BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged by XXXX after I was sent an email saying my booking was not confirmed or processed. I was then later without my consent charged by XXXX They refused to offer any resolution. After months of trying I contacted my credit card company and after showing them documentation supporting my claim I was offered no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Previously, submitted a complaint through CFPB reference # XXXX. Results came back with creditor stating that *account has been verified and validation documents have been sent to XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX. This address is inaccurate. Address is not mine! * stating that a dispute letter had been received on XX/XX/XXXX, saying that " I believed that my vehicle had been stolen by XXXX XXXX ''. This is false because my letter clearly said " this vehicle had been stolen from me and XXXX XXXX was aware of it " I had personally called and made XXXX aware that vehicle had been stolen by XXXX XXXX I just had no clue where vehicle was at this point. But, I new that vehicle was been tracked by XXXX so it wouldn't be difficult to find it. Therefore, I have not received any validation documents nor the notice to sell the vehicle, deficiency notice, a financial transaction history of the account and a copy of the bill of sale agreement between XXXX and NCB. Accurate address was provided to NCB when dispute had been done XX/XX/XXXX. Account continues to report inaccurate stating open account status by XXXX while XXXX report Closed and 120 days late by XXXX, account status and date open also report inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX was not allow to text or call my cell phone for an account I have with their office. I told the rep XX/XX/2022 I don't give XXXX XXXX  permission to text or call my phone. This company is sending me text messages. I didn't consent for XXXX to reach out to me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX   and Equifax. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company Dominion does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-05-16
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a a unverified account from I C Systems Collections #  XXXX . I had previously disputed this account. I have never done business with I C Systems Collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that I C Systems Collections #   XXXX **** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C Systems Collections Cease and Desist all further communications and collection actives and provide the verification of the purpo rted debt.

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 2023-10-06
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-08-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Original complaint ID XXXX Synchrony Bank Original complaint ID XXXX XXXX XXXX Missing credit of  {$1300.00} from XXXX XXXX. Here is the trace ID for the transaction on XX/XX/2023. 

XXXX XXXX claims no involvement and recommended I go back to Synchrony with this trace ID provided by XXXX XXXX. 

Here is the trace ID for the refund. The cardholder can provide this to their bank to trace the refund.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 2023-05-19
Company: Data and Contact Management Solutions, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First call was from a different number back in XXXX, unsure of date and time. Second call was XX/XX/XXXX at XXXX. Told them to quit calling me as I do not owe this debt. They called again XX/XX/XXXX at XXXX. Left message. Blocked and reported number. Called again today, XX/XX/XXXX at XXXX. Left voice message. Called again and told them to take me off their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Genesis FS Card Services, Inc.
State: NV
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:
In XXXX I called Indigo XXXX aka Gensis Bank, advised I was going out of the country to XXXX and provided the dates. Shortly before my trip ended on XX/XX/2022, my card would not work. They took payments but my card would not work. I called, I was told by a csr my card had a fraud alert and not to worry they would release the alert in 24 hrs. Since XX/XX/XXXX, I have called a total of 15 times if not more. I have been told my card works, no hold, there is a hold, a block is on the card, a new card has been sent out, a new card hasnt been sent out and ultimately escalated my issue several times to an account manager. I requested a new card be expedited and that took 4 days and advised that it would be 3 business days for an answer upon calling, on day 3 Account Manager named XXXX employee ID # XXXX, said oh yeah I will call you back today and that I had to wait. No call back was received on day 3. I received a call back from a XXXX he stated no phone number or extension made no attempt to help me. So I call back and speak with another account manager he states my card has a block and can send me a new one in 15 days. Absolutely unacceptable. No one at this place took accountability, gave out consistently wrong information and made no attempts to actually help me. They are located in XXXX and the XXXX, Im scared these people are selling personal information. 30 days I tried to get what should have been an easier solution but instead was given the round around, wasted my time my energy, while they pretended to care and figure out the issue. Id like to report this company as in this time frame they took my money with no problem, and fraudulently advised wrong information as to the status of my account. Their online system is of the dinosaur age, no notification that my card didnt work, no text message no follow up by phone, email or mail. This company needs to be investigated. I find it interesting my credit had shoot up, my other card with XXXX two credit increases and low APR. Indigo with Genesis never changed my credit limit nor adjusted the APR. I 100 % believe they are scamming and selling information of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: BMW Financial Services NA, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BMW FINANCIAL SERVIC XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We have a Home Depot card and have used it to repair our home and buy the appliances necessary to sell our home. The limit is {$8000.00} and until this month ( XXXX XXXX ) we were always at or under the limit. We got an offer on our home, so we will need to move out soon and rent until we move out of state in the next year, pending my husband 's mandatory retirement from his job due to age. I have been checking his credit to be sure we are okay. Last night, I saw that his score plunged XXXX points since last month, down to XXXX, because we now show that we are at 136 % of our Home Depot credit limit. This is after I made a {$570.00} payment on XXXX XXXX, which should have brought the balance to {$7600.00}. I learned that this is because they have added {$2900.00} in deferred interest charges because we did not pay the promotional balances within the 24 month time period. It is enough of a hit that we have to pay the HUGE amount of deferred interest as though we irresponsibly purchased some expensive, but to also DESTROY our credit as a result - this is a predatory, abusive, and deceptive act. Making matters even more unacceptable, I asked, just last month for a credit increase of {$3000.00} which was denied. This would have made it so I was under my credit limit for reporting purposes. They denied me, then added {$3000.00} on anyway, and now charge me 26 % interest on this interest! And {$3000.00} is SO MUCH MONEY there is NO WAY I can just write a check and resolve this. This will continue to destroy my credit for the foreseeable future. This is ridiculous! Now I do n't even have the credit score to rent a house for my family because of this.

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 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I would like for it not to be on my credit profile as it was related to covid at the time, will they please delete off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
today on XX/XX/XXXX XXXX  2023. I contacted Netspend about a prepaid, debit visa card given to me as a graduation gift. After calling netspend a multitude of times, I was asked the same questions over and over again saying that my information was protected by the patriot act however, after consulting with my father and his attorney, I realized that the information that I gave to netspend could be used for fraudulent activity, and I wanted to file a complaint, and potentially in the future, if my information is used, a civil suit against them. They are known to withhold money from clients and also use their clients information to conduct fraudulent activity. I wanted to get in front of it and make a complaint before that was able to happen because they have my Social Security number. They asked for personal documents to be sent and which was a red flag and that is why I am contacting CFBP. I asked multiple times on the phone of why they needed this information and they just kept saying that was protected by the US patriot act. They never gave me any answer, and basically said that the card would never be activated if I didnt give them, proof of residency, a picture of my drivers license, and a picture of my Social Security card, please let me know what to do. I am interested in potentially filing a civil suit.

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 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over 6 credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act 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 : also states a consumer reporting agency can not furnish an account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Mountain Run Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute a charge of {$460.00} on my XXXX credit report that was once removed off two of my XXXX and XXXX account when I was with/under the XXXX XXXX XXXX from XXXX in a half year. Now that I no longer with the XXXX XXXX XXXX, the company Mountain Run Solutions add the {$460.00} back on my XXXX credit. 
The {$460.00} charge goes back to over 12 years. I sold my house back in XXXX. In XXXX is when I received a letter from XXXX XXXX that indicated I had a balance. I even tried to work with XXXX XXXX to make payments because I wasnt aware of a balance was due for payment. They were not negotiable with me making any payments they wanted the funds in full. I wasnt aware that a company can collect a debit after 10 years. 
Can someone explain how can something be removed off your credit when Im paying the law firm to so call fixed my credit but when I stop paying them the hard inquiry be back on my XXXX score? 
Please remove the hard inquiries back off my credit score since the charge is over 12 years or longer. 
Please help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Alleged Derogatory Late payments, Charge Offs and Utilization deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and / or civil rights, making you liable up on my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least {$1000.00} + per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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