BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was taken to court for a default judgement because they never actually served me or informed me of this debt back in XXXX. I was not aware of anything until my employer received notice of garnishment. At that point I tried to look into it but since it was a default judgement there was nothing I could do to fight it. So I paid the debt in full as of XX/XX/XXXX to get it over with and remove the garnishment. Come XX/XX/XXXX I received a letter saying I still owe on the account. I immediately called to clear up the issue but the agent said there was no payment made on the account. I said well if thats the case why did it take so long to get me a notice to which they said they had sent 27 letters which is not at all true given they already never gave documentation in the first place until after they sued me. After he decided to just say I was wrong instead of looking into the account or providing any evidence he hung up on me. I then promptly sent a letter towards the end of XX/XX/XXXX with a copy of the receipt that showed it was paid in full. I even checked my credit score and it shows as paid in full and closed. I received one other letter dated as of XX/XX/XXXX saying they will report me to the credit bureaus if I didnt pay them within 10 days of them giving me this notice. I didnt receive that letter till XX/XX/XXXX. They have not provided any proof of debt or acknowledged my proof of paid in full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
Hello, Recently, I found account in my Equifax credit report that doesn't belong to me. I don't know this account and I have never had anything in common with this bank. This account appeared recently from nowhere and is reported as closed Authorized User account and my friend advised me to contact you in order to make an investigation and help me to remove this account. I would like to have a fair reporting. I believe this account was placed my mistake. Please help me. 

The account is as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to easy identify myself please us the XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have had a Kohl 's store card for years, and Kohl 's recently decided to change this to a Rewards Visa through XXXX XXXX automatically. There is a fundamental difference between a store credit card and a XXXX card that can be used anywhere, and I did not accept the risk associated with a XXXX card when applying for this store card. I spoke to two people at Kohl 's Credit and two at XXXX XXXX and none of them could tell me why or how I was selected for this change, only that my store card was no more. However, XXXX XXXX was keen to tell me that this was an " upgrade, '' and I could now use the card anywhere. 

Additionally, there is no indication on Kohl 's credit website that there was a transfer or that there would be a new way to log in. This prompted me to have issues logging in, as my account was no longer in the old system. Again rather than advise about this when attempting to get in, it kept locking the account, so I called in only to be advised of the change and redirected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my XXXX/Experian credit report. I called the original creditor to validate the claim and I sent a letter to XXXX/Experian. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from XXXX/Experian saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or XXXX/Experian verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.

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 2022-01-25
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested debt validation of two accounts being collected by ARS NATIONAL SERVICES INC. After sending a certified letter requesting this debt collector to validate the debt, they did not respond with sufficient documentation or information to satisfy my request, as is my right under the Fair Credit Reporting Act ( FCRA ) and the California Rosenthal Fair Debt Collection Practices Act. 

Instead, I received a generic " Cardmember Agreement '' without my name, signature, or any other identifying information. ARS NATIONAL SERVICES INC. later sent me two aged account statements that are significantly lower than the balances being reported to the credit reporting agencies. I do not know who ARS NATIONAL SERVICES INC. is, and I do not recall entering a binding loan agreement with this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The car dealership XXXX XXXX XXXX XXXX submitted fraud on my credit application to get me approved with Hyundai Motor Finance. The 2 page credit application they submitted to Hyundai Motor Finance was re done. The credit application that I signed showed XXXX month SSI. They reported a income of XXXX which was fraud. I dont get but XXXX a month. How did they show proof of this XXXX to Hyundai? We have contacted a attorney and will be filing a lawsuit against all parties involved that caused me hardship in the result of having a XXXX. I'm a XXXX injury individual that is a result of a XXXX injury in 1998 .I have been on SSI for almost 3 decades and all I get is XXXX but I have a over payment which my check is XXXX. I didn't go to the dealership looking for a car. I was there with my sister. She was looking for a car. She got denied with XXXX mo. Income. The salesman asked me if I need a car. I said I do but my credit is only a XXXX and I dont get but XXXX a month SSI he said you never know. He took a application on me. Sent me home to get a bank statement and proof of income and a bill. When I returned he said I was approved for a brand new car. My first words were how? He said relax you are approved. This contract is voidable and fraudulent. The dealership put me in predatory loan. Knowing I wouldn't be able to afford the vehicle causing me financial hardship. I went out and got a job to keep the car payments current and on my 3rd day of work I had a XXXX. Stressing about losing the car. I want Hyundai Motor Finance to thoroughly investigate and remove this fraudulent account from all 3 credit bureaus. What XXXX XXXX did to me was unlawful, unethical. I do plan on suing all parties involved. And final where is the proof of the XXXX that the dealership fraudulent reported. Someone at Hyundai Motor Finance in Funding could of possibly assisted the dealership with this fraudulent loan. Because you do have to show pay stubs, letter of award from SSA and bank statements. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: SANTANDER HOLDINGS USA, 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:
I paid off my XXXX XXXX  loan on XX/XX/2023. Approximately one week later, I called XXXX XXXX to confirm that they had received the final payment and that I had a XXXX balance. I was informed by the customer service operator that they had received my final payment and that I did have a XXXX balance. I then requested a document on their letterhead to prove that I have a XXXX balance and that my account was paid in full. I was informed that XXXX could not accommodate my request, but I will receive a final statement that shows a XXXX balance, and I can use that as proof that my account has been paid in full. Approximately two to three weeks later, I did receive a statement from XXXX XXXX. The statement reflected my final payment and informed me that I had a XXXX balance and that a payment was not due. In XXXX of 2023, I ran my credit report from the big three reporting agencies so that I could review for errors. My credit reports reflected that I owe XXXX {$190.00}. I disputed this amount with the credit reporting agencies and provided supporting documentation. Upon completing the investigation, it was found that XXXX is reporting accurately despite having statements from XXXX informing me that I have a XXXX balance.

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 2019-06-23
Company: EQUIFAX, INC.
State: NC
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:
Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove and block such information from my credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX View All AccountsPrevious Next -BAL : {$4500.00} - XXXX XXXX XXXX -BAL : {$3500.00} - XXXX XXXX XXXX -BAL : {$2200.00} - XXXX XXXX XXXX -BAL : {$5300.00} - XXXX As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

A. XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXXXXXX-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, I-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX-XXXXr XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX FOR - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXTHE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT -- Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
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:
In XXXX I received a XXXX XXXX from XXXX XXXX. Sometime in XXXX, I was expected to repay this loan. I contacted XXXX XXXX  and informed them of my being totally XXXX and unable to repay this loan. But I was going through the process to have the Government repay this loan on my behalf, through XXXX. 
I was ultimately determined to be 100 % XXXX and this loan was paid off by XXXX. 
( See Enclosed ). 
Just recently I applied for a Mortgage loan. And to my surprise, on my Credit Report was this XXXX XXXX  XXXX being in COLLECTIONS... 
I contacted XXXX, and was informed by them that this loan had been paid off in XXXX. 
Thus, after further review of my Credit Report, I found that ALL OF MY STUDENT LOANS were indeed paid off through XXXX. And the only negative on my reports is this XXXX issue. 
It seems that XXXX XXXX  has taken the issue that whether or not a student is XXXX or not. If they do not personally repay their loan, XXXX will make sure their credit is destroyed for the ensuing future. This is an unfair practice implemented by this college, If a person is deemed XXXX, they should not be penalized for that XXXX. 
Al of the other student loans treated this writer fairly and the credit reporting for these loans are not reported negatively, as XXXX should not be allowed to treat this writer any differently for my 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 2023-06-14
Company: EQUIFAX, INC.
State: AL
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:
Ive made disputes in XXXX and in the month of XXXX of collections and closed accounts being reported on my report still. They have not been doing a proper investigation. The original creditor have written off the debt on their taxes but I have not been provided with any 1099c form and the agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have been making reports on my credit on a debt thats has already been written off on taxes. This is in violation of CRA 15 USC 1681 eb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Titanium Funds
State: UT
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: Their investigation did not fix an error on your report

Complaint:
I have had a car with XXXXXXXX XXXX XXXX  since XXXX of XXXX  and here is is XXXX of XXXX  and none of the on time payments Ive made have been reported to the credit bureaus which is why I took a car from XXXX XXXX XXXX  and they have no followed through on their end of the bargain but Ive been holding mine. If I dont pay on time by a few hours they are quick to contact you and disable your car so you cant drive. XXXX has almost cost me a job by turning off the car which is what they want so you cant pay them and they can either sue you or tow the vehicle. I have asked many times why they cant report my payments and I get told different reasons every time. I am just going to take this car and trade it to XXXX and pay the {$800.00} a month I would to XXXX  and pay for a model XXXX. This business has also been telling people on their reviews for years that the credit issue and them not reporting payments will be resolved. I am contacting a lawyer to get what I am owed for having this vehicle but someone needs to look into their shady business practices. Also they lie about the warranty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions 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 Account # XXXX, has violated my rights, original creditor was XXXX XXXX XXXX XXXX 
I am not liable for this debt with XXXX XXXX XXXX Account # XXXX The Account was previously charged off. The Account originated on XX/XX/XXXX with XXXX, XXXX. The last payment in the amount of {$67.00} was received on XX/XX/XXXX. The Account charged off on XX/XX/XXXX with a balance of $ XXXXHas Violated My rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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