BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called my cell phone at least 15 times over a few days before I finally answered to see who they were and what they wanted. It was Midland credit management after some arguing back and forth they asked if I would verify with them, the last 4 digits they had for the debtor .... after verifying that the last 4 numbers of the social they gave to me I told them it does not match mine and they seemed satisfied. I did not think I would hear from them again. Now my wife is receiving phone calls from many different numbers of theirs ( she XXXX  the numbers ) now they have sent mail stating we owe XXXX  XXXX XXXX  to our newly built home, not sure how they got our address when they never bothered us at our prior home. 

We have a few XXXX XXXX accounts and have spoken to customer service who has said that there is nothing wrong with our accounts. Our credit files are spotless. There is no need for this harassment. 


Harassment is coming from Midland Credit Management XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Navient Solutions, 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:
I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All XXXX bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from OK to 120 late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
LENDER CALL : ( XXXX XXXX ID XXXX ) /Foreclosure ACTIVE / SALE SET XX/XX/XXXX / 60  months / {$94000.00} ( delinquency ) -The rep from the executive office contacted me back to advise me that the appeal we submitted was denied cause of income once again. When asked what was the reason I was advised once again that the client was denied over not sufficient income. I asked XXXX XXXX what was the income used and she advised me that the amount was {$3400.00} which I advised the rep that why wasn't the income we provided and showed proof of the wife was not used. She couldn't answer me and just kept saying that a manager denied it and that is that.

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 2023-05-03
Company: EQUIFAX, INC.
State: MD
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:
Dear Equifax, I am writing to dispute the XXXX card account that is listed on my credit report. I believe that this account is the result of identity theft and that it does not accurately reflect my credit history. Therefore, I am requesting that this account be removed from my credit report immediately. 
Upon reviewing my credit report, I noticed that the XXXX card account is listed with a balance of {$1900.00}, which I believe is the result of fraudulent activity. I have never opened a XXXX card account nor have I authorized anyone to open an account in my name. Furthermore, I have already submitted an identity theft report with the Federal Trade Commission regarding this matter. 
Additionally, I have noticed that the payment history for this account does not show accuracy as the majority of credit reporting for XXXX card says " NO DATA ''. 
I am actively working to resolve this issue and I request that you assist me by removing this account from my credit report. I understand that under the Fair Credit Reporting Act, you are required to investigate any disputed accounts and provide me with a response within 30 days of receiving my dispute. 
Therefore, I kindly request that you remove this erroneous account from my credit report as soon as possible. 
Thank you for your attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 XXXX XXXX  I was scared by national tax/ nationwide tax and I called capital one for help to get my money back. I ask for a chard back to them and though they had saved my problem but I was wrong when in XXXX they chard the money back to my account. I called them to work it out and thy said that they could do nothing and I would have to work it out with them. I now had a card that was way over so I cancel the card was willing to pay if of month to month payments. Then they hit me with XXXX in fees per month and would make it impossible to pay the card off. I called capital one to work something out with them and I spoke to XXXX. She ask how could she help me. I began to tell her why I was calling and in the middle of me speaking there was a click and no one was on the line. I though that we were cut off so I called back and spoke to XXXX and she ask how she could help me so I began to speak and once again there was a click and I was talking to myself again. They were not willing to hear me or work anything out. I have never know a credit card company to not won't to work things out to get their money back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Ally Bank and noticed on XX/XX/XXXX a pending transaction of {$2300.00} had been added to my account. As soon as I noticed the charge I immediately called Ally Bank to stop the charge because I did not have anything to do with the transaction as it was for buying a used car in another state. Even though the charge was pending Ally refused to stop the payment. Additionally, they said they needed to let the charge go through in order to initiate a dispute on the transaction. They assured me on the call that the transaction would be reversed as they agreed it was a scam. On XX/XX/XXXX the transaction posted, and I disputed it as explained by the representative. It took a week to get the credit applied to my account. Fast forward to XX/XX/XXXX almost 3 months after the incident, and I receive a notice stating that they have reversed my credit and have the supporting documentation they need from the merchant. As soon as the funds were reversed I reached back out to Ally to figure out what evidence they had regarding the fact that I authorized the transaction. To this date I still have not received those documents. I have proof I was not in the state the transaction occurred on the date it occurred. The fact it took so long and they have been unwilling to provide evidence leads me to believe they ran out of time and didnt actually investigate the transaction. Additionally, they should have stopped the transaction as requested prior to go it going through.

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 monetary relief
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 previously had a Capital One credit card. Unfortunately due to circumstances out of my control I was unable to continue paying on the credit card. The account was charged off XX/XX/XXXX. Recently on XX/XX/XXXX Capital One reported the account as charged off but open with a balance over the limit ( {$4600.00} ) causing my credit score to drop XXXX points. I have disputed this more than once with XXXX. Although they say there was an update to my credit report no updates were made and the information still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score cant be retrieve on my annual 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 2023-05-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX in XXXX County , did not give Ally Financial Inc. permissible purpose, nor did a court of competent jurisdiction issue an order for Ally Financial Inc. to furnish an inquiry to XXXX, XXXX. Ally Financial Inc. and XXXX, XXXX. have both been placed on a Cease and Desist regarding this inquiry. Ally Financial Inc. and XXXX, XXXX. are both violating the Graham-Leach-Bliley Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, Ally Financial Inc. and XXXX, XXXX. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, Consumer. I, XXXX XXXX XXXX, Consumer, did not receive any benefit from this transaction.

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 2023-06-23
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATI WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices A you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
Thereby inform you that you do not have my consent to communicate with XXXX through any medium. Furthermore, I DID NOT consent to you having my Go, personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consure reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: LA
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:
ACCORDING TO CONSUMERS LAW I NEVER GIVEN ANY COMPANY PERMISSION OR SIGN-UP FOR ANY REPORTING TO MY CREDIT REPORT NEVER EVER!!! 

THIS IS THE LAW

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 2018-10-23
Company: EQUIFAX, 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 status incorrect

Complaint:
I have disputed the late payments on this US DEPT OF ED/XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I recently lost everything I owned. This fact also means any communication methods including computer or mobile device like my former cell phone I no longer posses. I can not login to an account with the email address of my personal reference source to allow me a method of communication for personal private social or business events. My former email address I selected for business use XXXX I can no longer use. I can not because the cellphone I used it own is destroyed and methodology to validate account ownership is entirely associated with this phone 's cell phone number through email address associated. Cash App format is difficult for my comprehension because website on computer efforts is very strange to me. I do not understand how the process or formulation from the outside may produce result like adding money then transfering into individual accounts on the App until procceses are completed. Also I need need password

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
I applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt 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. I have contact the FTC and my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX County , did not give XXXX XXXX XXXX XXXX XXXX permissible purpose , nor did a court of competent jurisdiction issue an order for XXXX XXXX XXXX XXXX XXXX to furnish an inquiry to Transunion, LLC. XXXX XXXX XXXX XXXX XXXX and Transunion, LLC. have both been placed on a Cease and Desist regarding this inquiry. XXXX XXXX XXXX XXXX XXXX and Transunion, LLC. are both violating the Graham-Leach-Bliley Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, XXXX XXXX XXXX XXXX XXXX and Transunion, LLC. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, Consumer. I, XXXX XXXX XXXX, Consumer, did not receive any benefit from this transaction.

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 2023-05-11
Company: Bread Financial Holdings, Inc.
State: TX
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 Account ( s ) # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Contacted multiple times about website/account accessibility which resulted in late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: IA
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 was wrongfully XXXX  with a collection for {$500.00} from my previous apartment complex that they have admitted to XXXX XXXX  on time and time again. They have given me sufficient information that I have passed on to Experian that admits they made a XXXX XXXX  and that this collection should have never ended up on my report. They have also reached out to the collection agency and explained to them what happened and have assured me that all the necessary steps have been taken.. However, every time I get new info I submit a dispute on Experian and every time they side with the collection agency. They know what they are doing is wrong and they do it anyway, Experian needs to take a closer and better look at the facts and fix this fraud collection. I've disputed this 5 times a this point and every time they just notify me that it " will remain on my report ''. I have given them everything they need to justify it shouldn't have been added to my report in the first place. Not to mention, if you can read my previous complaint, I was never notified of the collection by the collection agency nor was it ever validated.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and transunion fail to properly do a thorough investigation on my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Marlette Funding, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX, Best Egg offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate two personal loans that I currently have with XXXX XXXX. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with XXXX XXXX and direct deposited the balance of {$2600.00} into my personal checking account. 
On XX/XX/XXXX, I was notified by XXXX XXXX that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than Best Egg said they had paid. I contacted Best Egg to get the information but was told that they would have to research it and get back to me. When I heard back from Best Egg some time later and provided the information to XXXX XXXX, I was told that the holding period had passed and they had returned the funds to Best Egg. I again called Best Egg to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me. 
I then went back to XXXX XXXX several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Best Egg has not honored their agreement to pay my loans but they are continuing to withdraw money from my account. I will also be duplicating this complaint against XXXX XXXX because they admittedly cashed the checks but have not credited my accounts. 
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.

Company response to consumer: Closed with explanation