BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cease and desist ALL collection Activities. Account fraudulently opened in my name with MEDICREDIT is debt collectors Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. Harassment or abuse. Title 8 USC 809. Validation of debts [ 15 USC 1692g ]. A debt collector does not have the right to communicate without a prior written consent period. FDCPA VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY and multiple VIOLATIONS of FDCPA state and Federal laws, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud and GROSS MISREPRESENTATION. MEDICREDIT is attempting to collect a debt on the basis of fraud!

I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting.

2. Verification of your claim against me. A signed invoice or sworn affidavit. 
XXXX. A copy of the contract binding both partieXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. The wek ink signature of both parties. 

united states constitution article 1 section 10 Clause 1 Treaties, Coining Money, Impairing Contracts, etc. 
No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.

Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Close account and do not contact me again or I will file a lawsuit for fraud, FDCPA etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I didnt authorize anyone to pull my credit and it was well over 45 inquiries in total

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Security Credit Services, LLC
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:
Initiated a dispute with XXXX, via confirmation # XXXX, regarding a fraudulent item appearing on credit report as a victim of identity theft 42 U.S.C. 408a ( 8 ), florida statute 817.568, of an unrecognized claimant referred to as Security Credit Services of a 15 U.S. Code 1692e counterfeit security of an account number XXXX for an defective claim to an alleged amount of {$130.00}. Made efforts to obtain information from both XX/XX/XXXX and, Date : XX/XX/XXXX, XX/XX/XXXX claimant XXXX XXXX and XXXX credit reporting agency to validate alleged debt. XXXX XXXX XXXX refused to provide any information other than an old copy of an application they might of retrieved by hacking into a XXXX XXXX XXXX computer system, without any mention to how they had acquired my personal identifying information without my consent, nor any proof of their right, or how they acquired such right, under penalty and perjury, 15 USC 1692j, to use my name and identifying information, intellectual property, 15 U.S. Code 1125, to collect anything from me. I disputed the item several times with XXXX per 15 U.S. Code 1681g- 609 - a1 ( A ) who never provided me my right to full disclosure of the file to include any agreement between me and Security XXXX XXXX to validate the alleged obligation and XXXX has refused to comply to remove or block the item that is injurious to my ability obtain credit. Since then Ive been denied credit cards and a mortgage. XXXX has conspired with XXXX XXXX XXXX 18 U.S.C. 241 and 242 to deprive me of my right as a natural person/consumer to ( credit ) defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. The credit discrimination received as a result of character assassination is further a restraint of trade caused by both parties is a breach of trust per 15 U.S.C 1 and an injury to me as an original creditor. I have also provided Equifax with an FTC identity theft report against the claimant and it was, 15 U.S. Code 1681c2, ignored per confirmation # XXXX without full disclosure. Neither party will comply with FCRA. This is emotionally distressing that neither will cooperate to provide accurate and complete information 15 U.S. Code 1681e ( b ). 15 U.S. Code 1681i As I have disputed the completeness ( lacking proof of claim for use my valuable  personal data or contractual agreement between me and claimant ) Both XXXX and XXXX XXXX XXXX has mismanaged my personal data and continues to injure me without remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear Sir/Madam : I received a promotion on my XXXX XXXX American Express regarding a free night certificate if I spent {$8000.00} on the credit card. I was required to enroll, which I thought that I had but apparently did not. I don't know how this would have been communicated to me, so I really would have no idea whether I enrolled. 

I called American Express and asked the status of my certificate. I charged a deposit and remaining payment for an XXXX, each in the amount of {$4100.00} ( or {$8200.00} ) which included a fee of {$230.00} I was required to pay the installer ( the original quite was {$7900.00}. I did so to receive the certificate. 

When I called today, I learned that I had not been enrolled. Furthermore, Amex refused to enroll me retroactively so that I could earn my certificate. I think I was baited into using the Amex card for this purpose, and incurred an extraordinary {$230.00} charge as a result. I probably earned XXXX certificates given my total activity during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Absolute Recovery Services, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Absolute Recovery Service has reported to credit bureaus about a collection of {$1700.00} reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. This company has not made contact with me. Ive never heard anything of this debt until it was placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 have a few hard inquiries and small inquires and i am hoping to get tcompanyhem removed immediately here is the list of hard inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are negatively affecting my credit score i need these to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: Account information incorrect

Complaint:
Inaccuracy # 1- The account numbers do not match. XXXX and Experian is reporting XXXX and XXXX is reporting XXXX. An account number is Identified by a specific number and there can only be one and it has to be completely correct. 

Inaccuracy # 2- The date of last activity does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate. 

Inaccuracy # 3- The open date does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These dates must all match and be the same. 

Inaccuracy # 4- The last payment dates do not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy # 5- The credit limit is reporting at {$500.00}, but the high balance is reporting at XXXX. Is is illegal to add fees to a collection. There was also never a break down of how this this balance was calculated. 

Other inaccuracies and violations include the account number being altered on XXXX. In XX/XX/XXXX the account number was : XXXX and in XX/XX/XXXX the account number is : XXXX. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.

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 2021-10-25
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX County Sheriffs Office ( California ) unfairly and incorrectly issued me four parking citations throughout the XXXX  of 2021 ( citation numbers XXXX ; XXXX ; XXXX ; and XXXX ). All four of the citations claimed that I was parked in a bus zone and/or bus lane. I was never parked in a bus zone and provided photographic evidence by mail proving it. 

However, the Sheriff 's Office apparently (? ) assigned the matter to a XXXX debt collector XXXX based in XXXX, Wisconsin, named Professional Account Management LLC, which itself is/was posing as a government agency ( XXXX County ) . For instance, their return address in XXXX is printed as : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and yet it is a Wisconsin address. They are not a government agency, but are posing as if they are. I continue to receive threatening mail from this collector using language like `` enforcement '', `` debt collection '', `` debt owed '', `` balance owed '', and `` validity of debt ''. Most recently, the debt collector has threatened to : `` submit my account to the XXXX XXXX XXXX ( XXXX  ) for interagency intercept collection. '' The debt is completely invalid. I have been extremely responsive *in writing* throughout the spring, summer, and fall of this year ( since the citations first appeared on my car ), and I am at my wit 's end. The debt collector is harassing me about an invalid debt, demanding hundreds of dollars from me, and all my attempts to have the citations reviewed and dismissed ( based on photographic evidence proving the debt is invalid ) have failed. 

I need help from the FTC or CFPB so that my state tax authority ( XXXX  ) and my credit do not become implicated in this harassment coming from a debt collector, demanding payment on a completely invalid debt, with this collector posing as a government agency.

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 2022-06-03
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX a victim of identity theft my ex-girlfriend child mother. 
Name is XXXX XXXX stole my identity to purchase a vehicle and used my identity as a co borrower ; I did not give her or anyone to represent me or pretend to be me, I tried resolving this matter directly with Credit Acceptance Corporation but with no luck, all they are interested in is collecting there money which the balance is {$6900.00} this is affecting my life and lively hood Iam facing homelessness I am not able to apply for a loan, furnish an apartment or even finance my own car. 
therefore, can you please intervein this matter ASAP? 
Thank you. 
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 monetary relief
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: MI
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 sent a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021 to equifax in regards to inaccurate accounts with XXXX XXXX XXXX and the bureaus i have no business with these companies and have no idea how they even have any of my personal information. These accounts is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). Equifax is conspiring with these companies to defraud me .If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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, Capital One Bank on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Finance of America Holdings LLC
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX of the XXXX XXXX XXXX and Im starting to feel as if this company is trying to avoid me. I contacted this institution simply for a waiver for the attorney to speak with you in regards to paying the mortgage in full now. Yet I get no response and here I am over a week later waiting? I am asking again for the waiver. My father served over thirty years in the XXXX. Nobody deserves this kind of unprofessional treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: U.S. BANCORP
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX mistakenly refunded {$1000.00} to my closed US Bank credit card ending in XXXX on XX/XX/XXXX XXXX This was a partial refund for our year insurance premium, the original bill was paid with my Wife 's XXXX XXXX XXXX returned the XXXX to the wrong card on file ( US Bank card XXXX ).. I contacted Us Bank on XX/XX/XXXX in regards to this issue, they stated they had kicked back the {$1000.00} to XXXX the same day on XX/XX/XXXX XXXX. Us Bank would not supply me with proof in writing that they had refunded the money directly to XXXX I continued to call US for written proof for almost two weeks since XXXX has no record of refund.. Finally on XX/XX/2022 Us Bank say they have had the funds all along and they're just sitting on my closed account.. They refuse to issue a refund to XXXX or mail me a check so I can settle up with XXXX XXXX This matter has been sent to collections by XXXX and needs to be remedied sooner than later.. US Bank Refuses to commit to when a refund will be issued and just says call back next week for an update .... How can a bank just sit on funds for over 6 months??

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