BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cancelled my XXXX XXXX in XX/XX/XXXX. They created a new account in my name by mistake. This was fixed in XX/XX/XXXX, and confirmed by XXXX. However their accounting still send me to a debt collector ( again by mistake ). This was fixed in XX/XX/XXXX. Same info has been communicated to the Debt collector. But they do no care and keep calling me 2-5 times daily. When I tell them that the issue has been fixed they simply hang up on me. 
half the time they are rude, and sound XXXX to be honest. I have blocked all the numbers they are calling from, but still calls are getting through from new numbers. I consider this as harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Capital One Auto Finance illegally repossessed a vehicle that I had financed through them. They are and were in violation of Fair Debt Collection Act, Fair Credit Reporting Act, and Antitrust Laws. The bank has continued to illegally monitor my accounts beyond the scope of what is necessary to conduct day-to-day operation and violate my privacy rights by disclosing sensitive financial information to their affiliates. 
With respect to the vehicle that was repossessed, Capital One repossessed the vehicle in state outside of venue for the contract. They repeatedly harassed me through mail and phone calls despite being asked not to ( also in a state outside of venue ). They violated my right to privacy by tracking and monitoring my physical location illegally They breached my contractual right to third party arbitration although I requested this. They are in violation of my right to due process by continuing to threaten legal action and taking none. They are also in violation of the Fair Credit Reporting Act by continuing to report negatively to the credit bureaus on the account past the reasonable scope of law. 
In addition to this Capital One retaliated by reporting a missed payment on a Credit Card account that I had maintained as current with them for over twelve years although there was no missed payment on the account. This is an accounting tort of law where they adjusted a bank ledger to reflect events that did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax  data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I have an account with Chase credit card # XXXXXXXX XXXX XXXX XXXX.I noticed multiple fraudulent charges made totaling around {$19000.00}. One of the main indications that these charges were not made by me is that some of them happened at non-kosher establishments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX amongst others ) .I strictly observe XXXX, and would not eat or take food to go that do not have certified XXXX certifications. There were also large charges made at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and some clothing stores ) I tried disputing this with Chase explaining that I did NOT make those charges. I called numerous times but they gave me the runaround. As of yet they still claim I owe them {$19000.00}. 
I met with a Chase representative who agrees that these charges should be dropped. His contact info : XXXX XXXX XXXX ( officer ) XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX cell : XXXX office XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: CCF Intermediate Holdings LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
this was discharged in a XXXX XXXX bankruptcy in 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
While visiting XXXX XXXX in XX/XX/XXXX we billed all charges to our room, including all food and beverage, so we wouldn't have to carry a credit card as we visited all of the parks. At the end of our stay the total for those charges was billed to the credit card that I specified when we checked in, my Capital One Savor MasterCard. That card gives cash-back credit for various kinds of purchases. It gives 4 % on dining and entertainment but only 1 % on general purchases. Because our XXXX XXXX dining charges were billed to our room Capital One classified those as lodging and only gave 1 % cash back instead 4 % cash back. The 25 individual dining charges amounted to XXXX, so instead of earning {$24.00} we earned only {$6.00}. 

I called Capital One on XX/XX/XXXX and spoke to a customer service supervisor named XXXX to ask that they reclassify the dining part of the charges so we would accrue the higher percentage of cash back, since this is how they promote the Capital One Savor card. He said that the only way to correct this is to have XXXX refund and re-bill this to Capital One as dining. They know that XXXX will never do this. I offered to provide the billing details that XXXX emailed to me that clearly distinguishes the food purchases but they said that there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-22
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: Account status incorrect

Complaint:
Experian Report # XXXX Date : XX/XX/XXXX XXXX XXXX/XXXX XXXX is an account that was or no show of ( ND ) No Data since XX/XX/XXXX and the account is past 7 years. 

Experian last report was XX/XX/XXXX and the the account show ( CLS ) Closed.

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 2020-06-26
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I paid off all my debts with RMP services for a total settlement in the amount of {$1800.00}. I called several times after that to get confirmation as to when they report and nobody would give me an answer. I then reached someone that I told that I just wanted them gone from my credit report to which she responed, " I bet you do ''. I then asked when that would happen and she said probably by the end of the month. I sent an email to XXXX XXXX, Operations Manager, whom had responded to my XXXX  complaint asking for her help in the matter and asking her to listen to my recorded conversations with their representatives. I didn't get a response. I then filed a dispute with XXXX  and XXXX. RMP Services deleted 4 of the 5 accounts I paid from XXXX. The one they left was the one with the highest balance and not only did they not delete it, they reported it on XX/XX/XXXX as unpaid! They falsely reported the account to XXXX and now I am considering legal ramifications. This needs to be removed immediately on XXXX  and all 5 accounts removed immediately from XXXX. Falsely reporting to the Credit Reporting Agencies is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
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: Reporting company used your report improperly

Complaint:
I contacted Equifax on multiple occasions since XXXX, they have infringed on my consumer rights. Their harmful knowing negligence and knowing noncompliance of FCRA and FDCPA regulations have severely damaged my credit, defamed my character and violated my consumer rights. This has stressed me out and has caused me serious monetary damages. They willingly reported false and harmful information on my credit report. I have kept all records and correspondence between me and them. They inserted multiple false reporting without doing an investigation into these accounts. By federal law they can not report any such activities on my consumer report without first 100 % verification of accuracy of said accounts. Once I contacted them they came back and said these accounts were verified on several occasions. I asked how they were verified and whom verified them. I never received any return information. They then came back after proving through federal law that they had no right to make such inaccurate reports and removed these accounts. They were knowingly breaking federal consumer laws which governs them for financial gain from these false reports. I will also have a complaint file with my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I only use my walmart store card to keep from having it cancelled. My sons a college student had his card cancelled for non use. I made a small purchase in XX/XX/XXXX and paid it off. Made another small purchase in XX/XX/XXXX and thought i paid it off online via wlamart.com but that seemed not to work i didn't receive a statment after that probably the mail courier.i have an apartment style mailbox system where i live. Nevertheless. So i thought all was good until credit sesame showed a past due report.i was out of town at the time. so i immediately searched walmarts payment site and paid the account in full. I also noticed that my {$400.00} account had been reduced to a mere {$110.00} just {$9.00} short of my now due payment which included aprox. {$60.00} in past due fees. So it appears that i maxed out the account by a $ 30- {$40.00} purchase. My credit dropped 47 score points from XXXX down to XXXX. From excellent to a fair rating.

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 2018-04-22
Company: Experian Information Solutions Inc.
State: NY
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 informed Experian that I want to court regarding the XXXX. XXXX account being purchased by XXXX XXXX.and their Attorneys dismissed the case without prejudice because there was no evidence of validation nor verification. They still have the account as a negative on my credit 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 non-monetary relief
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: OH
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:
The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened this account on XX/XX/2020 for XXXX with a payment of XXXX a month.Since then, I have made my payments on time and paid back XXXX as of XXXX my XXXX credit report as of XX/XX/2020 it states under upgrade trade line that i have a balance of XXXX.I should be alot less than that.It seems like.From begginning balance to current balance on credit report the loan has only gone down XXXXThey must be charging alot interest and it will take forever to pay off.Upgrade also charged me a fee to get the loan as well.This is a rip-off.So far, upgrade has charged me XXXX in interest.

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 2019-05-31
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Checking my credit report XX/XX/2018 with all 3X Credit Bureau 's, I overcame a account reporting a balance {$900.00} placed for collections, I've told them i have knowledge of this debt, Collectors harass me consistently while living my day to day life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX {$560.00} sent to the wrong recipient on Cashapp. 
I sent {$560.00} to the wrong recipient on Cashapp, the money was for my car payment. I emailed cashapp and they told me they couldn't do anything about the money that it was just lost money and I wouldn't get it back. I tried everything even contacted my bank and no luck getting the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, I received a phone call from this company several times and the first time I received a call, I requested for validation of debt, and also the representative that first called me could not verify my address nor my last four of my SSN and had an incorrect date of DOB, then the company still persisted to call me and again I told the agents I have already asked for debt validation and until you mail me the validation you should stop contacting me, furthermore, I also sent a letter via mail and email, asking for verification of debt and they finally responded with just a simple typed letter saying I owe this amount and when I called to resolve the issue another agent said she does n't know why all of this is going on and forwarded the call to a senior agent who then proceeded to tell me they will mail out the verification of debt and also when I told her why they are still calling me she said there allowed to, and started to argue with me, but sadly I did n't receive any validation following the phone call instead I received an email saying they ca n't provide anymore validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Eastern Revenue, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt at my former college, XXXX College. I couldn't make payments because i did not have a job at the time. they sent my debt to the collection agency XXXX XXXX, without my knowledge.. They never sent me any letters stating anything about my debt. fast forward to now, I need a copy of my transcript, they couldn't process because i owed a balance, I paid my balance in full which was XXXX $ on XX/XX/XXXX via the college 's website. and I called the school and they said it was sent to collections and i have to pay a collection fee, I explained I paid in full and some lady name XXXX XXXX who works at eastern revenue, was very rude wouldn't let me even explain myself and said point blank if I don't pay the XXXX $ they're not gon na remove my hold, even though I don't owe the college anymore ... My argument is, why should I pay an extra XXXX $ for a collection feee, they didnt collect? when I don't even owe the college anymore and they never collected anything nor made themselves aware that they were in fact collecting the debt ... .I have no type of correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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: Information belongs to someone else

Complaint:
I have been in contact with Equifax for the last few months attempting to get this inaccurate first commerce Account off my credit. 

XXXX and XXXX  has removed this inaccurate account. I have sent Equifax a letter from the first commerce stating the account was incorrect and it was an error. I have asked Equifax for supporting documents such as permissible purpose and original contract with my signature on it. They have not provided me with anything. I sent Equifax an affidavit along with information from first commerce with the company heading and logo stating this account was inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: RIA FINANCIAL
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Some thieves stole the identity of a friend to disguise himself via my friend 's cell # and text. Because I trusted my " friend '' I wired {$1000.00} from a XXXX to another XXXX located in XXXX XXXX, Texas. Fictious names and addresses were used. The money was picked up 10 minutes after I wired it and I am sure XXXX has video of the person picking it up. These theives are still contacting me wanting more.They took the last of my savings. I don't understand why the local police in XXXX XXXX can not be at the XXXX when she picks it up. The theives are working out of XXXX.They are stealing from a scam called " XXXX XXXX ''. They have tried before through social media and I knew that was a scam. But since my friend texted me, I trusted him, he's an attorney.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.

Company response to consumer: Closed with explanation