BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My XXXX XXXX credit card along with other cards were stolen. Identity theft was proven by law enforcement in 2016. Midland Credit is still trying to collect and reported it to credit bureaus. XXXX  deleted it from my file as identity theft correctly. I have disputed this with all three bureaus and legal documentation was filed in 2016. XXXX  refuses to acknowledge this felony as not my debt. This is a felony in the state of NC. This is damaging to my well being and financially, these same felons got {$9300.00} from my bank account and tried cashing e-checks with my deceased husbands signature. I am a victim of identity theft and XXXX  refuses to acknowledge any of the legal documentation. XXXX  did this correctly. Why cant XXXX!!! XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX. They even have several erroneous addresses. Example : Arizona. I have never even been to Arizona!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2023 XX/XX/2023 I have been reporting various reports with the CFPB about credit acceptance I have told Both The CFPB and credit acceptance that I am on fixed income of {$510.00} monthly income and {$190.00} food stamps Following being hit by a car while walking I am XXXX I do not intend on paying this debt because I can not afford it I dont wish wish to be contacted by credit acceptance as Ive told them to stop calling me I suffer XX/XX/XXXX And I will not be bullied as I do know my consumer rights I will not allow this form of harassment From credit acceptance who is also reporting repossession/foreclosure to my credit report The car was repossessed not foreclosed Again I do not have the money to pay for this debt nor do I intend on paying it If they contact me again I am filing a lawsuit For harassment disturbing my peace And misinformation on my credit report I am in the process of healing from having touch and go XX/XX/XXXX The last thing I need is to be arguing with a creditor about a debt Ive already said I cant pay Ive requested a 1099C so I know they have already filed So that I can file it as well Ive requested a XXXX deletion If they are not going to give either to me They should just 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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear TransUnion XXXX, I am XXXX XXXX XXXX, a victim of identity theft. I have already contacted you earlier regarding the Fraudulent Hard Inquiries, but there was no answer. There are some Fraudulent Hard Inquiries on my credit report, I notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened.

I did not authorize the listed inquiries, they do not belong to me, so they should be removed from my credit repoet as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States XXXX if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

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 2023-01-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-11-29
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For XXXX years I have carried motorcycle insurance on a XXXX XXXX that I purchased that can not be driven on the road. 

In XX/XX/2021, I permitted the coverage to lapse rather than extend the coverage, as I decided that the insurance was too expense for a vehicle that I only drive in my yard. 

XXXX took it on themselves to extend the coverage that I did not want, and then sent me a bill for the coverage. I ignored the bill because they charged me for something that I never wanted or agreed to in the first place. 

Now they have sent the bill to collections, with Credit Collection Services. I carry homeowners and car insurance with XXXX, but clearly, it's time that I found someone else for insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID 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 2023-03-05
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Over a year ago, I used XXXX XXXX to enable WiFi in my house. We moved a few months later. I contacted XXXX XXXX to request installation at my new address. We scheduled an appointment. They did not show up. We schedule appointments three more times and after a month of rescheduling, still they do not show up. Finally, they say service is not offered in my area. So, I told them to cancel my service. They confirmed cancellation. 

Few months later, I receive a bill from XXXX XXXX stating my account is past due. I call them and explain the situation. " Service is not offered in my area. So I can not use XXXX XXXX. Please Cancel '' They assure me the balance is {$0.00} and apologize for the mixup. 

Few more months, bill is now in collections. Once again, I call them and explain the situation. Collection agency tells me to speak with XXXX XXXX. I call XXXX and am given the same reassurance as last time. I spoke with : XXXX, Employee ID # XXXX, from XXXX XXXX Internet Billing and Order Department. Located in XXXX Florida. Was given confirmation that situation would be resolved. Considering, they do not service my area and I told them to cancel account MULTIPLE times. 

After filing multiple disputes with XXXX, nothing has changed and it is still on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection with Waypoint Resource Group was paid directly to XXXX XXXX on XX/XX/18. attached you will find a copy of my receipt. Since I paid the creditor directly, the collection company does not have a valid collection. I have asked them to remove the collection from my report and they have only updated the report to a {$0.00} balance. They can not simply just update a balance on an account that they are not collecting on anymore. They need to remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 an 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 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 2018-08-28
Company: Lending Club Corp
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: Account status incorrect

Complaint:
I was trying to refinance my property so I consolidate my bills. Lending Club is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. Lending Club automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: MA
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 confirmation number XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I had disputed the accounts above with Equifax and also included a police report, Equifax has not removed the accounts above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive never had a contract with Convergent Outsourcing, a debt collector, for any debt. I have been asking this company since XX/XX/2023 to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit reports. I have not agreed with any results of their investigation, and they have done nothing to verify. I have been asking Convergent Outsourcing to mail me the proof of their investigation and proof that they, as a debt collector, has a legal right to collect for a debt, or delete this account from my credit profiles. 
Furthermore, the address noted for this debt is a fraudulent address that is not verifiable anywhere in the city or state where I reside in Texas.

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 2018-08-28
Company: CITIBANK, N.A.
State: TX
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 called to cancel my Citi Thank You credit card account when the yearly fee of {$95.00} posted to my account. I called on XX/XX/2018 and during the call decided to keep my account open as I was told the $ XXXX   yearly fee would be refunded after 3 months of {$1000.00} 's in purchases. I have used the card for 4 months with over {$1000.00} in purchases each month and have not had the yearly fee refunded, as Citi Thank You promised. 
When I called Citi Thank You on XX/XX/2018 to ask about the refund the customer service representatives hang up on me immediately. First time it was XXXX, and the next time it was XXXX. XXXX pretended he could not hear me and hung up within 3 seconds of us being connected. I heard someone talk to XXXX softly ( I could not understand what was said ) right after he asked me for the account number and then he just hung up.

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 2020-06-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I paid some {$11000.00} thru my Citi XXXX XXXX for a cruise on XXXX that was eventually cancelled due to the Coronavirus. XXXX refunded my {$11.00}, XXXX on my Citi XXXX XXXX on XX/XX/2020 and since that date I have been trying to get the credit balance of some {$10000.00} transferred back to my checking account. 

I keep getting a different story each time I call. On XXXX I was told it was approved ( not sure what needed to be approved since it was my refund ) and the transfer would take place in a few days. I called again on XXXX and was told it was approved on XXXX and would get it in a few days. 

Citi XXXX is holding a large sum of my money and I could use it in these difficult times. They have no trouble charging me interest if I am one day late but can not seem to find the time to refund my money

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 2020-09-10
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:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX XXXX, and TransUnion are reporting accounts that are not mine and are allowing these collection agencies report false information.

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 2023-02-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from XXXX. 

CBNA Said they will investigate the matter but never gave me an update. I would like to know a decision!

My credit score was fixed when they added remark code : dispute account information/ close by consumer My credit score dropped 50+ points yesterday when the changed the remark code to dispute resolved, consumer disagrees/ close by consumer The Dispute is not resolved

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 U.S.C. 1681. 

Account name : # XXXX Account name : # XXXX. Account name : # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. States 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 to relating consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-08-28
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:
I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion and XXXX XXXX with no successful resolution. XXXX, XXXX and TransUnion reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

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