BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no balance due with the referenced biller. No debt validation has been received. The company has been advised not to contact me by any means other than USMail, but continues to call my phone and the phone number of a former employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: TN
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:
Dear Experian and XXXX, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXXXXXX XXXX. I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX : Acct # XXXX {$1200.00} XXXX : Acct # XXXX {$1200.00} Equifax XXXX Acct # # # # # # XXXX {$1200.00} XXXX  XXXX XXXX Equifax XXXX Acct # # # # # # # XXXX {$370.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
lost my job in XXXX, contacted XXXX XXXX Credit card that I was a consumer with for almost 27 years, with an outstanding history, wanted them to close account and give me deferment.There is no such thing as deferment in the world of credit cards, only payment plans. Without an income there is no money for a payment plan. I insisted they close the account so not to accrue any extra charges.I had a credit limit of {$7000.00} and was below it!! at {$3500.00} I made my last payment in XXXX when my savings ran out. I sent a dispute letter on XX/XX/2018 when I noticed they lowered my credit line to {$3000.00} from {$7000.00} putting me over my credit limit and my card was still open. They were now not only charging me over the limit fee 's, they raised my interest and were also charging late fee 's Exactly why I asked them to close the card. except I had no I dear that they could lower my credit line to deliberately put me over it to charge me extra unwarranted fee 's, a 27 year customer!!! I then disputed the account with the credit bureau for XXXX reported inaccurate. ( Which is how I disputed it twice. INACCURATE ENDING BALLANE!!! it should have been closed in XXXX, It should not have been over the credit limit!! all late fee 's and over limit fee 's and higher interest rates are inaccurate!!!! making amount owed wrong!!! ) They have it reported that they closed it.yeah they closed it ... .7 months after I asked them to. in XXXX??? that my credit limit was {$3500.00} yet my balance is {$3900.00} NO my credit limit was {$7000.00} and NO my ending balance is not {$3900.00}. Yesterday I receive a reply from them. regarding my last dispute. And that they reviewed my file and believe they have reported everything accurate to the agencies so it will stay as is. I have never not paid my bills. I am almost 60 years old and having a hard time finding a job. I was in CONSTANT contact, paid for 3 months after losing my job when this company did nothing to work with me! and I mean nothing! asking me for over {$200.00} a month without a dime coming in and then to put me over my own credit limit, being spoken to like i was the lowest of life forms, Being told don't worry we'll just sue you!!! to jack up my bill with false fee 's, I don't believe that's any where close to fair debt collection practices. And on top of all this, they close the account as a profit and loss, so they will now use it as a tax deduction ( why cause after 26 years of never even being late on a payment they made a fortune of interest off me already ) and we all know they need a tax deduction to off set all these millions in fake fee 's not only do I think it's against FDCPA i think it should be criminal!!!

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 2022-01-05
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Moneylion has been constantly withdrawing money from my account! I spoke with a fraud department representative for Moneylion on XX/XX/XXXX and after talking for almost XXXX hrs we were told that my Moneylion account would be frozen and suspended while the investigation is launched, meaning no transactions or anything can be done with my account. At the end of the call with the fraud department, I was told that I would receive a case number in my email for my account investigation, I even have a voicemail that was left on my mobile device confirming that the case number would be sent to my email. Here I am today with no case number, and no representative answering the fraud department line even after being on hold for over XXXX. 
I first noticed my Moneylion account was breached on XX/XX/XXXX after receiving notifications of unauthorized transactions being processed from my primary bank account through Moneylion. Also, on XX/XX/XXXX there was another big breach into my account after noticing more unauthorized transactions being processed, these transactions totaled more than {$1500.00}! Today XX/XX/XXXX I have had a total of over {$2500.00} withdrawn from my primary external bank account for Moneylion payments and deposits even after reporting this account to the fraud department.

I havent used my Moneylion account in over 6 months in XXXX since I began working my new position with the United States Postal service, so it was mind blowing that so many transactions as well as loans and withdrawals from my external bank account was being processed by Moneylion. I CAN NOT GET THEM TO STOP TAKING MY MONEY and it is getting in the way of my real bills and paycheck deposits. Im seeking help in this case because this company obviously doesnt care about the claims and complaints from customers. THIS IS NOT ME USING THIS MONEYLION ACCOUNT and I refuse to keep losing money over a careless company! I will be taking all steps necessary to pursue legal actions against this company in hopes to stop the fraud and to receive my hard earned money back. 
( I also have photos of all the unauthorized transactions Moneylion have processed in less than a month totaling more than {$2500.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX   XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX  XXXX XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Amount : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, I closed my credit card account with Capital One. On or about XX/XX/2019, a repayment from a deposit for a rental property was transmitted back into the account. Capital One has failed to remit this {$300.00}, plus an additional {$140.00} in rewards cash from the account, to me. The company first asked me to submit a government issued photo ID along with my request ; in response, I sent a photo of my US government issued passport card. Capital One then stated that I needed to submit a photo of my driver 's license ( both front and back ), which I submitted on or about XX/XX/2019. To date, the money owed to me by Capital One has not been remitted to me, even after supplying 2 forms of government issued ID and after numerous phone calls. Capital One is holding onto a total of {$440.00} owed to me. There appears to be no legal basis for this action and there is nothing in the cardholder agreement that allows them to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy chapter XXXX on all three of my credit reports, XXXX, XXXX and Equifax claim that the data furnisher for this bankruptcy is the United States Bankruptcy Court but I know that is incorrect, I contacted the Bankruptcy court where I live and I was told by the Clerck that the bankruptcy court do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another  company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy Court as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy XXXX  XXXX on all three of my credit reports, XXXX, Transunion and XXXX claim that the data furnisher for this bankruptcy is the United States XXXX  XXXX but I know that is incorrect, I contacted the XXXX XXXX where I live and I was told by the Clerck that the XXXX XXXX do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy XXXX as proof.

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 2017-10-19
Company: DEBT 0, INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Dear CFPB, Hoping your help in solving this so unfair situation where after more than {$10000.00} wired to this company, just the 50 % was applied to current debts. At least is good to know " XXXX XXXX '' is talking about same numbers we mentioned, however, conveniently for them, records has not been checked in a proper way. As known : Debt restructure program started at XXXX with the debt enrollment of {$14000.00} ; Target for Creditors Settlement {$7100.00} and a Settlement fee for Debt 0 {$2900.00}. This Debt restructure was revised in XXXX, and is the used settlement used for below calculation, with the debt enrollment of {$19000.00} ; Target for Creditors settlement {$10000.00} and Settlement fee for Debt 0 {$3800.00}. ( exhibit # 11 ). As explained in previous message, ( complaint email ),  per your XXXX XXXX own delivered numbers, Debts paid by them on our name are : XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXXXXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - Afni {$38.00} ( Exibit # 6 ) A total sum of these debs is : {$5000.00}. Adding the total Settlement amount to pay to XXXX XXXX : {$3200.00}, the Great Total is : XXXX. As per XXXX XXXX numbers, the amount of money wired by us to XXXX XXXX is a total {$10000.00}. In conclusion, by simple math, the amount of money to be returned must be : {$1900.00} instead of the {$880.00}. We received an email on XXXX XXXX, XXXX, signed by XXXX XXXX, XXXX XXXX, representative, indicating all the settlement to be paid by us to XXXX XXXX was already paid, thus, the statement on response of XXXX XXXX does not have any support. Questions are : How come, even, because the lack of communication from " XXXX XXXX '' we had to stop wiring funds, " XXXX XXXX '' has collected from us the total amount of money established on the settlement already, if these companies are not allowed to charge to customers in advance? In same email, XXXX XXXX indicates they already had the money to pay to XXXX XXXX for XXXX XXXX account, why didnt they do it? 3 ) Where is the copy of agreement " XXXX XXXX '' did with XXXX? NOTE : Mentioned email can be attached for your records immediate your request. Regards, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
At the end of my lease agreement with XXXX XXXX for my 2015 XXXX XXXX XXXX, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up on XX/XX/XXXX in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT CONTROL , LLC PLEASE STOP all communication tactics with me. I remember you from previous letters and I asked that STOP AND CEASE all collection methods. I DONT OWE anything to XXXX XXXX, never opened a credit card with that credit company. Please STOP HARRASING ME. THANKS

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 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been Paying Capital One the # {$3500.00} I owed. To date I have paid {$3400.00} But has tow situations happen : ( 1 ) my XXXX daughter hospitalized ; and ( 2 ) I was hospitalized for XXXX. I am a XXXX and these XXXX  ( 2 ) were quite serious.

I wound up having to have XXXX  to correct this problem.

In addition, I was denied XXXX XXXX to pay off the debt because of an impending strike with my employer. I received a letter of garnishment from my employer on or about XX/XX/2018, ( a month before my indebtedness ended ), XXXX XXXX University 's Payroll office. The attorney 's who filed XXXX XXXX XXXX XXXX XXXX for Capital One. Attached to this letter from the attorney 's for Capital One was a form for me to complete to ask for a court hearing, to dispute the situation. I filed with XXXX Municipal Court Civil Complaint to dispute the claim and received a court date of XX/XX/2018, since I had just given a payment. I showed up, but they did not. The magistrate ( judge ) told me that I should keep up with the case, since there was nothing she could do. I did. I went to XXXX XXXX XXXX, who I was making my payments through to call the attorney 's as suggested by the judge.

My credit counselor and I waited on a telephone line for almost an hour for someone to pick up and discuss this with us. We never heard from them. I only had an hour appointment. The credit counselor said she would call me if she got a call back. She did not get a call back, so she did not call me.

At XXXX XXXX on XX/XX/2018, in the mail, I received a letter and affidavit saying that they had filed to the court in writing. I called the XXXX   Municipal Court and was told, I could re-file an dispute claim, once took a payment was taken from my check. However, there was nothing the court could do until this happened.

Then, I called the payroll office to see how much money would be taken. I found out it would be 25 % or {$1400.00} from check, which will leave me without enough to pay bills. I am paid once a month. I am concerned, because the numbers of indebtedness is adding up along with court costs.

XXXX State University payroll office says I them {$1600.00}, XXXX XXXX has chronicled payments of {$3400.00}, and Capital One had added another {$1300.00}, plus court costs. I should only owe may {$200.00} or whatever is equal to {$3500.00} not an additional {$1600.00}, and court costs.

I received countless letter for XXXX XXXX XXXX  even when I made timely payments, despite problems I had in the summer of XX/XX/2018-explained above.

I asking that the garnishment be dropped beforeXX/XX/2018 before XXXX XXXX  and I be allowed to pay the balance through XXXX XXXX XXXX I will make the payment on XX/XX/2018. We all have life a crises, but I have tried to make this up and XXXX XXXX XXXX have paid additional money with credits I have had with them to keep me up to date.

Company response to consumer: Closed with explanation