief that restitution from Global Lending to its consumers be imposed after it made unfair, high-risk auto loans to car buyers across Maryland and many other states in addition to monetary relief, like the class action in the XXXX case- we also suggest Global Lending agree to factor future borrowers ability to repay loans into their underwriting as this has tremendously affected my life and credit. Surely more than it has helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Someone has gotten a loan or lease in my name that I am not aware of I never leased anything I owe my vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I had a retail theft charge on my background from XX/XX/2016 which is XXXX XXXX XXXX will be XXXX in XXXX. Im seeing if I can dispute that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repor
ting 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 2023-01-08
Company: Capio Partners, LLC
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Assetcare LLC, XXXX XXXX XXXX and Capio Partners Account has violated my rights. 15 U.S.C1681 section 602 A. States : I have the right to privacy. 15 U.S.C1681 section 602 A section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Valor Intelligent Processing, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I reached out to XXXX XXXX agency who was in charge of collecting the debt for XXXX XXXX. The responded XX/XX/2023 providing copy of last statement from XXXX. I then replied on XX/XX/2023 with proof of payments made, proof of myself the consumer closing the account and transferring to another provider. I also advised XXXX that the statement was showing they were trying to bill me for another month of service when my account was closed and transferred on XX/XX/2023. In addition, I provided this information to XXXX, XXXX, and XXXX. On my credit report the debt is being listed under XXXX not the collection company. I sent proof of payments, proof of closing the account and transfer with XXXX to the credit bureaus disputing this inaccurate debt. I submitted disputes to XXXX on XX/XX/2023 and again on XX/XX/2023. I submitted a dispute with XXXX providing proof of payments and proof of closing the account as well as transfer to XXXX on XX/XX/2023 and again on XX/XX/2023. I submitted disputes to XXXX on XX/XX/2023 and XX/XX/2023 providing proof of payments and proof of closing the account and transferring to XXXX on XX/XX/2023. All results from each credit bureau is only reflecting account being updated. They have not removed the account under FCRA when proof has been provided showing is being reported erroneously to my report. In addition, I on the same dates for disputing I disputed several other accounts as well providing documentation that I reached out to the creditors of XXXX XXXX and Open Sky that the balances being reported were inaccurate. The credit bureaus are failing to remove inaccurate debt from my consumer report per the FCRA guidelines. As well as while a full investigation is being done removing the debt from the credit report is not being done. In addition, a full investigation is not being done. They are allowing inaccurate debt to be put on a consumer report even after proof has been provided that the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Genesis FS Card Services, Inc.
State: AL
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 my rights has been violated. 

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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open up an account at XXXX XXXX XXXX. In doing so, XXXX XXXX XXXX informed me of a bad debt from BMO bank for {$470.00} from XX/XX/21. The address associated with this fraudulent claim is a address I have not live at for the last 23 years. This account was not opened by me nor did I ever give permission to have an account open at BMO bank. 
At this time, XXXX XXXX XXXX is denying me the ability to open up a account until this is cleared up.

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 2023-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After the XXXX XXXX XXXX XXXX  on XX/XX/22, I found multiple credit cards that he opened in my name. 
Capital One {$3200.00} : and a second Capital One account with a balance of {$4000.00}. I wrote this company to dispute theses charges and completed the Idenity Fraud Information Forms for both accounts on XX/XX/22. A police report was made on XX/XX/22 and was submitted with a written dispute on XX/XX/22. Letter received XX/XX/22 for both Capital One accounts that they found no fraud. 

XXXX XXXX XXXX XXXX XX/XX/22 letter from company received by me after my fraud claim. Police report sent to them with dispute letter mailed to them XX/XX/22. 

XXXX XXXX  XXXX Reported via phone call as fraud account on XX/XX/22, called them again on XX/XX/22. Never received correspondence on fraud case, continue to receive paper statements with the amount due.

Company response to consumer: Closed with non-monetary relief