BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: World Acceptance Corporation
State: TN
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:
DEAR XXXX! 

I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like XXXX XXXX  NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND XXXX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH XXXX XXXX  BECAUSE OF THESE COLLECTION AGENCIES AND XXXX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Tally Technologies
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is the name of the company. It is an app that is designed to help people get out of credit card debt. They have marked a late payment on my XXXX credit report two times. The first time I asked them to take it off after making a payment to them of over {$1000.00}. I had some financial difficulties and after paying the large amount asked them to remove it. The second time, was on XX/XX/2022. I had paid what was due on XX/XX/2022. This was NOT a late payment. I asked them to remove it and they said they would not. Both late payments need to be taken off my 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 2023-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
My credit card was stolen. There were 35 unauthorized fraudulent transactions on my credit card. They are all listed Below : XX/XX/2023 : {$43.00} from XXXX XXXX XXXX {$12.00} from XXXX XX/XX/2023 : {$42.00} from XXXX XXXX XXXX {$8.00} from XXXX XXXX XX/XX/2023 : {$6.00} from XXXX XXXX XX/XX/2023 : {$18.00} from XXXX XXXX XX/XX/2023 : {$12.00} from XXXX XXXX XX/XX/2023 : {$31.00} from XXXX XXXX {$10.00} from XXXX XXXX {$7.00} from XXXX XX/XX/2023 : {$32.00} from XXXX XXXX XXXX XX/XX/2023 : {$33.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$9.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$6.00} from XXXX XXXX {$32.00} from XXXX XX/XX/2023 : {$9.00} from XXXX XXXX {$34.00} from XXXX XXXX XX/XX/2023 : {$10.00} from XXXX XXXX XXXX {$3.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$9.00} from XXXX XXXX {$23.00} from XXXX XX/XX/2023 : {$6.00} from XXXX XXXX {$34.00} from XXXX XXXX XXXXXX/XX/2023 : {$36.00} from XXXX XXXX XXXX XX/XX/2023 : {$36.00} from XXXX XXXX  {$9.00} from XXXX XXXX {$34.00} from XXXX XXXX XX/XX/2023 : {$30.00} from XXXX XXXX XX/XX/2023 : {$8.00} from XXXX XX/XX/2023 : {$34.00} from XXXX XXXX {$10.00} from XXXX XXXX XX/XX/2023 : {$26.00} from XXXXXXXX XXXX XXXX XXXXXXXX {$37.00} from XXXX XX/XX/2023 : {$37.00} from XXXX XX/XX/2023 : {$90.00} from XXXX XXXX I promptly reported the stolen credit card and unauthorized fraudulent transactions to the fraud department at Citizens bank. The lady on the phone processed my claim and gave me a claim number XXXX. The total amount of unauthorized fraudulent transactions is {$830.00}. The lady on the phone incorrectly reported {$800.00}. 

I received a letter in the mail 7 days later from Citizens Bank that my fraud claim was denied. No reason at all was given to me as to why it was denied. Since I received this letter, I have repeatedly called the company, but was placed on hold for hours upon hours and hours, and hung up on. I have called the company at least 12 times since XX/XX/XXXX to resolve these fraudulent transactions on my account, to no avail. 

Citizems Bank is not only refusing to remove these fraudulent transactions, but they are charging my credit card interest on top of them. Two incorrect interest charges of {$57.00} on XX/XX/XXXX and {$65.00} on XX/XX/XXXX were placed on my credit card account. 

I respectfully ask that Citizens Bank remove these unauthorized fraudulent charges from my credit card immediately. I also respectfully ask that Citizens Bank remove the erroneous interest charges that accrued as a result of these fraudulent transactions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A XXXX XXXX XXXX called me and said I owed {$930.00} on a XXXX XXXX account that was never paid from XXXX ending number was XXXX. I asked that they send me something in writing to my email but never received it. They said they sent it to my email 4 times. I didn't receive it. Then he said XXXX XXXX sold my account to HSBC and wanted me to make a settlement in the amount of {$630.00} then the phone call was somehow disconnected. I then called XXXX XXXX to inquire about all my past accounts with them and they assured me that I have settled and paid all my debts. XXXX XXXX even went back as far as XXXX and said I don't owe them anything. I also asked if they had sold my account would they still be able to see it and they replied yes. They did not show that any of my accounts were sold. The guy from the XXXX company said his name was XXXX XXXX his phone number was XXXX XXXX XXXX. He also said they were going to serve me with XXXX XXXX XXXX on my job. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving phone calls daily from midland credit for the last 3 months asking for XXXX and giving out a birthday and address that are not mine. They're not identifying who there are. They keep on with is this XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debt collection company has found a loophole in the law. They reported to the credit bureau and every month they add additional charges ( interest or penalties ) and also report to the credit bureau so every month my credit is dinged by additional collections amounts owed Company is PROGRESSIVE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX for emergency room visit Had I been admitted after staying there 7 hours there would be no extra charges outside what insurance paid. 
This has been happening sinceXX/XX/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 2023-02-10
Company: TRANSUNION INTERMEDIATE 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
As recently as a 2-3yrs ago I applied for a credit card with capital one ; after receiving and using the card, I began to make the payments as necessary, even before they were required. Later on down the line my apartment was broken into. The culprits stole a XXXX XXXX XXXX, which contained my credit card information and provided them with access to use the card. Once I discovered that my home had been broken into and robbed, I contacted the local authorities and filed a police report as should. Since then the credit card company has refused to assert the fraud protection and identity theft policy 's. I do not feel obligated to pay the outstanding amount that theives have infused to this card and find the credit card company to blame for this unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SLM CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Loan taken over by XXXX XXXX consumer from Sallie Mae. I am California as a travel nurse. I communicate with Sallie Mae via email and phone call because I am a XXXX XXXX. I received a statement saying I owe almost {$3000.00} and it aint even say as NJ REQUIRES, this is an attempt to collect a debt! I had my mail opened because this was new communication for me. I didnt receive proper communication from XXXX XXXX because there was a cease and desist order on my account proper to this. They were not able to communicate, No calls, no emails, no texts and the rep verified such! Was told it was placed XX/XX/2021 by XXXX XXXX Consumer. They took loan over on XX/XX/2021. Called Sallie Mae who confirmed that this was never placed on their side. Spoke with a manager XXXX who stated they didnt not have to show proof of cease and desist even though I explained. I want to provide an explanation of why my credit would be two months late and the Sallie Mae is paid off. He would not provide a call number for my record or hes last initial. I asked for it to escalated to a manger because now I am late and Im going between Sallie Mae saying they didnt have that on there and XXXX XXXX Consumer. He told me a XXXX would call me back. I asked what her title was and he said shes above me. I asked him what that meant, he said he didnt have to tell me what kind of manager she was. I stated that it was ridiculous is she an asst manager, a manager, level one manager, level two manager? If I called back is she the only XXXX thats a manager? He hung up on me. The only communication I had gotten was a letter saying I owe {$3000.00}. No one could tell me why the cease and desist was placed and. I one can offer a solution to so that I can provide an explanation and a way to catch up and one will provide proof of the error so that I can have my credit corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX ACCOUNT NUMBER # XXXX WAS DISPUTED ON NUMBEROUS OF TIMES ON IN XXXX, XXXX, XXXX, OF XXXX. THE ACCOUNT IS OUTDATE WAS OPEN BACK IN XXXX. AND I WOULD LIKE IT TO BE REMOVED, THE CAR HAS BEEN SOLD AGAIN SINCE IT WAS REPO. PLEASE REMOVE.

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 2023-07-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 recently reviewed a copy of my credit report and these inquiries listed on the report were never authorized by me. I tried reaching out to the credit bureau and they say that they can't help me to remove, but this is something i never authorized. Inquiries are XXXX  XXXX, XXXX, XXXX  and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a federally protected consumer. This is a formal Notice of Default that Midland Credit Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have attached Invoice # XXXX that itemizes these violations in detail. 

Midland Credit Management as not complied with the cease and desist notice they received XX/XX/2022 via my first complaint with the CFPB. 

15 USC 1692c ( b ) states without prior consent of the CONSUMER given directly to the debt collector, a debt collector may not COMMUNICATE, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law.

15 USC 1692c ( c ) states if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further COMMUNICATION with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Midland violated both 15 USC 1692c ( b ) and 15 USC 1692c ( c ) on XX/XX/2022 by continuing to communicate with me after they received my Cease & Desist Notice on XX/XX/2022. The communication was made by updating the status of the collection account on my XXXX, XXXX, and XXXX consumer reports without my prior consent. 15 USC 1692a ( 2 ) states the term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating to 3rd parties is prohibited, in this case, consumer reporting agencies, because the Cease & Desist Notice is effective and the communication is not permitted by law.

Midland has stated in their response to my first CFPB complaint that they will continue to furnish information to the consumer reporting agencies even though the account is marked as CEASE & DESIST, this is a direct violation 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cancelled XXXX 3 months ago. Today XX/XX/XXXX. 
When I switched to XXXX XXXX the day after I called XXXX to get receipts and final bill. 

My on line account was canceled so I could view my last billing cycle so I could be reimbursed on my expense from my employer. Nor would they tell life if owed anything for final payment. 

They said they would send a hard copy for XX/XX/XXXX which was paid auto draft as had for many years. They never did. 

Now they want multiple months after I cancelled. 

Today I received a collections notice from a company called Convergent for {$580.00}. 

The reason I cancelled is because had increased by well 50 % over two year period. 

My new server is 50 % less with brand new phones. 

I will not pay a dime more to XXXX. XXXX is a criminal organization. 

I am concerned about credit being effected which is perfect at the moment.

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 2022-10-31
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:
I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$13000.00} 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 explanation
Consumer complaint received 2017-06-15
Company: Total Card, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am reaching out with some issues I have been unsuccessful with resolving from the creditor. I had some financial issues and fell short on paying my credit card bill. I contacted  XXXX  and a representative from the office told me to make my {$37.00} minimum payment in  XXXX  so that the account would n't charge off. I made that payment and have proof. I received a bill in the mail and on the bill it stated that I could call in to get a settlement or set arrangements to pay the balance. I first logged on to  XXXX  to make a payment and was unable to log in to make a payment. I contacted the company to make a payment as well as arrangements so that my account would n't charge off and they said they could n't access my account and that i needed to be sent to another department. The other department gave me the runarounds. No one was able to take my payment, unable to grant access online.  XXXX  came and they tell me my account is charged off because I have n't made a payment in 5 months which clearly I made the minimum in  XXXX . I was unable to pay by phone or my usual route online. The rep stated if I sent payment by mail it would be sent back. Today  XXXX / XXXX /   17  I called and come to find out the website is now updated to  XXXX . The whole time this was changed and no one informed to tell me so that my payment could get charged off. This has a negative affect on my credit. I have contacted the company they gave me the settlement amount and will not take out of charged off status because of there wrong doing. I am reaching out before for help before I look into litigation. I want to make my payment and I want this account to either be taken out of charge off status or removed from my credit for there wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with non-monetary relief