BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have called a lot of times over the past five years trying to get my cards with Capital One to work. Stay on the phone for hours at a time without getting the problem fixed. It has something to do with my phone number I think. They say it is not mine but I know that I have had it a very long time, over five years, I know. It was a XXXX number from Walmart and then I swapped carriers and kept the number with Walmart Family Plan. Capital One took over my Walmart card in the last month and now I can't login online to pay it because of the same issue. They say there is a restriction on my account. I have asked them to take it off and nothing happens. They keep asking for my phone number so they can send me code on my phone but they could never get the account fixed. In the past I have had to send them copies of my drivers license and some other documents and I think that they asked me to send a copy of my SS card and I said no way that I am going to send that online and to an overseas location ( XXXX Maybe ). They said that they never got them or it was not what they asked for. 
I just want it fixed so that I can pay my bill online. At this point I am not sure if I can even use my Walmart card but I do know that they are sending me a Capital One card to replace it and when that happens, I will not be able to activate it because of the same issue. I have cards now from Capital one that I can't use because of this so called restriction. I am sending a letter to the CEO of the company today to the main office. 

Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Aargon Agency, Inc.
State: FL
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  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX DATE : XX/XX/XXXX AARGON AGENCY {$650.00} ORIGINAL CREDITOR : XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY {$650.00} ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX   SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Associated Credit Services, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been having difficulty making payments because my mortgage modification has come to and end and has impacted me financially. I recieved a letter in the mail by Onemain Finacial by the district manager in XX/XX/2019 that they can lower my payments or the interest rate to make it easier on me financially and when I called to ask for help they said to me that I would have had to have lost my job even after I explained my hardship with my mortgage increasing. So I tried asking for a payment deferral and arrangement to have my payment taken on XX/XX/XXXX and deferr the payment for XXXX. They sent me something to sign electronically but it wouldnt work and I explained that to them it wasnt working when I went online. So I made the payment myself XX/XX/XXXX and then they took out an additional payment from an account of mine that I didnt authorize. They didnt verify the account or anything they just took a payment from another account which I changed a long time ago because it was an account I dont use. They have caused me further default now in income and to look bad at my job where I work. I have also asked they not contact my job and they continue to do so. This is beyond unethical and should be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for a mortgage XX/XX/XXXX. At that time I was notified by XXXX XXXX XXXX, that there was a problem with my credit history. 
They stated that Synchrony Bank/XXXX XXXX  was reporting my account as I was deceased. 
XXXX XXXX closed my account by mail in XXXX, and my account at that time had a zero balance. I never used that closed account again. 
XX/XX/XXXX, I called Synchrony Bank/XXXX XXXX and asked why they were reporting that I was deceased. They could not answer me. And I asked where they received that information. They refused to tell me.

I now have just received a letter from Synchrony Bank/XXXX  XXXX with  inaccurate information. Which was never reported. They are now reporting as if I did not pay them. This is not true.

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 2018-01-25
Company: Big Picture Loans, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Received a collection call from XXXX XXXX XXXX   that I didnt receive for over {$1200.00}. 
I applied for the loan but didnt receive it. Now I think they will try to take it from my checking account. They are listed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: PA
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:
hello my name is XXXX XXXX, and I recently pulled my credit report and noticed that the following accounts are reporting inaccurately. there are 6 things thats need to be removed from my credit report : 6 Us dept. of Education accounts, if you look at them everything is reporting differently on all 3 credit bureaus, you, XXXX and transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: NC
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 sent multiple letters to Experian National Consumer Assistance Department XXXX  Consumer Relations, and XXXX XXXX XXXX XXXX about multiple unknown collection accounts that have been reported on all three credit reports. <P/>Experian National Consumer Assistance Dates : Certified Letters : X/XX/2017,XX/XX/2017. Online disputes : XX/XX/2017, XX/XX/2017, XX/XX/2017,XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} closed unverified ) XXXX Consumer Relations Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} open unverified ) XXXX XXXX XXXX XXXX Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017,XX/XX/2017, XX/XX/2017,XX/XX/2017, XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ), XXXX XXXX XXXX XXXX ( {$160.00} closed unverified ), XXXX XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with XXXX, Experian, & XXXX credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only XXXX but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: World Omni Financial Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have called and mailed XXXX, XXXX, XXXX, and World Omni Financial Corp. regarding this account on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We had a lease with Hyundai XXXX which was paid in full as of XX/XX/2019. After the car was returned we received a bill for over {$600.00} which included not only a lease end fee of {$400.00} but also a ridiculous charge for a small scratch which we were told by XXXX XXXX XXXX XXXX Pa that there would be no charge due to faulty equipment and the size of the scratch. Hyundai also owed us {$50.00} for a promotional test drive which we took in XXXX but was never received. Hyundai just opened that promotion again. The {$400.00} lease end fee was never explained to us by the XXXX XXXX salesperson, and in fact we had prior leased XXXX in which there was no lease end fee or other problems. We did initial the contract small print while signing the many documents so legally we owed this money and paid it. We sent a letter with the amount billed stating that our check for {$350.00}. ( {$400.00}. minus the {$50.00} owed by XXXX ) was the correct amount due as per XXXX XXXX and if cashed would be paid in full. Next, Hyundai sent us a  bill for the difference of over {$300.00}. They failed to recognize our complaint about the scratch and after this a neck injury caused by the faulty equipment. 
The most important fact is we paid the erroneous balance to protect of near perfect credit rating. Hyundai failed to remove an amount due and it still appears on our credit rating and must be removed. We are seniors and worked our entire lives to have superb credit only to be damaged by an erroneous charge and claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX  since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. 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 explanation
Consumer complaint received 2019-10-19
Company: EQUIFAX, 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 sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation  presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to make contact with the Collection Company by sending a Letter of Validation for which I sent via USPS with a Return Receipt : XXXX XXXX XXXX-Original Creditor Southern Credit Recovery-Collection Agency I never received prior notification regarding this debt. I do not owe this debt as my medical services were completely paid in full. I have sent a letter to them and they have not responded. I XXXX the address of the creditor and they are not verifiable. I should have this debt cleared from my credit report, this is an error and fraudulent. 

The address that is listed on my credit report is the following : XXXX XXXX XXXX XXXX, LA XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Verisk Analytics Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2021 I got an online insurance quote through XXXX XXXX it showed a violation from XX/XX/2021 with the number XXXX to call if you needed more info I did she then gave me XXXX that was a recorded message with instructions how to request your report. The web address given was XXXX then additional instructions on which tab to click on. Here 's the problem that web address redirects you to the employment verification or sales department. I tried the online chat to tell them I left 3 voicemails. the web address you have here on your consumer website has the exact link that redirects you. You can not request your personal driving or violations report with this web link address. Therefore you can not get your report to verify or object to the claims on said report. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: CITIBANK, N.A.
State: CA
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 have been trying to get a credit card open with Citibank and I was denied, cause of a credit score. After calling Citibank I was told something was in collections and to call XXXX. After calling XXXX multiple times I was unable actually get a hold of someone to tell me what is in collections. XXXX even gave me the option on the automated message for the hearing impaired and I hit that button and XXXX hung up on me saying " we are unable to help you, goodbye ''. Then I am calling Citibank to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now Citibank refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.

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 2019-10-19
Company: JPMORGAN CHASE & CO.
State: NY
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 had tried using chase credit card to purchase something from XXXX, but when I got the order the sunglasses what I ordered did not look brand new and was pretty evident it was used where as the description on the site said new! 
I called up XXXX and they said return the product and we will issue a refund.The sunglasses were returned back and now XXXX says they will issue me a store credit forcing me to buy something from them where as, I as a customer dont want to buy anything from XXXX as I feel their products are not as per the mark they advertise on the website. 
I disputed the charge with chase asking them to get the money back on my credit card and I dont need a store credit as the customer service rep from XXXX informed me the money would be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
hello my name is XXXX XXXX, and I recently pulled my credit report and noticed that the following accounts are reporting inaccurately. there are XXXX things thats need to be removed from my credit report : 6 Us dept. of Education accounts, if you look at them everything is reporting differently on all 3 credit bureaus, you, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation