BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX with XXXX XXXX XXXX on behalf of Capital One are conspiring to force through a frivolous law suit against me. 

On XX/XX/XXXX Capital One filed a motion to dismiss which was granted on XX/XX/XXXX. However, they are still stating that I owe this debt despite the fact that the dismissal THEY requested was granted.

They know this is well past the 6 years for the Statute of Limitations on debt in Indiana, ( originally filed on XX/XX/XXXX. ) They have no genuine merit or basis to collect on this and are intentionally dragging out the process as an intimidation and scare tactic against me. This is simply a covert approach for nefarious activities to exploit and extort the consumer. These are reckless, deranged and deliberate advances at all levels. 

Therefore, I am requesting that this matter be negated and rescinded on all effective levels with the support of the Consumer Financial Protection Bureau and with the Indiana State Attorney General and that a letter stating I no longer owe this debt and this matter is officially closed be sent to me immediately. Furthermore, their actions should be met with the full force of prosecuting judgments of the just based on their deceptive advances on all effective levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX. of XXXX Ny illegally obtained my credit report under false pretenses resulting in a hard inquiry to my credit report. They used the excuse for obtaining report as child support than proceeded to send me a letter in XX/XX/XXXX that they were going to have my accounts frozen. When I went into office in XX/XX/XXXX with the letter, I did not know they had already ran the report without my knowledge or permission. I do in fact have an old medical bill from when I was a child that my parents paid up until my mothers death when they came after me for payment. By the time they MADE me responsible for the bill the interest had raised the bill to over {$10000.00}. I now have the remaining balance down to {$4400.00} on this day. There was a judgement against me for this which has been lifted since I have been faithfully paying and the time has expired. I have been in the process of buying a home and this hard inquiry came up. When I went into the office XXXX first told me it was a mistake and it will be fixed. Within the hour I went back for further information about the hard inquiry. Than a Mr.XXXX   tells me while holding the proof in his hand in email form of said credit report inquiry that, they did not do that than he goes on to tell me, we can do whatever we want, and have a nice day. I have not contacted or spoke to anyone in the office since the day nor had they tried to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Like in XX/XX/2019, I received over the mail a promotion for an XXXX credit card. They offered me XXXX miles if I was approved for their citi/XXXX credit card. 

While submitting the application online, the system did NOT approved my application with a note that an agent would contact me. Like 10 days or so later, I received a welcoming docs over the mail Citi " Premier '' credit card instead. At that moment I remembered that it happened in the past when I also applied for the Citi/XXXX card online and Citi sent me a different card that I also rejected! 

I called them asking for an explanation, and they let me know that in order to get that promotion, I must have not owned or applied for the " famous '' Citi/XXXX in the last two years. So, I let them know, if I did NOT meet the requirements to apply, 1 ) why they sent me the offer ...

2 ) why they took the liberties to approved me for a different card without my consent! 

So, I canceled that credit card. My credit scored suffered for nothing! 

At the end, I have to call them again, because I received over the mail a statement with the charge of {$95.00} for the annual fee ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Law Offices of Crystal Moroney, P.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While checking my credit report, I noticed an XXXX report of allegedly returned check from XXXX reported by law office of Crystal Moroney located in New York. I contacted both XXXX and my bank and they do not have any record of the said debt. I tried to contact the law office of Crystal Moroney and their phone number does not even work. I believe this is a scam. I don't even use check to make purchases. I always use debit or credit card and so if I don't have the funds it will not be approved automatically. I think this law office is a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received repeated calls trying to reach my partner on my personal phone number, this information was never provided to them. During phone conversation they was insisting that my number was provided to them. I verified with my partner that my number was never provided to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08
Company: World Omni Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX financial keeps calling me after I asked them to stop. They call 6-7 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX sent a notification saying my credit score changed. When checking the credit score, it stated on XX/XX/2019 I had two hard inquires from XXXX XXXX and XXXX XXXX XXXX XXXX . The issue is that I have a cell phone however I am not the primary on that account, so requesting an inquiry for two different companies does not make sense. Please advise on how to handle this situation. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Nelnet, Inc.
State: CA
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 sent Nelnet a letter on XX/XX/2017 informing them of the inaccurate information on my credit report and requesting validation. No response was ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: CA
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: Information is incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX   XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}

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 2018-06-20
Company: EQUIFAX, INC.
State: CA
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:
Equifax has reported inaccurate information for 3 years past the statue of limitations on ( 2 ) accounts. They have allowed XXXX XXXX XXXX to report inaccurate information and illegally try to park old debt onto my account. I have a letter from the original creditor, XXXX, that these two accounts were closed in XX/XX/XXXX and XX/XX/XXXX. They were then sold to numerous collection agencies. Both accounts were removed at one point, and XXXX XXXX XXXX bought these accounts and reported inaccurate information to get Equifax to report on my credit file once again. They have continually not investigated properly the age of the accounts, the dates of the accounts, nor any of the history of the accounts.

I will attach the letter from XXXX. Please remove both accounts from my credit profile. 
If I do not get a removal of both of these accounts, I will seek a consumer debt lawyer and file a lawsuit against Equifax for now knowingly reporting inaccurate information in my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved from XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX XXXX to notify them of this move and to find out about the transfer of service. I was told they did not offer Internet Service, Only XXXX XXXX. I wanted to have bundled services ( TV + Internet ) which they could not offer. Because they could not offer Internet Services, I was told that I could terminate my current services in XXXX without an early termination penalty, which I did. After moving, XXXX XXXX XXXX started sending me a bill for {$400.00} for the early termination charge, which eventually went to a collection agency, XX/XX/XXXX, XXXX XXXX XXXX XXXX. I disputed this claim and the debt disappeared from my credit report and I thought they had withdrawn their request for payment. On XX/XX/XXXX Diversified Consultants of XXXX XXXX began a second attempt to collect this debt. Again I Disputed the claim ( Report # XXXX ) but the Dispute results provided by XXXX  favored Diversified Consultants claim. I called Diversified Consultants to try to resolve this claim but was met by a representative of the company that only would tell me over and over again that I owed the {$400.00} and to pay it. I called XXXX XXXX XXXX and found that the debt had been recalled by XXXX XXXX XXXX, the dispute had not been closed in my favor. XXXX XXXX XXXX improperly charged me an early termination penalty and never provided me with a clear statement of why I should pay this charge since they could not offer similar services in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A fraudulent auto loan was taken out in my name stemming from my wallet being stolen some years ago. I have yet to have the matter resolved even after sending the credit bureaus and the financing company documentation.The account wasn't paid and is effecting my credit rating. I've suffered damages due to negative and inaccurate reporting and would like this matter to be quickly resolved with Automobile Acceptance and the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had an Amazon store credit card since XX/XX/2016. It is managed the Sychrony Bank. I have had my limit increased from the beginning of {$1000.00} up to {$1300.00} dollars. I have repeatedly always made my payments on time. They have reduced my limit now 3 different times and are damaging my credit score everytime because of reducing my open availability. There is no warning or reason given as to why they are decreasing my limit. I have had it with major corporations damaging the ability and credit of regular people making their payments on time. The current FICO system is flawed as it is. We as consumers do not need to be at the mercy of big banks making it worse for us to keep our credit profiles up. It is easy for them to bring or scores down quickly but it takes an army to get them to bring it back up when we are paying our debt service on time. I want my scores update correctly by the bureaus and my limits restored so my credit score reflects it. This is not the only company that has done this to me. It was also the victim of this practice by XXXX XXXX XXXX XXXX XXXX. Apparently this is an inherent practice by banks on their customers that pay on time and pay their obligations off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: GA
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 have been contacting Experian since XX/XX/2018 disputing the accuracy of an account on my report. Ive been asking them to provide me with the method of verification used to determine the accuracy of the information they have against me. According to the FCRA section 611 ( a ) ( 7 ), if I request verification they must provide it to me. Experian has not responded properly to these requests. They are in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX  card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ), incorrect information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Experian Information Solutions Inc.
State: KS
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: Problem getting your free annual credit report

Complaint:
Every year I request my " FREE '' annual credit report through XXXX XXXX XXXX. Every year it is the same thing. I can not access my free credit report from XXXX. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through Experian to get a basic look at my three credit reports, it was not free. I tried to file a dispute to XXXX and to XXXX  and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.

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 2020-08-24
Company: Experian Information Solutions Inc.
State: IL
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:
During the Covid lockdown XXXXXXXX XXXX XXXX has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.

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 2020-08-24
Company: EQUIFAX, INC.
State: IL
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:
During the Covid lockdown XXXX XXXX XXXX has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I made 2 purchases using my XXXX XXXX XXXX provided by XXXX XXXX XXXX in the amount of {$57.00} and {$4.00}. I also made a purchase on XX/XX/XXXX for {$6.00}. All of these charges show as processed through my bank account. On XX/XX/XXXX I discovered my XXXX XXXX XXXX had been restricted due to non-payment from my bank. I contacted my bank and they show that all charges did go through as they are shown on my statement. 

The first time I contacted XXXX regarding this they told me I would need to wait a few days for it to clear their system and to call back later. The second time I contacted XXXX they told me to call back later because they were having system issues. The third time I contacted XXXX they told me that they showed payments still had not been received and that I needed to contact Complete Payment Recovery Systems, Inc. regarding the charges. 

Today, XX/XX/XXXX, I contact Complete Payment Recovery Systems, Inc. and they do show that all of my charges have been paid. However, 2 of the charges had to be " resubmitted '' and due to that I am being charged a {$25.00} fee. When I asked them about the fee they told me that XXXX had to notify me of the fee, even though they were the ones charging me the {$25.00}. According to the Complete Payment Recovery Systems , Inc. floor manager that even though they were the ones charging me the fee that based on " cfpb law '' they are not required to provide me with the terms and conditions showing where the fee came from and that XXXX would have to provide that to me. Even though this fee was being charged by Complete Payment Recovery Systems, Inc they assured me that they had no requirement to furnish proof of that fee and did not need authorization to charge my bank account directly. 

After getting nowhere with that call I contact the XXXX customer line again to ask about the terms and conditions of this fee. I was assured, by agent XXXX, that it was in the pamphlet that had been provided to me when I received the card, but beyond that they could not provide me with the terms and conditions. After repeated attempts with the XXXX agent trying to get some sort of back up or reasoning for this fee, even though my charges went through to my account, I was told that I would have to call back at another time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX I contacted XXXX, Equifax, and XXXX about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from Equifax and XXXX. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!

Company response to consumer: Closed with non-monetary relief