BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX I was served a garnishment from an officer at my job ( XXXX tn ) from XXXX XXXX. On the garnishment it list Midland Funding LLc. 

I revived letters from XXXX XXXX XXXX law office regarding a XXXX  XXXX credit card in my name. 
I dont own this card and have a letter ( proof of fraud ) from XXXX  XXXX. 

I have already followed instructions of XXXX XXXX XXXX and faxed in the letter but on XX/XX/2023 XXXX XXXX XXXX sent a letter with FTC info because they want an affidavit of fraud. 

Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted First Access Card about a late charge on my account on XX/XX/XXXX and told them to close my account because they are charging late fees monthly pulling money out of me. I was told my account would be closed. I received an email on XX/XX/XXXX about a payment due after I advised this company to close my account. I logged into the website and found that the account was still active and they charged another late fee after I said to close the account. I want the late fees refunded and the account closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am victim of identity theft. Someone tried applying for a credit card in my name. I have reported these actions to the police department and also to the FTC.

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 2023-08-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MIDLAND CREDIT MANANGMENT has illegally posted an alleged collection account to my credit profile. My report shows that it is an open account and was opened on XXXX with a balance of { {$820.00} }. I have no knowledge of this company, nor this alleged debt. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. Never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them.

15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. I have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail they have failed to respond to my request. I am responding about a debt that MID LAND CREDIT is trying to collect. A dispute was filed on XX/XX/2023, which was denied through XXXX XXXX. And identified the debt as " account information disputed by consumer, meets FCRA requirements but did not go into further details. 

I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. 

A debt collector may not have a legal obligation to provide some or all of the information you seek, even if you request it within the 30-day period. If the collector doesnt give you what you request, that doesnt necessarily mean the debt collector has broken any laws or has given up a legal right to collect from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: LTD Financial Services, L.P.
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:
I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). 

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. 
I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter. 
Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a ACH withdrawal this morning XX/XX/2023 at approximately XXXX. I received a text message stating my withdrawal was in progress. 
After I received the text message stating my withdraw was confirmed and would be processed immediately. 
Then tonight at XXXX pm, I received a text and email stating that Citizens Access can not process my withdrawal and the message gave no reason why. 
I called Citizens Access and after being told for XXXX minutes that they couldn't find my account and that they had to look further into the issue. 
Then I was told that my ACH withdrawal wouldn't be processed until XXXX to 5 days. 
It's had never taken a bank XXXX to XXXX? days to process a ACH. Especially when both accounts are in the same name. This bank is trying to hold my funds to prevent me from closing my accounts. 
I spoke to a customer service representative XXXX. I asked her to speak with her supervisor since he said they wouldn't release my funds. Her supervisor who refused to speak with me about my account was named : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: ENCORE CAPITAL GROUP 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:
This is about a collection account reported on my credit reports by Midland Credit Management, a debt buyer. The original debt was from XXXXXXXX XXXX  XXXX XXXX XXXX. THE DATE OF DELINQUENCY IS INCORRECT. My credit report shows that XX/XX/XXXX is when the debt first became delinquent. The true/real date is at or about XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called LVNV Funding XXXX XXXX XXXXXXXX XXXX, SC XXXX ph. # ( XXXX ) XXXX has flagged my credit report on XXXX, 2023. They are asking me to pay {$2300.00} for a debt on an account that I never had. I contacted them to dispute the charges and asked them to send me the original account holders info. After contacting the original account and verifying with them I have never had relations to them I then contacted LVNV again to inform them this is not my account.They told me they would send me an affidavit to sign, but instead reported a collection to my credit report the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has placed a fraud identity alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is with XXXX  I received a modem fromt XXXX Once I returned the wifi modem to XXXX  who was over charging me, XXXX states that they didn't receive the wifi modem. 
I have a receipt from XXXX  showing that I mail it back to them. They starting over charging me I called and asking why nobody fixed my billing I pay last month it XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The full amount the month but take out my number from XXXX  because XXXX continues to charging me for the modem and started over charging me after trying to resolve this matter with them I stop paying them thay put my account in collections I have all my receipts and my bill was paid in full in {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent an American Express Business Card opened in my name which I never applied for. When I received the card I called American Express on XX/XX/XXXX and filed a claim about the account. They asked me some questions and said they would take care of the issue. Today, XX/XX/XXXX, I received more mail from American Express about the benefits associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been abused by American Credit Acceptance for years now... I have a XXXX XXXX XXXX..original sticker price approximately {$16000.00}. To date I've paid {$33000.00} at ( 28.24 % ) $ XXXX ... NOW they say I STILL have 29 more payments!! I have paid DOUBLE what the car 's original sticker price was and an outrageous 28.24 % rate. I have made payments on time ( 95 % early ) ... I am currently and in good standing... there has to be recognition that I have been deceived and preyed on by ACA... for the past 1 year and 5 months while on a LOA from work Managed to make every monthly payment on time and XXXX XXXX insurance each month whilst my car sat in driveway only used for local errands. I've read about lawsuit brought by New York attorneys on behalf of people who had American Credit Acceptance as their lien holder for car purchases... AND i have NOT found one person who's case/situation was worse than mine ... percentage rate at over 28 % and paid over {$33000.00} to date and STILL AMERICAN CREDIT ACCEPTANCE claims I have 29 MORE PAYMENTS! (???? ) Please please help... I have just returned to work a week ago... I have experienced great stress and financial hardship caused by American Credit Acceptance 's predatory, deceitful and purposeful in their pursuit of greed.I want to hold American Credit Acceptance accountable for the outrageous percentage rate purposefully and knowingly my monthly income was ignored and sales agent at XXXX said he 100 % could make a deal with car purchase. I strongly believe I have one of the worst cases as far as being taken advantage of in every way possible. I am disgusted and have had enough of financial abuse by ACA and want an attorney to bring a lawsuit against American Credit Acceptance for the years of deceit, contradictions in " absolute statements '' regarding payments made and total number of payments remaining. I have been deceived... given erroneous and contradictory statements given by supervisors at American Credit Acceptance I look forward to any advice or help from your firm or American Credit Acceptance must be held accountable for the predatory abuse on me. Please respond asap. Thank you and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute and address concerns regarding the way my American Express XXXX XXXX 's utilization for the card ending in XXXX is being reported on my credit reports. Additionally, I kindly request that my membership start date be accurately reflected, as it plays a crucial role in maintaining an accurate credit history. 


One of the key features that I deeply value about my XXXX XXXX is its absence of a traditional pre-set spending limit. This unique attribute provides me with significant flexibility, making it essential that credit reporting accurately represents this aspect. I kindly request that the reporting clearly showcase that my card operates without a predefined credit limit, as this is one of the distinct benefits of the XXXX XXXX. 


Furthermore, I've observed that my membership start date is not accurately recorded in my credit history. Having the correct date of when I became a member is essential for a precise representation of my credit journey. I kindly request that you verify and correct this date to accurately reflect the moment I joined as a member, as this will contribute to a more precise depiction of my credit history. 


While I understand that errors can occasionally occur, I emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA ensures that credit reporting agencies and creditors, such as American Express, handle disputes with accuracy and fairness. I kindly request that this dispute be handled in full compliance with the FCRA, and I trust that any necessary adjustments will be made within the specified time frame. 

Wherefore, I also request that the necessary updates be made to my credit report with all major credit reporting agencies to ensure a comprehensive correction and accurate reporting. 


Thank you for dedicating the time to address my concerns. I genuinely value my relationship with American Express and believe that through collaboration, we can successfully address these matters, resulting in an accurate and fair representation of my credit history and the unique features of my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: AAA Auto Title Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I don't understand how I'm making the same payments every month and different amounts are applied to the Principal. 
My balance in XXXX was {$1000.00} - after a payment of {$170.00}. {$110.00} went to XXXX  & {$62.00} went to the Principal. 

XXXX a payment of {$190.00} - {$110.00} went to Interest & {$78.00} went to the Principal. 

XXXX a payment of {$190.00} - {$170.00} went to Interest & {$20.00} went to the Principal. 

XXXX a payment of {$190.00} - {$190.00} went to Interest & {$.00} went to the Principal. 
My balance today is {$1000.00} after making XXXX payments of {$190.00}. 

**They are charging way too much Interest. {$190.00} and ONLY XXXX cents is subtracted from the loan amount. This should be against the law. 99 % INTEREST. ** Cash XXXX KNEW that I get paid from Social Security XXXX on the XXXX of EVERY month because they ask for verification of income. And every XXXX of the month, they have taken out the payments. 

If they thought I wasn't able to payback the loan on THEIR Terms, they shouldn't have offered the loan. Instead, they add monumental amounts of Interest in an effort to profit - and this should be illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 a 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 2023-08-10
Company: Sequium Asset Solutions, LLC
State: OH
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: Problem with product or service terms changing

Complaint:
Reference : XXXX on XXXX XXXX I hadn't use the devices and serviece from XXXX XXXX XXXX company because I returned them back and I have the proof for that. 
Return Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 Status of shipping : picked up by shipping Agent XX/XX/2022 at XXXX XXXXXXXX XXXX XXXX OH XXXX as well I have the picture of the returned box as well the receipt. 
I send the Company several e mails I call them several times about that but no one tried solve them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-08-10
Company: CRED Technologies dba cred.ai
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Cred.ai is the company that oversees tis XXXX card which is billed a credit repair card. I had a fraudulent transaction, and they closed the card and took the XXXX and kept the money. They said they have to do an investigation that will last 45 days. Now normally most cards ( any that I have ) will take the fraudulent charge leave my money on the card while they do an investigation. But they took the {$39.00} and refuse to give it back while they do this 45 day investigation. I did my own investigation as I used to work in card services and the fraudulent charge was obviously a fake as the website is fake and they don't say what they do and they could not say what they offer in their business. It seems to be a secret. But at the same time, I feel the fraudulent company is connected to Cred.ai in some way. No company will keep your money for 45 days. An investigation usually over inside of a week and most companies finish in 3 days. Especially the fraudulent charge was so obviously fake. I am a XXXX XXXX and can not afford to GIVE OUT XXXX on a Fraudulent transaction that seems to involve not only the fraudelent company but the credit/debit card company also.

Company response to consumer: Closed with explanation