BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made an uninformed decision on XX/XX/2014 when I entered this consumer credit transaction with XXXX XXXX for an {$15.00}, XXXX auto loan. 
Currently there is no evidence of indebtedness. The only evidence of debt was the agreement. That agreement is now null and void because I made an uninformed decision that was not clear and conspicuous. There was no adequate notice, I did not understand the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called half a dozen times dealing with this company that constantly reports payments late when they are not, they are purposely destroying my credit

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 2022-11-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-11-26
Company: LEXISNEXIS
State: MN
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 contacted Lexis Nexis by phone, in XX/XX/2022, regarding 8 inaccurate XXXX XXXX claims records they have attached to my consumer record. These inaccurate records caused my auto insurance premiums to increase by 150 %. 

Nexis Lexis initiated their dispute process and informed me they would respond within 30 days, which they did on XX/XX/2022. Their " investigation '' process determined the claims to be accurate and have not removed them from my record. They also furnished me with a full copy of my record which I then analyzed it myself and found no less than : - XXXX incorrect Identification Records- XXXX incorrect Address Records- XXXX incorrect Insurance Policy Records - XXXX incorrect XXXX XXXX - XXXX incorrect Auto Insurance Claim Records All the errors in my record seem to involve an individual, by my same name - XXXX XXXX, who lives in XXXX  and is a XXXX XXXX. I have never lived in XXXX  or held a drivers license in that state. I have lived in XXXX  my entire life and have only held a XXXX  drivers license. 

I honestly have no idea how anyone at LexisNexis who read the report, that they supplied, could not see the sheer volume and scope of errors, discrepancies and inconsistencies throughout my record. I was mortified and it was clear to me that no one actually looked at my record to determine what was happening. 

This is important personal information that effects all aspects my financial life and employment, etc, and it needs to be corrected ASAP. 

Thank you for your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX 15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-09-19
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent outsourcing ( XXXX ) XXXX $ Started on XXXX XXXX My family hindered me from the world keeping alot of information from me and using my identity without my knowledge. I didnt have any knowledge about my credit report until recently I am devastated. Im really hoping you can help you delete and help repair all my credit so I can have a fresh start at soemthing that was originally mine.

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 2022-11-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I contacted Midland Credit Management requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$2000.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: AZ
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 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 also states a consumer reporting agency can not furnish an 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It all started after I got my purse stolen in XXXX Someone has been applying for credit and opening accounts in my name ever sine. I filed a Police report and a FTC report. Hopefully ya 'll can help me as well.

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 2022-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1200.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Certegy Holdings, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Certegy Payment Solutions , LLC ( XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX ) in early XXXX, stating that their records indicate I authorized an electronic funds transfer at a XXXX XXXX in the sum of {$290.00} and that my financial institution wouldn't process the transaction and to call them to get it sorted and pay the {$290.00}. 

This seemed like a phishing attempt to me because : XXXX. I've never shopped at XXXX XXXX. 
XXXX. The check number that's supposedly mine that they listed on the letter is a check number much higher than I've ever had printed. 
XXXX. They don't have correct information about my name. 
XXXX. The place on the letter where they are to list my bank institution is blank. 
XXXX. They claim the check was written at the XXXX XXXX on XX/XX/XXXX and I was out of town then. 

It felt so strongly like a scam that I ignored the letter. It's been less than a month since I received it. But I've just now opened the mail and found a letter from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX ) stating they are a debt collector and trying to collect a debt I owe to Certegy Payment Solutions , LLC. 

I'm not sure what to do next. I haven't contacted either Certegy or XXXX because I don't want them to have my phone number or any other information about me. I wouldn't even know who to contact first. Can you please let me know what to do in this situation?

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 2022-09-19
Company: EQUIFAX, INC.
State: NC
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was acquiring a service from a vendor that required payment on Paypal. On XX/XX/XXXX, the vendor asked for a 50 % deposit corresponding to {$75.00}. After I made the payment, the vendor indicated that the money was on hold by Paypal and issued a refund to me. And demanded the {$150.00} full payment. I paid the {$150.00}, and the {$75.00} was never refused. Paypal doe not offer a dispute process, and when I reposted a problem, they closed my case, indicating the transaction was exemplary. The amount on the statement reflects as XXXX ( XXXX fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a notice on the XXXX app that I was preapproved for their card and I can check without impacting my credit ( and offered me {$60.00} off my next order for doing so ). I checked into it, but they did a hard inquiry without my consent or permission. I am upset as I have a roof repair I need to complete and I never would have agreed to see if I qualified if I had known they were doing a hard inquiry. This inquiry is just another reason I have been denied by XXXX XXXX, who said one of the reasons was too many inquiries. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
In 2020 we received a court order as part of our divorce that directed my name be removed from any join accounts and that my ex wife. XXXX XXXX would be fully responsible for any charges or transactions on those accounts after the date specified by the courts. We went to the local Bank Of America branch and completed paperwork to remove my name from both the join checking account and the credit card. My name was removed from the checking account but not the credit card. 

I did not learn that they had lost this paperwork until just recently ( over two years later ). I contacted Bank of America. I completed the necessary paperwork and included the documentation from the court ordering all of this. Bank of America refuses to remove my name from the account without approval of my ex-wife despite the court orders. I no longer have any way to contact my ex.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: TX
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:
I have submitted disputes to you and didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX ,

has violated my rights. 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
complainant filed dispute because a phone ordered from the XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX never arrived. Capital one just decided the complaint in favor of Store even though the store 's own XXXX tracking number shows it was never received by me. On XX/XX/XXXX dispute department sent me an email asking me to respond to a letter attached to the email but no letter was attached. Dispute department then denied the dispute when there is no way I received this item. It needs to be re-checked. Moreover, the receipt from the store shows that one part of the order was cancelled and the other part returned. I am attaching tracking number, receipt that shows canceled or returned and the email sent XX/XX/XXXX that has no attachments for me to respond to. It's not clear that Capital One has any evidence from merchant and they had all of this from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I moved {$500.00} from my XXXX XXXX XXXXXXXX XXXX account to my new Wells Fargo Savings account. The money was taken out of my account but at the same time my Wells Fargo account was closed. Wells Fargo said the money would return to my old account soon but it never did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Customer : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX a Mailed in a payment in an amount to nearly pay the loan in full ( {$8200.00} ), knowing that there will be a small residual amount remaining. The loan is set up on auto pay, the intent that the next auto payment would pay the remaining balance in full. The check was received by BMO around XX/XX/2022. XXXX XX/XX/2022 a letter with a check was received in the mail, stating that the funds were being returns on account on not properly remitting via wire/certified funds. 

a call was made to BMO to discuss the reason why this check was returned and why the check sent wasn't accepted. The check was good with sufficient funds backing it, therefore it's unknown how and why the receiving bank has the authority to deny the transaction. The request or ask of the BMO representative was to be able to backdate said check to the date received in early XXXX. This request was denied again for failure to remit said funds by certified check or wire. I was also informed that when we pay it off, that the check received back was not acceptable to use. 

With this delay, the per diem is over $ XXXX resulting in additional financial harm. We feel we have made a valid effort to remit funds to pay the loan down with the intent of paying it off via the XX/XX/2022 AFT payment. All we ask is that the payment be backdated to the date received.

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 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been paying on my Capital One account for over two years although it is reported as closed. Each month after making my scheduled automatic payment, my balance of {$2400.00} continues to be erroneously reported as the same although there is a statement in my email and on my credit reports that states the balance is updated on the XXXX of each month. However, the balance has not been updated in over six months or more. Therefore, I am attaching my payment schedule which reflects that I have XXXX payments of {$94.00} and one payment of {$94.00} left to pay off the balance as of XX/XX/22 which totals {$1400.00}. This is a difference of {$1000.00} which will make a difference in my total debt to income ratio on my three credit reports. In addition, it is important to have this balance reported correctly because it negatively impacts my credit score especially when I am in the process of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid this debt off directly with XXXX back in XX/XX/2022. I am not quite sure why they sold it to you. 

Amount : {$780.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 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 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