BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: CARCO Group, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied to XXXX I been working for XXXX since XX/XX/XXXX I applied and been working I had to submit for a second background check for a position in the company which uses cisive formally known as cargo background check they do a end of life background check I identified my info and made my record known to the company and to the background agency the agency is reporting inaccurate information about my conviction and its hurtful and taking away opportunities from me to rent or hold employment due to the inaccuracies on my report showing my conviction twice from my XXXX XXXX XXXX conviction stating that I got off probation In XXXX when I was released and case disposed back in XXXX this is in accurate and now my quality of life is affected and my conviction was charged in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Lincoln Financial Services
State: MA
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:
Lincoln Financial Services repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score XXXX point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score XXXX points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I used the bill pay feature from Capital One to transfer {$1000.00} from my Capital One personal checking account to my XXXX business account. The money never made it into my XXXX account. I have contacted both financial institutions and they each say that the fault is on the other. Capital One has provided me with a proof of payment. When I gave that to XXXX, they stated that they have done an extensive search of their national data base and have not been able to track down the payment. I even had a joint call between the XXXX institutions and we are at a stand still, both stating that there is nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A capitol one credit card was opened under my name. I have not had an active capitol one card since around 2017. When logging in to assess the situation two phone numbers were being utilized that were not mine and that I did not recognize at all. As far as I know capitol one closed the credit card that was fraudulently opened but suggested I report it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to Titlemax to borrow {$1500.00} against the title of my car XX/XX/XXXX. I was given {$3100.00} and now I owe {$15000.00} in order to satisfy the loan at 100 % interest, from what I am gathering online this interest rate is exorbitant and well above the legal maximum allowed. 

I also had another title loan in XXXX of XXXX with the same company where my Vehicle was repossessed by them, they charged illegal exorbitant interest on that loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted the law offices of XXXX and XXXX in Virginia at XXXX to resolve the unpaid balance of my Capitol One account. A male XXXX, XXXX XXXX failed to make a disclaimer stating the call was being recorded and any information obtained would be used to collect a debt. I advised him that multiple attempts to discuss my account had resulted in hang up calls. He located the account by first and last name after I declined to provide my SSN. He then verified the name, address and last 4 digits of the SSN on my account, apologized that other reps hung up and proceeded to hang up as well. The total length of the call was XXXX minutes and the call was " disconnected '' with no follow up call even though I asked that he confirm the phone number in case we got disconnected. This happened repeatedly and resulted in nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: OR
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  account # XXXX XXXX  XXXX XXXX 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 with out my written instruction.

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 2021-05-31
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance Owed : {$3900.00}, XXXX XXXX Balance Owed : {$7400.00}, XXXX XXXX Balance Owed : {$4600.00}, XXXX XXXX Balance Owed : {$330.00}, XXXX  XXXX Balance Owed : {$0.00}

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 2022-03-10
Company: Experian Information Solutions 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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2019-06-25
Company: Fay Servicing, LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
on XX/XX/2019 i spoke with a Ms.XXXX XXXX because i received a call at work that i may have to leave work to take my mother to the hospital. i gave her a call and she was upset saying that she had received a call from Fay Services that they had foreclosed on her home and she had to send them XXXX a year for Escrow and as well as insurance. 
But the thing is that the house is paid for and has been for the 35+ years. this is not the first time that Fay Services has gotten monies from my Mother she sent them monies before with them saying that her or my now deceased father had took out a loan from XXXX? i asked her and she said it never happen. 
moving forward i spoke to Ms. XXXX and was told that my mother had a mortgage i let her know that the house was paid off 30+ years ago she then said she had to put me on hold .after about 20 minutes she came back and said that it was for insurance i then inform her that it was a fire at the house and there was no insurance on the house until it was remodel she then said something about a " lean Policy " i asked her what did we need in order to straighten this matter up and she told me to send the documents i asked what documents and to either send me a email or a fax to my office and was told that in order to send a " Email '' it would involved getting it approved by the Government..Red flag ..i said how can i send the documents that you want if you can't tell me what it is that i should send, i then aske if it was a office that we could meet at eithe in the XXXX  area or surrounding area and the answer was no .i then looked up FAY SERVICES and found that it was numerous complaints on then so now i'm reaching out to your agency for help thanks XXXX XXXX as you can see in the doc it don't say documents its for i'm confuse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXXXXXX Spoke w XXXX  and opened dispute. Opened another dispute in XX/XX/XXXX XXXX  I requested account be deleted as it was incorrect and did not belong to me. 

Accounts incorrect are XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I want Experian and XXXX to immediately delete and remove all fraud alerts and blocks from my Experian and XXXX credit report, so XXXX XXXX Bank can access and get a copy of my Experian and XXXX credit report to offer me a credit card account and open up a new checking and savings account for me at XXXX XXXX Bank. So XXXX Bank can not access or get a copy of my Experian or XXXX credit report due to a block being on my Experian and XXXX credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX claims of owed debt in which I don't know about.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: OK
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 the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.

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 2023-09-08
Company: Experian Information Solutions 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-09-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-11-05
Company: EQUIFAX, INC.
State: MI
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 XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted the law offices of Glasser and Glasser in Virginia at XXXX to resolve the unpaid balance of my XXXX XXXX account. A male XXXX, XXXX XXXX failed to make a disclaimer stating the call was being recorded and any information obtained would be used to collect a debt. I advised him that multiple attempts to discuss my account had resulted in hang up calls. He located the account by first and last name after I declined to provide my SSN. He then verified the name, address and last 4 digits of the SSN on my account, apologized that other reps hung up and proceeded to hang up as well. The total length of the call was 7 minutes and the call was " disconnected '' with no follow up call even though I asked that he confirm the phone number in case we got disconnected. This happened repeatedly and resulted in nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was discharged via XXXX  XXXX bankruptcy on XX/XX/2022. 
Collector was notified via bankruptcy court at the inception of filing. 
Collector refused to update status of debt during bankruptcy proceedings.

Collector continued to collect on debt which violate FDCPA laws.

Collector stated debt status as valid although they were made aware of bankruptcy status during and after discharge.

Debt has now been discharged due to bankruptcy and debt is still be validated as owed and in open status ; although I have performed
numerous direct disputes through XXXX and XXXX. Debtor has been provided bankruptcy information and it is also public record for anyone to view and pull.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ok so I bought a XXXX vr system from Walmart.com and so I get the product but I decided that I want to return it because I didnt really like it so it turns out that its a merchant linked to Walmart.com so I checked the contents and a usb cable was missing to begging with so the merchant said how can that be? Im yeah I want to return it cause its incomplete but anyways I changed my mind about and I just want a refund and return it so the merchant says ok heres the rma # and I return it I also had to pay the shipping to return about {$29.00} dollars to ship it back so I talked to the merchant on why I havent got a refund and they said this to me that ITS NOT THE SAME PRODUCT THAT THEY SEND ME AND THAT THE SERIAL # S DONT match when Im fact I send the merchant exactly what the same item that I got so synchrony bank says there gon na look into it and I just got a letter from them saying that they cant give me a refund because I still got the product that the merchant sended me WHICH I SENDED BACK TO MERCHANT? So neither the credit card or the merchant want to give a refund what can I do? The disputed amount is {$220.00}

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 explanation
Consumer complaint received 2023-03-16
Company: Diversified Recovery Bureau LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX stated they had no debt with me yet XXXX XXXX and Diversified Recovery Bureau are trying to seek money owed after the company stated I did not owe them. I don't believe the amount they are seeking is accurate and I've not received anything in the mail and the notice is sent to my email. 
In 2021 I filed complaint against XXXX XXXX XXXX the response from them was there was no debt to them. I was XXXX  and XXXX  during this time and could not receive mail or supply any more information due to homelessness, being XXXX, XXXX  and my wife XXXX XXXX XXXX didn't receive anything. She also left the state of Idaho and has tried to bankrupt me on purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation