BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ON XXXX CREDIT CONTROL SERVICES INC. DBA CREDIT COLLECTION SERVICES INC. CALLED ME TO MY PHONE NUMBER XXXX AND FAILED TO GIVE ME THEIR LEGAL NAME. IT IS UNDISPUTED A DEBT COLLECTOR MUST GIVE OUT THEIR LEGAL NAME WHEN REQUESTED FROM THE CONSUMER RECEIVING SUCH COLLECTION CALLS. THEY WERE DECEPTIVE AND MISLEADING WHEN THEY FAILED TO GIVE ME THEIR ENTITY 'S LEGAL NAME WHEN THEY ATTEMPTED TO COLLECT A DEBT IN THE PHONE CALL THEY PLACED TO ME. I DISPUTE THIS DEBT AND DEMAND THEY INVESTIGATE MY DISPUTE AND SEND ME RESULTS OF THE DISPUTE WITHIN 30 DAYS ARE REQUIRED BY TFC 392.302 ( E ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act XXXX XXXX XXXXXXXX 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 an account without my written instruction.

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 2021-02-13
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy on XX/XX/XXXX. L.L. Bean credit card was notified by the courts that I filed bankruptcy on that day. I had my hearing on XX/XX/2021. I keep receiving emails from them regarding a credit card statement. Nobody takes the initiative nobody takes the responsibility of L.L. Bean credit card MasterCard. I get off the phone with them on XXXX 2021 and I get two emails that I said I supposed to pay a balance. I never gave them authorization to take {$370.00} for me and {$120.00} for me. I have confirmation emails. People were in my house I never told them that I was paying any bill. I am protected on chapter XXXX bankruptcy and theyre violating the chapter XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: RFNA, LP
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was out of work for a couple of months and I fell behind on a lot of things and my XXXX XXXX loan was one of those things. Now that I'm back to working I've been trying to catch up. So, on Wednesday XX/XX/2018 I received a group text message from a representative from XXXX XXXX by the name of XXXX. The text message stated " This is XXXX form XXXX XXXX. I have to have one full payment today or collections has requested start of legal process for judgement/wage garnishment. Please call me XXXX '' Although, no names were mentioned in this group message we know with today 's technology it's not hard for anyone to find out who the numbers belonged too. I'm not trying to diminish the fact that I owe XXXX XXXX because I'm well aware of that. I do have a major problem with my privacy not being protected. This issue has caused me embarrassment and major XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my three credit reports for the first time in years. All three show a collection against me by a company known as : MRS BPO. they are attempting to collect a debt from me from XXXX XXXX in the amount of {$1800.00}. First, I have never been contacted by either MRS BPO nor XXXX Mobility by mail, phone or otherwise. Second, I have never had an account with XXXX XXXX. XXXX calls from me to MRS BPO resulted in them just trying to get me to settle. I asked for proof of this debt, they can't! I file disputes with all three credit bureaus, and was declined, apparently due to lack of cooperation by MRS BPO. Their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Phone # : XXXX or XXXX. My acct # XXXX. This is someone else 's account, not mine nor any family member 's. Thank You. Possible identity theft?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: OneMain Finance Corporation
State: PA
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 formally notify you of the unauthorized ONEMAIN inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY!

According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section. 
Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile. 
Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized ONEMAIN inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The first payment on a {$22000.00} used XXXX XXXX XXXX to XXXX XXXX XXXX was on XXXX XXXX. 
The Vehicle was paid off in full on XXXX XXXX ( XXXX, XXXX early ) out of a 66 month agreement contract. 
I continued making timely monthly payments of {$400.00} per month after the first XX/XX/XXXX initial payment On XX/XX/XXXX a chapter XXXX Bankruptcy ( I initiated ) was discharged in my name. 
I continued ( missing no payments ) through XX/XX/XXXX when said vehicle was Paid in full to XXXX XXXX XXXX. 
I have asked XXXX XXXX XXXX several times to please report to the three Credit Reporting Agencies the vehicle is paid in full and that the XXXX account is closed. 
XXXX has refused to do this ( they have told me because there was a Bankruptcy they would not report it to the 3 Bureau 's ). 
XXXX XXXX XXXX was not damaged in any way, I never missed a payment and the vehicle was paid off in full over two years early. 
For XXXX to adversely impede my credit score by not reporting that the account has been paid in full serves no purpose, especially since they were not damaged by my Bankruptcy, they were paid off 2 years early and there were 19 months of timely payments made prior to the XXXX Bankruptcy. 
I am XXXX years old and in need of a place to live, I am told I need a credit score of at least XXXX to rent an apartment or buy a house, I currently have a credit score of XXXX. 
If XXXX XXXX XXXX reported to The three Credit reporting Agencies that the XXXX account is closed and paid in full, it will will mean the difference in getting a place to live or not. 
I am sending along with this complaint a copy of the payment history, Sincerely email :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
someone use my identification and open capital one credit card in XX/XX/XXXX with credit limit of {$3000.00}. In XX/XX/XXXX when i pulled my credit report than i found out i have credit card with capital one, I called them and disputed the account and told them i am not aware of that card and i never received this card or statement. they told me to do the police report and identification report and send them, I did do the police report and identification theft report and send it to them. Meanwhile i asked them to send the statement to me to give it to police but after my 3 requests they did send me the statement. I hand over those statements to the police officer. After a month investigation the police officer told me He couldn't find any evidence for that card using those hotels. All the hotels and places where that card was used, they don't have video recording saved for more than a month, since its more than 3 moths, there is no evidence i was able to collect. I told the the capital one all the police investigation but they are telling me that card was delivered at your home and when i asked them for proof, they never gave me second they telling me i used my phone to activate it but the cell phone number ( XXXX ) the giving me is not my number, but they keep insisting they have proof that number is mine but they never give me proof. 
I been using one cell phone ( XXXX ) since XXXX and i have been in business since XXXX and all my vendors, friend, customers relatives have that number, I been disputed this account since XX/XX/XXXX but never be able to convince them that is not my account. 

since their negative reporting affecting my credit score. i was planning to refinance my home and buy a new car but their negative reporting is not letting me to do anything. 

please take action against the capital one and remove my account permanently. 
its not my account, i never received this card and i never used this card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged multiple time with a XXXX XXXX fee for an overdraft charge. Say 2 charges were made which lead to my account being negative they have charged me twice. Which I can send my bank statements to prove and as well as them charging me every month for a maintenance fee which I wasnt charged until I was affected by a tornado at my job so I wasnt able to work which lead to me not being able to deposit much into my account but at least XXXX dollars was getting deposited into my account every week

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 2021-08-25
Company: Direct Recovery Services, LLC
State: TN
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:
The company is calling my office and leaving messages on another coworkers phone about my debt with the company. I have spoken to the company and have EXPLICITLY EXPLAINED that this was my place of work and that the number on file was not my number. I even gave them my phone number. They are continuing to call my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL
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:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from MICROBILT, I never contacted or contracted with this company. I contacted MICROBILT by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: VA
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Santander Consumer USA Holdings Inc.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We went to XXXX XXXX XXXX in XXXX WV to purchase a new car for my military son stationed in Kansas. Well needless to say that my husband and I are both XXXX with limited income and this was all explained to car lot. Well we got a XXXX XXXX XXXX that we really didn't want but we were going to Missouri to see my son and he needed a vehicle to go on to XXXX XXXX well payments were {$500.00} which was alot higher than we asked for and they put the car in our name not my son 's so it went on our credit. We put {$2000.00} down of my son 's money and he paid {$500.00} monthly till he came in on leave. We went to car lot to trade the car in for a vehicle my son wanted well they wouldn't take the car on trade because they'd lose money cause car we were paying way over what car was worth I volunteerily surrendered the car to Santander and they sold it for over XXXX We had paid over {$8000.00} already so they wanted XXXX more and I said no the car wasn't worth that and they agreed to drop it and it was off my credit report for months and then all of a sudden it's back on there and they are calling us after over a year of not bothering us. This company and car lot have been in trouble before on getting outrageous loans for people who can't afford them so they make a profit. My husband has XXXX XXXX and is not compent to enter into loans they were aware of this but guess whose name is main principal. So that's illegal and we've lost enough money over this we just want it off our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: MN
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:
Upon starting the audit of my personal credit reports, I found multiple inaccuracies from XXXX  XXXX and XXXX XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by XXXX XXXX XXXX for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Medical revenue collection service call my Job at XXXX. Told me about the debt for a medical bill for XXXX XXXX in the amount of {$600.00}. i kindly let him know that i could not pay it, he told me I have no choice but to commit to pay {$75.00}. They not accepting i can not pay. I do not have money and I do not like the fact he tell me I have to pay for something when I do not have the money. I won't them to leave me alone.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
The account forXX/XX/XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.

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 2021-09-09
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I have repeatedly emailed Netcredit and sent a screenshot from Netcredits terms and conditions where it clearly states that if an account is created it can be closed. I created an online account before I was denied. I simply asked them to close the account and deactivate it. It has nothing with any database deletion So I have simply asked that the account created and tied to this email that I am emailing from be closed. That has NOTHING TO DO WITH ANY DATABASE!

Not to mention, in the Equal Credit Opportunity Act only states that they have to keep my information in their database for 25 months, NOT FOREVER! 


CFPB link : XXXX XXXX XXXXXXXX Copy and pasted response from NetCredit. 
On XX/XX/2021, at XXXX XXXX, XXXX wrote : Thank you for choosing NetCredit, America 's trusted online lender. 

This email is to confirm that your concerns have been reviewed by our Final Resolution Team.

After a careful review of your account and information available to us, our records indicate that you raised concerns that you wanted your information to be removed from our database. 

After further review, we regret to inform you that due to the XXXX Equal Credit Opportunity Act, we are required by law to retain a record of any customer information submitted to us as well as the status of each application received. 

Our records indicate that we have processed your request to opt/out your account and a email was sent XX/XX/2021 advising you of this information. In addition, NetCredit will not share your personal information with any affiliates and non affiliates of NetCredit. Rest assured that we take data security and privacy very seriously and safeguard all information that we obtain. 

If you have any questions or concerns, our customer support team is available seven days a week to help answer all your questions via phone, email or online chat. 

NetCredit Customer Support Team Phone : XXXX Email : XXXX www.netcredit.com

Company response to consumer: Closed with explanation