BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: Receivables Management Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2022-08-09
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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 DISPUTED CHARGES FROM XXXX. I do owe XXXX money but not the amount of money I being charged. Opened the claim XXXX XXXX. XX/XX/2021 XXXX XXXX Credit Card Company put the amount back on my card based on information they received from XXXX. Using that same information I again disputed the charge because I am being overcharged by XXXX. I was told the charge would go back into dispute. Today I received a letter dated XX/XX/2021 that the charges are back on my card card because I did not provide proof. I sent them all the proof they need and everything they asked for. They have the proof because they sent it to me. All they need to do is ADD the charges. The charges add up to {XXXX} plus {XXXX  tax for a total of {XXXX less a credit of {XXXX}, less a credit of {XXXX for a total owed {XXXX}. XXXX is charging me {XXXX. I keep asking the credit card company and XXXX where they are getting this amount and it simply can not be explained. I am willing to pay what I owe XXXX  but not for amounts that I do not know and can not be explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Both of my credit card accounts with Chase Card Services were recently closed. I was told that one of the cards was closed for delinquent status and the other one was closed at management 's discretion. Here are my reasons for not being able to stay on top of the credit card payments in a timely fashion... 

I ) ACCOUNT # ENDING IN XXXX a ) Account # ending in XXXX had some significant fraudulent charges and I was waiting for the credits to come through, II ) BOTH CREDIT CARD ACCOUNT NUMBERS ENDING IN XXXX and XXXX - a ) my oldest daughter had a nervous breakdown and I had to take care of her over the last 5 - 6 months. I have attached a copy of the durable power of attorney which authorizes me to act on my daughter 's behalf and hospital reports. 
b ) In addition to this, I have my own business and I been in an ongoing battle XXXX XXXX over the XX/XX/XXXX account fraud and the investigation is still going on. The fraud ( purposely set up in the wrong account ) has devastated my life and my business. I have attached of the complaints I filed with the CFPB on XXXX XXXX. 

Chase Card Services did not want to hear any of the family/personal issues I have dealt with over the last 5-6 months ; this issue actually dates back to XX/XX/XXXX when she had her first nervous breakdown and I have been working with my daughter ever since. 

Chase Card Services was very rude and insensitive especially telling me that they can close my accounts for any reason and/or at anytime. My problem with this is first they did not know all of the facts and second, they may have closed the account for the wrong reason. They told me that the system/computers makes the decision and there is nothing they can do and then I asked to speak to a human, a supervisor, who could make a decision after hearing all of the facts ; the supervisor gets on the phone and basically says the same crap about the system and management is free to do whatever they want with the account and the decision is final. I also offered to make a payment if they reopened at least one of the accounts and they refused. 

These were life-changing events and I was not able to handle these issues while helping my daughter. I have a business and at least one credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Capital Accounts, LLC
State: FL
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:
Back on XX/XX/XXXX I looked at my credit report and noticed it was an account listed in derogatory for {$2500.00} by a company named Capital Accounts LLC. They never reached out to me prior to this and damaged my credit. On XX/XX/XXXX I wrote Capital Accounts LLC and requested validation and a contractual agreement bearing my signature proving that I owed them a debt. On XX/XX/2019 they sent out a letter to me stating they had retained my account from a third party, I now owed them {$1200.00} and that I had 30 days to dispute the validity of the debt even though my first correspondence to my credit being damaged did this. On XX/XX/2019 I sent them out a second letter requesting validation and a contractual agreement bearing my signature proving I owed them a debt. They updated my credit report to show the account was in dispute and it now shows I owe {$1100.00}. The never addressed my second letter and sent me out a letter stating I haven't made any payment arrangements with them to pay the balance which is now {$1100.00}. As a result I am requesting this account be removed from my credit report immediately as I believe they are in violation of the Fair Debt Collection Practices Act, The Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: I.C. System, 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: Information belongs to someone else

Complaint:
I pulled my consumer credit report and found an inaccurate account listed. I've made several attempts to dispute this negative, erroneous, and unverified account by USPS Registered Mail. I ask that this re-aged account be immediately deleted. This account is hindering my ability to obtain funding, tradelines, and causing me to pay higher interest rates. This violation of the Fair Credit Reporting Act ( FCRA ) should be remedied. This account is also reporting differently on all 3 Major Credit Bureaus. 

ACCOUNT NAME : I C SYSTEM COLLECTIONS

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 2019-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I started speaking with the company early XXXX of 2022, mentioned my situation an told them I would reach out when I was ready to resolve debt after that Ive received frequent calls every following week sometime multiple times in a day, I finally answered an told the agency to stop reaching & theyre still contacting me every other day & company has never sent documents I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My capital one credit card was reported with a {$71.00} balance but my balance is {$0.00}. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried on several occasions to verify the said debt of {$1000.00} with Portfolio Recovery Associates LLC ( PRA ). In XX/XX/XXXX the item was disputed with all 3 major credit bureaus which should have triggered a full investigation to validate the debt. PRA simply responded with a copy of a statement showing a balance of {$1000.00}. They indicated the debt was transferred from XXXX XXXX. This balance of {$1000.00} is being disputed. I have asked PRA to provide detailed statements showing how the balance was accumulated. Their documentation is not sufficient. The most recent statement which is dated XX/XX/XXXX only shows a final balance. The debt was disputed again in XX/XX/XXXX and I received another statement in response to the dispute. I sent these statements to the credit bureaus in XX/XX/XXXX and advised the debt is being disputed. The credit bureaus claim the debt was validated but they have not verified their method of validation. This information requested needs to be provided or removed from my credit immediately as this is a violation of FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Ability Recovery Services, LLC
State: MI
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:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

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 2019-10-24
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a XXXX XXXX  for 3 years and vw credit. payments made perfect and on auto pay. never a issue. Then I get an XXXX. Its Vw credit or is it audi financial services, who knows. Poor poor communication.. The Truth is  there the same. The dealer handled everything and we did the auto payment again.. By the way they report as Vw credit on credit report but they claim they are Audi financial services. Well The lease was getting going and I had to make the first couple payments per dealer so all the paper work would kick in then the auto pay would start. Well then I did paperless billing which is a mistake because somehow the XXXX and XX/XX/XXXX was not taken auto pay as I understood was going to happen. I didn't get any email that would have alerted me that a payment was past due. They just send a email like access to see monthly statement. No alert whatsoever. Must be saving on employees and as result poor service and communication. I regret I did there paperless because if I was getting the regular mail I could have spotted it. Now I changed it back to mail because I dont trust Audi. Then on XX/XX/XXXX I just so happen to answer some ambigiuos telemarketing call, well yep it was a robo call ( saving money on employees perhaps ) and it was audi financial service saying that I was due for 2 payments which shocked me. Whats interesting is they had my bank account information but didn't take the payments. There system and web site is very unclear.. could be a XXXX disconnect thing, I Dont know. Then I needed to call Audi and tell them its ok to make payments and I get mad why they were not auto taking the payment like I have done for past 4 years. Instead I get some arrogant know it all sounding person and then when I asked that I should not be reported late because this was there technolgy servicing failure in addition failure to communicate they refused.. Its there sales people and there technolgy that failed and failed me.. No more Audi 's or Vw ' ; s I was so mad. Cant rely on sales people, cant rely on servicing and all there passing around of financial paper and then Im the one that had my score drop 80 points because of there screwed up sytems and process.. VW credit reported on my credit. Vw credit was given FULL authorization and it worked perfectly. But they like to pay the game to say they are not VW credit instead they are Audi financial service. Well if thats the case and they are not all one then why are they incorrectly reporting a late payment that should have never happened if they were competent to my credit and handling the account ... LAZY mixed up company out of touch with a good  credit never late paying client.. Foools I have disputed late payment with all bureaus and want that late removed.. I asked them for removal letter and they refused ... unbelievable company.. well they loose, no more audi or vw EVER

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts  We found 1 change to your XXXX credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved 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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2023-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$3300.00} XX/XX/2020 I DO NOT HAVE SS XXXX 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased 4 bar stools on XXXX XXXX, XXXX for a Total of {$420.00} on order # XXXX. I never received these bar stools for this order. I have called and emailed the company as well as XXXX to try and locate my order. The first call and email was on XXXX XXXX, XXXX, then again on XXXX XXXX, XXXX. I received an email from the company on XX/XX/XXXX asking how many stools did I receive. I responded back by stating I didnt receive any bar stools and requested a refund. On XX/XX/XXXX, I received an email from a XXXX from RTG stating that XXXX had located the package and it will be delivered. I emailed back asking when they will be delivered. I called XXXX and they couldnt provide me a status. I emailed XXXX again on XX/XX/XXXX stating I have not received anything as of yet. I even called and left a message on XXXX XXXX. I have not received a call or email back. I have been trying to request a refund, since I never received my order, but it has not been successful. I keep getting told that I have to return the product in order to be refunded. Well, I dont have anything to return, since I never received it.

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 2018-03-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did apply for a credit card online, trough care credit website, to cover my dental bills, I was approved at the moment but this is not the problem, i have been having troubles making my payments online, their system doesn't allow you to complete your payment process, and then if your payment doesn't process they charge you late fees when you tried to make the payment on time. 
My last bill was due on Saturday XX/XX/2018, when i logged in on my account to see my balance and make a payment, i was chocked by the increase from one month to another, when i checked on my XXXX transactions I found out that the interest charges for a month XXXX XXXX XXXX was for the amount of {$1300.00} calculated over a balance of 2,600.00. 
they are charging abusive interest rates and late fees, and the system works perfectly when you apply for credit but not when you tried to make payments online. 
thank you.

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 monetary relief
Consumer complaint received 2022-10-07
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:
15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

YOU ARE IN VIOLATION OF THESE LAWS PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Company 's keep saying I'm apparently things the only place I applied was XXXX XXXX XXXXXXXX. The other i have no knowledge of

Company response to consumer: Closed with non-monetary relief