BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Have been sending letters to this company XXXX XXXX, for the last 9 months. Asking them to show me all the proof as to this being my debt. Every month in reply Midland would only send in return a bill. I will upload copies of these letters as well as the letter asking if they were even licensed and bonded in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my lease car was totaled in a car accident on XX/XX/2019. after my insurance paid the lease company they billed me for {$1400.00} on XX/XX/2019. I sent them a certified mail on XX/XX/2019 disputing this amount. I never heard from them no more. I was checking my annual free credit report in XX/XX/2019 and saw they reported negative information including a charge off. my excellent credit score dropped a lot.i disputed with the credit agencies with little success even sending them documentation. I contacted the lease company and they keep giving me the run around.the lease company is Hyundai motor finance. the credit reporting agencies are XXXX  and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: DC
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: Was not notified of investigation status or results

Complaint:
I have a history of always paying on time, and it's causing me a lot of anxiety to see this inaccurate late payment on my account. I have never missed a payment on this account, and I am begging you to remove it from my credit report as soon as possible. It's affecting my ability to sleep properly, and I would greatly appreciate your urgent attention to this matter.

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 2023-05-09
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: WA
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:
Dear EQUIFAX, Please remove the following Employer from my report as it does not belong to me and is being reported in error : Wrong Employer : XXXX XXXX XXXX. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

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 2018-08-27
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm on XXXX for the past 10 years and have XXXX and XXXX they have been paying for my medical bills and I should not have to pay for this one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had Capital One Platinum VISA card since XX/XX/2014. It was originally a secured card, obtained to establish credit. At that time there was an annual fee of {$29.00}. 

Several years ago, Capital One revised there fee structure and made the Platinum VISA free of any annual fee. I will provide a link if needed, but simply XXXX " Capital One Platinum '' will bring their advertisement, prominently showing zero annual fee. 

I have spoken with them a couple of times, most recently today. It has been explained that because there was a fee when I signed up I must continue to pay that fee. They will not argue that the card is now free. I asked for an upgrade and it was denied. 

Capital One sent a solicitation for a pre-approved zero  fee Quicksilver  card in the mail, which is what brought this to mind. 

Capital One realizes that those with newer credit profiles may suffer if they cancel their oldest card, and that is my dilemma. 

Only to prove the validity of the request and my worthiness for credit, I will state my credit score is skirting 800.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, Portfolio signed for a returned receipt letter ( please see attached ) on XX/XX/XXXX. Per FCRA REQUIREMENTS they are to mark my credit report as being disputed ( Section 623 ( a ) ( 3 ). Portfolio did not do this, ( please see attached ) They have broken the law and per regulations they are REQUIRED to remove and stop all collecting attempts. CFPB is there to protect and serve consumers rights as you can see they did brake this law!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2022-12-16
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I got an alert stating I had a collection account. I reached out to the company on the same day and they informed me that they were sending notices to an address that I have not lived at since early 2016 and they were calling a phone number that I no longer had. My mail was forwarded to my new address and my credit report has all of my updated contact info including phone number and address. If they properly skip traced me then they would have had this information. I was not given the opportunity to dispute or resolve this account before the collection was placed on my credit report, because I knew nothing about it. This has tarnished my credit score and I was under contract for my new home and past the due diligence period, which now I have lost my earnest funds due to no longer qualifying for lending. In addition, to that my children and I have given notice to my current rental property so we are now going to be homeless all because of this company illegally adding this account to my credit report without notice. I just had a XXXX 6 weeks ago and this has ruined my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account and it is not mine. I have disputed this on my credit. They keep trying to put collections on my credit. I have no knowledge of the debts. They are not mine. The repeated re-posting of multiple collections to my credit during Covid-19 has kept me from obtaining a new credit card and divorcing during Covid as it is difficult to even dispute online right now. I believe their collection efforts have been financially damaging to me at this point.

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 2020-07-13
Company: Bread Financial Holdings, Inc.
State: MA
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to XXXX and all XXXX credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by XXXX, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. XXXX is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all XXXX of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing 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 explanation
Consumer complaint received 2019-11-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent an inquiry via certified mail USPS # XXXX to Synchrony Bank/ Care Credit XXXX XXXX XXXX XXXX Florida XXXX. 

The inquiry was regarding an account # XXXX in the amount of {$4400.00} listed on all three of my credit reports as a charge-off, this is not my account. 

In the letter I requested for Synchrony Bank Care Credit to provide all documentation and records related to this account, I requested all documentation and records related to opening up the account in order to show that I did not open this account. I requested that the negative charge-off information be removed from the three credit bureaus and for my credit file to be updated to reflect the accurate changes. I asked for all documentation to be mailed to my attention @ XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, Texas XXXX. 

Synchrony Bank/ Care Credit has never responded to my inquiry nor did they correct the matter. Synchrony bank by Federal law is obligated to respond to my inquiry in a specified timely matter of which was not done. 

See attached copy of my dispute that was mailed certified receipt to Synchrony bank/ Care Credit on XX/XX/XXXX as well as I have additional information for your review as well. 

1. Cert Mail XX/XX/XXXX which is the purchase receipt for the certified mail # XXXX. 

2. Cert Mail XX/XX/XXXX Page 1 of 6 pages is my copy of the USPS certified receipt sent, Page 2 of 6 is contains my dispute letter to Synchrony Bank, Page 3 to 5 contains a copy of my XXXX  credit file listing the incorrect account, Page 6 of 6 contains a copy of my drivers license. 

3. USPS Tracking Receipts- this shows the date and time that Synchrony Bank/ Care Credit received my certified letter XXXX XXXX containing my dispute.

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 2021-09-23
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I've already filed a complaint regarding this issue which was closed prematurely. The complaint number is # XXXX. BBVA fraudulently reopened my account, in my opinion, in an attempt to get old customers to come back to revive their dying business. They acknowledged that they reopened a closed account, however, they have made no attempt to close the account. My XXXX report shows that the account is still open. BBVA USA needs to be investigated for shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: AMERICAN EXPRESS COMPANY
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
American Express says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : XXXX XXXX estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXX High Credit : {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX Account Type - Detail : Educational Date Opened : XX/XX/XXXX High Credit : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$4500.00}

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 2022-01-08
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:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: OH
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 submitted four letters to XXXX XXXX, Experian, XXXX. The letters state, according the to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax. mail or email in a fraudulent account.

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