BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Allegiant Capital Recovery LLC
State: MI
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:
I have new and updated information about Allegiant, XX/XX/2022 I received a correspondence from compliance department stating my information would be sent back to there client after my complaint but when I called them on or around XX/XX/2022 to see what client they reported the alleged debt back to I was told the account was still in Allegiant hands under management review and there was still a open balance of XXXX that I can pay or make arrangements on making Allegiant responsible for continuing to try to coerce me into an payment after the dispute supposed to been resolved, closed out and sent back to there client. The manager stated the debt was sent back to XXXX XXXX back in XXXX and XXXX XXXX stated that was not true the debt was just sent to them that day we spoke which means they held the debt with extortionate means infringing upon my rights privacy. I attached a invoice for the violations of my Federally Protected Rights under the FDCPA 15 U.S.C. 1692k. Due to the deceptive and abusive practice this company conducts the complaint was sent through the CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: Regional Management Corporation
State: NM
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/2021, Regional Finance sent a check and somebody who is not me cashed it. This resulted in me owing them money and impacted my credit report in such a negative way that I am no longer able to receive a mortgage to buy a house. They said it has not been paid in 120 days so they wrote it off and are waiting for it to be sent to collections. I have filed a police report, contacted all of the bureau 's and was told I need a letter from Regional Finance acknowledging it was fraud to get this off my credit report. Regional Finance has been uncooperative, they told me that they wrote it off and there is nothing I can do until a collection agency buys my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX 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 2022-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a statement about XXXX savings accounts from Capital One that I did not request. This statement is XXXX pages long. I did not request these accounts to be opened. The period covers XX/XX/XXXX - XX/XX/2022. Me cell phone is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below accounts they are reporting. 
I previously requested they provide original contracts for the items that I previously disputed I have reason to believe they did not investigate properly and also have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.

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 2022-08-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out via USPS and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Listed Accounts Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Paid scam collection agency two installments ( XX/XX/XXXX and XX/XX/XXXX ) after they contacted son via email on XX/XX/XXXX and threatened to report him to XXXX XXXX over previous alleged debt balance owed Wells Fargo, which he believes was already paid, but the debt was so old he can't remember. Original debt was also mostly bank fees and a fraction of what is demanded by debt collector. This company was hostile and threatened legal action unless monies were paid right away. Contacted original bank and they have no record of account or social.

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 2022-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX equifax : i need you to verify all my accounts on my credit report and check if it's accurate ... because i have my credit report in front of me and it's showing XXXX different things from XXXX different bureaus ... Fcra rules says that my credit report should be 100 % accurate ... and how can it be accurate if there are XXXX different things reporting... please do diligent investigation so my credit report doesn't violate my consumer rights.. here 's the list of the following accounts in question.. 
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 Please make sure that all three bureaus are 100 % accurate and are reporting the same exact items on my credit report including date last active, date last payment, date opened and amounts... according to fcra my credit report needs to be 100 % accurate otherwise it needs to be deleted because it violates my consumer rights... XXXX XXXX XXXX... XXXX states The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: AL
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 been contacting XXXX for months trying to get the correct information on my credit and get the inaccuracy off. XXXX has violated so government laws according to the FCRA. I dont know if the agents over the phone are not reading the rights but I have got hung up on multiple times just for asking can you send documents verifying these inquiries. I even asked a lady over the phone for XXXX can she give me documents pertaining the information on my credit report. Blantly she told it couldnt be verified through them. Well thats a violation and anything that cant be verified is subject to removal. Im very respectful when it comes to things like this but my experian has 4 inquiries and XXXX has 53 and they are telling that its just not reporting to the same agency. Like come on XXXX yall have been rude and are not expecting me to exercise my rights when their is an error or even fraud into play. But honestly Im looking at sueing XXXX rather than stress myself out for them to delete 53 inquiries that arent mine. XXXX my credit score is a XXXX  and XXXX is a XXXX. I cant get half the stuff I need credit wise because of transunion. So many rights to FCRA have been violated, Ive spent over $ XXXX {$1000.00} just send letters to transunion just for them to say they cant verify the inquiries and that They still arent removing them even if they see they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Acceptances by CAPITAL ONE on account number ending in XXXX Certificate Of Non-Response : I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor XXXX XXXX and UCC XXXX XXXX I state the following as facts. On the date of XX/XX/2022, CAPITAL ONE at XXXX XXXX XXXX XXXX XXXX, IL XXXX received a remittance/coupon payment via United States Postal Service Priority Mail and a CAPITAL ONE agent signed for the payment as verified by Certificate Of Service . After acceptance of mailing, CAPITAL ONE refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. CAPITAL ONE did not send my payment back to me within 3 business days and kept it for their own gain. CAPITAL ONE did not cure their dishonor. CAPITAL ONE gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. Despite the numerous phone calls to multiple CAPITAL ONE departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office , Collections Department , about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; CAPITAL ONE has willingly and knowingly been non compliant and has ignored federal law. Sources : Bills Of Exchange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, 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:
My name is 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: CO
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 had a XXXX XXXX account. They marked me late on the last month of my loan. I asked for an accurate credit report. I still found inaccuracies when I pulled my report. 


In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 602 A. Section 2 : It also a customer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Midland credit management 15 U.S. COde 1681b Permissible purposes of consumer report. I did not give permission to report this on my credit report. I have no knowledge of this collection and would like it to be removed immediately. This is 15 USC 1681 ( b ) ( E ) false information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
New York and Company Comeity Bank stating I owe this debit. I have filed report after report that this is not mine and I know around the tine when the account was opened my identity was stolen. I had my wallet stolen and drivers license and ss card was all in my wallet. I had a car bought during that time and now a account opened. I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed account sent memo that account would close the same day accepting a deposit and now it will take 60 days to release VA XXXX check that was deposited into account. Accepted deposit the same day of closure and will not release funds. There is no balance in checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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 the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 updated from erroneous reporting in my file. 

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 explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT- 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 non-monetary relief
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: LA
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:
Ive had term oil & hardship from these inaccuracies on my credit. 
The open & close dates are wrong & its still reporting a balance all of which is against the law

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 2022-11-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been making transfers to and from accounts and then suddenly my funds was being held for 5 business days then 10 business days, then we i did a mobile deposit the funds was held even though the system said i could deposit up to XXXX, the check for was XXXX and i should have had immediate access to my funds and because i didnt, i had several bills and payments declined and was sent back and then i suffered many XXXX  from USAA  XXXX dollars for each occurrence, this has to constitute some kind of fraud on USAA part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The account was paid in full via my bank and confirmed. However, they have send me a statement received today with the incorrect balance. Attempts to reach them useless. Zero balance PAID should be reflected on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  XXXX XXXX XXXX ACCOUNT- 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 non-monetary relief