BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: GEMINI CAPITAL GROUP, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. Gemini Capital Group, LLC and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account Gemini had purchased that was originally a credit card from XXXX XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` XXXX '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Aargon Agency, Inc.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was not notified at any time of these debts that I am being charged for by XXXX XXXX XXXX XXXX on XXXX. I sent a certified letter which I had tracked to see that it was delivered to the original creditor asking to get information regarding the XXXX accounts on XXXX/XXXX/XX/XX/2015, and never got a response from them. I also filed a dispute with XXXX to have these items removed off of my credit report because I do not owe these bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-22
Company: Arias Bosinger
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The Preserves at XXXX XXXX XXXX XXXX XXXX, through and by their attorney XXXX XXXX, with fraud upon the XXXX XXXX XXXX obtain a summary judgment and sold my home at auction on XX/XX/2022 without the proper procedural manner. I was never served any notice of lien or notice of intent to default. Now they have alleged to have purchased the property at auction and I still have not received all the notification I am required through due process to respond in a timely fashion. I believe that there is fraud with that organization and the courts help them. I would like a full investigation is due and they never had any legal interest in the home and that the original note and mortgage with the alleged mortgage company XXXX XXXX is also fraudulant.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being reported to credit bureau negatively for a collection from XXXX XXXX XXXX XXXX for a debt of {$1300.00} that was paid by XXXX. The company refused to delete the account from my credit report. I don't owe this debt as I had XXXX XXXX XXXX  and XXXX coverage at the time of service.

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 2021-12-14
Company: CARD Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
First travel had a cent authorization the card com block my card and left me stranded on the weekends there office was closed and charge me almost XXXX and file dispute notify them pertaining XXXX authorization of refund so showing proof still claim the bank is disgusting and constantly ripping me off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/16 I noticed charges to my account that were not mine. I promptly contacted Amex XXXX to file the dispute. Amex XXXX determined that the charges were authorized. However, I never made the charges and Amex never notified me of the suspicious charges totaling {$1100.00} all in a matter of hours. When I requested the documentation to show why they made their decision they refused to send me the documents or let me talk to someone who made the decision. After I filed my dispute Amex XXXX then terminated my card and said I violated the user agreement. When I asked what I did they could n't tell me. I have filed a police report and sought the advice of an attorney and he told me to make a complaint here. The money that was on the Amex serve card is my direct deposit money for my financial aid. Now I 'm out the money I borrowed which I will have to pay back and I can not use the money for its intended purpose my education. I have contacted Amex XXXX numerous times and get the run around. I asked them to reopen the investigation and they tell me no. I ask them to contact the business that the purchases were made at and they say no. I contacted via email the business myself explaining the charges were fraud and have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Experian has said nothing has been updated or changed and can NOT use the title as proof that my vehicle is PAID FOR and not in repossession. Falsely saying it was repoed in XX/XX/2019 when thats when it was paid. They refuse to fix my information to accurately say what Is actually true and a proven fact! They are falsifying a legal document

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 2019-12-18
Company: Golden Title Loans LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/19, 745-Cash assessed charges to my checking account that the loan was not associated with, it was associated with a different checking account from an entirely different bank. There were 2 charges assessed, the first charge was in the amount of {$420.00} and the second amount was for {$30.00}. 

Leading up to this I got on a payment plan and made the first payment with my XXXX XXXX XXXX account, the payday loan was written from my XXXX XXXX account. They went in and debited the entire payday loan amount from my XXXX XXXX XXXX account even though they had no paperwork authorizing them to do that. I asked them to reverse the charges and they refused even though they took the money fraudulently. 

After refusing to refund the non-authorized charges, I had to go into XXXX XXXX XXXX and file the paperwork for the fraudulent charges to have them removed, resulting in a {$50.00} charge from my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
acct number # XXXX, Capital One N.A. 

I, the Consumer, and natural person, had their credit card account closed by CAPITAL ONE when I mailed legal tender under U.C.C. 3-603. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in Title 15 U.S. Code 1691c and is pursuant to civil liability under Title 15 U.S. Code 1692k. You are subject to criminally liability for violation Title 15 U.S. Code 1691 as I have proof that I was discriminated against by CAPITAL ONE due to the response I received. CAPITAL ONE is in violation of Title 15 U.S. Code 1642, U.S. Code 1681m, UCC 3-603 and 12 CFR 1002 because I, the Consumer, made a legal tender payment in good faith, but credit to my account was not issued. CAPITAL ONE is in violation of Title 12 CFR 1026.11 ( b ) ( XXXX ) - ( XXXX ). Your company can not close my account due to the fact I incurred a finance charge. My account was not inactive for more than XXXX months. There was no need to close my account.Furthermore, because my social security number ( credit card ) was used, and my account was funded via my XXXX XXXX XXXX I should receive ongoing credit on behalf of CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Investigation Request Letter To Whom It May Concern I've recently receive my consumer report in attempt to improve my credit to better my livelihood and i noticed an account that i would like more explanation on i am not saying they are reporting right or wrong im saying im not 100 % sure if they are. As it states in the Fair Credit Reporting Act by law i have the rights to callenge anything i am not sure is 100 % accurate. It also states in 15USC 1681 i ( a ) if you caint provide proof this account must be deleted. Well i want this account deleted if it is not 100 % accurate. And by law you have 30 days to complete this investigation. Please investigate this account and remove if anything is incorrect or missing thank you. 

XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been talking to this company for two years telling them thet it is not my debt they have even admitted on the phone it is not my debt but i still had to pay it. And after doing further research on this debt i have found this company to be violating the fair debt colection practice and XXXX stateLaw ors XXXX which states that a collection agency after 6 years can not take a person to court a file any. Our file any court case. And since acording to them this is a card from XXXX. This company has also file false court document to XXXX county statting that a garshment placed on my checking account did not produce money that is a lie my bank sent them a check for XXXX. Also even thought they have know that i live in the state of XXXX for the last XXXX years they still file all documents in XXXX county in XXXX and on most paper work they try and put XXXX XXXX instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: The Thomas Agency, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I had no money had all I could do to pay my rent. Offered to pay XXXX $ per month and he refused it. Called me at all hours. Never in my life have I had someone be so rude and disrespectful and not want to work with me. He made me feel about an inch tall and I cried I was so upset. Now on XXXX report these do n't even show and XXXX dies and has dropped my score. I had no idea I could dispute this. I did n't know to even dispute it to. Asked to speak to his manager. He basically told me I was trash. I did end up paying the XXXX $ XXXX and it 's still on my credit report. I just want it removed off the XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Open Dealer Exchange, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I tried to finance an XXXX at XXXX XXXX XXXX and the advisor who helped me told me that there was no bank that would help me finance the XXXX because of a debt collection I had of {$590.00} of a medical bill but I had investigated the debt that I supposedly owed through the XXXX XXXX and XXXX XXXX and told me my debts were paid.

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 2022-07-22
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This creditor is attempting to collect a debt that does not belong to me. My information was stolen by identity theft. The creditor was alerted and is still harassing me and reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Autovest, L.L.C.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
So Autovest agreed to payment arragements of {$250.00} a month. ( See Case number : XXXX ) I can not afford that. I called several times to see if we could come up with a better arrangement I could afford. No calls back at all. Now they are garnishing my paycheck again. Almost {$700.00} a month. 1 ) I no longer own this car 2 ) I am a single monther 3 ) Thinking that when they sued me ( again I was not aware ) the statute of limitations was up. Now I 'd love to take them to court but I ca n't afford a lawyer for this. I know what they are doing is illeagal and immoral. However since I ca n't counter sue them I need a payment arragement of {$150.00} a month. When they agreed to payment arrangements to start XX/XX/XXXX I was still being garnished and payed almost {$600.00} that month. I tried to get clairification which again I received no response. I need resolution ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XXXX  credit reports that I applied for a Best Buy CitiBank card on XX/XX/XXXX. This activity is fraudulent. I have called Best Buy 's hotline and ensured them it was fraudulent activity and they recommended I dispute here. This activity needs to be removed from my XXXX  credit report. 

On XX/XX/XXXX, XXXX  reported that I took out a XXXX/XXXX XXXX card. This activity is also fraudulent. I have reached out to XXXX XXXX hotline as well and ensured them it was fraudulent activity. This also needs to be removed from my XXXX  credit report.

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 2021-12-14
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
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: Credit inquiries on your report that you don't recognize

Complaint:
I Checked my credit like I always and looked and seen that there was inquiries on my credit that I didn't authorize so I emailed the company and they said I gave the permission through a phone conversation that I never had with them I have fraud alert on my consumers report for reason like this because I know somebody used my identity and it wasn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and Santander was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to XXXX XXXX in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: MD
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:
Every month Since XX/XX/2021 I have disputed inaccurate public record information and equifax either ignored my disputes, lied regarding the validity and also admitted their investigation was fraudulent. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family friends, Congress never said you can buy bundled data electronically and that makes it accurate. Equifax never investigated the data they placed on my personal report thats completely harmed and hindered my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So, I did their job for them. I investigated and attached is proof that equifax has violated me for years and Congress states I am owed damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Indiana XXXX XXXX used a report from Lexis Nexis to increase our auto insurance 13 percent. six percent was normal increase. They said the other 7 percent was due to an insurance score increase from XXXX to XXXX. I have asked and written Lexis Nexis to detail the reason for the change but have not received a response. I have copies of the report that shows the increase from XXXX to XXXX but it reveals no basis for the change. My credit remains top notch with no late fees, bankruptcies or adverse credit. I would like to have the opportunity to review the changes so I might challenge them, The changes happened between the XX/XX/XXXX insurance renewal and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had my name legally changed on XX/XX/XXXX, and updated eith the Social Security XXXX XX/XX/XXXX, and officially with XXXX XXXX ( my student loan agency ) on XX/XX/XXXX. They have submitted my updated name on the reports every end of month since the update- as I have been told today, XX/XX/XXXX, around XXXX XXXX  XXXX. My ID was changed as of XX/XX/XXXX. I have contacted the company a few times to try to get it processed, yet nothing has come of it, and the representatives are never able to help.

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