BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-24
Company: LEXISNEXIS
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received my auto insurance policy renewal, after reviewing it and saw it increased by {$450.00} since the previous XXXX month renewal I call communicated with the insurance company, XXXX XXXX. They said the reason for the increase was because of credit report. I told XXXX XXXX my credit had not changed except that I got a home mortgage and I had great credit history and score, otherwise I could have not gotten a large home loan. I could not review my credit history online. I have a very good job, have never not paid my insurance policy premium. If getting a mortgage loan has given me a bad credit score then some it bad wrong with this system and needs to be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: OR
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:
Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit. I have  disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX 2016 I read a news article about Capital One offering their new " Credit Wise '' free credit monitoring app for download. They claimed one did not need an acct, which I do not have, in order to sign up. I downloaded the app on my XXXX and then opened the app and started the free sign up process. I filled out the app 's forms and at a certain point the app noticed that I already had a Capital One acct and asked me for my login and email and password. I attempted to login several times and received error code XXXX. I eventually gave up and contacted Capital One fraud dept. by telephone to notify them that I do not have a credit card acct. Their customer service team attempted to assist and could not understand why this was happening so they escalated/passed the complaint to their internal " security/IT '' team. They called back and gave me further instructions to attempt login to the " Credit Wise '' app and those failed as well. They sounded confused over the phone. Ironically, several months after this occurred I started to receive text message alerts that someone was attempting to use my Capital One XXXX card for purchases and they asked me if the purchases were valid via text. I responded " no '' and did not hear back from them. For the record, I do not have a Capital One XXXX Card nor have been able to login to their " Credit Wise '' app. I believe they have not done enough to ensure that someone illegally has a credit card in my name or have produced a valid reason why this is happening to me. After reading news about other large banks creating fake credit card and bank accounts recently, I decided to proceed to an FTC complaint since Capital One XXXX and their Credit Wise app security team has failed to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I HAVE A CREDIT CARD WITH CAPITAL ONE. THE MONTHLY PAYMENT IS DUE ON THE XXXX OF THE MONTH. ATTACHED IS A COPY OF THIS MONTH 'S BILL. I PAID MY BILL LAST NITE XXXX XXXX AT XXXX. CAPITAL ONE HAS INDICATED THAT MY PAYMENT WAS LATE AND THAT I WILL BE CHARGED {$36.00} AS A LATE PAYMENT FEE. IF MY PAYMENT IS DUE ON THE XXXX AND I PAID ON THE XXXX, WHY AM I BEING CHARGED A LATE FEE. WHEN I CONTATED CAPITAL ONE, THEY SAID IT WAS BECAUSE MY PAYMENT WAS NOT SENT BEFORE XXXX. NOWHERE ON THE STATEMENT DOES IT SAY ANYHING ABOUT THAT. PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Each month I receive my credit card statement I make a payment usually the minimum amount due and sometimes a little more. Once I make a payment the amount paid is reflected as my available credit plus any credit that has remained from the last statement. Example : I receive my statement and the minimum amount due is XXXX. I make the payment in the amount of XXXX dollars and my credit card account shows XXXX dollars available credit plus any existing available credit remaining from the last statement. The issue or concern I have is that when I receive a new statement I have a new minimum amount due and my available credit has been reduced subtracting interest that has accrued instead of the interest being calculated along with other transactions that would give me my monthly minimum amount due. It 's almost like I am being double billed. It is my understanding that the interest charges are calculated in the minimum amount due each month and the only time available credit would be reduced is when purchases are made.I do n't know any other bank or financial institution that reduces your available credit because of interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: NC
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA XXXX with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX XXXX sent an invalid {$90.00} dollar debt to a collections agency named XXXX. This agency was reporting to XXXX. Since the debt was not mine I disputed it with XXXX. After the investigation the account was deleted. This was XXXX XXXX. 

Then in XXXX XXXX, XXXX decided to reinsert this invalid debt and send it to a new collections agency by the name of XXXX XXXX. Reported again to XXXX. I quickly disputed as soon as I noticed it and it was again promptly deleted. 

XX/XX/XXXX, XXXX XXXX reinserts this invalid debt and sends it to a collection agency named XXXX. This agency was reporting to XXXX as well as Equifax. I immediately disputed the account and again like every other time it was deleted by XXXX and Equifax. 

Now presently again for a FOURTH time XXXX has reinserted this invalid {$90.00} debt that I do not owe them. It is currently with a collections agency named XXXX XXXX, who is reporting to Equifax. I have not had a chance to check if they are reporting to XXXX. Of course I disputed with Equifax as soon as I saw the account pop up again. This time for some strange reason the account has been verified by Equifax and now I am at a complete loss for words and have no idea how to handle this. 

I am afraid that I might have somehow done something wrong this time that caused the debt to be verified by the credit bureau. This was the ONLY time out of all XXXX incidents that I picked up the phone and contacts XXXX as well as the collections Agency and told them everything exactly as typed above. I made those phone called the exact same day that I initiated the dispute with Equifax , because it was the agent at Equifax 's dispute department advice to do so. 

I greatly appreciate your help and efforts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I request credit reported on line on XXXX XXXX 2016, and ca n't print because computer it failed, please sent by e-mail to : XXXX XXXXXXXXXXXX. I need at soon posible to my lawyer. If ca n't please send by mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions

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 2016-12-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Regions Bank of XXXX, GA has allowed my estranged husband access to my personal checking account without my authorization. They provided a receipt to him with after he made a deposit to that account. I have requested that NO ONE be allowed to access my account in ANY WAY without my authorization and was refused this, the bank stating anyone can deposit money into my account if they provide an account number. He does have the account number as I was required by law to provide it to him, but it was not to be used by him at any time. This was also discussed in a legal negotiation in which he was told this was n't permitted.

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 2016-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The person serving this Affidavit of Service ( XXXX XXXX ) committed fraud by reporting that this subpoena was served to me. 

This subpoena, resulted in a default judgment against me for {$34000.00} in the Supreme Court in XXXX County, XXXX, NY XXXX. 

I was never notified regarding this subpoena or the judgment. 

XXXX XXXX swore to a Notary Public that he legally delivered this Affidavit of Service to me. There are at least XXXX illegal statements on this subpoena. 

Now I have a Income Execution that was sent to my employer demanding the deduction of {$250.00} a month from my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 i sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the 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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 i sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft and may have got into the 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 2016-09-07
Company: Carma Enterprises Inc
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I obtained a predatory loan ( triple digit APR ) through Carma Enterprises / Las Vegas Finance. In XX/XX/XXXX my son of XXXX was accused of being involved in a crime. The allegation were very serious and could not be taken lightly. His defense is costing us {$10000.00} of which we paid {$2500.00} upfront and making payments of {$1000.00} a month. I contacted Carma/LV Finance today to notify them of my reason for being past due, and of my intentions of paying off the loan, or getting back on track within the next few weeks ( {$180.00} pastdue balance,2 biweekly payments ). since going past due for the first time as a customer on my payment 2 weeks ago, I have received a copious amount of collection calls on my cell and at work. Some days receiving up to two calls a day at work. Today I advised the manager that I can not receive calls at work, especially with such aggressive tactics and disregard of business operations. The manager advised me that he " did n't care if the calls cost you your job. you 're not paying me, so why should I care ''. I again tried advising the manager of my intent to pay and reminded him of my basic rights under the FDCPA, and TCPA, of which he gave no regard, and became irate, threatening to ruin my credit. 

This is predatory, and highly vindictive behavior that I will not subject myself too. Their exuberant triple digit apr and unreasonable attempt at resolution is dangerous to consumers. I can only imagine the extent of their collection practices, and threats used against other customers who are n't versed in this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I did n't pay my loan on time I try going back to the office Advance America to pay and they did n't took my payment now there calling my job they call my phone every day they talk to my supervisor and they told me there taking me to court I 'm a single mom of XXXX kids my rent is really high and I ca n't pay what their asking I try to make a plan arregement but they denied it I 'm really stress out please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: First Credit Services Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been a member at this gym for a number of years. Recently, due to the XXXX and a job that requires a great deal of travel, I have not had the ability to use my gym membership. I continued to allow myself to be billed for a number of months. A few months ago my credit card expired and the local gym manager ( I do n't have his name ) asked me if I would provide him a new XXXX. I said I would like to cancel and explained my situation to him. He said " ok '' and hung up. A XXXX later, a new gym manager called and asked me to provide a new credit card. I explained what the prior gym manager told me and he said that was not a valid cancelation and that I would need to go in to the location and physically cancel. This is not an option for me. I then contacted the gym ( local and national office ) and provided them a written cancelation, which was not honored. I finally was forced to take the step of putting a stop payment on the payment with my bank because despite my revoked authorization, they kept pulling money from my account illegally. Today I received XXXX calls from a rude debt collector. At this point I feel that XXXX XXXX is preying upon my family. They are trying to send me to collections for a service I canceled in writing. 

Furthermore, there was no extension of credit. This is an extremely deceptive and abusive practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A lady named XXXX XXXX from XXXX Management Services Incorporated left a voice mail this morning regarding a debt and requesting to call her back at XXXX - Ext. XXXX. I quickly knew this called was not intended for me because I do n't have pending debts and I had never heard of XXXX XXXX XXXX XXXX XXXX, an institution she is collecting a debt for. When I called her, I quickly identified myself but from the very moment she answered her phone she was loud, rude, disrespectful and sounded bitter and extremely angry, loudly. I tried to tell that I received a called from her in an attempt to collect a debt. I also tried to tell her that I 've had this phone number for about XXXX weeks and that she probably wanted to contact that previous person that had this number. She did not even spent a second to listen to what I had to say. She kept on going with her harsh and nasty tone of voice. I repeated my phone number twice as per her 'demand ', then I told her my name three times as she 'demanded '. Every time I try to say something else to explain the reason of contacting her back, she would speak over me and not let me talk. At some point during the speedy, one-way conversation, she told me she -had not finished talking yet! -. and kept questioning if I had an account and I said no. Then, she demanded from me to spell out my name. At that point I decided that I did not have to put up with her abusive and condescending attitude and hung up. I called her to clarify who I was and to also request my phone number be removed from the list of debtors. I even have my answering machine stating my name and do n't understand why they still will leave a message to collect a debt I do n't have and never did. This woman crossed the line ; she was insulting and abusive!. By far this the most disgusting person I 've had to deal with in my life. Please, someone make these people stop their abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to obtain my free annual credit report through XXXX. I was told that there was insufficient information to obtain my score online, and that I had to mail in a paper form ( XXXX ). 

I mailed in that paper form, requesting reports from all three credit reporting companies, on XXXX/XXXX/16. I have since heard back from XXXX and XXXX, so I know the form was received, but have not received any response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX account on my credit report and have been disputing it since XXXX. I have tried to contact them several times without getting any kind of response from them. I called them and was only told they would get back to me and yet I have not heard anything from them. I have contacted equifax concerning this matter they disputed it and sent back a response that the account has been verified and yet I still have nothing from XXXX but yet I am being told it has been verified. I do everything in writing to assure my verification and yet can not get any kind of response and I have a problem with how equifax claim they have and can get verification and I have not been able to get anything from them since I started this in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Yesterday I received a letter in the U.S. Mail from " Equifax '' dated " XXXX XXXX, 2015. '' Last month I had wrote to " Equifax '' stating that under " Personal Identification Information '' section of my " Equifax '' credit file that I was also known as " Formerly Known As : " XXXX XXXX. XXXX. '' My full name is and has always only been " XXXX XXXX XXXX, XXXX '' I do n't know anybody nor have I ever used the name of " XXXX XXXX. XXXX. '' And when I called " Equifax '' they also refused to " delete '' this " Identity Theft '' information on my " Equifax '' credit file.

Company response to consumer: Closed with explanation