BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns applince company calls my phone up to 10 times a day or more. I have spoken to them and explianed my employment status do to being let go of my job. Explained that I will make a payment as soon as I can but they still call me at times up to 3 times in less then a minute. I am late on my bill no more then 5 days but they call me like crazy. I understand XXXX or XXXX calls a day but XXXX or more calls a day is way to much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent calling daily, even multiples times a day.

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 2016-06-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have had a Gap store credit card that is not associated with XXXX for several years. Today I received a notification that Gap was sending me an " upgraded '' new Gap Visa Card. This appears to be an unrestricted Visa card. This was completely unsolicited. In the letter there is information that I must call on opt out of the program if I do n't want to receive the new Visa card. I feel this is predatory behavior on the part of Gap or the bank that represents them, Synchrony Bank. Not to mention it has an APR of 25.24 %! If I did not pay close attention to this letter I would not have known I was required to call and opt out. It should be the other way around. The consumer should be required to opt in if they want to issued a Visa card.

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 2015-10-28
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a lawnmower from a dealer XXXX nd opened a XXXX credit line through ge capital promo no interest if payed in full within two years they say it was a standered purchase but I sent them proof fax the invoice to them twice I sent them XXXX dollars a month for two years it should be payed off by now I accualy over paid them they should owe me XXXX back this has been going on for months now was never late with a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: Conn's, Inc.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had an account with CONN Appliances, XXXX which I was making monthly payments debited from my checking account. I paid off the entire balance on XXXX XXXX, 2016. However, they continued debiting my account for three months and counting. I had contacted them 3 times and they admitted and said they will refund money. Instead they keep taking money out. I have proof I paid off the account, but looks like there is incompetence in their finance department. XXXX different occasions I had been told to wait for the money to be refunded but is been three months and all I get is another withdraw from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number XXXX is owned by J C Penney. The call more than XXXX times a day. XXXX/XXXX/15 @ XXXX. XXXX/XXXX/15 @ XXXX, XXXX XXXX, XXXX, XXXX,. XXXX/XXXX/15 @ XXXX, XXXX, XXXX XXXX. XXXX/XXXX/15 @ XXXX, XXXX, XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, and I am sure that they will call again tonight. This is clearly harassment and we have asked them to stop calling us and they say that they ca n't stop calling. My husband has started a XXXX shift job and this is disruptive to the entire household.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Sychrony Bank notified me via XXXX mail of XXXX things which are not aligned with actions I have taken, and which were confirmed on Synchrony 's internet site. I also received email confirmation of my actions, but was later informed that the actions were not valid. The first action I took was to enroll in Auto Pay. I received notice that I had un-enrolled in Auto Pay. I never un-enrolled. Second, I was notified that " my bank '' refused my initial Auto Pay installment. I was charged {$27.00} late fee. Unable to contact them via phone because their IVR would not let me reach a Customer Service Rep.

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 2015-09-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I contacted Sears to increase my credit limit for me to buy one of their product I was denied such increase then received a letter from the company explaining the reason which was XXXX unsatisfactory credit and/or derogatory public record references ) I called the company XXXX/XXXX/2015 for more explanation since I was positive that I have no public derogatory on my credit account the customer service was not sure then confirmed that there is nothing on my credit history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: FL
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:
Upon checking my consumer report, I notice that someone fraudulently access my identifying personal information without my consent or lawful authority. I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove inquiry below. 
XXXX. XXXX XXXX XXXX DELETE NOW Failure to comply under the Fair Credit Reporting Act and my right to privacy I shall escalate this matter causing me harm and injuries to my reputation and mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX represented they could take a settlement agreement for Capital One. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and Capital One has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I learned via XXXX that Credit Control Service has filed a debt collection of {$200.00} on my XXXX credit report ; however, I do not owe this date and know nothing of it. Credit Control Service appears to be a 3rd party vendor and they have not attempted any communication with me. I believe they are doing this illegally and want the debt removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Byrider Franchising, LLC
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
CNAC Car finance company calling outside designated hours and are calling while I 'm at work, which I have asked them not to do and they do not listen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed Capital One ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to Capital One has been paid - they still listing the full amount of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the XXXX the amount of {$270.00} on XXXX/XXXX/2016 and I have the online receipt. FIRST FEDERAL CREDIT CONTROL reported an open collection on XXXX/XXXX/2016 for the amount of {$230.00} for XXXX. They called me several times and I told them that I have paid. I do have the receipt number and a PDF copy. The payment also appears in my bank statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, My name is XXXX XXXX and I am in need of assistance in dealing with a debt collector by the name of Jefferson Capital Systems XXXX. They have been reporting to my XXXX of my credit bureaus false debts. When I contact this company and provide them with my XXXX XXXX XXXX they state that they can not help me because the information they have does not match with what I gave them, this is obviously a huge problem because this is debt that I have no idea about and is not owed by me or is tied to my social security number. They have been reporting for XXXX or more years now and is hurting my credit because of the false debt they have been reporting. I have hired a credit repair agency about XXXX years ago, and even they have submitted verification letters on my behalf, and still, the credit bureaus and Jefferson Capital are claiming that the debt is verified, however, the debt is never verified with me based on my information that I give to them. This seems to be unfair to me and has actually caused me financial harm because of the XXXX false debt collections accounts that XXXX XXXX has reported on all three of my credit bureaus. XXXX asking you guys for your help as a collections agency is not or should not be allowed to keep reporting accounts that can not be verified using my XXXXXXXX XXXX XXXX Whom ever the XXXX accounts belong to, thats whom they need to report to their credit bureaus and collect from the person whos information they have. This is very unfair to me. I have contacted them in several ways to have them remove the XXXX accounts of all three of my credit bureaus, and they keep refusing to remove it as they keep saying the information is valid, even though its not. If it was an actual debt that I owed, then they should be able to verify me so I can pay the debt off, but, that simply is not the case and not so way to remove when they cant verify either accounts with my XXXX XXXX XXXX, this means the XXXX accounts belong to someone else and they just keep harming me. Please see attached where Jefferson Capital is reporting to all three of my bureaus. Please assist and advise

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a checking account with Capital One 360 that I 've had since XXXX. About a XXXX I went to use my ATM/check card for a gas purchase and the card was declined. Thinking it was the machine, I went to another location and again was declined. I contacted Capital One 360 customer service and was advised that my card had been " deactivated '' and they had sent me a new card in the mail that I " should '' have received by then. Capital One provided no communication to me ( I login to their website almost daily and a simple message or note would have sufficed ) and " deactivated '' my card that was not yet expired so that they could provide me with the new updated card with the chip security feature. I 've since contacted Capital One and provided them with the opportunity to resolve this matter and am not satisfied with their explanation. They stated that because their rep. offered me the opportunity to get back into my car and drive back to the store to make a " one time '' withdrawal/ purchase and then they would " deactivate '' my card again. I do not feel that it is acceptable to say " because we gave you the opportunity to go out of your way and make a one time/ educated decision on how much money you need to withdraw, we feel we have corrected the situation ''. The fact of the matter is that my card was not expired and the entire situation could have been handled differently to avoid putting me the " consumer '' at harm- again, this was the period right before XXXX. Heartless. I 've read the cardholder agreement and find no acceptable clause that relates to this issue and I do not find it to be legal or acceptable from a customer service standpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Recently attempted to call and confirm another police report sent to Experian. 
Their current stance is we have not recived it ... .. 
XXXX requested a police report dated within the last 30 days so I submited this also to Experian to request FCrA 605b block of information. This nightmare had been ongoing for 3+ mo with them and despite numerous attempts to get hem to follow FCRA laws they refuse. They keep opening investigations. They refuse to supply me with method of verification and continue to place me at an unfair advantage when requesting credit. 
I ca n't get approved for a mortgage due to this account and it 's causing my entire family XXXX and hardship. I have every intention on pursuing legal actions if I do n't get this resolved. 
I am opening a duplicate complaint so I can submit the most reason police report. 
Experian had already recived ID and proof of address from recent disputes related to XXXX different addresses and XXXX name variations.

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 2016-07-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 2017-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX XXXX, has contacted me without my consent, and also obtained my personal information with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them XXXX for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX and XXXX acknowledged Capital One Credit Card was fraud account and they removed them off of my credit report. Capital One is doing whatever possible to continue to mess up my credit report when the was removed because they could not validate any purchases I made on their card nor did I receive a card yet activated so they were investigation. I need them to stop selling my personal information to other companies when I did not owe them they now got The bureau on my credit report. Capital One to stop these fraud transfer to dept collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I tried to pay my bill and was informed that my CC was closed unknown to me due to " fraudulent activity '', what was really happening is that Capital One was saying the money from payments was on my CC when it was n't taken out of my bank yet and my bank would reject Capital One so it would then be taken back from the card thusly resulting in an overdraft. Either way they " closed '' my account on the XXXX of XXXX without informing me prior, I called and wanted to know what was going on and they could n't and or would n't tell me anything. I had deposited {$400.00} to start this card and paid off what was owed back down to a balance of {$400.00}. I was told by over 8 different Capital One representatives including supervisors that the remaining {$400.00} would be taken from the deposit and everything would be settled and I would not have to call again, it would {$0.00} out my account and reflect accordingly on my credit. The {$400.00} was supposed to be put on towards the balance 5 business day 's after they closed my account so that would of been the XXXX of XXXX. I spoke to a supervisor on Monday the XXXX who informed me of this thusly and stated " you will not have to call back it will be taken care of automatically '', I waited until Friday the XXXX to check and make sure it had been done, it had not. I called again and talked to another representative who told me " it will be done tomorrow and by Monday it will have a {$0.00} balance ''. I waited till Monday the XXXX with no movement yet again on my account. I called the following morning ( Tuesday the XXXX ) their time and was told yet again, be patient it will get done, all while nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
Summary : Had a credit card, was paying debt. Became unemployed and unable to pay ( XX/XX/XXXX ), account went to collections. In XXXX XXXX, got a temporary part-time job and made arrangements with the creditor - XXXX to pay $ XXXX/month. Started XX/XX/XXXX. XX/XX/XXXX ( I 'm told ), the account was charged-off. I have been making $ XXXX monthly payments to creditor since then. XXXX XXXX, I wrote to them to tell them to " STOP CALLING ME. '' I said nothing about them not doing anything else. XX/XX/XXXX, they replied they " received [ my ] your request to close the above referenced account. '' WHAT??? And then later in the letter : " If you would like to may payment arrangements to resolve this issue, please contact us at XXXX. '' Huh??? I already made payment arrangements with them when it was discussed and I agreed to do $ XXXX/month - all I could do ; and notified them in the letter that I 'd let them know if/when my situation changed. 

So, my question is this : If the creditor talked with me, stated/negotiated ( almost begging ) an amount and accepted the payment amount I could make, AND has been accepting ( and acknowledging - receipt of ) those payments every month - for a debt that was Charged Off XX/XX/XXXX ; do they then have any right to refuse current payments I make, in an attempt to say I was not " paying as agreed, '' or to make it seem as if I have not been paying? What is my right as a consumer? What is their right as a creditor? 

I have another letter to write to them, accompanying the next payment I 'll be sending, to let them know they did not follow my letter, or misinterpreted it, and further - they did not acknowledge receipt/crediting the payment ( per letter as they have done for over a year - prior to my letter of request ). What else do you suggest I do at this point? Please advise, thanks.

Company response to consumer: Closed with explanation