BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: SUNRISE CREDIT SERVICES, INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been receiving calls from Sunrise Credit Services, phone number XXXX. When I called, I spoke to XXXX XXXX who advised me that I had a balance due with XXXX XXXX XXXX. When I advised that I never had an account, she told me that it was a case of identity theft and that I needed to email or fax a copy of my photo id, social security card, and two forms of residency to XXXX or XXXX, and reference the account number she provided me, which was XXXX along with my phone number. I was advised that services were activated from XXXX - XX/XX/2021 at XXXX XXXX in the XXXX, NY. When I reached out to XXXX ( XXXX XXXX ) directly, they confirmed that neither myself or my wife have ever had an account opened in our name. They also couldn't verify the contact information for " Sunrise Credit Services. '' I think they are running a scam to get people to send their proprietary information to them so they can perform the identity theft. When I called back to " Sunrise Credit Services '' at XXXX multiple times and refused to give personal information and ask additional questions, I was hung up on by multiple representatives. Please look into this as the activity seems to be fraudulent and I would like to help protect other innocent people from being the victims of 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 2023-08-30
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection XXXX was deleted twice cause I have evidence showing that collection and account doesn't belong to me. XXXXXXXX XXXX  sent me a letter about 6 months ago and they deleted the collection now Midland Credit Management keep pushing this nonsense messing with my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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 noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my two year contract with XXXX XXXX  and never received any statement from XXXX of showing balance is due.With XXXX  services I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you prepaid the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company. 
I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
i got behind on my mortgage payments during covid 19 but was lucky enought to come up with the money need ed to get my mortgage current in XXXX of this year and made two payments totally over XXXX dollars to freedom mortgage in two separate payments, i have been talking with the company about the missing payments and sent proof of payment to them two separate times and yet my mortgage still shows delinquent and i can not seem to get any traction to get the problem fixed. just seem to get the run around and they have promised to get it taken care of for weeks, but after countless phone conversations i have decided to up the ante.

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 2023-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
CHRYSLER CAPITAL VIOLATED MY CEASE AND DESIST LETTER 15 USC 1692C ( C ) BY SENDING ME A POST CARD HARASSING AND THREATENING ME THAT THEY WILL REPOSSESS MY PROPERTY. THEY ALSO VIOLATED 15 USC 1692 D IN RUINNI MY REPUTATION WITH PUTTING A LATE PAYMENT ON MY CREDIT AND THE THREAT OF STEALING FROM ME. 
ALSO 18 USC 8 STATE ALL MY DEBTS WERE ASSUME BY THE UNITED STATE SO HOW DO I OWE THEM A DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: DISCOVER BANK
State: NY
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:
DISCOVER BANK, Inquiry : XXXX XXXX, 2019, XXXX XXXX, 2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
One main financial is constantly hounding me on line and by mail with fake offers. They gained access to my personal banking information and I fear they are trying to scam me. They did this to my senior mother as well. They guide you through an application and once they get your banking information they cut off. I did contact my bank and tried to revoke consent on third party. But Im feeling upset and harassed. They need to be held responsible for deceptive practices and harassing vulnerable people like myself, who lives with only being on SSDI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I XXXX XXXX went threw a down fall and lost my job so I couldnt pay my cards so when I filed taxes this year I decided to pay down XXXX debt I had in credit cards I know I missed two payments on each card cause I couldnt pay I didnt have a job at the moment so I paid most of them off and they jus closed my account they told me if I paid they would be back on and it was like they made me pay capital one cards secured card and credit card they closed them immediately After recount my payments which I find very unfair if I paid them almost in full why would they close my accounts so fast can you answer my question!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following accounts are fraudulent and unauthorized by me. 
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 non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: IL
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 requested a copy of my credit report and noticed an account that was opened in my name without authorization. I filed a dispute with the credit bureaus and received a verified as accurate response. I contacted the data furnisher and was told that the account is mine and will remain open. I have reason to believe that a proper investigation was not completed for several reasons. 

The date of last activity, date reported, date opened, and payment status is showing different information on my credit report. I have attached a copy showing the inconsistency and erroneous information. 

To add, this account has passed the statute of limitations in the state of Georgia as defined below : In Georgia, the statutes of limitation for a breach of contract claim are : Six years for a written contract ( O.C.G.A. 9-3-24 ). Four years for other express or implied contracts ( O.C.G.A. ) This fraudulent account was opened in 2016 and has passed the statute of limitation. For all the reasons listed above, I would like this account removed from my credit reports and all files. 

To conclude, all derogatory accounts are supposed to be removed from my credit report after seven years and that has passed as well. 

Data Furnisher : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Experian 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 2019-12-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told to send fax with the police report and documents of evidence that i am a client that have fraud in my credit and i already did investigations with other company and that i had fraud i was told to send like 2 pages with that evidence and i did i end it true certified letter and also i send it true fax i have evidence it was send and they denied that they did not receive nothing so i decide to send it bye certified mail and they dined that it was not receive so this company is not helping me at all and they want to charge me something that is not mine i send them police report my identification and evidence of other company that i had fraud before i am afraid of this i am not sending more documents with my information cause it have my personal adress and my name picture and more so i need this company to stop lying cause this is affecting me.

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 2017-11-01
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX placed over {$700.00} into collections with Diversified Adjustment Service stating that I owed them money for wireless services. After speaking with the collection agency they indicated an address ( XXXX XXXX XXXX, CA ) that was used to establish services. I have NEVER lived at that address and it appears I have been a victim of identity theft. As a result the collection item has been placed on my credit for ALL three major credit bureaus. XXXX XXXX has refused to remove this item from my credit and has reported FALSE information. They have violated the FCRA/FDCA by sending this item into collections. 

Diversified Adjustment Service has continued to report this account on my credit and has violated the FCRA/FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove XXXX XXXX ACCOUNT BALANCE {$750.00} XXXX XXXX XXXX  Account balance {$300.00} XXXX XXXXXXXX XXXX Account balance {$500.00} US DEPT. OF EDUCATION Account balance {$1100.00} US DEPT. OF EDUCATION Account balance {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: SC
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:
Someone has been using my name and social security number trying to apply for different accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Barclays and the customer service rep ( XXXX ) asked me what was my race. Also asked me how far do I live from Washington DC! Came back to the phone and denied my credit card. I asked the rep to tell me why my application for credit was denied, and I was told I have negative items on my credit file which is definitely not true and can easily be proven. When I asked him which bureau pulled my report,, He told me XXXX which was another lie. I have proof that my report was pulled from XXXX! The rep couldnt give me one name of any account that was delinquent or any type of derogatory info.. As a consumer I have a right to not be discriminated against because of my race nor should I be asked as a deciding factor what my race is. I also have the entire conversation recorded where this representative [ XXXX ) asked me what is my race before making a decision to deny me credit. Before I do my reviews online, release this recording on XXXX, file a complaint with the attorney generals office and contact media XXXX on your side,,, I wanted to officially file a complaint 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, 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 have 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 consent.

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 2021-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Keys Auto Finance 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Keys Auto Finance directly, as well as, XXXX, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$590.00}. This account balance is {$0.00} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
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: Information belongs to someone else

Complaint:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX {$5600.00} 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 2023-08-30
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer 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 non-monetary relief