BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Midland Credit Management informed me that I have debt from XXXX XXXX XXXX that has been transferred to them, then I made requests that they sent me debt validation documents to establish their claim which they declined give me couple of time and were just routing my calls to different department. ( The sign agreement is the basis of every transaction which I'm entitled to see ). 

Then in XX/XX/XXXX, I received a summon from conciliation court to appear because MCM represented by XXXX XXXX has sued me on the alleged debt. The hearing was scheduled for XX/XX/XXXX. Again I immediately made effort twice to write both parties to send me signed agreement on the card to valid their claim but all they sent was bill of sale, and statement. Also, I called both entities but was been pushed around and told that they don't have the document I requested. 

During the cause of my call to Midland Credit XXXX, I discovered someone in XXXX has access to my Personal Identification Data ( Name, Address, DOB, SSN ), through their organization mismanagement of data of which I confronted the individual. That individual quickly hung up the phone when I told her i will file a complain about the breach. I wrote 2 letters to MCM to explain why my data is in XXXX through them and to establish the debt again but they ignored my concern. 
I have received a lot of phishing, scamming attack and scammer calls since from the period that MCM notified of the alleged debt. 

At the hearing, I mentioned to the judge all the efforts I made to MCM to validate their claim to furnish me with the agreement on the alleged debt and the breach of my PII but the judge quickly shut me down and gave the plaintiff the opportunity to bring in statement, bill of sale denying me the chance to defend myself as specified by the law, I'm planning on vacating the judgement because the hearing was bias. 

I have attached the letters of validation I sent to MCM and XXXX XXXX I will like FTC to assist me in this matter because I'm financially handicap, I lost my job for over a year during the pandemic, I'm currently going to school, got sick thrice and just getting back on my feet after I escaped from my abusive spouse. 

thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX company still has my account with a balance of XXXX with Transunion when the balance is XXXX, paid in full. Also XXXX and XXXX have not included this trade line on my credit report and i have requested that it to be reported since it is with one major bureau, that the other 2 agencies should report the same.

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 2022-07-13
Company: EQUIFAX, 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 sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX : {$580.00} XXXX  XXXX : {$460.00} XXXX XXXX : {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: ACIMA CREDIT, LLC
State: TX
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 contacted XXXX about errors on my XXXX credit report, mainly failure to provide a notice of dispute. Furthermore, they failed to offer an explanation for the issues that were factually-disputed. Instead, they replied that they would not re-investigate. However, failure to provide notice of dispute, which is a violation according to the Fair Credit Reporting Act. XXXX failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank of America says I have " residual interest due '' even though I paid the account on time, by the due date, in full. How is that possible? Although the amount is nominal, it is the principal. How can the " balance '' NOT BE THE BALANCE DUE???? When I questioned why I had a balance, I was told by the rep that it was " residual interest ''. I paid the amount because I don't want my credit to be destroyed over this amount. I want BOA censured or whatever it takes for them to stop ripping off the public.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

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 2018-05-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I filed a complaint with the CFPB about Equifax, complaint number XXXX. Equifax finally sent a free copy of my credit report, which I originally requested on XX/XX/XXXX. Then the CFPB just closed the case, without any input from me whatsoever about its resolution. 

I have asked Equifax multiple times not to print my social security number in full on my credit report, but they did it again anyway. In a letter dated XX/XX/XXXX, Equifax said they would mask the first 5 digits of my social security number. Then they unmasked it, and I had to ask them again in a letter dated XX/XX/XXXX. But, once again, Equifax insists on showing my full social security number in full, and I do not want them to do this. It is totally unnecessary! 

Also, I would like to know why the CFPB closed my case when I had not even had a chance to view the results. I tried to hit the feedback button, but it didn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX PREVIOUSLY INFORMED ME THAT THEY ALLOWED A DATA BREACH OF MY XXXX XXXX CARD # XXXX XXXX XXXX XXXX AND THAT THEY HAD CANCELED THE CARD. THEY CONTINUE TO THREATEN ME WITH BILLS FOR CHARGES NOT MADE BY ME. I NO LONGER HAVE THE CARD. THEY REFUSE BY PHONE TO DISCUSS THE MATTER. 

I WOULD LIKE THE CARD CANCELED AND FOR ME TO BE RELEAASED OF ANY LIABILITY ASSOCIATED WITH THE CARD. XXXX XXXX REFUSES TO DO THIS. 

I NO LONGER HAVE THE CARD

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 2023-02-05
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a vehicle XX/XX/XXXX purchase price of approximately $ XXXX, today XX/XX/XXXX when asking for a payoff amount they are telling me its approximately {$26000.00}, which doesnt make sense since my payments are {$650.00} total paid to date {$7800.00}. While attempting to use car as a trade in to get newer vehicle car lots are having issues because they are saying the payout isnt correct since to date with pay off would be approximately $ XXXX more than what the vehicle was sold for. Im not understanding why the payout is more than the purchase price when I have paid close to $ XXXX this last year. Please help. Exeter claims thats correct however 3 different dealership wont touch the loan or transfer until its corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: U.S. BANCORP
State: CA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2018, I received a letter from US Bank stating they investigated a late payment they reported on my credit report, but in the report they made a false statement stating they had a phone call recording in which I admitted the error was my fault and that they called me. US Bank in no way ever contacted me directly. Every time I had contact with them it was me calling to figure out the issue. I want a full investigation into this and I want all phone calls I ever made to be released because I feel I am being harassed by this company when all I want is for them to remove an unfair late payment from my account that they caused by not sending me notice my account was ever late. 

Refer back to complaint 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 2018-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The reason for my filing of these complaint is to state that capital one is being un reasonable with my case. I had disputed my account ref number : XXXX XXXX XXXX XXXX on XX/XX/XXXX, about late payment history around XX/XX/XXXX to XX/XX/XXXX. 

Capital one requested me to provide proof of my not being able to make my payment. As a result, I sent capital one the doctors proof of sickness ( medical report ) and my XX/XX/XXXX Bank statement that shows that I had around {$19000.00} back then that could have covered the payment due were it not for the serious medical condition that I was under. 

But to my surprise, even after providing all the documents that capital one had requested as proof, capital one still refused to remove the late payment history they are reporting on my credit file. I am requesting that capital One remove the late payment history they are reporting on my credit report. 

Attached here with : 1. My dispute letter sent to cap one on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: Exeter Finance Corp.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Bought a car in XX/XX/XXXX, defaulted in XX/XX/XXXX, got repossessed in XX/XX/XXXX. My last payment was on XX/XX/XXXX, over 7 years ago. I 've had the entry removed from my XXXX but XXXX/XXXX reply within minutes of filing my dispute saying that it ca n't be removed until XX/XX/XXXX. The credit reporting laws put the 7 year time-frame to begin at my last payment so I do n't know how they 're getting away with this. The company is Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, after looking over my credit report I am upset. All these inquires where not permitted by me. Not only are they incorrect, by them reporting and being visable this is commiting aggravated identity theft. These are unathorized and were not verified by me. I have called the credit bureaus send over 13 letters. Please remove these inquires.

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 2023-02-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
final notice The information listed below are inaccurate and incomplete. The presence of these information on my credit report is damaging me and defaming my character and must be removed. I respectfully ask that these accounts be and removed from my file and blocked for the final time. 

My name is XXXX XXXX XXXX XXXX and this is the only name i want on my credit report, Kindly delete the following names below 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 My Address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, Kindly delete the following addresses XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Find attached my Id card and ssn card as proof. 

I have informed you by mail and its passed 30 days, i here by give you 15 more days to delete this inaccurate information off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I attempted to retrieve my 1099 Tax Forms from Coinbase however their systems refuse to allow me access to the forms. Their systems are demanding I donate the last of my crypto holdings however there seems to be no other way to access the required tax forms. 

I attempted to go through their live chat and their phone support however there seems to be no resolution available from these agents other than generic canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: WELLS FARGO & COMPANY
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:
I have XXXX with my credit monitoring company or with the bank involved. In fact, my credit monitoring company XXXX XXXX XXXX ) picked up and alerted me to an attempt to open an account in my name at a bank ( Wells Fargo ) which with I have no prior or current relationship. I have spoken to Wells Fargo and they have " frozen the attempt '' - they have been helpful and responsive. I have also frozen my credit bureau reports ( XXXX, XXXX, XXXX ) on line and the fraud team from XXXX XXXX is apparently also to follow-up on this. So I actually have no complaint but was advised to report this occurrence to the CFPB since it appears to be an example of attempted identity theft

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 2018-11-20
Company: Harley Davidson Financial Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was settled and closed with Harley Davidson financial services. XXXX associates is now contacting me saying that I owe them {$7100.00} Acc number XXXX My business with Harley Davidson was finished completely. No debt was owed. This company is impacting both my co-signer and Is credit score as well as there ability for a loan. It is not my debt to be paid. I need it removed as soon as possible. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-08-02
Company: DOLEX DOLLAR EXPRESS, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I went to DolEx express at XXXX meat market, XXXX XXXX XXXX XXXX XXXX Tx XXXX to transfer {$650.00} to XXXX XXXX, since I was trying to buy a phone, the seller lives in North Carolina but he wanted me to send the money to his daughter in XXXX XXXX, he sent a tracking number of the phone that he sent through XXXX, so, I was supposed to wait until I get the phone to give him the PIN number so that they can get receive the money so I asked the lady at store that was helping me with the transaction, I asked her if there's a way that they can get the money without the PIN number, she said there's no way they can get the money without this PIN number, so, I completed the transaction and asked her if it's fraud can I cancel this transaction he said yes that all I need to do is go back to the store with the confirmation, then I realized the man just blocked me from XXXX since he got the money without any PIN number, so, I went back to store since the lady told me there's no problem to get a refund, and told me that once they get the money there's no way I can get a refund ... The PIN number is XXXX Pds number XXXX. I made transaction on XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or 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: Closed with explanation