BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had an XXXX XXXX XXXX XXXX credit card for many years. I hadnt used the card for quite some time and for that reason, I hadnt received any statements from them. In XX/XX/XXXX, I received a Pre-Legal Notification from Midland Credit Management stating that I had a balance due of {$13000.00} on a XXXX  XXXX XXXX XXXX XXXX credit card and that I should contact them. I spoke with XXXX XXXX on XXXX. She told me the last time the card was used was XXXX. I told her that they werent my charges. She said she would send that info to their Fraud Department. I received a new notice from Midland in XXXX. I called and spoke with XXXX XXXX on XXXX. He told me the account had been delinquent since XXXX and was placed for collection with them on XXXX. He also told me, that for some time, the address on the account was listed at XXXX XXXX XXXXXXXX XXXX XXXX, New York. I have never lived at that address, and I have never lived in New York. He said he would report this information and I would hear something within 90 days. I received a notice from Midland in XX/XX/XXXX requesting the details of my complaint. I reiterated everything above. Again, in XX/XX/XXXX, Midland sent another notice saying they were uncertain of what I was disputing. I wrote back, stating that I was disputing the charges of {$13000.00}, as I did not incur those charges, nor did I change the address on my account to New York, and that I want to report this as fraud. I just received another notice from Midland stating that I need to provide them with a fraud affidavit, which is why I am now writing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: TX
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:
fcra violations please see attachments : not mine XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Closed 26 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$8100.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$8100.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO - - - - XXXX 60 60 90 CO CO CO CO CO CO CO CO CO XXXX - - - - - 30 30 60 30 60 90

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: IL
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 an affidavit of truth and facts to Experian. An unrebutted affidavit stands as truth and a claim can be satisfied ( only ) through rebuttal by counter affidavit point by point. I've sent this Affidavit of truth and facts so the CFPB can authenticate sworn testimony from my end.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish an 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 the records of convictions of crimes 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 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 2018-04-19
Company: Cordoza & Wexler Recovery Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, On XX/XX/XXXX I took out a {$400.00} loan with XXXX XXXX. The debt was assumed by XXXX XXXX ultimately and I paid it off as of XX/XX/XXXX. I have all the documents from XXXX XXXX and XXXX XXXX to support this and have spoken with someone from XXXX XXXX today who verified this. However, I have received a call from attorneys Cordoza and Wexler who say that I still have an outstanding account with XXXX XXXX and they would like to serve me with a court order! This is absurd as I have paid off the account and have proof. The person I spoke with stated this is on my credit report. I have today downloaded all three credit reports as of today and there is NOTHING from XXXX or any outstanding creditor for that matter. I feel as though someone is trying to bilk me. I recently spoke with XXXX XXXX who assured me that I am not delinquent with them. I called XXXX XXXX   XXXX back and they told me I would need to clear this up in the courts. I have never been served and would never appear for a matter I am absolutely innocent of! I have the proof that I have taken care of this loan yet they respond aggressively and defensively. I have also asked XXXX XXXX to contact them directly. I have been informed by XXXX  XXXX they they are in no way involved with Cordoza and Wexler and have the transcript to prove it. I am attaching the e-mail from XXXX XXXX and the chat transcript with XXXX XXXX. i have all my credit reports here but for obvious reasons did not want to attach those.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
A law firm, Hunt & Henriques, sued me for debt that wasnt mine, and did not serve me properly. I didnt even know about the lawsuit until I got a notice that a lien was placed against me in the county. The law firm filed a sewer service proof of service, when I was actually in a different state. This unethical action allowed the law firm to get a default judgment against me for debt that I didnt owe. This law firm even attempted wage garnishment through the sheriff, and has a lien against me. I called them and they will not agree that they improperly filed documents for debt that isnt mine. Their contact number is XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an email via the XXXX app on XX/XX/2021, that I had an important change to my report. I find that Jefferson Capital Syst made a derogatory entry on XX/XX/2021, causing my credit score to decrease substantially. I am U.S. military member. I do not know what company this is, nor have I received any form of communication prior to this entry being made on my credit report. 18 points have dropped from my XXXX  credit score and 13 points from my XXXX  credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: I.C. System, Inc.
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2023-06-01
Company: Experian Information Solutions 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is challenging for me to accept this situation.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: PA
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 have sent letters on XX/XX/21, XX/XX/21, and XX/XX/21 to the credit bureaus regarding collections accounts and I have yet to received any correspondence from them regarding my disputes. I have send each letter to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have sent letters on XX/XX/21, XX/XX/21, and XX/XX/21 to the credit bureaus regarding collections accounts and I have yet to received any correspondence from them regarding my disputes. I have send each letter to the 3 credit bureaus.

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 2022-10-05
Company: CarMax, Inc.
State: OR
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 paid off my car loan early with a cashier 's check from XXXX that was deposited by CarMax to their XXXX XXXX account. CarMax is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided XXXX with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2010 I enrolled in the XXXX XXXX  XXXX program. To start I was told the total cost for the program would be {$13000.00} ; when I started get statements from FedLoan the price was almost {$20000.00}. I was also not told by XXXX rep that the XXXX  part of the program would allow me to work as a XXXX XXXX, this was not true. XXXX does not have Accreditation nor do you get enough education to qualify for that type of job. Upon graduation, due to the constant exchange of teachers quiting, students were not receiving proper XXXX training, and thus did not have enough education to gain employment. Most of us were not allowed to take our state boards and the school Administrators would try and talk you in to re-enrolling to redo the course or even take something different. The school has since closed and I have been told through their company I am not allowed Loan forgiveness. I have never gotten a reason as to why I was charged more for school nor have I received a Graduate certificate and I was never eligible to take State testing to become a XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A card company duplicated inquiries to pull from my credit multiple times. Resetting the clock on the debt to remain on my credit report longer. I did not authorize this and by law technically my information was used fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every since then I haven't been able to receive credit.

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 2023-04-10
Company: CAINE & WEINER COMPANY, INC.
State: MO
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:
Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 




Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: United Collection Bureau, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
United Collection Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Somehow I missed recording our new mortgage payment amount which we were allegedly notified of in XX/XX/XXXX. So we have continued to pay the old monthly amount of {$1500.00} until receiving a notice this week that we had an overdue payment for XX/XX/XXXX and with the XXXX payment due we owed a total of {$3200.00}, which is completely false and misleading. Every monthly check to Flagstar Bank had cleared our bank every month up to and including XX/XX/XXXX. 

Upon calling Flagstar to find out what was going on, they told us that they did not show any payment as received if it wasn't for the correct amount due. So even though we only owed ( as it turned out ) {$18.00} to Flagstar, the Flagstar statement said we owed {$3200.00} on the XX/XX/XXXX statement. On prior XXXX statements ( XXXX, etc. ), my erroneous payment of {$1500.00} was duly recorded and credited with no notification that it was incorrect ( I don't always look closely at the mailed statements as I pay bills through our local bank, but I sure will now ) and NO balance due shown. 

Further, Flagstar said they had notified us of the erroneous payment and today emailed us a letter we had not seen dated XX/XX/XXXX which said the total amount due is {$1600.00} and to bring the loan currrent, we should pay that amount plus {$79.00}. Furthermore, the same letter noted we had paid an erroneous amount of {$1500.00} ( which amount we had never paid, only the monthly {$1500.00}, all of which we can document ). The Flagstar numbers sent to us, together with their statements, that they never recorded XXXXshort ' payments ( some of which they certainly did ) and then to bill us for more than {$3000.00} when we owed {$18.00} smacks of flim flam, customer manipulation, or the worst computer system in the history of the world. I told them we would complain to the CFPB as their practices seemed at the best confusing, and at the worst unfair, deceptive, and fraudulent.

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 2021-06-21
Company: Experian Information Solutions Inc.
State: TX
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 have spent weeks attempting to resolve an issue with Experian. I am a trans person who has changed her name with the Social Security Administration, my state government, my employer ( the Internal Revenue Service ), and my creditors, and I have been fighting to change my name with credit reporting agencies. Currently, they have two accounts associated with my social security number, and my credit history is associated with the account under my XXXX. I can not get them to respond to phone calls or emails. I have no idea if they've even attempted to resolve my problem. My online account under my XXXX  is still active and still shows associated credit information. I can not create an online account under my new name. Experian has not helped me in the slightest.

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