BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent Outsourcing Inc calls my office phone and leaves automated messages several times a week indicating that I call XXXX XXXX. I have called this number and their corporate number XXXX XXXX to request that they remove my number from their call list more than 10 times in the last 3 months. They always assure me that my number has been removed from their robot-dialer but I am still receiving calls. What 's more, they are not even trying to collect a debt from or reach me specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Designed Receivable Solutions, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Designed receivable is a collection agency attempting to collect a medical bill that was not filed on my insurance in a timrly manner. I paid my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I got an email from XXXX stating that I could apply to an XXXX Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my Transunion by XXXX. They refuse to do so. 
This is misleading advertising.

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 2021-12-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CITIBANK, N.A.
State: IN
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:
Investigation is at 45 days and still no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to 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 2021-12-19
Company: Byrider Franchising, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX XXXX I signed a loan with CNAC XXXX for a car loan - later on this car was totaled - we fought the company on paying off the remainder of the car loan ( {$5100.00} ) - the car company ( JD BYRYDER claimed we did not pay for GAP insurance even though this payment was collected at the time of signing the car loan. This company never budged on paying for the car so we initially took a hit and stopped paying on the loan- which caused this account to be closed and wrote off as a bad debt for the remaining balance on XXXX XXXX ( {$5100.00} ). This account should have then fell into collections. IT DID NOT. INSTEAD, it looks like a new loan was opened Fraudulently, without my knowledge on XXXX XXXX for the balance of {$5100.00} AS A NEW LOAN through XXXX XXXX XXXX. This account was then closed XXXX XXXX for the same balance ( {$5100.00} ) because no payments were being made as I was unaware of the account being opened in my name under my social security number. There is now a collection agency attorney trying to collect this debt from me via XXXX XXXX XXXX which is the account that was opened as a new loan without my knowledge or permission. This collection agency is XXXX family members of mine at their permanent address which I do not reside at ( most recent was XXXX XXXXXXXX XXXX XXXX XXXX ) - not acceptable. I need this reviewed and taken off my report as it was opened fraudulently. 

CNAC XXXX IS THE ONLY ACCOUNT I GAVE PERMISSION TO USE MY PERSONAL INFORMATION FOR A LOAN. Which should now be in collections. 

MERCHANTS FINANCE DID NOT HAVE MY PERMISSION OR ACKNOWLEDGMENT TO OPEN A NEW LOAN ACCOUNT FOR THE BALANCE OWED TO CNAC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Ballybunion Enterprises, Inc
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We opened an account with Freedom Funiture in XXXX paid as agreed and refinanced in XXXX. We paid as agreed until we became unable to pay the full amount in XXXX. We made an agreement to pay a lesser amount per month and kept paying via allotment. Freedom got a judgement against us while I was training. I was not served with the judgement prior to court or after ... I was informed of it when my wages began to be garnished. They got the judgement in XXXX VA. XXXX # XXXX Filed XXXX. 
I did not sign a contract in VA I signed my contract in GA. They garnished my wages causing finacial distress. I was able to get that stopped through XXXX. However the judgement remains and has severely damaged our credit preventing us from buying a home and upgrading our vehicles. We have asked repeatedly to have this issue fixed based on the fact that the judgement was not served on me ever and the fact that they have caused so much financial distress and ruin. We were told we 'd have to go to VA to fix it. We have in total paid this company nearly {$25000.00} over the last 11 years. for a couch and loveseat, computer hutch, table and chairs. the furniture has not lasted however the payments and ruin continue the judgement says we still owe XXXX. We need assistance as we have tried every other step possible to fix this without aid.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: KY
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:
Complaint XXXX : Experian I recently reached a settlement agreement with XXXX XXXX XXXX from a past due bill. After my XXXX had check in hand and I signed the agreement I waited a few weeks then disputed the charge to have it removed. For whatever reason Experian is the only credit bureau that seems to not want to remove this after submitting the proper documentation as proof they refuse to remove the collection, it has already been removed from the other XXXX credit bureaus XXXX XXXX XXXX XXXX ). I can't understand why they won't remove it, I have paid the debit so why keep it on me unless it's just to bully me for whatever reason beyond my understanding. Any help with this would be greatly appreciated. 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 2021-12-19
Company: Experian Information Solutions Inc.
State: PA
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 filed a dispute with Experian and XXXX about inaccurate information being reported on my credit report on XXXX from XXXX XXXX XXXX. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.

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 2016-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX was notified of my filing with local police and FTC identity theft. My account was used to obtain a fraudulent payday loan, they charged off the account for {$800.00} after dozens of calls and emails and letters. The {$800.00} is fees generated by the bank, it is NOT money that the bank paid on my behalf to this fraudulent payday loan. They tell me my disputes are frivolous and refuse to investigate. FTC CASE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On the XXXX XXXX XXXX I received a letter from Capital One notifying me that my credit card account was due to be closed because it 's activity was not consistent with the expectations for account usage. Therefore, I called their customer success team to ascertain the grounds for its closure. I spoke with one of their supervisors to obtain more information about the reason for closing my account. She explained that despite the account having regular manual payments made, multiple times a month. The account was being closed due to a couple of automatic payments being returned and the account would be closed. To date I have not been late for a single payment nor have I exceeded my credit limit since opening the account and it has been in excellent standing. I explained that the automatic payments had not gone through because I had not updated my bank settings after changing banks recently and had been making manual payments, this was the reason for the returned automated payments. 

Throughout the conversation I asked her if this was a permanent decision and would she be able to re-open the account given that payments had always been made, and covered minimum monthly payments adequately. She was unable to offer any assistance and was rude throughout the conversation telling me she was not a credit advisor and could not help my situation - quite patronizing to say the least. When I then went on to ask exactly how the " closed account '' decision would be passed on to my credit agencies, she was unable to tell me the classification that Capital One would give for the closure. This is clearly an important piece of information for me as the account was not delinquent or behind in payments. I feel very unfairly treated in this situation as the closure both impacts my credit score and future ability to build credit. 

As an XXXX from the XXXX coming to the XXXX I have been diligently establishing my credit rating and credit history with Capital One. I am really disappointed that their decision to close my account could potentially impact my new credit rating here. In addition, I now can not use their line of credit to build and improve my overall credit rating. 

I am requesting that they reconsider the decision to close my account and keep it open in light of the frequent cleared payments and good standing of my account. Returned automated payments should not constitute grounds for closure given the good standing of my account and I should have first had the opportunity to update my bank payment details to correct this issue. I have also requested a full explanation as to why my account is being closed including citation of any breach of terms and conditions along with an explanations of the potential impact to my credit report, given in terms of how Capital One will report this closed account status to them. 

I hope you are able to assist in the matter and offer any help and advice if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: PA
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 filed a dispute with XXXX and Equifax about inaccurate information being reported on my credit report on XXXX from XXXX management services. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: NCB Management Services Inc.
State: PA
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 filed a dispute with XXXX and XXXX about inaccurate information being reported on my credit report on XXXX from NCB management services. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX purports to filter lenders based on criteria input by users of XXXX XXXX. 
I specifically requested an equity line of credit equal to the gap between my scholarship and XXXX University tuition. 
XXXX XXXX did n't filter lenders based on the criteria input by me into XXXX XXXX 's filter. 
Notwithstanding my own credit quality, my college buddy agreed to co-sign ( XXXX XXXX / strong earnings history, etc. ) Within 24 hours I received over XXXX offers to refinance my existing mortgage and take money out. If I refi, I 'd lose XXXX XXXX fixed rate and pay prohibitively expensive closing costs. 
I requested a HELOC as advertised. I specifically requested a HELOC and nothing else. 
The following lenders use fictitious HELOC terms to bait-and-switch consumers : - XXXX XXXX - Capital One Bank - XXXX Bank - XXXX - XXXX Bank - XXXX - XXXX - XXXX XXXX Mortgage - Wells Each lender approved a HELOC at Prime +/- XXXX. Each lender pulled the approval for nonsensical reasons. Capital One claimed that my guarantor needed to be on the deed. What 's the point of a guarantor? Reliance informed me that they would refinance only because they do n't make money on equity lines. This is egregious because a prospective borrower could find him or herself in a position whereby a refi is the only alternative. It 's a charade. I 'm confident consumers fall for it all of the time. It 's a con. Do not fall for it before its to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Capital one has been soliciting me aggressively for a credit card after I asked them to stop sending me offers. One time they made me an offer, I accepted and then they closed the account before I could use it. They removed the inquiry off my report as agreed to in my previous complaint. But they have n't honored the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: AZ
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:
Ive contacted XXXX 6 times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days.

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 2021-12-19
Company: EQUIFAX, INC.
State: DC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Risecredit, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I attempted to secure a loan using Rise Credit. After waiting several days for a response, I called and they informed me that they were not able to continue to process my application because there is a fraud alert on my credit report and I must contact to credit bureaus in order to update the phone number or have the alert removed. I informed them that the alert was removed several months ago and there is no phone number to update. They then told me that they are getting an alert when they attempt to view my credit file. I did a conference wall with a representative from Rise Credit and the credit reporting company they said they used, XXXX. During the conference call, the representative from XXXX stated that there is no fraud alert or consumer statement on my file, and this was heard by the representative from Rise Credit. They informed me that the application would have to expire and then I could resubmit an application. The application expired on XXXX XXXX, XXXX and I resubmitted an application on XXXX XXXX, XXXX. I called the following day, XXXX/XXXX/XXXX and the representative told me the exact same thing, that an alert was on my file and I would need to update the phone number so they can call to verify, or have the alert removed. I then spoke with a gentleman named XXXX, who works in their verification department. I did a conference call with him to the credit reporting agency again. During the call, he heard the representative say that there is no fraud alert or consumer statement on my file. They have not attempted to access my credit report, or they would know there is no alert. The last time they accessed my credit file was XXXX XXXX, XXXX, and at that time there was a fraud alert on file, but it has since been removed. 
There lack of proper handling of my application has caused undo XXXX and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I submitted a complaint thru CFPB regarding a fraudulent account Capital One is trying to collect on. The stated they verified it was mine sent me a bunch of bills could not supply me with a credit application with my signature or anything because it was submitted through the internet by someone who stole my identity. all they could supply was copies of the bills.

Company response to consumer: Closed with non-monetary relief