BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capital One Bank did not notify me of a debt for which they assert is my responsibility. They did not give me an opportunity to dispute this debt before they filed a case in court. 

According to the Fair Debt Collection Practices Act, as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), 809, under Validation of debts, states that notice of debt must be provided to the consumer before any collection efforts may begin. When the consumer receives this notice, he has the right to request proof of the debt before collection efforts may begin. 

The first notice I received from Capital One Bank was in the form of a summons to respond to a lawsuit filed in court for Capital One Bank, attached to my front door by tape. No letter, as required by statute 809, was sent to me before collection efforts had begun. 

After I responded to the court summons, I requested by discovery to Capital One Bank and their attorney, provide all relevant information they had to prove this debt was in fact, my responsibility. The attorney responded that providing the documents requested by the Defendant is unduly burdensome. This, despite the law requires Capital One Bank to notify me of the debt and prove it is my responsibility. 

I stated, in my response to the original summons, that I have a son by the same name, XXXX XXXX XXXX, who also resided in XXXX at the address listed on the statements provided by the Plaintiff. 

Capital One Bank listed ten items of evidence in their Initial Rule 121 Disclosure Statement, which they stated will be used at trial. Only two of these ten items were given to me, even after my request for discovery. Eleven of these documents in one category are completely illegible. The information provided by these two items do not prove the Defendant is the person named on this account. 

There is no direct link from these computer-generated statementsspecifically to me. There were two persons called XXXX XXXX XXXX who have used the address listed on these statements. These statements do not definitively prove whether the alleged account belongs to either the Defendant or his son, or some other person with a similar name. 

When asked Capital One Bank why they did not send me the notification of this sebt before they started a law suit, they did not answer. This is a violation of statute 809, according to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I filed a claim for unemployment benefits with the Oklahoma Employment Security Commission and it was approved in XXXX. My benefits started the week ending XX/XX/XXXX. I expected to receive a benefit card not later than the end of XXXX. On XX/XX/2020 I received an email that stated that I had been mailed a replacement card ( even though I had not requested one ). On XX/XX/XXXX, after still not receiving a card I visited the XXXX XXXX website which is the link to the " Way2Go '' card and is managed by Conduent, the payment solutions provider to the card. The forms on the unemployment website state that you can register for direct deposit without the card but every time I tried I received an error message that said my information could not be found. I called 3 times on that date and was disconnected after entering my SS and birth date. I called a 4th time and after 2 hours and 27 minutes on hold, was told that the card was mailed on XX/XX/2020 and should arrive anytime and that the website in fact does not allow direct deposit without the card. I did not receive the card and on XX/XX/XXXX I called again and after holding for over 4 hours was told again that there was nothing that they could do as the card was mailed and no tracking available. As of XX/XX/XXXX I have no card and can not access 6 weeks of unemployment payments I desperately need and have no one to contact. This is a time of desperation for my family and I am begging for someone to do something about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: LEXISNEXIS
State: TN
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 had a Federal Tax Lien filed in error on XX/XX/XXXX. The IRS realized it was an error and issued a withdrawal on XX/XX/XXXX. The withdrawal was sent to the Register of Deeds in my county but XXXX and Lexis Nexis never reported the withdrawal. I filed a dispute and reinvestgation but XXXX  insisted the information from Lexis was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reporting  Caine & Weiner  in regards to an account listed as  XXXX   XXXX   XXXX  in the amount of {$170.00}. This debt does not belong to me. I have disputed with the original creditor as well as the  Credit  collector agency. I am requesting that upon receipt of this complaint that the debt be resolved as it does not belong to me. If this information is incorrectly reported to the credit bureaus I will file a compliant with the BBB against the company and creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have no knowledge of ever doing business with the company.

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 2017-06-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX   XXXX ,   XXXX   I went to the  XXXX   XXXX   XXXX , located on  XXXX   XXXX ,  XXXX   XXXX , NJ. I went to  XXXX   XXXX   XXXX  to have some dental work done on my teeth. After a valuation they stated that I needed have bridge work done to correct my dental problem. I was given local anesthesia. After completion of the valuation, I was told that the cost would be  XXXX . {$4000.00}, and I was given an application to complete for Care Credit. It was not completely explained to me about the financing with Care Credit and I was a little drowsy from the anesthesia, so I completed and sign the application. I was only given 15 minutes to make a decision. I left  XXXX   XXXX , went home and thought about what I had done. I read the pamphlet which stated that I had 3 days to rescind the application. I called back to  XXXX   XXXX   XXXX  on th e 3rd day and spoke with one of the  ladies in the office name  XXXX , and told her to cancel my care credit account, I would paid with my own resources. She said the bridge was order. A month later I received a bill in the mail. A few months later I return to  XXXX   XXXX   XXXX  to have the partial   XXXX    done. I made a partial payment to the dentistry by credit card which was accepted. At this time I thought they had cancelled the care credit card application. Another month passed and I received another bill requesting payment from Care Credit. I called  XXXX    XXXX    XXXX  to remind them that I had cancelled the care credit card with them previously. Well they told me that they would not complete my dental work unless the amount was paid in full. I did not return to  XXXX   XXXX   XXXX  and the bills continue to come to my house. My complaint is that I cancelled the application within the 3 days and also paid out of pocket money for my partial   XXXX   work. I had no more dental work done and care credit is on my credit report showing that I owe {$2400.00} with an overdue payment of {$650.00}. I made several attempts to resolve this with  XXXX   XXXX , but have been successful. Please investigate this debt to clear of my credit report. My credit is good and this debt has caused by score to drop. I feel as though I have been taken advantage of as a senior citizen. Thank you for helping me with this matter.

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 2020-04-22
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I purchased a washer and dryer for a total of {$770.00}. The items were delivered and neither one of the items worked. I contacted the retailer multiple times and got no satisfaction. As a matter of fact the retailer told me they didnt give a XXXX. I contacted my bank REGIONS to dispute the transaction. Note I cant just pick up a washer and dryer put them on my back and carry them back to the store. However both products are defective and the retailer will not respond to my phone calls. And I contacted them the same day within hours of delivery. I reached out to REGIONS my bank the next day. My bank Wants to deny my dispute because I cant prove I returned the washer and dryer. I dont have a truck and Im not gon na pay another XXXX  dollars ( what I had to pay to have them delivered ) to have them sent back. The retailer is more than welcome to come and retrieve the product. But if I take them back they can blame me for them not working. I thought banks were supposed to protect their customers

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 2019-12-04
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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 requested Account validation from XXXX XXXX XXXX in XX/XX/XXXX. I received no response from the company. In XX/XX/XXXX I sent a letter to all three credit bureaus to validate the debt, which I also received no response. This debt is not been able to be validated, which all three bureaus put in the comments on my credit report that the account has been disputed which there has obviously been no investigation, Also this is reporting inaccurately as an open account. Ive enclosed supporting documents.

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 2022-04-06
Company: EQUIFAX, INC.
State: VA
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 no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: VA
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:
Guys I am in panic because I found fake accounts in my credit report. That's crazy and I am very stressed out because these account are not mine. I filed a report as I become a victim of identity theft and I can not understand what to do in this case however I heard that I can ask you to remove these accounts from my credit report. These items are just killing my report and I can not move on in my life. Its very sad situation. Please apply investigation and figure put who did it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: CO
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 requested Account validation from XXXX XXXX XXXX in XX/XX/XXXX. I received no response from the company. In XX/XX/XXXX I sent a letter to all three credit bureaus to validate the debt, which I also received no response. This debt is not been able to be validated, which all three bureaus put in the comments on my credit report that the account has been disputed which there has obviously been no investigation, Also this is reporting inaccurately as an open account. Ive enclosed supporting documents.

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 2018-04-16
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting 17 hard inquiries on my credit report, 13 of which were for  the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX- XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with Equifax today ( XX/XX/XXXX ), and they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Approximately early XXXX, saw that my frozen credit had received a collection notice against it, instantly hurting my credit score. I had previously frozen my credit as I had observed several attempts to open accounts under my name in the XXXX timeframe. 

This account however, I had no awareness of, is not mine and is purely a result of identity theft. 

I attempted to file a dispute with XXXX but they require me to file a dispute with the FTC which redirects me to you. 

Below is the information reported by XXXX : Original creditor XXXX XXXX Account info Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$680.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION 80815727 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 explanation