BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-11
Company: Capio Partners, LLC
State: WI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An old collection filed on XXXX XXXX, XXXX showed up as a new collection reported on XXXX XXXX, XXXX from CAPIO PARTNERS, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have recycled the old collection to a new collection which showed up on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Collection agency called my sons and informed then that i had charges filled against me and that they had sheriff officers on stand by to charge me. And that I owe XXXX XXXX dollars for a XXXX XXXX XXXX XXXX dollar debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: BG Lenders Service LLC
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A man from BG lenders has contacted people oin my family related to a car loan that I 'm working to catch up on. He never leaves a name on a the card but shows up & calls many people in my distant family making threats against, slandering my character, ect. He goes by the name of XXXX ... Plz help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card
Issue: Late fee

Complaint:
Synchrony Bank 's, for the American Eagle credit card, online system shows a late fee despite my payment being made on-time ( by XXXX XXXX at XXXX Eastern ). I made my payment at XXXX Eastern. According to the unprofessional CSR talking over me and laughing while I was talking to her the system automatically generates a late fee if a payment is posted to the account by XXXX. This was not stated in any notice to me. She claims that " the system '' does n't recognize the payment until the payment posts and is no longer in a pending status. All I saw was a notification e-mail that I was charged a late fee.

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 2016-11-21
Company: Conn's, Inc.
State: TX
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 contacted BOTH companies numerous times. Conns sent me a letter stating this is sold to XXXX. XXXX sent me a letter stating they have contacted the ORIGINAL creditor numerous times with no response. I have since mailed/emailed XXXX as well as Conns to remove this # XXXX it 's not mine # XXXX they can not /have notverify this account no response since XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/2016 I sent a certified letter to Credit Collection Services to verify debt which they ignored I also sent XXXX additional letters asking for verification and again was ignored with no response

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Consolidated Management Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Empowerment Ventures, LLC
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I made transaction on my Rushcard that resulted in lost funds and interactions with very rude customer service agents and a rude dispute department. I made several transactions that are not showing up in my account. They are telling me that these transactions were never made against my account - Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX My bank statement does not show these transactions but they were made to the company identified in the information about the transactions. 
I want to have a repair of my bank statement done and find out why my debit card was altered to no show these transaction and why my account is in the negative. 
I was allowed to make transactions on my account when it clearly showed that the account was in good standings. However, later changes where made that made the account go in negative standings. I also had problems with my transaction with XXXX on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Astra Business Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
debt that was written off over ten years ago by hospital i worked for.I do not owe this. they are calling repeated to collect debt. i have informed them several times it is outdated by law and to stop calling. no avail they keep calling. i finally got name of company. astra business services in XXXX N.C & gt ; the caller is in XXXX and refuses to stop calling. this was bought off another agency that closed the account, but evidently they just sold it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: Alliance One, 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:
XXXX claims they sent me something and I never received it. I moved and did n't know they sent anything. They expected me to pay. I will not pay this as I am not obligated to pay for something I did not receive. They sent the debt to Alliance One for payment and they are rude and they hung up on me when I told them to please stop calling me. No matter how many times they call, how many years pass, I will not pay them the XXXX $ they say is owed or anything else. Calling me is completely pointless and leads to nothing but feeling harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent collections posted false and damaging information on my credit report, alleging debt to a company I have never done business with. Also convergent never contacted me by phone or mail regarding this " debt '' to even give me a chance to dispute it before they posted it to my credit report. Also there is no contact information on my credit report for me to contact convergent " collections ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Auto used different debt collector to attempt to force Consumer to pay a debt that was already paid. Consumer had attorney with regard to subject debt. Cap One was notified that Consumer 1 ) paid debt and 2 ) had attorney. Cap One ignored those facts and sought collection any way. 
Consumer : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In my report is u.s.bank which I never used and it was reported as account abuse, reported on XXXX/XXXX/XX/XX/2011 the amount of XXXX I never put any type of money in that account or had any checks for it either, so I would like to dispute this file the routing # XXXX and the account # ends in XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have reported to the credit bureaus, ARS and this is my second complaint through Consumer Financial Protection Bureau. 

ARS refuses to validate the debt they say I owe. According to section 809. ( B ) of the Fair Debt Collection Practices act. 

They never send any copies of proof of this debt or how it is mine. ARS continues to send me a letter with amounts and dates with no judgement, contract or physical proof of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am enrolled in a XXXX XXXX XXXX program. XXXX, a representative of Republic Finance, is calling my wife and I two and three times a day leaving voice mails and he has been calling my daughter XXXX, at work. She has asked him to cease and desist his calls to her but he ignored her and yesterday,XX/XX/2016, he called her four ( 4 ) times at work! 
( She Does XXXX ). When he calls, he does not state who he is with and will not disclose the information when asked. My wife is in poor health, XXXX XX/XX/XXXX from the VA because of my XXXX health. 
This Harassment needs to STOP NOW! He has gotten on my LAST NERVE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Wells Fargo closed my credit card with out notification. They stated that they closed the card because it was not used for 6 months. This action taken by Wells Fargo has had a negative impact to my credit rating.

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 2015-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX hard inquiries XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied fro XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX for ( XXXX ) removed off of my XXXX Credit report on XX/XX/2017 and XXXX for ( XXXX ) was removed off my XXXX Credit Report on XX/XX/2017 and Equifax refuses to remove it from my credit report when it has been previously disputed and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I paid a collection agency for a bill cause they stated fastest way to take care of was pay them then they would remove it off my credit report. Otherwise I could send in my paperwork from my chapter XXXX that I was still in ( not discharged/final court payments not finished ) and they would review and decide what to do. I choose to just pay it as it was only {$110.00} and seemed real easy to just pay rather than collect all the info they wanted. This shows on my TransUnion report still and no other credit agency. Mean while the chapter XXXX has been finished and discharged on XXXX XXXX, XXXX ( official file date XXXX XXXX, XXXX ) and anything dealing with that Chapter XXXX has came of my record as the 7 years from filing has arrived. I payed on this chapter XXXX for little over 5 years and have worked hard to get things back on the excellent side I was on prior to XXXX XXXX in XXXX with inadequate medical coverage that left me to have to file the chapter XXXX in the first place. The credit collector in this cause is causing a stand still of my improvement by not following through with a verbal agreement as good luck every getting something in writing as the will not provide that almost no matter what. Notified TransUnion with their preselected chooses they have and my response back is very vague in the results and I plus any others out their trying to get things right deserve better from a professional company. A consumer who does n't care about a quick dismissal of a response generally would not even bother to ask for such. However, it does state I can further contact them for any additional questions about my dispute request but it is a whole bunch of loops and staying on hold and links that do n't work properly - Why not just give me the report in the first place. Their vague answer does n't even specify that they contacted the creditor. Says : " Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. '' Ok I get what No Change or No changes have been made means but, really Verified? With whom it looks like them selfs well I can pull my credit report and Verify myself that their report says the collection is listed ... .What legal practice is this even right to give that response to a consumer. 
Basically I should never paid this did the weeks of paperwork gathering to have it gone now as I was miss lead by the collection agency. But even at that I was in chapter XXXX when this appeared on my report and all other bankruptcy items have meet their limit of 7 years from chapter XXXX filing and have been removed so even though I privately paid this should it not disappear with this rest.

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 2016-02-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Although it has taken longer than anticipated to find the info, as indicated previously Experian has not complied with the class action settlement of 2014 ( XXXX Experian Information Solutions , Inc. ) which entitles class members to the free Credit Monitoring Product for a period of 3 years. 

Class Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Additionally, although I recently received a credit report ( from your efforts ), it did not contain my score ; as it should have if for no other reason than to show good faith for not providing free Credit Monitoring for over a year since the settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I would like to report a women that has stolen my identity and continues too use my i to get apartments and houses in my name Ive never stayed in XXXX. 
here are the add. XXXX XXXX XXXX XXXX Fl XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX FlThis is ridiculous that these apartment complex are not asking for proof of income to prove furthermore the identity of the person as well clearly look at the picture and see that its not the right person. I am furious and she has cause me many sleepless night I would like to press chatrges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been trying to ascertain why Experian dropped my XXXX score by XXXX points on XXXX XXXX, 2016, after raising it by XXXX points six days earlier. I called Experian, but they deliberately have their system rigged so that the customer service representative will not know why/how they made their calculations.

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 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX XXXX I submitted an Investigation Request to TransUnion and attached XXXX documents. The first document was an Oklahoma Tax Lien Release and the second document was an email from the State of Oklahoma Tax Commission stating I need to requests them to update my record. Before I submitted my request to have the entry removed the date of removal was in XXXX, now they have moved it to XXXX. They need to remove the entire record from my Credit Report as the State of Oklahoma has agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
ive asked for a signed contract they will not show me anything signed sends me a list of bills from itr but nothing signed by me. XXXX complaint always same response. want a signed contract from me or removed i dont beliave i have ever had XXXX i have had XXXX for 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
I am writing to file a complaint on file for the violation of my rights by your company. This is not a new dispute to be placed. You have a grave responsibility to make sure that a formal investigation is conducted and if during the investigation any information not verified must be deleted. Unfortunately, I don't have confidence that you properly verified the alleged bankruptcy listed on my consumer file. According to your response to the cfpb complaint that the source is listed on my consumer file and your website, all public record sources is the federal court and XXXX XXXX. 

I contacted the XXXX XXXX and received a letter from the clerk that the XXXX courts does not report to consumer reporting agencies. I contacted XXXX and received a letter that the alleged bankruptcy was not verified and was removed my XXXX report. Also effective XX/XX/2022 XXXX XXXX verified that all Public record information has been suppressed. So How did you conduct an investigation and verify information that is not listed with your sources? 

I have the right privacy and confidentially, you are in violation of 15 USC 1681i ( 5 ) -Procedure in case of disputed accuracy section 5 Treatment of inaccurate or unverifiable information. 

Attached are proof that the alleged bankruptcy is not listed with your public record sources.

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 2016-02-04
Company: Credit Karma, LLC
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Several hard inquiries on my credit report from XXXX XXXX to XXXX XXXX 2015. Not used with my permission. Possible identify theft.

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 2016-08-17
Company: FIRST ADVANTAGE CORPORATION
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I applied for a bank position online. I got a call for and interview. I then received an email and letter stating the possible employer did a background/credit check. I did not give written consent. I did not give verbal permission either. I then get a call stating what they found on my credit they were n't going to proceed with the interview.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried numerous time disputing inquiries on my report from XXXX XXXX to the present with bureau. I did not apply for a job or was granted credit with these people and want them removed. I have even tried sending letters to creditors with no response from the bureau or the creditors. Transunion also reinserted previously deleted inquiries in XXXX 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 non-monetary relief
Consumer complaint received 2015-07-27
Company: CHECK INTO CASH INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This is a Title Loan for my vehicle that I have a title for. I have the receipts of payments and the amount financed is not moving downward. I have never been late and paying more than the minimum amount due. I believe this title loan is a big rip-off. I just need another opinion.

Company response to consumer: Closed with explanation