BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am using Care Credit which is for medial use only. My mom needs XXXX XXXXXXXX and is going to use that card to pay for it. When the doctors tried to use the card it was declined. The card was never used before so the company closed the account due to " inactivity. '' The problem is that the card is used for medical uses. Legally speaking they should not have the right to cancel the card when I will only use it for a medical emergency or a scheduled XXXX especially without notification. If the doctor 's office was not able to help me reapply or that the application was declined, I would of sued the company for criminal neglect and be legally liable for denial of medical care.

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 2016-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
Prior to my late payments that were reported to credit bureaus. I called to advise them that I was going to be late on payment XXXX payment. This was to avoid late fees. I always make payments on the XXXX of the month. I thought I was in good terms, because I was enrolled in automatic payments as well. Capital Onedid not call me leave a message or advise me that I had 2 missed payments. Which It was not true. I have been in good terms with Capital One. Now they have refuse to remove negative reporting to credit bureaus, can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX, XXXX, 2022 I sent in a letter to request removal of a fraud alert listed on my credit file. I have not received an update or confirmation of the removal of the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I faxed a dispute letter on XXXX XXXX 2016. I went to log on their dispute tracking system to find out that they never started an investigation the the inaccuracies on my credit file. I gave equifax ample time to complete an investigation and they disregarded my letter and are being very detrimental to the status of my credit file. This is not FCRA compliant. I know they received the fax because I was given a reply of successful completion of fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing a fraudulant account that is on my credit report. XXXX XXXX keeps sending back that it is mine but it is NOT. It is affecting my credit score and my ability to obtain credit. I have been disputing this fraudulant information for months and am requesting to please remove this fraudulant account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. As have XXXX XXXX XXXX. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer getting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end cunsumer plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 : Assestcare LLC furnished negative information on my credit report without first notifying me a the consumer violation 15 usc 1692 ( f ) A dispute was filed more than five times online with XXXX yet a proper investigation failed to happen until XX/XX/2022. 
XXXX : the first dispute was filed online report # XXXX My XXXX  score also decreased by XXXX points XXXX : ASSETCARE dispute was updated. improper investigation was made. Repport number XXXX the account remained on the credit report XX/XX/2022 ASSETCARE LLC re-aged and re-polluted my credit report by removing then resubmitting the same account. 
XX/XX/XXXX : account was once again re-aged and re-polluted as ASSETCARE flagged my account for collections, still denying me a proper investigation A letter went out on XXXX and again XXXX for a re-investigation request. At this time i also disputed this online but since XXXX has removed the disputes and their reports to remove their liablilty from this situation. 
On XX/XX/2022 Another dispute was updated. report number XXXX the date this dispute was filed is now missing or deleted. 
On XX/XX/2022 : another dispute was filed online report number XXXX On XX/XX/2022 the dispute was updated and remained on my consumer report. report number XXXX This was continued with many of the disputes missing or deleted. Report number on XX/XX/2022 XXXX is proof of that. 
Assetcare llc has private medical information which is rather embarssing against me and my minor child which they have attempted to use as a way of extortion unsigned affidavit included below In total this company has violated 33 of my rights which totals to {$85000.00} not including damages or distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
RE : Capital One ( Secured Credit Card ) Account # ****************I received a letter around XXXX XXXX 2015 stating that my account was signifigantly pass due and that I should contact a representatuve ASAP. On XXXX XXXX I did so and the representative stated to me that I could pay the minimum balance of {$15.00} to keep my account from closing and out of collections. On XXXX XXXX 2015 I made a payment of {$15.00} and subsequently made payments of {$8.00} on XXXX/XXXX/15, {$18.00} on XXXX/XXXX/15, and {$5.00} on XXXX/XXXX/15 exceeding my minimum balance requirement of XXXX for XXXX. After making an {$89.00} payment on XXXX/XXXX/15 I spoke with Capital One customer service to check the status of my account and was informed that it had been closed and that I owed a balance of {$93.00}. I was told that my the {$190.00} security deposit had had been applied to my balance along with my membership fee of {$29.00}. I was told my account was closed on XXXX/XXXX/15. It was closed over a balance of {$100.00}, the original rep did not inform that to keep my account from being closed it would be {$100.00} or I would 've paid that amount I only paid {$15.00} because I was told that it was sufficient by a Capital One Rep. Now my account has been closed and Capital one has taken my deposit and never sent me anything in writing about my account closing or the other {$100.00} I added toward my security deposit which is the reason my account has a credit limit of {$300.00}, instead I still owe them owe them {$93.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for herself. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX  Account # XXXX : Invalid Date of last activity Transunion shows XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. DELETE this account. XXXX XXXX XXXX Account # XXXX I was never late on this account. I paid XX/XX/XXXX on time. UPDATE to paid as agreed. XXXX is reporting an invalid account number Transunion is showing XXXX and XXXX is showing XXXX Also, the date last active is invalid. Transunion shows XX/XX/XXXX while XXXX shows XX/XX/XXXX. DELETE this account.

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 2022-05-23
Company: Terrill Outsourcing Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called multiple times after being told not to call as they have the wrong phone number. 

All calls are robocalls/prerecorded messages, but in two different flavors. All represent a company named Superlative RM ( superlativerm.com ) Variation 1 : A message in a mans voice saying this is XXXX from Superlative RM and to call back at XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX Variation 2 : A female robot voice saying to to call Superlative RM and to call back at XXXX. This one references case XXXX. 
XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX They have call previously, but i have deleted those messages. 

I have informed these guys more than once not to call. First time was on XX/XX/XXXX at XXXX. 

They are calling a number that has been mine since XXXX. They must be working off of phone number lists that are more than a decade old. I wish the FCC would go after that stuff too. Example, if the phone number hasn't been validated in 7 years, they are not allowed to call it. And perhaps if one debt collector is alerted of a bad phone number, they should pass that along when a debt is sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is the 3rd collection agency supposedly collecting a debt for XXXX. 
The last one I sent a check to them They sent it back saying they did n't have the account. I phoned XXXX they told me They could not get into my account. I hired a lawyer now another company is placing this on my credit. 
If XXXX can not get into my account, then how can collection agencies keep changing and play ing this account on my credit when my Lawyer has told them to cease and desist. 
Are collection agencies above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: UT
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:
For over 18 months I have been demanding that Equifax validate and correct or permanently delete this account from the consumer profile concerning me because it contains incorrect information. I do not believe that Equifax has actually done an investigation on this account. Information is missing and is clearly incorrect when you look at the information side by side with the way it is reporting at other credit reporting agencies. Equifax can not make a judgment call by themselves that information is verified and validated without speaking with an actual human being at the alleged creditor 's business. 

I've notified Equifax of the BILLING ERROR for the XXXX XXXX XXXX  account appearing in credit reports and the credit profile concerning me. I have never been late as XXXX clearly states " XXXX '' to confirm this in their reporting of the information. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I make my American Express payments via electronic payments from my XXXX checking account and have done so for years. I received a Late Payment charge ( {$29.00} ) this month on XX/XX/XXXX. The payment was due on XX/XX/XXXX. 

XXXX 's records show ( attached proof.pdf ) the payment was XXXX on XX/XX/XXXX and Accepted by Payee ( AMEX ) on XX/XX/XXXX. AMEX did not post the payment to my account until XX/XX/XXXX. 
I contacted AMEX and they reversed the Late fee. 

I repeatedly contacted AMEX about concerns I have for future payments since it appears they have changed their processing schedule. They replied ( attached AMEX Reply.pdf ) by placing the blame on " third-party '' processor, namely XXXX. When I contacted XXXX, they stood by the Accepted date as the date AMEX received payment. XXXX could not ( as expected ) comment on why AMEX chose to not process the payment until after the Due date forcing a Late payment charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: SCA Collections, Inc.
State: SC
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:
Account # XXXX. Company name : SCA collections inc. Under us 15 1681.

has violated the XXXX  law. 
In accordance with the fair credit reporting act. 
The list of accounts above has violated my federally protected consumer rights under 15 USC 1681. Section 602 A. States I have the right to privacy. 15 USC 1681 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than convictions or crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-23
Company: Experian Information Solutions Inc.
State: FL
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 complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: ONLINE Information Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Online Collections reported a debt as unpaid open collections years after it has been paid. This misrepresentation is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX I have submitted a complaint with the XXXX. I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.

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 2022-05-23
Company: EQUIFAX, INC.
State: NC
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:
In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX  I have submitted a complaint with the XXXX  I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Loan originator gave contradictory information, which in effect caused the loan to be denied. I am in the process of buying a house in a different city. I was told that having a job in my current city would not suffice, and that I would need to be employed where the home was located. I was told that documentation showing a transfer with my current job, or an offer letter from a new job in the city where the house was located would be acceptable. I received an offer of employment in the new city and provided the documentation showing my start date ( 3 days after the date of closing ), and my expected salary XXXX an increase from my current salary ). Capital One waited over one week from the time the offer letter was submitted to them, in order to notify me that they would need a paystub from my new place of employment before closing on the loan ( this was over 3 weeks from the time of the application ; and more than one month from the initial contact with the bank ). They did not want any other means of verification. I knew from speaking with other lenders that changing jobs would be an issue, and so I SPECIFICALLY ASKED the loan originator what the bank 's process was. He failed to mention that a paystub was required when the question was SPECIFICALLY ASKED upon applying for the loan. Had they even given the slightest indication, the faintest hint, that this would be an issue, I would have started the new job prior to close and been able to provide this documentation. Due to their lack of guidance I was not aware of this requirement, and because to the company 's pay schedule, will not receive my first paycheck until 3 weeks after the scheduled closing date.. Now I have to find somewhere to live in the new city so that I can start this job, I will probably lose the house if it is put back on the market, I am out all of the money I paid for credit checks and appraisals, and I have wasted one month in finding a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation