BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DIVERSIFIED CONSULTA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED CONSULTA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED CONSULTA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have several XXXX credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids IDs and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Obtained loan to purchase a used car XX/XX/XXXX for a XXXX XXXX with 101,637 miles on odometer. 

Borrower put {$3800.00} down as deposit and borrowed {$15000.00}. 

Now it's XX/XX/XXXX and the blue book value of the car ( {$10000.00} ) is less than 50 % of the Account Balance ( {$22000.00} ). At this point there is no way to get out from under this predatory loan. 

To add insult to injury, we spent {$4000.00} fixing the car before calling to surrender it ( timing chain tensioner failed, jumped teeth, and the valves hit the piston ). 

Credit Acceptance should not be allowed to make loans like this to vulnerable consumers.

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 2016-09-05
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On Thursday XXXX XXXX 2016, I was called by Credit Consulting Services at XXXX. I returned the phone call at approximately XXXX on Thursday XXXX XXXX 2016. My first complaint was against the same company the other day, but then I remembered that they also called for XXXX bills of mine that they have. It was the same representative who was rude and her supervisor who was rude and would not help me as I demanded her and I to switch roles and see how she liked how her employee acted towards me. The employee seemed like she did n't care about her job and thought it was a joke as she went ; " hhhhhmm and chuckled, '' when I advised her that I could n't take care of it and did the same chuckle when asked me to put it on a credit card. The supervisor/manager was very rude as well. The representative never asked for my last name, last XXXX of the social, address. All the representative who answered asked for a phone number since I called blocked and my first name. They should not be assuming with only XXXX pieces of information that is me or correct. I feel that since the company see 's my last name that they are racially profiling and sending the letter in English and XXXX. I have never had this issue before and I find it very offensive and all letters and communication needs to be in 100 % English or legal action will possibly be taken. I have the documents as well for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Transaction issue

Complaint:
I was dealing with XXXX to set up a web business, after that I started getting calls from other companies offering online related business. That 's when I was contacted by XXXX who designed a website. I was also charged for a blog, a press release and video. Every time they would call they would ask for a new fee. There were several charges in total of $ XXXX.My store was ready for sales in XXXX but have not made a penny. A friend tried to find my store ( XXXX ) but could not find it. So I had no chance of making any money. They never intended to sell me a legitimate business. I have cancelled my debit card. I want and need my money back and I tried to resolve directly with them but they do not respond my refund requests.

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 2022-03-15
Company: General Motors Financial Company, Inc.
State: MI
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:
I spoke to a rep at GM Financial that was supposed to clear this up. I have been a customer for years, there was a banking error that I was unaware of. I have never been late on any of my leases and something happened with the payment not going through. It has since been paid and to my knowledge was not even late. Please review this as i have not been able to get back on the line with anyone at GM Financial to fight this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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: Investigation took more than 30 days

Complaint:
I sent a complaint to FNB OMAHA on XX/XX/XXXX and they have not responded back within 30 days. They are reporting false information about a debt in which I was a victim of identity theft. Account opened on XX/XX/XXXX and the remaining balance is {$13000.00}. My Id and social was stolen from me during a theft and since then multiple fraudulent accounts were opened including said credit card ( FNB Omaha ). Please investigate and have them remove the fraudulent information.

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 2022-07-10
Company: ENCORE CAPITAL GROUP INC.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served back in XX/XX/XXXX about a debt and responded back. I then responded in the allotted time. I also submitted a request for production of documents which I never got a response to. I then sent a letter back in XXXX of XXXX stating I had never received a response and it had been 60 days. I asked them to drop the lawsuit since the process has not been continued. I never heard back. In XXXX of XXXX, I received a letter stating they had made an error and never responded. I then sent them a letter asking again to drop the lawsuit since it had been a year and a half with no response as well as their admission to not continue. I have had a few letters sent from them since then threatening to take this further and that I have no basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I opened a Bank of the the West account. The account came with a promotion. The promotion was get {$100.00} for setting up a qualifying direct deposit. I have received that promotion. The other promotion was, " get {$50.00} for making XXXX debit card purchases each month for 2 months. '' I have met the terms for the {$50.00} promotion and have not received the promotion that I am entitled to. I want the {$50.00} that I am entitled to that Bank of the West has not given me.

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 2020-03-05
Company: Midwest Recovery Systems
State: GA
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 woke up on XX/XX/2020 to an email from XXXX  that I had four new delinquent accounts that just popped up out of no where. These accounts never showed on my report as even a credit pull, just delinquent. So I then did a dispute and today XX/XX/2020 just under the 30 day mark for XXXX, they are saying these accounts have been reported accurately on my report, therefore they are my accounts. Then, I tried reaching out to Midwest Recovery, the reporting collection agency and they couldn't pull up anything by my name or social security number. There are a total of four accounts all from the original creditor " XXXX XXXX  XXXX XXXX '' of which showed up on my business bank account last XXXX-XXXX  as fraud. All totaling around $ 22k. I have worked very hard for an excellent credit rating and if anyone saw my credit they would know that these are not my accounts. If XXXX   did their due diligence they would see that these accounts are bogus and there was no proof that they belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ally Financial placed a bad debt on my credit report and inadvertently it lowered my score. I contact Ally to inform them that per the divorce decree this debt does not belong to and this has been communicated to them several times.

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 2019-11-26
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems has apparently obtained old collection information from a XXXX account that was removed from my credit report for over 3 years. They have now put it back on my credit report with an opening date of XX/XX/2019. This is illegal re-aging of a collection account and this debt is not valid. The company also parked the debt on my report and did not notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I discontinued my telephone and internet service with XXXX XXXX in XXXX of XXXX. I paid the XXXX bill of XXXX on XXXX/XXXX/XXXX. XXXX XXXX TV was bundled with XXXX XXXX phone and internet service and it took 2 months for them to stop billing me for XXXX and release me to pay them directly rather than through XXXX and they would not release me until I had a final bill from XXXX XXXX and had paid it. I paid XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I was told at that time that I had paid all I owed. I paid my XXXX bill for XXXX to XXXX on XXXX/XXXX/XXXX and continued to pay them from that point forward. In XXXX of XXXX I received a notice from a collection agency demanding payment of {$51.00} due to a balance due on my account with XXXX XXXX. This was 9 months after I had discontinued my service with XXXX XXXX and 7 months after I had been told by XXXX that I had paid the final bill with them. Rather than contact or bill me directly, they turned what they claimed I owed them over to a collection agency. I spent over an hour on the phone with several different people at XXXX XXXX trying to get an explanation for the charge. I was finally told that the amount came from money they paid to XXXX on my behalf. The problem is that I never missed a payment to XXXX. I had paid XXXX for XXXX and XXXX and then I paid XXXX directly starting in XXXX of XXXX. If XXXX XXXX paid money to XXXX after XXXX then they paid money that was n't owed and they need to talk to XXXX about refunding it. XXXX XXXX reported me to the credit reporting companies and my credit rating took a big drop from almost XXXX to under XXXX. I contacted the agencies and disputed the debt. They researched it and deleted it. My credit rating went back up to over XXXX. Then XXXX XXXX turned my account over to another debt collector and I got another demand for payment dated XXXX/XXXX/XXXX from the new agency. I assume they will report me to the credit agencies again and I will have to go through the whole process again. I do n't owe them any money and it is nothing short of harassment for them to be demanding payment from me. The debt they claim I owe is the result of their inability to manage their own account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2015-04-28
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Filed a complaint regarding a credit card fraud ( XXXX gas card account # XXXX ) sent all the requested information and document followed all the instruction provided by XXXX XXXX XXXX ( fraud Manager ) direct line XXXX XXXX XXXX. 
All supporting information and document sent on XXXX/XXXX/2015 After numerous phone calls and Email never received any follow up. 
Until now when we are contacted by various collection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have no association with the mentioned creditors, and I did not initiate the inquiry in question.

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 2022-03-15
Company: EQUIFAX, INC.
State: SC
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/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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