BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 am writing to file a complaint against Midland Credit Management , Inc. for their unlawful and unethical debt collection practices. despite repeated requests for verification and proof of the alleged debt, Midland Credit Management , Inc. has failed to provide any documentation to support their claim. They have continued to harass me with collection calls and letters, despite my clear requests to cease all communication until they can provide proof of the debt.

Furthermore, I did not give consent for Midland Credit Management, Inc.to put any times on my consumer reports. Yet, they have continued to report inaccurate information on my consumer report, which has negatively impacted my credit score and financial well-being. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) sections

1681d and 1681n. In addition to violating the FCRA, Midland Credit Management , Inc. has also violated the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated 15 USC 1692c ( a ) ( 1 ) by continuing to call and send letters despite my request for them to stop. They have also violated 15 USC 1692e ( 2 ) ( A ) by providing false and misleading information about the debt, and 15 USC 1692j ( a ) by failing to provide me with verification of the debt. 
Midland has also violated 15 USC 1692d ( 2 ) by engaging in harassing and abusive debt collection practices. their behavior has caused me significant distress, and I believe that their actions are unacceptable and illegal.

Finally, I would like to bring to your attention that Midland Credit Management , Inc. is also violation the Collection Agency Act ( 205 ILCS 740/ ). Their continued collection of an unverified debt is a direct violation of this act. 
What's more, the company is showing my report as open with XXXX consumer report agency and closed with another. this inaccurate information is causing additional harm to my consumer report and financial standing. 
I have made numerous attempts to resolve this matter with Midland Credit Management , Inc., but they have refused to comply with my requests and continue to engage in unlawful and unethical debt collection practices. As a result, I am now left with no other option but to pursue legal action against them. 
I request that the Consumer Financial protection Bureau investigate this matter and take appropriate action to address these violations. I also request that Midland Credit Management XXXX Inc. be held accountable for their actions and that they be required to provide me with the verification and documentation necessary to support their claim. I further request that they correct any inaccurate information that they have reported to any and all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: ENCORE CAPITAL GROUP 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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuit 15 USC 1681b 2 company has also no permission to report anything using my info pursuant to 15usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: FC HoldCo LLC
State: PA
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:
In XXXX of XXXX, I purchased XXXX XXXX XXXX. I Had this auto financed through FLAGSHIP CREDIT ACCEPTANCE CORPORATION. This loan was to be repaid within a XXXX month period ( 5 years ). 
In XXXX of XXXX I became very ill. I contacted Flagship and informed them of my illness and inability to make the LAST XXXX PAYMENTS of the Auto Loan on time. 
I was informed by the Customer Service Rep that they ( Flagship ) would allow me an extensive period of time to make these Last XXXX payments, considering I had never missed, nor was I ever late on any payments prior to that time. 
In XXXX of XXXX, Flagship Acceptance Repossessed this Automobile without informing me of their intent to repo this car. 
When I contacted them via telephone, they informed me that this was their policy and that there was nothing they could do to assist me. I asked if there was any way I could redeem the auto and they told me NO!!!! 
I attempted on numerous occasions after that to speak with someone about getting this automobile back. Constantly I was transferred to different numbers within the company, only to be left on hold and eventually hung up on after they checked my account. 
Now here it is years later and I just found out that they ( Flagship ) have the audacity to have me in collections for the balance of {$960.00}, the exact amount I owed them after paying for this car diligently for just about XXXX months short of XXXX years. 
My issue is XXXX Fold. ( 1 ). I know they sold that car for way more than the {$960.00} I owed them. And I know now that they were supposed to contact me before and after the sale of that vehicle. They Did Neither!!!!. They were also supposed to rebate to me any overages beyond what was owed on the car plus expenses. They did not do that either. At the time the car was supposedly sold, this auto had an approximate value of between {$4000.00} & {$8000.00}. I never received any monies from this company nor anything else except their trying to ruin my credit and receive more money from this car that they are no longer owed. 
This company should be sanctioned for their illegal and unorthodox practices. Preying on people for their own profit.

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 2023-06-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
While checking into the national multistate licensing system, I noticed LVNV FUNDING LLC is not licensed to collect in the XXXX XXXX XXXX and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( Comenity capital bank forever ) Acct number : XXXX ( XXXX XXXX XXXX XXXX ) Acct number : XXXX ( XXXX bank XXXX XXXX ) Acct number : XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX. ) After deletion I need an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
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:
I did NOT authorize these inquiries, these companies DID NOT have a permissable purpose, and I DID NOT sign any applications, I have also ADDED a fraud alert to my credit reports! 

XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XXXX  XX/XX/2018, XXXX XXXX XXXX XX/XX/2018,  XXXX XX/XX/2018,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I was scammed where {$1000.00} was taken out of my account in cash app and this was unauthorized. I filed a police report & tried disputing with Chime but they keep saying no error occurred & this is false an error did occur and I did not authorize a {$1000.00} transaction on my card for anything or anyone. I have tried to dispute this twice with chime and they will not come to a resolution with me and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have an installment loan with the company BBVA, I made a payment on XX/XX/2021 and was told prior to the payment that I qualify for a loan modification to receive a lesser interest rate. The original interest rate for the loan was around 18 %. I agree to the modification and was told that I need to make three months of payments based on the new modification amount, In which idea. I was told that the three modification payments covered XXXX, XXXX, and XXXX. Once the modification was complete it in XX/XX/2021 I received my documents from BBVA stating that my first modification payment was due XX/XX/2021. I spoke to a representative and ask for a payment history on my account, I noticed that nine of the payments that were made prior to the modification all went towards interest none of the payments that I made and Full was applied to my principal balance. In addition BBVA told me even though I was modifying the loan and had made the three payments they had given me until the modification had been completed They would still report late payments to all creditors to ruin my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: PCR Group
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am victim of identity theft and these accounts : Adjustment Account for {$18000.00} is fraudulent. Cfpb, this not the same complaint for XXXX. This formal complaint regrading identity theft has official my police report attached for the issue at hand regrading my identity being stolen. I never had this account and this is identity theft and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do not owe theses debts and I am requesting a cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been getting telephone calls from someone who identifies herself as " XXXX XXXX '' who claims she is a debt collector but refused to give the name of the company with which is was supposedly associated. She said that in order to stop further action on this issue I needed to call XXXX. 

Then today, I got what was obviously a bogus collections email, from some place claiming to be True Accord ( XXXX, XXXXXXXXXXXX ) and claiming that I owed " XXXX XXXX XXXX the Current Creditor-Debt Purchaser '' {$1400.00} for some balance on an old XXXX account. It claims the account went into default in XXXX ... 

I have n't done any business with XXXX for about a decade. I was provided with NO PROOF of any debt owed. 

I looked up True Accord online and found that : " TrueAccord Corp has been sued for using debt collection practices that allegedly violate the FDCPA. '' Since they came back to back, I 'm assuming that the bogus telephone call ( which obviously violated debt collections rules ), and the bogus email which claimed I owed money I do not owe for an account that is over a decade old ( also in violation of debt collections rules ) were from the same company/individual.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is engaging in fraudulent activity by trying to collect debt not owed to them, fraudulently opened account and then reported it as a charge off. Have not given consent to this company to furnish anything on my report which is in direct violation of federal laws. No consent is identity theft. Company can not collect monies for a debt that has allegedly already been paid/charged off. 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 the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I worked with XXXX and XXXX with USAA to get a 30 year fixed rate mortgage. They were able to walk me through the process, but at the end charged me an additional {$760.00} to waive escrow even though I had conversations with both XXXX and XXXX both via email and phone that I did not wish to waive escrow upon finding that there was a fee to waive escrow. I was assured it would be taken care of by closing day, but it never was. On closing day they said they could " try '' to help me, but in doing so they would further delay the process, which could cost me the loan and I'd have to restart the entire process. They claim that I never told them anything about this, but I have a call recording from XX/XX/XXXX and an email from XX/XX/XXXX showing that I clearly did not wish to waive these fees. 

I was also pushed into further debt by the recommendations from XXXX telling me that there was no way they could possibly close by XX/XX/XXXX and that I should secure another month in my rental home in Georgia as to not become homeless. I was then told by XXXX on a later date that I must move into the house on XX/XX/XXXX to secure the loan, putting me out by {$1300.00}. 

My third complaint, which I was advised by my Agent is that they never told me how much closing costs were going to be. I called and left many voicemails and sent numerous emails and they kept stating they would let me know closer to time, but even as I sat at the closing table, I had not received any final word from USAA to tell me how much I needed for a downpayment, and I'm told that they must legally do so within 3 days of closing. While this didn't necessarily hurt me, there are many people that this would have caused significant hardships to - especially if the final price was higher than the estimated price. 

Additional documentation and phones calls can be produced as needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Frontline Asset Strategies, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney! Someone used my information to open a mobile phone service and credit card accounts. I need the following negative inquires removed from my credit report that's listed in the report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Reported XX/XX/XXXX to comenity MasterCard Mailed requested documents twice in XXXX & XXXX Used the secure message center to submit all documents multiple times - sent XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : Have received 6 letters stating that I needed to submit more information and each time I have asked what specifically. 
Have called multiple times and even spoken to supervisors XXXX on XXXX & XXXX XXXX XX/XX/XXXX, both of them emailed the dispute department on my behalf because they both agreed that I sent everything that was requested. All messages can be viewed by comenity as they are in the SMC app. All notes can be seen on my account as every time I call they notate. I have spent over 10 hours on the phone with this company and they still havent even said that they have what they need to investigate! They have closed the claim twice stating that I havent submitted proper paperwork but no one can tell me what I have to submit. This process is the most ridiculous circus I have ever been involved with. I will continue to fight and report them to anyone that I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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