BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX, 2020, I attempted to place an online order on XXXX. XXXX 's website with my Capital One visa card. They are based in the XXXX XXXX. Capital One, the credit card company, did not authorize the purchase. I called them to speak to a fraud specialist, XXXX, employee ID number XXXX and she verified my identity through their app by sending me a push. She then told me to go ahead to make the purchase. The authorization was rejected again. She then said that she would need further identification to lift the restriction on my card. I said that I could provide a passport card, which is issued by the US Federal government, or a passport. She said that this was not a valid form of ID for their company. At that point, since this is not the first time I've had trouble making international online purchases using my Capital One visa card, I said I wanted to redeem the points I had accumulated in around 20 years of being a client and close the account. She said I could only unlock the account for those purposes by providing a driver 's license or a state ID. I do not drive and I have no use for a state ID since a passport card or passport will suffice. The next day, I called again and spoke to another supervisor in their fraud department, XXXX, employee ID number XXXX   XXXX. She said that unless I provided a driver 's license or a state ID, my account will be locked. She said I had no recourse since she was the highest in the chain of command that I could speak to on the phone. I demanded to speak to someone in their corporate office but she said she could not transfer me. I subsequently wrote an email to XXXX XXXX, President of Financial Services, in their corporate office. I have not heard back from him. 

As an indication of how ludicrous their practices are, I subsequently made two purchases from the same vendor using my XXXX card and my XXXX XXXX debit card. I did not need to confirm my identification using a state ID or a driver 's license. 

Capital One is practicing discrimination against customers who do not drive and do not have a state ID. I wont get a state ID and incur additional expenses just to continue using this credit card. I have called numerous times to their fraud department to no avail. At this point, I just wish to redeem the points I have accumulated over 20 years and close the account. However, I am not able to redeem the points because my account is locked. The reason for locking my account is unclear to me as is the fact that Capital One does not accept a US federal government issued passport or passport card as a valid form of ID even though the U.S. federal government is a higher authority than any state government. There are all kinds of legal ramifications that follow from the discriminatory conduct of Capital One 's credit division and fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2023-01-07
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed of the judgements/debt while trying to purchase a home this year. I was not aware that these judgements existed. The debt is not on any of my credit reports. I was never served any documents on any of these judgements. The debt is dated for 2014, which is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Capio Partners, LLC
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 spoke with Asset Care LLC in reference to an unknown account being placed on my credit as a new account in the amount of {$650.00} on XX/XX/XXXX. After receiving information on this account I was informed that it was a medical account from XXXX that was previously listed by another collections agency. I asked the company to update the date that they have submitted to the credit bureaus to show the correct deficiency date and was told that they would not do this as they are using the date in which they purchased the debt from another collections agency. This tactic will allow for the account to remain on my credit for six additional years which is in violation of the 7 year rule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Fresh Start Funding, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I contacted the company in XXXX to inform them I had lost my job and I was going to need some assistance they never contacted me back I reached out to them again in XXXX still nothing then in XXXX they dinged my credit report I contacted them again and said Ive been reaching out to you nobody will respond I lost my job I could only afford to pay {$25.00} a month right now they said thats not gon na make a difference but you can do it and then they started texting me several times a week after XXXX oclock in the evening the most current one was XX/XX/XXXX at XXXX XXXX

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX : {$8200.00}

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 2022-03-25
Company: Support Collectors, Inc.
State: MI
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:
XXXX XXXX XXXX, These are the dates I submitted written dispute letters to XXXX Credit Bureau regarding Summit Account Resolution reporting debt of {$1700.00}. This is inaccurate, unverified and unsubstatiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: MO
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 credit reporting agency has a Bankruptcy ChXXXX from XX/XX/XXXX listed on my credit report. This Bankruptcy was a Ch-XXXX and should have been removed from my credit report last year after 7 years. I have disputed it twice with Equifax on XX/XX/XXXX & XX/XX/XXXX. They have refused to correct this error and I was denied a new car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from Phoenix Financial Services for a debt I settled in XXXX. I settled the debt ( {$1400.00} ) for a lesser amount ( {$690.00} ). 

I received a collection letter dated XX/XX/XXXX for the remaining balance. I tried to email the address listed on the letter and it was invalid, forcing me to call. When I called, XXXX XXXX ( tag XXXX ) was very aggressive. He talked over me and told me that it was my burden to provide a receipt showing payment ( even though its not AND they already have those details as its listed on the bill. ) he said that my settlement wasnt valid unless I provided the receipt. 

I told him that I wanted the paperwork regarding my account, including a itemized list and ownership. He refused, stating he could only request and itemized receipt. He then continued to try and collect the debt. He only stopped after I asked if he was allowed to continue to try to collect after I asked for the paperwork. He, again, insisted that he could only request an itemized receipt. He told me that he could not request any other kind of document I requested, including documents around the previous settlement. He told me that he could not request they look into if the debt was settled. This is all WRONG in an attempt to intimidate me into paying the rest of the debt. 

Phoenix Financial Services - account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX. to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX  XXXX to delete this account/item within 4 business days ( Exhibits provided ) XXXX XXXX XXXX XXXXXXXX duty is to PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: HCFS Healthcare Financial Services of TeamHealth
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 status incorrect

Complaint:
ARS Account Resolution Account # : XXXX XXXX They have failed to respond to my letters about incorrect account information. It is against the law and a violation to report health information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: GA
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:
To whom this may concern, to the creditors at Pull my credit to inquire inquries on my report. I would like for 7 or more inquiries to be removed from my report based on a decrease in credit score.These creditors have been contacted and notified of matter that is being reported to this bureau. Only a soft pull was instructed, not a hard pull. 

Thank you for resolving this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly the status as current on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report the status as CLOSED. I have attached a copy of the letter from XXXX XXXX dated XXXX showing your account reflects a balance amount of XXXX and closed status. Please update the account status. This inaccurate reporting is harming my credit score. I have contacted the bureaus to update this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw 3 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to open more accounts under my name because my credit was ran a couple of time. These 3 accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is 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. Please delete the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly the status as current on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report the status as CLOSED. I have attached a copy of the letter from XXXX XXXX dated XXXX showing your account reflects a balance amount of XXXX and closed status. Please update the account status. This inaccurate reporting is harming my credit score. I have contacted the bureaus to update this however, I have not been successful.

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 2022-03-29
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX  {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX  XXXX XXXX   XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX  7 ) 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 explanation
Consumer complaint received 2023-02-10
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
MY Wife and myself got this loan in XXXX and payed XXXX plus some extra per month My wife passed in XXXX and left a large debt because of her medical costs no life insurance for her so by that time I've payed the total of XXXX dollars and from XXXX to XXXX I payed another XXXX for a grand total of XXXX so far and they say that I still own them XXXX left to pay the loan was for XXXX XXXX and if have to pay any more I think that it would cost XXXX total of XXXX and that's with out the interest they would add so the XXXX I got would cost me about the total of about XXXX plus dollars for a XXXX dollar loan would be the cost of 3 times the amount when is this OK thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Risecredit, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2019 I called and asked if there was a way to lower my payments due to hours being cut at my job and then the owner of job site is considering closing for some weeks because of the current corona virus situation. I was told I couldnt lower my payments because I didnt qualify because my account is a credit line. I was then offered to to do an extension which means on the next due date of the loan payment I would be paying double ( My loan due dates are the XXXX and XXXX of every month ). I thought this was outrageous. The representative was very understanding of the situation and she did go to her supervisor to see if I could qualify for further assistance but I got denied. I am a customer who hasnt had any issues with paying but I was calling to try to get help and to let them know my situation but the company wouldnt try to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Merchants and Medical Credit Corporation, Inc.
State: IL
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 sent the company the following letter - and I got no response. They did not validate the debt under FDPCA and ignored 1692G of the FDPCA. Please be advised this 1692g letter is for all!!! Accounts you have listed under my name that are inaccurate and now you are in violation of 1692 ( E ) subsection 8. I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. Additionally, according to Metro 2 compliance, you are not listing the first date of delinquency on XXXX  or XXXX  as required under Metro 2 - another reason for deletion.

Company response to consumer: Closed with explanation