BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing this formal complaint to express my serious concerns about the unprofessional and illegal actions of IC System Inc. ; reference : ( XXXX ) who have persistently engaged in actions that are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 

In particular, the agency has violated the following sections of the FDCPA : 1. Section 806 ( 5 ) : This section prohibits a debt collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. However, the collection agency has been calling me multiple times per day, including before XXXX XXXX and after XXXX XXXX, which is clearly aimed to harass and intimidate. 

2. Section 807 ( 10 ) : This section prohibits a debt collector from using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Despite this, the agency has threatened me with actions they can not legally take, such as wage garnishment and imprisonment, which is an egregious breach of this statute.

3. Section 809 ( a ) : Under this section, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing various details about the debt. I have yet to receive any such written communication from the debt collection agency, demonstrating a disregard for my rights under the FDCPA.

4. Section 805 ( b ) : This section specifies that a debt collector may not communicate with any person other than the consumer in connection with the collection of any debt. However, the agency has repeatedly contacted my family members, friends, and employer, causing me personal embarrassment and potential professional harm.

The actions of the debt collector have caused significant emotional stress and damage to my personal and professional relationships. The collect reminder does not even include a full list of might rights under federal, state, or local laws. I would like the CFPB to take strong action against the debt collector and to ensure that the company complies with the FDCPA and does not attempt any further action to collect this illegal 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 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX & XXXX of 2020, someone tried to purchase a vehicle from multiple car companies. I notified these companies stating that I did not AUTHORIZE these INQUIRIES, nor was I applying for any auto loans do to the fact that I was just released from prison in XX/XX/2020. They stated that the inquiries would be removed. In addition, during that time XXXX was closed due to the Pandemic ( COVID ), so there was no way for me to obtain a License or State ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC
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:
I sent out a verification of debt letter to Lanier collection agency. A third a party collection agency for XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia. While attempting to validate the debt through the collection agency the collections agency had violated hippa. I did not give written or verbal consent for XXXX XXXX XXXX XXXX or authorization to XXXX XXXX XXXX XXXX  to share my personal information what a third party collection Lanier collection agency and services. I did send a letter letting them know that I would contact and make a report and complaint with the federal trade commission. I also placed In the later that I will sue the company for giving out my personal information. They violated hippa laws by disclosing my personal health information to a third-party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: CO
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:
Experian has made it impossible to reach a live person to discuss my credit report. The options are either call about a fraud alert or freeze, or to order a score. There is no option, and no combination of options that lead to a live person to discuss my score or report. I have to get a dispute comment removed to be able to move forward with my mortgage approval, however I can not get ahold of anyone. I have called Experians customer service number at XXXX and no luck.

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 2019-07-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This credit card was opened at XXXX store in XX/XX/XXXX when I purchased a mattress & accessories for {$7200.00}. The agreement was that the payment for the products would incur no fees or interest for the 24 month promotional period and monthly payments would be equal to 1/24th each month of purchase price- {$300.00} per month. XXXX sent a defective mattress & had to replace it 4 times. After the 5th time I insisted that they give a full refund since we had not been able to sleep on the mattress during the near 1 year since purchase, each replacement was either the wrong mattress or another defective one. They agreed to refund the purchase price but they only did a partial refund. After months of back and forth where I had to keep paying the credit card company the {$300.00} per month, they refunded an addition amount, but not the full amount I originally paid and there was a balance left of {$630.00}. The credit card co said that they couldn't credit any of the payments back that I already paid for the defective mattress-I had to get it directly from the store, but that they would adjust the monthly payment to {$110.00} and the adjustment would take 36 hours to show up online. It never did - I called up, spoke with a number of service reps and on XX/XX/XXXX, while on the phone with them I paid {$110.00} for the XXXX payment. I was, once again told that it would show up online in 36 hours. It didn't-I sent secure messages on XX/XX/XXXX & XX/XX/XXXX & spoke with XXXX & XXXX-customer service in South Dakota-both telling me that the previous rep didn't do it correctly, but not to worry it is now taken care of and would show up online in 36 hours. Each told me they spoke with a supervisor and that it was being taken care of & that {$110.00} payment was correct. I paid the second {$110.00} after speaking with XXXX and today I find online that I am charged a {$28.00} late fee. Their chat service says they have a live person available, but no one comes online.

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 2023-12-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is my 5th attempt to exercise my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report : XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number Not listed on the report Bankruptcy Public Record. U.S Bankruptcy court As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX of 2020 I had made a purchase on XXXX XXXX XXXX XXXX for a CPU and chose to use XXXX to finance the purchase. Upon completing or what I had thought to be the completion of the purchase I received an email from XXXX asking me to go back to XXXX and complete my order. I then went to check my email inbox to see if I had received any emails from XXXX with an order confirmation email, but I could not locate one in my inbox or spam folder. 

So at XXXX request I went back to XXXX and completed my order. Once again I did not receive any order confirmation email from XXXX so I went online to check my XXXX account to see that I now had two pending loans with XXXX. I attempted to work with XXXX and XXXX to resolve the matter but XXXX was unable to locate any orders under my name and address provided. XXXX was also unwilling to work with XXXX to resolve the matter. 

I eventually received two CPU/computer processors from seller who had placed the bids on XXXX and immediately returned the second computer processor to the sender via XXXX. I then paid the first loan off with XXXX and filed a disputed for the second loan providing them with the XXXX tracking number showing them I had returned the product to the seller as this was a duplicate order created by XXXX asking me to go back and complete my order. 

XXXX then denied the disputed and demanded that I also pay them for the second loan that was created in error by a misleading email sent by them also knowing the merchandise was returned to the seller. XXXX has since turned the second loan over to XXXX XXXX a dept collector and there is now a collection pending on credit report. 

I believe this to be a UDAAP violation as this has adversely affected my credit report. This first loan has been paid in full to XXXX and the merchandise for the second loan was returned to the seller but yet XXXX still wanted to collect on this dept knowing all of the above information. 

I have all email communications and screen shots related to this matter as evidence. 

Please assist. 

Thank you!

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 2021-11-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LVNV FUNDING LLC XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX is not acting in good faith to fulfill my request to investigate my car loan. I paid my loan via their website. Due to a technical issue on their site my payment apparently never went through. XXXX XXXX failed to notify me electronically of the 'late ' account until it was well past due and has now very negatively affected my credit score. I will file complaints with every regulatory agency I can until my credit score is adjusted.

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 2021-10-31
Company: EQUIFAX, INC.
State: NJ
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:
Back in XX/XX/2021, I submitted a request for proof of this bankruptcy on my credit report to all third party agencies.And they were not able to supply proof as to how they retained such information so XXXX XXXX Deleted it from their Database and sent me proof that it was deleted. I sent that proof to all three major credit bureaus that as of XX/XX/2021 it has been removed from they place they claimed they got it their information from so why are they still reporting this lie? Equifax told me and gave me a number for XXXX XXXX to call them and said thats the only way it would be removed from my credit. XXXX XXXX said we dont call credit companies.I want to know how are they investigating something that is no longer in the database? And XXXX XXXX is not a legitimate companyI need this bankruptcy removed for it is defaming my name and credit just remove this obscenity from my credit report all three credit companies it was an error so just remove it from my report instead of making like your disputing it with a real company because again XXXX XXXX is not XXXX removed for. Third party agencies and I never gave no one permission to put nothing on my credit report no how so why be so nasty and trying to defame with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX FCRA Violation : other loan not mine XXXX XXXX, XXXX XXXX  FCRA Violation : hard enquiries not mine XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine 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

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 2021-05-06
Company: Experian Information Solutions Inc.
State: NC
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:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-02-24
Company: EQUIFAX, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX LA XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: United PanAm Financial Corp.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called my realtor to run credit for a mortgage loan. And she gave me 2 Inquiries... 
1st collection. Inquiry XXXX XXXX XXXX XXXX a charge off. 
Reported XX/XX/XXXX for an amount of XXXX # XXXX Phone number XXXX 2nd collection Inquiry XXXXXXXX XXXX XXXX ( XXXX XXXX ) # XXXX Phone number XXXX I have not had a auto loan since a year ago and that was paid off as a XXXX balance with challenge financial I have not been with XXXX XXXX  since XX/XX/XXXX and that was a XXXX balance as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Early Warning Services, LLC
State: OH
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 been in XXXX  6 years since I was XXXX came home and my credit was messed up and I cant open any major banking accounts and I never had a bank account

Company response to consumer: Closed with explanation