BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital One Bank USA NA is reporting on all XXXX credit bureaus under my name. I am XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX. I previously resided at XXXX XXXX XXXX, XXXX, XXXX XXXX. The person who opened up this account in my name, using my SSN has been identified by the XXXX XXXX and XXXX XXXX XXXX XXXX has XXXX XXXX XXXX of XXXXXXXX. I have informed this credit card company that I 'm a victim of identity theft and that this account was opened fraudulently in my name. They have in turn sent me a letter stating that I did in fact submit an unsolicited on-line application for this credit card on XXXX XXXX, 2016 and that I live at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX The letter says that I submitted this application using my name, DOB, and SSN but at this XXXX, XXXX address. I have never lived in XXXX, XXXX, and have never stepped foot in the state of XXXX XXXX XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and has previous applied for and obtained a XXXX XXXX of XXXX and a XXXX XXXX in my name using this address. I have since gotten the XXXX XXXX and XXXX XXXX removed from my credit report as fraudulent accounts. However Capitol One Bank refuses to remove this fraudulent account from my credit report. It is ruining my credit and I have no way of getting the person who has stolen my identity to stop using it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: Secure Capital Management, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Received a phone call from my mother stating that some contacted her pertaining to a legal matter and wanted to meet me jn person. I returned the a message o my phone from the same person who answered the phone " hello ''. I told them i was returning a call and he said my name then started asking personal questions. I interrupted him and stated I would give no information without verification of who he was. He mumbled " SCM '' a few times before i asked him what " SCM '' was. after a few times of asking he told me Secure Capital Management. He asked when the best time would be for me to be home and meet someone who would be delivering me certified legal papers for me to sign. He then went in to give supposed details of the balance owed, to whom, the date opened, and what he could settle it for. I told him I would contact my legal counsel and they could deliver the paperwork to him. He stated he had to have this taken care of by end of business today or they would go forward with garnishment and court proceedings. I let him know that it would cost them way more to take it to court than the little {$390.00} balance I was to supposedly owe, all I want is official paperwork proving the debt. I told him I would need confirmation of a debt owed and he stated that its legit and would be on me to prove its not because all my personal information was tied to it. I told him I had no problem paying the balance if I received paperwork or something showing this debt owed was true and the company was real, I explained to him I was not handing my personal information over unknown if it was a scam or not because how he answered the phone and with never receiving a bill or phone call prior to this date. He stated that he would send me an official email but I had to call him back within an hour so he could follow up with the clients for further legal action if needed and I ended the call. He never relayed to me that it was an attempt to collect a debt and any jnformation would be used for that purpose. I confirmed with original debtor that there was an outstanding balance and did call the company and spoke to another staff to pay the debt. Debt was paid but he did relay the information I requested from him that the original staff name was XXXX XXXX who gave out my information without ensuring it was me, did not tell me that this was a call to collect a date, and that was dishonest about it having to be finished today or court proceedings would begin. Can theh call and tell you to set up a time to have someone meet you to sig for certified legal paperwork? I thought court papers would be mailed certified amd signed for through XXXX or delivered by county sheriff and signed for through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: LA
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 have submitted several letters to Experian disputing this Account with ( XXXX XXXX XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter stating that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows some INCORRECT information such as the ONLY XXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK SUCH AS : *** '' last verified '' and ''closed date ''. In the ''creditor remarks '' field it does not state that the account is being disputed and clearly it is because I have sent several letters to Experian AND ( XXXX XXXX XXXX XXXX ). THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against Experian credit bureau and ( XXXX XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2017-03-24
Company: Check Security Associates, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Warner Asset Location Services called me on XX/XX/2017 for the first time. They told me the amount I owed for a past payday loan, and demanded I pay in full amount right then. They threatened that I have one hour to pay, or she 's going home and at that point they are faxing my employer a letter of employment verification and starting the process to garnish my wages. Their communication got worse from there. I asked for time to talk to my husband and she warned again that I only had one hour to call her back and make my payment. My husband advised that I ask for a letter in the mail to verify my debt. When I asked for this they said they do not have that because they are not the actual debt collectors, but an asset location agency. They refused to tell me who owned my debt and refused to mail me documents for my debt. They did e-mail me a " Letter of demand '' stating how much I owe their company. When we asked again for a letter in the mail the manager I was speaking to stated " We already sent you the email with the amount owed, we will not be sending you anything other than that. '' They continued to tell me that I must make a payment that night or they will be starting the process to take me to court in the morning. They gave me two options after we told them we did n't have the money. Our options were a settlement of the original loan paid in full at that moment, or payments of $ XXXX monthly until we reached the amount that we owed them. They refused to take anything less than {$200.00} a month. Finally, in tears from stress and intimidation I made the payment of {$200.00}, with an agreement to make another payment in full of the remaining amount because that 's the only option they 'd actually give me. They refused every payment method other than Visa or MasterCard. They told me if I was unable to make the full payment at the end of XX/XX/XXXX to call them back and talk to them and they would work with me. When I called them back toward the end of XX/XX/XXXX, unable to make the full payment, asking if I could make another payment of {$200.00} the woman refused to accept this, telling me it was not in our original deal. I told her if she will not accept it, to remove the payment arrangement from my account and to NOT take out from my account for that following Friday. I was in distress from their harassment when I made the agreement of paying the remaining amount, and now that I told them not to make the payment they are harassing me, calling 4 times in an hour and a half. After I was of sound mind, I realized this is not a legit collection practice, even if the business is, which, I 'm unsure of, because they refused to give me any information, and I could not find any information on their company on any business, collections, or XXXX site. Only other complaints.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have an account with Penfed and they recently cancelled my credit cards without reason and without warning. The excuse customer service gave me is that they " could n't verify my income ''. I have submitted my XXXX and paystubs TWICE and they did n't say anything was wrong with them. For them to close my accounts AFTER giving me the cards is beyond unprofessional. If I was n't credit worthy to them, they should not have given me the cards in the first place. Even worse, they closed them just before the statement is sent to the credit bureaus so now it shows me as having a credit limit of {$0.00} with a balance of $ XXXX+ which has SIGNIFICANTLY lowered my credit score. This whole situation is beyond unfair.

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 2016-05-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove XXXX accounts yet Equifax continues to report accounts. Please delete accounts numbered XXXX from my credit report immediately as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Ive been disputing a credit card that is reporting on my credit report that is false and causing me to be denied credit. I receive letters for three different debt collectors about the same debt, when i try to dispute with the address given my mail is being returned to sender. I have no knowledge and or contract with this company or any of the other companies that is trying to collect on this inaccurate debt. the alleged debt is in the amount of {$750.00}, I have not been provided with any proof that I owe such debt from any of these debt collectors and credit bueraus. Everything continues to come back as verified accurate still with no proof of accuracy. I have a letter form the alleged original creditor XXXX XXXX XXXX stating that they have no record of the account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: ATG Credit, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
a collection company by the name of ATG is collecting for a loan that was charged to my name. I explained that the loan was changed by the company in error because I never took the on line classes and was to be cancelled but they did not cancel the loan at all. Original loan was last paid in XX/XX/XXXX but this collection company wants to keep it on my report from the date it was put into collection from the original debtor not the time it was last paid. 
I explained that I read that bad charge offs come out after 7 years from last payment, but they want to put it from last date of transferred to a collection company. Spoke to original debtor and ATG and both of them confirm the same thing. 

I am in the process of using my credit and this debt is showing up that it was open again in XX/XX/XXXX vs the original date of XX/XX/XXXX - from the time it was again put into collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aargon Agency has re-barred a debt because I am XXXX and trying to get a mortgage. They are stating on my credit report that the account was opened on XX/XX/2020. The account had gone through the cycle of 7 years and they rehashed it to stay in business and employed.The amount is XXXX. They have been written up as a bad debt collection agency that harasses people.

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 2017-02-14
Company: I.C. System, 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 is not mine

Complaint:
On XXXX/XXXX/2013, XXXX ( at XXXX XXXX ) in XXXX XXXX, Indiana told me that my upcoming XXXX would cost me ( out of my pocket ) {$25.00} deductible and either {$12.00} or {$26.00} extra based on whether it was an easy XXXX or a difficult one. XXXX said that " the rest will be written off because of our contract with XXXX XXXX. '' They XXXX out on XXXX/XXXX/13. Afterwards, despite having what I was told was an easy XXXX, I was told that I owed the higher {$51.00} amount. Fine. So I paid it off before leaving the office that same day. Then, in XXXX, I get a bill from XXXX XXXX corporate office for another {$60.00}, still owed for my procedure!!!! I called XXXX at the XXXX XXXX office where I had my procedure done, and explained that I paid the bill in full ... ... .The {$51.00} that I was told was my share of the complete bill. She left the phone, and came back shortly. XXXX exact words to me when she returned to the phone was " Yes, you are correct. The total charge should have only been {$51.00}! '' which I had already paid! So I also called " XXXX '', back from the corporate office, and informed him what XXXX said. Next thing I know, I 'm getting another {$60.00} bill in XXXX 2013 from a DEBT COLLECTION company! So I called " XXXX '' from this IC SYSTEM debt collection company, and explained this entire scenario to her. I emphasized that XXXX, from XXXX, told me TWICE on 2 different occasions that my total bill of {$51.00} was paid up, and I owed nothing further!!! What kind of company is this " XXXX XXXX??? '' Now it 's affecting my CREDIT SCORE!! iT 'S GONE FROM XXXX DOWN TO XXXX! That 's not fair!! Please get back to me ASAP. I 'm considering calling the BBB. XXXX 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 explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: DE
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 submitted disputes and an FTC report for fraudulent negative accounts that are on my credit reports. The accounts are the following : XXXX - XXXX XXXX {$2100.00} Experian - XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX  - XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$2100.00}

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 non-monetary relief
Consumer complaint received 2017-01-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
At the apartment complex, XXXX XXXX XXXX, which I lived in at the time said email was not a written form of notice. By law, email is a form of written notice in the state of Texas. All months of rent that were included in the leading contract were paid. Payment was never behind and always on time. Returning the apartment keys in which I was living in, they informed me they never recieves notice, nor did they have the many complaints about mold in the facility I happened to be living in while XXXX. Proof remains in my hands, and after presenting them with this proof, they still denied everything. Legal action was taken and a lawyer sent a legal notice to the office. There was never a response. I, or the cosigner, never recieves any disclose that we would be sent into collections. We will take legal actions, obtain medical records of the illness I developed while living in a moldy apartment, and will provide evidence and proof of necessary, showing we were wrongfully sent to 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 2017-10-11
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: Was not notified of investigation status or results

Complaint:
Hi, I 'm submitting this claim against Experian because I had three collection agencies ( the only three on my report as of now ) that were never supposed to be on my report in the first place from a collection called XXXX XXXX XXXX ( scamming company please research them ) 1st off they have never sent me information proving this debt belongs to me ( signed copy with my signature ) I filed a Dispute so experian removed this my score was a XXXX by them removing this then I look up about 10 days later and realized it was a XXXX and they re-added all theee collections back on there. 2nd of all even if these were validated /verified which were n't because it 's not verified until they send me proof of my signature on this debt they did n't notify me within 5 days that they were putting these back on my report which is breaking the fair act law. I 've worked so hard to get my score to the XXXX XXXX just for them to re-add those collections back on there that were never suppose to be on there.

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 2017-08-15
Company: EQUIFAX, INC.
State: FL
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:
XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late.
4. XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Big Picture Loans, LLC
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Received a mailing from a company called Big Picture Loans ( www.bigpictureloans.com ) stating that I was pre-approved for a loan. I applied online, and halted the process - the company is charging in excess of XXXX % interest on their loans. In order to borrow the approved amount of {$550.00}, it would have cost me over {$3000.00} to repay over the course of the year following. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX collections, all less than 500 $ on my credit. most are 2-3 years old. I disputed the balance, as they hospital sued me, which also shows up on my credit report. So the collections show up twice once in collections and once in civil. After complaining ALL the collections were removed and made into missed payments and current debt and not collections.

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