BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've reached out to Security Credit Service twice requesting validation of an alleged debt. As of today, I have not heard back from them. I am for certain that I do not owe this company any money. For starters, I have never done business with them nor have I heard of this company. They have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardi v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, not thereof any such debt, in fact, exists. 

Therefore, I restate my demand for proof of the alleged debt, specifically the alleged contract or the other instrument bearing my signature.Absent such proof, they must terminate this collection action and correct any erroneous reports of this debt as mine. According toFair Credit Reporting Act ( FCRA ) everything on my credit report must be accurate, verifiable, and reporting timely. If not that, information must be removed or corrected from/on my credit report. Security Credit Service can not report information to one or more of the three major credit bureaus that will be violating my rights. For the record, I state again that I have NO account with them, nor am I their customer, nor have I entered into a contract with them. I've requested VALIDATION of the debt not verification which was not provided. I also asked for the following that was not provided. 

I did not give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2 this bureau has violated my given right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX I called Citi Bank and revoked authorization for XXXX XXXX to charge my account. The following attempts were made on my account from XXXX XXXX after I called the bank. XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I called Citi Bank again on XX/XX/XXXX after I noticed they charged me a {$34.00} fee for each attempt. I was told on XX/XX/XXXX they would freeze out the company. on XX/XX/XXXX the company tried hitting my account again. I called and was told they could see if the could refund XXXX overdraft. I filed a complaint with Citi on XX/XX/XXXX about the fees. However after MULTIPLE request to revoke authorization Citi Bank continued to let them hit my account repeatedly and charge me. I have been charged over {$400.00} in fees after I requested authorization revocation.

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 2023-04-24
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: Was not notified of investigation status or results

Complaint:
They're reporting me as late even when I'm not that's why I want you to look at the documents that I've attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX XXXX WERE NOTIFIED OF MY BANKRUPTCY FILING AT XXXXXXXX XXXX  THE DAY OF THE TRUSTEE SALE DATE. I HAVE MY PHONE RECORDS REFLECTING THE OUTBOUND CALLS. I FAXED OVER MY BANKRUPTCY FILING INFORMATION AS WELL TO XXXX AND XXXX XXXX XXXXXXXX PRIOR TO THE TRUSTEE SALE HOUR OF XXXX XXXX YET XXXXXXXX XXXX XXXXXXXX PROCEEDED WITH SELLING MY HOME TO A THIRD PARTY. HOW BEING A TRUSTEE DID THEY SELL MY HOME WHEN I NOTIFIED THEM OF THE BANKRUPTCY FILING PRIOR TO THE TRUSTEE SALE HOUR. HOW?? I HAVE ASKED THEM FOR A PAYOFF SINCE THEY STATE I NOW HAVE TO PAY THE LOAN, WHICH IS FINE I CAN NOW PAY IT OFF IN FULL. THEY STOLE MY HOME OF MANY YEARS. A HOME IN OUR FAMILY. I AM ASKING THEY REVERSE THE ILLEGAL SELL THEY PROCEEDED WITH. GIVE ME THE PAYOFF DEMAND AND I WILL PAY YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Some company by the name of Sequim put a collections from XXXX XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX. I have had another cable in my for years. I want this removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.

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 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one gives a due date for all payments, but is not fair on time allowed to make payment. My due date is the XXXX ( XXXX ) & XXXX ( XXXX  ) of every month. Capital one does not hold true to that and if you try to make payment after XXXX et time it will not allow you to select the XXXX or XXXX, so I have to select the next day. If you select the next day it considered late and they charge a late fee of {$25.00} even though I technically tried to pay it on the due date. If capital one gives a due date they should atleast allow the entire US and all the time zones until XXXX. Them cutting it off XXXX hours early on the same day as due date is not fair and I feel like it an easy opportunity to charge extra fee. I have called before to discuss it and try to understand why I was being charged a late fee if I was trying to pay it on due date but the system wouldn't allow me to pay it and had to select a later date. Call rep told me I should pay my bills on time was which was rude and in fact I was paying on time according to due date given by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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

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 2022-11-08
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: Their investigation did not fix an error on your report

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-04-24
Company: West Central Texas Collection Bureau
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, I am writing to file a complaint against XXXX and XXXX regarding an inaccurate collection account that is being reported on my credit reports. The West Central Collection account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for West Central Collection in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/2023. Furthermore, the collection account has not been verified by West Central Collection or any other entity, despite my requests for verification.

I have attempted to dispute this collection account with West Central Collection and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my XXXX and XXXX credit reports immediately. I also request that West Central Collection cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,

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 2019-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hard to include dates. Portfolio Recovery Calls at least 3 times a week. Today, a sunday!, called before XXXX XXXX. This time I answered. No one there. Clearly a robo call to harass. Never leave a message. One year ago asked them not to call, I was not person they wanted and that I was on do not call list. I hung up, the person immediately called back and said I was rude! Have been calling ever since then. Portfolio Collections evidently know how to bypass " nomorobo '', and do not call by changing their number. However on my cell phone I can stop them by blocking each and every call. Doesn't work at home. Have been calling for at least 2 years! Ignore or tell them not to call. Doesn't stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Open Dealer Exchange, LLC
State: FL
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:
I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. 

I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution. 

To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, I am writing to file a complaint against XXXX and Transunion regarding an inaccurate collection account that is being reported on my credit reports. The XXXX XXXX XXXX account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for XXXX XXXX XXXX in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/. Furthermore, the collection account has not been verified by XXXX XXXX XXXX or any other entity, despite my requests for verification. 

I have attempted to dispute this collection account with XXXX XXXX XXXX and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my XXXX and Transunion credit reports immediately. I also request that XXXX XXXX XXXX cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,

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 2019-08-27
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I ordered laser checks from a branch of the bank and I was charged a fee. The checks were not what I ordered and they were not picked up at the branch. The branch then reordered the checks and I was charged another fee - but the original check fee was never reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 


Please erase from all credit/debt reporting agencies

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 2023-04-24
Company: Credit Control, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, Im writing CFPB in regards to a debt from XXXX XXXX XXXX  and XXXX that was paid back in XXXX, and to make matters worse this debt is past the 7 year limitation. I have been getting harassing letters demanding payment. I tried to let them know that this debt has been taken care and its passed the limitations but I got no where with representative from Credit Control LLC

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 2017-09-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information and put me at risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NY
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2022-10-07
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Grievance against Elan Financial Services and my Secured Credit Card closing mechanism fails to provide logical justification in holding my actual cash value for two months. I have legitimately paid off my XXXX. with Elan FS via XXXX XXXX XXXX. Therefore Elan FS has no logical justification to suggest nor to insinuate that a need to withhold my account money would protect Elan FS against a chargeback because the checking account belongs to me and I have proven it to you via this grievance. [ See screenshot-a. ] Furthermore, the XX/XX/2022 transactional records which are posted to my XXXX indeed show that it compromises all direct from retail merchants. Therefore Elan FS has no logical justification to be expecting transactional amounts to change. [ See screenshot-b. ] Furthermore, the account holder has only just incurred a single fee during the year of 2022 which was recorded on XX/XX/2022, 130 days ago, and there aren't any foreseeable fees. [ See screenshot-c. ] Please take note, the account holder has not made any international transactions, nor made any cash advances either. Lastly, the webpage hosted by Elan FS where the terms and conditions are located but before account approval, is apparently obsolete because upon viewing it and considering the fact there is a signature line which must be filled out in handwriting, I did not at all agree to it, Elan FS did not contact me to sign it, and Elan FS did not provide me competent contract terms. [ See N.J.S.A. 56:8-2 and see Rent A Center, Inc. v. Antonio Jackson , 561 U.S. 63 . / ( A determination that a contract is unconscionable may in fact be a determination that one party did not intend to agree to the terms of the contract. )

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 2019-08-02
Company: Experian Information Solutions Inc.
State: MS
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:
Please reverse the late payments reported on the following accounts : XXXX  XXXX and XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has 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

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 2022-02-18
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
The vechile was repossessed I don't have a vehicle

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