BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: CA
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:
The account was opened without my consent. I want it removed immediately form my credit report. They are showing  XXXX  different reports to the credit bureaus.      XXXX   XXXX   XXXX   XXXX    Account Number  XXXX  Account Type Credit Card Terms Revolving Date Open ed  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due  30 da ys two times Status Updated  XX/XX/XXXX  Bala nce {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address  XXXX   XXXX   XXXX ,  XXXX , DE  XXXX   XXXX   XXXX   XXXX   XXXX  - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been harassed for the last 6 months by  XXXX   XXXX   XXXX   ,   XXXX . Unfortunately, I needed to have   XXXX    XXXX   XXXX  last  XXXX . When I got the initial bill, prior to my insurance making their payment, I knew that they would not cover everything, so I started paying {$10.00} each month. Once the bill was finally settled with my insurance, I upped that amount to {$20.00} monthly as that is all I can afford, especially with all the other medical payments I 'm making around this issue, hospital,  XXXX , etc. I was surprised and infuriated when I was put into COLLECTION despite making regular payments ( I have documentation from my bank, which I shared with them ). I told them I would continue making those payments, and that was at least for the moment fine with them. Subsequent to that, I 've been contacted b y a Bay Area colle ction agency and  XXXX  other collection agencies. Each time I tell them I know my rights and as long a s I con tinue to make regular payments, I 'm neither in default or delinquent. Today, I called them to advise them that I was going to file a complaint with you and one person told me that my account had been pulled and would n't be in collection and that it showed a  XXXX  balance. I asked for documentation to be submitted to me in writing, was put on hold and disconnected. I waited as I had given her my contact information in case of such an event, yet no call came. I called back, and the next person I spoke to told me an entirely different story. That my payments were not sufficient, and that I was in collection and they had tried to contact m e ( I had also told them earlier that the best way to reach me was through email, and they did once, but never again ).    I am now turning to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Cavalry SPV I  LLC ( Attorney 's Firm :  XXXX ,  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However, Cavalry has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX  County and the case still opens. In addition, Cavalry has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX  XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-09-15
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX submitting my 7th CFPB complaint to you today requesting that the Credit Reporting Agencies remove the disputed fraudulent information from my Credit Report. I have been disputing the fraudulent accounts and information from my Credit Report and it is clear that the Credit Reporting Agencies are not willing to comply with my requests. The Credit reporting Agencies continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. Also, I have read that the Credit are required to remove the disputed accounts and information that resulted due to the identity theft. I am submitting this XXXX Complaint to request that the Credit Bureaus remove the fraudulent accounts and information completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX White XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I paid off my loan in full. The total was XXXX and on XX/XX/XXXX another XXXX was withdrawn from my bank account. When I sent a request to get the refunded of XXXX I was told that it would take 45 to 60 days for the money to be put back into my account. I have tried calling multiple times to get a status on when this money will be put back into my bank account and every time I get the same round about answer that they will contact their accounting department that they can only reach by email and call me back in the next 24 hours. I have not heard back from the company since my call on Tuesday. Since I have never got a status on when the money will be given back to us it seems to be that they either do not have the money to give us or are just not planning on giving us the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
To whom it may concern, I was looking at my XXXX XXXX on XX/XX/22 and noticed a big drop in my credit score. I see I have a collections from XXXX XXXX  for {$1600.00}. This company had tried to contact me weird hours in the past and i thought it was spam and explained to them they had the wrong person. They are saying the original creditor was XXXX FOR XXXX XXXX XXXX. This is identity theft or fraud as i never authorized anyone to use my name as I never even had a cable bill in my name. I have attached the credit karma of them in my collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: MO
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:
This is my XXXX CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$3700.00} JXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For years I had a Capital One credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account.  <P/> Subsequently, as I always did, I sent a month 's full payment on the full balance due.  Capital One  subsequently charged me a late fee and an interest charge.  <P/> I contacted their customer service, and was told that my account would be credited the late fee and the interest charge.  <P/> The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges.  <P/> Throughout this time I continued to timely pay my balance due in full each and every billing cycle, and as instructed by  Capital One 's cu stomer service I did not pay the interest charges that continued to show up on my account.  <P/> After months of being told b y Capital One 's custom er service that the interest charges would be credited to me and resolved in a future billing cycle,  Capital One 's same  customer service then said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months.  <P/> During that same call to  Capital One ' s  XXXX   XXXX   XXXX  customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled on the spot during that same call.  <P/> Despite the fact that at that time I had earned nearly  XXXX   XXXX  frequent flyer miles on my account, I flatly refused to comply with the threat made by  Capital One 's supervisor  during the afore-referenced call, and she summarily canceled my account.  <P/> Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon.  <P/> Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles.  <P/> For further details, please see my  XXXX   XXXX ,  2011 corre spondence sent to  XXXX   XXXX  of  Capital One,  which is enclosed with this complaint as a document attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
To whom it may concern, I was looking at my XXXX XXXX  on XX/XX/22 and noticed a big drop in my credit score. I see I have a collections from CCS COLLECTIONS for {$1600.00}. This company had tried to contact me weird hours in the past and i thought it was spam and explained to them they had the wrong person. They are saying the original creditor was CCS FOR XXXX XXXXXXXX XXXX. This is identity theft or fraud as i never authorized anyone to use my name as I never even had a cable bill in my name. I have attached the XXXX XXXX of them in my collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Early Warning Services, LLC
State: NY
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 had an account with XXXX XXXX XXXX XXXX which was tampered with by an unauthorized third party. Around the time that my account was used in a mannerism that I never authorized, I was the victim of a hate crime and assaulted. I was also under the supervision of the XXXX XXXX XXXX in XXXX, New York as a victim of Domestic XXXX where an Order of Protection was issued for my personal safety and security. My checking account with XXXX was used fraudulently and closed. I was then reported to Early Warning Services for " Checking Account Fraud '' showing a XXXX dollar loss. 

I was also the victim of Identity theft and XXXX XXXX and XXXX credit cards were opened in my name fraudulently and without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a promotion in the mail from citi bank stating Im pre qualified for their offer with XXXX XXXX, spend {$3000.00} in 3 months and receive XXXX airline miles. 

I called to confirm this offer was still good because I already used a similar offer last year and redeemed it. I was told if I got the letter, get fully approved for the card and spend the appropriate amount of money I would revive the airline point even though I already used a similar offer the year before. 

i was approved for the card the following day, spend the {$3000.00} within a month of applying and my miles never showed up. After a couple weeks I called to see why I still havent received my credit for the miles, I was told this offer is only good ever 4 years for each individual and I already had this offer the year before. I explained to the manager that a got a pre approved promotion letter in the mail and I called to confirm I qualify for the miles and I was told I was.

the manager refused to help me in anyway. I feel taken advantage of and lied to. I did not need or want another credit card, the only reason for opening this card was for the the miles ( which I called to confirm I was eligible for before applying ) now my credit score is lower and I purposely spent extra money to reach the {$3000.00} minimum on a card for no reason, if they told me in the beginning I didnt qualify I would not have opened the account and would have waited to buy certain items.

I just cant get over the lying and horrible customer serving that I am receiving from the citi XXXX XXXX credit 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 2022-09-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The amount they asking me to pay is incorrect much & the date is wrong, they called me asking me about the money when I refused she threaten me to share my personal info & she will issue a warrant for my arrest..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Army and Air Force Exchange Service
State: AE
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: Problem with personal statement of dispute

Complaint:
Military Star Card Exchange had added late payments to my credit report while I was XXXX overseas. I informed them of my XXXX after seeing the late payments and even with proof of overseas they said they were unwilling to do anything. Its causing extra stress and hardship on an already hard XXXX lifestyle.

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 2022-09-15
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602. States that I have a right to privacy 15 U.S.C 1681 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: ATG Credit, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On  X/X/17   , I received a phone call from an  ATG Credit ( based  on whom was identified over the phone upon the call return ). I missed the call. I called the establishment to determine the purpose for the call. I spoke with an individual by the name of  XXXX . I provided my telephone number. I expressed to her my concerns that I have been scammed by people in the past and was not comfortable about providing my social security number over the phone and requested additional information to verify my identity other than my SSN and DOB. She was very belligerent and rude to me and left me feeling absolutely abused by her communication tactics. I tried to speak, she began to rant on and on and just hung up on me.  <P/> I attempted to resolve this by requesting to speak with a manager and she returned to the phone with the same hostile attitude, using very abusive tone, and again, hung up on me.  <P/> My concerns are valid given that I googled the number and it came up reported by others to be a scam, therefore I was not comfortable providing my information to a stranger, especially since they came off as disrespectful and condescending.  <P/> If it would be beneficial, I recorded all of the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation