BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have disputed this account on several different occasions in XX/XX/2021 and XX/XX/2021 with Midland Funding LLC. They did not contact me before placing the account on my credit report. They failed to respond to my dispute, and after carefully examining collection practices in the State of Texas, I found Midland Funding LLC does not have a bond or license to engage in debt collections in my state ( Texas ). 

After sending a certified letter with receipt return, Midland did not respond to the dispute. The letter contained the dispute and included a screenshot of them not being authorized to be a third party collector in Texas. 

I also, sent the exact same letter to each credit reporting agency XXXX XXXX, XXXX, and XXXX  XXXX requesting them to delete the account with attached screenshot from the Secretary of State in Texas. Both XXXX  and XXXX failed to respond. XXXX responded saying they received verification from Midland Funding that this account is correct. That was not my dispute. I requested to have the account deleted as Midland Funding LLC is in violation of Texas debt collection statutes. I'm wondering how is it that Midland can provide verification to the credit reporting agencies and willfully ignore my request to delete the account. 

I have given them several chances to correct their error and they have neglected to do so. Both Midland Funding LLC and the credit reporting agencies continue to violate my consumer rights, so I'm filling a complaint in an effort to get my request resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 

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 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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 contacted the three major credit reporting agencies at the beginning of XXXX to inform them of 71 total inquiries on my credit report that I was not aware of, or I didnt authorize. I have some serious concerns that I may be a victim of identity fraud and I am in the process of following the proper procedures for that. I have been a victim of this in the past in the spring of 2016 and these seem to be the same signs only more extreme in this situation

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 2021-05-10
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company is EOS CCA XXXX XXXX XXXX XXXX, MA XXXX. I called them on XX/XX/2021 to better understand why they think I owe a debt that is over six years old that I can not verify is mine. The agent that I spoke to had several dates of service and was unsure which one was correct. She also suggested I just pay it off even though I am not sure it is mine legally. I did sent a dated letter asking them to verify the debt is mine and send over documentation from the original creditor so that I may better understand where this debt originated. Until I spoke to them today, they were calling upwards of 3x a day from spoofed phone numbers and I have yet to receive anything from them via USPS. I recently made a payment on this alleged debt but am hesitant to do so again until they verify that the debt is mine and I receive the documentation I am asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an electric utility service ( XXXX ) opened in my name, ( maiden name used ) at an address I never resided. I found this delinquent account on my credit report. I disputed it XXXX, XXXX. The collection agency AARGON Agency sent out the disputes XX/XX/XXXX. No response with account verification proof was provided at all from the original creditor. I attached proof the bill is not mine and that I was and still am living at a different address. The account was eventually removed from XXXX and XXXX, but XXXX states they were never notified about the dispute and therefore it remains on my credit report through XXXX today.

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: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: KY
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: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: CA
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 and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 yection 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Reached out to TransUnion multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. TransUnion has broken NUMEROUS USC laws. Reached out to them via mail/certified letters with return receipts. TransUnion did not have permissible purpose to report anything to my consumers credit report. TransUnion received information from someone other than myself. Thats aggravated identity theft! TransUnion also didnt havent written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. TransUnion must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2021-05-09
Company: EQUIFAX, INC.
State: TN
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 reviewed my XXXX XXXX, Equifax and XXXX credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XXXXXX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and XXXX XX/XX/3019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank behind Simple ( a mobile, online-only banking service ) is XXXX and they shut down the Simple product yesterday after months and months of emails about Simple customers needing to prepare for XX/XX/XXXX, when the conversion would happen and, presumably, we'd be migrated to XXXX clients and able to activate our online accounts. Not only did they botch the conversion process, but most Simple customers have been unable to activate their accountand, hence, unable to monitor or move their moneyfor more than XXXX XXXX now. They never sent a follow up email with further instructions, instead relying on XXXX posts as their communication. They said today, XX/XX/XXXX ( SUNDAY, XXXX XXXX XXXX, we needed to call into the call center between XXXX and XXXX CST to get help. When we do, either we never reach a rep and it disconnects, or we reach a rep who gives their introduction, immediately says they can't hear us, then disconnects. I've even started with, " I know you can hear me, '' to which the person immediately disconnected the line. Someone could be using my card, spending all my money right now and I'd have NO IDEA. I have NO VISIBILITY into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: ProCollect, Inc.
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:
I got a email warning from my bank on XX/XX/XXXX, and found a new collection against me was submitted on XX/XX/XXXX. I logged in my XXXX account and found a company called Procollect Inc did that. They claim that I own {$2200.00} to XXXXXXXX XXXX XXXX XXXX, and date of first delinquency is XX/XX/XXXX. I never heard the name of this apartment before, and believe it's a identity theft. I filed dispute with all three credit bureaus last night. I called Procollect Inc this morning, the representative told me that I co-signed for another person. I told him that I never lived in that apartment, and never heard about the apartment, I also don't recognize that person 's name. But he didn't want to listen to me. He just asked for my credit card to pay the debt, and said otherwise will sue me. I tried to ask him who is XXXX XXXX XXXX XXXX, he refused to answer and asked me to XXXX, but XXXX returned multiple XXXX XXXX XXXX in different states. When I was trying to ask question about dispute, he hanged up when my question was still in middle. Sigh, what a bad day. Could you please help me? I really need you help, thank you very much! 

Here is information of Procollect Inc : Procollect , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Phone : ( 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 2023-05-26
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 2021-05-08
Company: EQUIFAX, INC.
State: NE
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 received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXX, XXXX  XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXXl, XXXX XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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'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