BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: ENCORE CAPITAL GROUP INC.
State: CT
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:
A derogatory mark has been made on my credit score due to a account being sent to Collections ( listed below ) MIDLAND CREDIT MANAGEMENT Opened XXXX This is from someone fraudulently opening a credit card to purchase plus size clothing online. The credit card is called ( XXXX XXXX  ) The only time I have opened a credit card was at XXXX XXXX ( clothing store ). I believe there was a data breach in their system and my information was stolen. I have refused to pay off the XXXX XXXX account because it is a fraud charge by someone else. It has now been on my credit for 1 yr 11 Mos and negatively impacting my credit score. 
I have disputed this account with XXXX XXXX in the past claiming it was fraudulent, but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-02-18
Company: ALLY FINANCIAL INC.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, when I was invited, applied and was approved for an Ollo Rewards card, I was told in print that there would NEVER be an annual fee. Multiple times in print, advertising and card details. Now, I get a statement in XX/XX/XXXX stating they want to charge me a {$39.00} annual fee. I never prior to the billing statement had received any print or oral communications of a possible annual fee being charged now on my Ollo Rewards card. I ask for a correction in this error and breaking of the terms agreed upon XX/XX/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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I have had XXXX auto leases with XXXX XXXX. I received a collection notice on or about XX/XX/XXXX from XXXX XXXX XXXX for collection on an account that I was told by XXXX XXXX closed in XXXX after I leased a new vehicle from XXXX XXXX ( which was turned in a closed in XXXX. The amount was {$13.00}. I paid the amount on that day and then called XXXX XXXX numerous times to find out what the issue was. They could not tell me as the account was not in their system. In XXXX of this year, my wife and I purchased a home and a {$13.00} account was on my credit report. With a representative of the bank that funded our loan, we spoke to XXXX XXXX to clear up the matter and was told that the account was closed and not to concern myself with the amount. I have spoken to various representatives of XXXX XXXX included the executive customer service area of the company. I was told that the matter should of never gone into collection, since I never received an documentation from XXXX XXXX about the the amount and that they would review the issue and directly take care of the matter with the Credit Rating services. I have not had a late payment in 35+ years and protect my credit rating aggressively. Since this issue, my XXXX XXXX has gone down from XXXX to XXXX with one of the agencies and lower with the others. XXXX 's incompetence in this matter should not affect my credit rating or the costs that are tied to that rating. There low customer review scores are indicative of how they do business and I am sure there are others who have suffered similarly from XXXX XXXX 's business practices. If I knew that I owed Ally {$13.00} in XXXX I would of gladly paid the amount, and since I continued to have a lease relationship with them through XXXX without any notification of the {$13.00} or request for payment, makes this situation more egregious. A company 's poor business practices and management of information should not be allowed to affect new or ongoing customer 's life and ability to live in a credit driven society. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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: Public record information inaccurate

Complaint:
XXXX XXXX is reporting that I have a chapter XXXXI have never filed a chapter XXXX and they said that it was open XX/XX/2019 and XXXX on XXXX XXXX.I called them and they are trying to put the blame someone else.

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 2022-09-30
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested ~ {$21000.00} payment refund from EdFinancial on the end of XXXX to refund some funds prior to forgiveness in order to maximize the plan put in place by Biden. I qualify for XXXX XXXX forgiveness. 

*Was told by the representative that the processing time of the refund has no time frame and they cant check on my refund being processed This may land the refund after the possible forgiveness timeline and me not being able to maximize the Biden forgiveness plan making it to where other debts then cant be paid. 

* Also, I will not be receiving any confirmations, so I have to call to check up on it. Also it does not reflect that i have even requested a refund of the XXXX I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've asked Clarity Services Inc., a part of XXXX, to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked Clarity to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by Clarity are reporting fraudulently, is not true, accurate, or legally verifiable and this violates CDIA standards.

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 2023-01-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX, I filed a complaint regarding Transworld Inc, a private debt collection on behalf the The XXXX XXXX " XXXX XXXX and TXXXX XXXX XXXX XXXX '' My complaint went unresolved. However, both XXXX XXXX ( XXXX ) and Transworld sent letters of debt collection, yet the copies of letters violated the of 60-day Treasury Offset Payment by taking federal tax return prior to 60-days. 
I received a letter back in XX/XX/XXXX regarding collection of 15 % from social security starting XX/XX/XXXX. 
Since XX/XX/XXXX, Transworld has been charging an interest to my XXXX XXXX balance debt. In XXXX and XXXX, my federal tax return was taken but the amount only paid the interest set by Transworld. 
I received a XXXX XXXX XXXXXXXX and {$220.00} is deducted and applied to my debt payment. However, {$200.00} is paid toward my debt. My federal debt to XXXX is not being paid but only the interest. Missing amount of {$18.00} is not accounted for. 
I believe Transworld has stolen {$18.00} from XXXX  and we have no agreement and why is the interest being paid and not my balance to XXXX? 
In conclusion, I have been deceived by Transworld, by not honoring the 60 days, no agreement on interest and theft of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Social Finance, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I received an email promotion on XX/XX/21 stating if I opened an account I would receive {$20.00}. I never received this bonus and today I was told I had to add {$10.00} but nowhere in the promotion does it say that. It has been more than 10 bus9ness days. I was also supposed to get {$10.00} for credit monitoring which I never received, and {$50.00} for a referral bonus. You confirmed the referral was done successfully, but I only received 500 points which equals {$5.00} not {$50.00}. I am missing 4500 points for this referral. I have chatted three times with zero resolution. This is a classic bait and switch and I would like the funds totaling {$80.00} added to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CITIBANK, N.A.
State: VA
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: Problem with personal statement of dispute

Complaint:
WRONG you are referencing the wrong phone call. I called the same month my payment was due to pay off the credit card. I NEVER spoke to that agent at all. All she said was hello and after I said hello she hung up on me. I was on hold for an hour. I could not afford to be on hold for another hour. I thought I paid at the store the following week. I even tried to have the store update my address. The store said they could not. The reason I could not pay nor update my address is because you have a bad phone customer service process. As a result I did not get my payment in on time and I was never notified about late payments BECAUSE of your bad phone customer service. I have everything else paid on time. I pay my mortgages, bills and other credit cards on time. YOU are the only one that has left a derogatory on my credit report and I should not have to pay for YOUR poor customer 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 2023-07-06
Company: Yamaha Motor Finance Corporation USA
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 information incorrect

Complaint:
I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address on the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This report only reflects me in XXXX and does not report me in any other account, so there is another error since there is an inaccuracy. 

This account was closed and paid in full, and at this time I am reporting negatively, the account appears as in collection or declared lost and the account has already been paid in full, there are no pending payments. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible. 

Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Credit Management is attempting to collect on an alleged debt that i have no knowledge of. I never received a written notice to dispute or request validation of this alleged debt prior to XXXX  reporting this invalid information to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/21, a complaint ( XXXX ) was submitted on SANTANDER CONSUMER USA with attached Cease and Desist -- pursuant to 15 USC 1692c. ( c ) On XX/XX/21, a response was received from SANTANDER CONSUMER USA that confirmed verbatim, " We have submitted a request to place the above referenced account into cease and desist status and you will no longer receive any further communication regarding the account except for certain notices via mail required by applicable law ''. 

Meanwhile, the company, SANTANDER CONSUMER USA disregarded their own message. On XX/XX/21 and XX/XX/21 SANTANDER CONSUMER USA called repeatedly. 

Attached are the screenshots of the phone calls. 

Screenshots labeled as yesterday is in reference to XX/XX/21. 

The employee ID : XXXX ( XXXX ) called on yesterday, XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-01-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks

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 2022-01-03
Company: Accurate Background
State: CA
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: Personal information incorrect

Complaint:
My LEGAL last name since birth is " XXXX. '' My step-fathers last name was " XXXX, XXXX but never mine and I have never used it legally or otherwise hyphened my last name. This last name of " XXXX '' is showing on my report multiple times is INCORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was a victim of identity theft back in XXXX where an auto loan was taken out in my name fraudulently. After speaking with XXXXXXXX XXXX that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. In return it caused me to file bankruptcy because that is the only choice i thought i had. The bankruptcy and XXXX account along with another other items associated with the bankruptcy needs to removed because I did not authorize to have my information reported as well as the items in the bankruptcy are not mines and it has caused me a great deal of hardship as I can not get approved for anything. XXXX has already removed the bankrupt from my credit report and i am needing you all to remove it as well.

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 2023-08-15
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I'm writing in regard to Zions Debt Holdings, LLC. I was on a call with an agent on XX/XX/XXXX where the agent promised me a settlement amount of {$300.00}. I called back today XX/XX/XXXX to pay the agreed upon amount and was told there was no record of that information. After management pulled the recorded call from XXXX, they were able to verify this was the information given to me, but instead said that they had " mistaken my account with someone else 's '' even though verifying information is required before continuing a call with them. When I asked for a copy of this call, they refused, and the general manager XXXX XXXX stated that he " doesn't care how many times I request it '' he " will never give it to me. '' I asked for the supervisor ahead of him and he refused to provide me with any contact information. When I was dissatisfied with the service and tried to explain to him that I submitted supporting documents confirming my account with the original creditor was closed in XXXX, XXXX told me that " excuses are like XXXX '' and that I should " take some responsibility in your life and pay the amount. '' In reference to the cancellation, I provided an email correspondence between the original creditor and I where I requested the service to be cancelled and TWO messages confirming the receipt of my cancellation request. To my knowledge, the requests confirmed my account cancellation, but XXXX alleges that if the original creditor made a mistake after sending me confirmation, I am still responsible for the bill. I still offered to pay the {$300.00} to just remove this from my records but XXXX let me know that the " {$300.00} doesn't go in his pocket '' and that he " doesn't care '' and still insists I pay the entire amount. XXXX also informed me there was no way I could get in touch with the supervisor, owner, or anyone further and advised me to give up and pay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried multiple times to communicate with I. Q. Data international , inc and have never had any dealing with the company neither do they have any written contracts to verify this debt. I have also paid the debt with hopes to having it removed From my credit report because I am in the process of buying a home They have yet to remove the debt and it's hindering me from obtaining other credit. Please have the companys to remove this inaccurate information immediately. I. Q. Data international , inc Is in violation of multiple fair credit protection act laws.

1681b. Permissible purposes of consumer re- ports 1692b Acquisition of location Information 1692d. Harassment or abuse

Company response to consumer: Closed with explanation