BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check from my Wells Fargo checking account to pay on my Wells Fargo credit card account on XXXX. The check was pay to the order of Wells Fargo for {$2000.00} and sent to Wells Fargo credit card service. The checked was cashed but not credited to my credit card account. The check posted on XXXX, that's when I reported Fraud to Wells Fargo on XXXX. I completed an Affidavit of check fraud as requested by Wells Fargo. An Investigation was started by Wells Fargo check Fraud Division and they found out that and account holder with XXXX XXXX  altered the check and put XXXX as the pay to the order. XXXX knows who the account holder info and at the request of Wells Fargo and XXXX will not respond after repeated requests since XXXX. There is a XXXX account number on the check so XXXX knows who has perpetrated the fraud. I keep calling the Fraud division for Wells Fargo for 5 months and no action or resolve as of this complaint. Wells Fargo has mishandles these fund and are responsible.

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 2023-02-15
Company: Mitsubishi Motors North America, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was sent mail from mitsubishi that i had won {$1000.00} dollars. at XXXX on XX/XX/XXXX on the phone, They told if I am came in that they would redeem the ticket. when i got there at XXXX they said that they were no longer honoring it and tricked me into their sales floor. they were rude and inferred it was common practice to use deceptive mailers. 

the mailer even said no gimmicks. 
the phone guy said they would redeem then they acted like i was the XXXX  and said they sent out XXXX winners but only had to pay out XXXX. 

they really were happy at how deceptive it was.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-31
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX I am filing this complaint after receiving a XX/XX/XXXX mailed response from Counsel for Nationstar Mortgage LLC that addressed XXXX XXXX and XXXX XXXX complaint and left these above valid complaints unresponded to by outside counsel as XXXX XXXX claimed would happen by XX/XX/XXXX and did not, as well as stating wholly false information as a response. 
Please see my objection and reply to the XX/XX/XXXX response to the XXXX XXXX and XXXX XXXX complaint as a wholly false response, proven by the attached XXXX Invalid agreement that superseded the invalid XXXX Agreement. Neither are confidential, and Nationstar owes me a remaining refund of {$6000.00} not damages as claimed by this Counsel in relation to the general damages payment of {$5000.00} paid without disclosure of the remaining refund of sales proceeds, without any explanation of an inaccurate payment allocation of {$11000.00} and whether or not it has been accurately allocated and without any explanation as to why the Company reported to three credit bureaus that XXXX XXXX XXXX XXXX underpaid their company in the specific amount of {$170000.00} between XX/XX/XXXX and XX/XX/XXXX and without any explanation as to where this false information in my credit files came from within the mortgage file for loan XXXX. 
I am seeking permission from the Court to receive my refund and damages caused by Nationstars actions between XXXX and XXXX, as attached, with a hearing date set for XX/XX/XXXX at XXXXXXXX XXXX, to which no proof of services has been yet produced for the amount in lines XXXX still held and retained by Nationstar in an open suspense account 8 years after accepting the payoff demand to which was by law, the mortgage and Nationstars servicer guidelines this account was to be closed out and amounts refunded to me within 20 days and it was not, nor were any services performed to cause the initial collection of the funds in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX : # XXXX, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Strategic Alliances, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
-I paid this debt on XX/XX/2020 to XXXX XXXX XXXX XXXX . 
-I provided documentation to this debtor with copy of the transaction from my credit card. 
-They passed this debt continues to be passed on to different companies even though it was been paid out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My Name is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  NYXXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT I opened a bank account with the following bank ( s ) : Bank Of America was opened in XXXX in Maryland XXXX XXXX ( unsure of location ) XXXX XXXX  around XXXX in New York My documents got lost due to homelesness and all effort at reopening/revalidating these accounts is unsuccessful. 

Am having Issue with updating my past financial records and getting a credit report for other obligations. I will appreciate every effort to recover the
se account ( s )

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 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my credit report is states Kohls/Cap One/ $ XXXX # XXXXCharge Off There have been several times reached out to Kohls and Cap one about this and removing it from my credit report. It has went unanswered and no one has got back with me on this matter at all. Please have this removed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2017 I entered into an agreement Pursuant to 15 u s c 1602 ( k ) XXXX federal never provided me an adequate notice with clear and conspicuous pertinent facts of transaction, which caused me to make a uninformed decision.navy federal never informed me about the cost of credit, and the only evidence of the indebtedness was just a computer-generated agreement.according to 15 usc 1602 ( k ) the term adequate notice means a printed notice to the cardholder.further, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. I did not benefited from the transaction which is a violation of 15 usc 1602 ( p ) according to 15usc1602 ( p ) the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal loan. I was denied because of personal credit. Violation of 15 usc 1602 my right to credit. Violation of 15 usc 1611 faults and misleading denial of my own credit. It is ILLEGAL to be denied credit, if you are denied credit it is an adverse action. And it is unlawful for any creditor to discriminate against ANY applicant. PURSUANT TO 15 USC 1691.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Seattle Service Bureau, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX, I do not have a contract with National Service Bureau, they did not provide me with the original contract as requested. 
Amount {$650.00} Collector : National Service Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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:
I have requested that Equifax investigate XXXX account number XXXX XXXX XXXX XXXX on several occasions in during the year XXXX and XXXX. In the year XXXX alone, Ive made requests XXXX, XXXX and XXXX. Equifax has responded to my letters stating that they have done an investigation each time. I have provided snapshots from my FICO to show that the XXXX has not been updated show the account was investigated and it is being reported inconsistently. In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX Section XXXX A states I have the right to privacy. XXXX XXXX XXXX XXXX XXXX Section XXXX A states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started getting calls from southwest credit lately at least 4 -5 times a day and they don't answer my questions about the debt in question & this so called debt being acquired so many times by different company and I ask for the debt in written & I can't get the info send to the address they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX  Balance : {$420.00} XXXX XXXX XXXX  Balance : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX AMOUNTS DEPOSITED See copies of paycheck stubs below totaling {$4900.00}. 

AMOUNTS WITHDRAWN Attached to the claim forms page XX/XX/XXXX Page # 2, these amounts totaled {$4000.00}, but the statement for XXXX was not resent by Money Network and there was almost another {$10000.00}. withdrawn during XX/XX/XXXX. 

REPORTEDFRAUD WITHDRAWALS VERBALLY : on or about XX/XX/XXXX. I was saving the money to do XXXX Shopping and my card was declined. I called Money Network. 

XX/XX/XXXX Letter from Money Network was sent to me requesting a claim form. The letter and request were received by me after the 10 days allotted for the reply. 

XX/XX/XXXX Claim denial from Money Network was sent to me XX/XX/XXXX Copy of my Letter and claim form which was returned to Money Network by me, as it took me a while to get all the information together. 

XX/XX/XXXX copy of Letter from Money Network advising I would have to file an APPEAL for REDETERMINATION OF CLAIM, along with a copy of the envelope from Money Network Exhibit # 4. This was the 2nd time the form was requested, and again the letter was not received by me timely and only gave me 10 days to reply. 

XX/XX/XXXX copy of my letter to MONEY NETWORK, stating it was an appeal for determination of a claim, including a copy of their envelope EXHIBIT # 4 containing their letter showing the actual dates I received it, which was XX/XX/XXXX. ; along with my XX/XX/XXXX letter which I sent to Money Network responding within 10 working days of when I received the envelope. 

XX/XX/XXXX Copy of Letter from Money Network acknowledging verbal notification of the dispute, although I had sent a comprehensive written APPEAL for REDETERMINATION of CLAIM. 

XX/XX/XXXX Customer Dispute Form was completed and returned by FAX & USPS Mail for which I have delivery confirmation. I asked them for the documentation used to reach their findings. 

Since then my repeated phone calls and attempts to reach a resolution and settlement have gone on and on with no results. Phone calls are unanswered, or I am told someone will get back to me and no one has. 

The XXXX reports are disparaging, and show this is apparently the normal operating procedure for Money Network. There have been numerous complaints filed with the XXXX, and the same with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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:
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.

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-06-22
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 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 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

Company response to consumer: Closed with non-monetary relief