BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company, XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX previously sent letters stating I owed on a credit card account. They said legal action would be taken if I did not pay the debt. I requested information and to cease communication if they refused to send information. They followed with a letter stating it was my responsibility to deny the debt. I again asked for a cease and desist. One year later, they contacted me about a different credit card account they bought, presumably in my name. They filed a judgement against me. On the date of the initial appearance their attorney did state I had a cease and desist order prior to this account in reference. At no time has the company sent information regarding either account. I have court tomorrow and they've provided no documents. I also do not owe what they say but I cant afford an attorney and may likely lose the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY 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 2020-07-10
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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY 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 2018-08-27
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I took out a loan to fix my transmission XX/XX/XXXX with a same as cash type credit card. I gave them an address ( a PO Box ) on  my contract to send all my communication to. They put in the wrong address, never sent the statements. I went back to XXXX several times asking for my bill and how to pay. 

The person at the credit card company then sent a statement but charged me all the interest and paid on debt but they kept increasing the balance because they sent to thte wrong address. I paid off the debt and they said they could help but they charged off my balance and will not let me pay them back. I called again with a person trying to help me on XX/XX/XXXX. They confirmed they saw the wrong address and their notes. Said they would not correct credit and that they could not even get me the pay off balance. They said they would send a letter to tell me whet they would do. This is the 4th time ive tried to resolve.last time they laughed that they were hurting my credit. I do not know where to turn. This company wants to charge my 4 times more money then the bill just because they sent the statement to the wrong location. the General manager at  XXXX even tried to call them but was told it wasnt any of his business.

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 2018-07-31
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I turned my leased vehicle in and was told I owed nothing. Shortly after, I began to recieve phone calls during my work hours about my account. I asked the representatives to call me at a time more convenient for me to discus but those calls never came. I then recieve a statement while I was out of town for business. Indicating that if I did not pay a delinquency would be reported toy credit. Before I had a chance to resolve the balance a delinquency was reported. This is now affectiving my work because I am required to maintain certain licensing that had credit requirements. I am also in the process of purchasing a home and this has had an adverse affect of that process. I called XXXX and explained my situation to them. I requested that they remove the late payment and offered to pay the bill in full immediately. I was told they could not help me and I was told by an agent that they tried calling me several times and I was hanging up on them ( which is not true ). I was able to escalate to a supervisor who offered no help. He said it's my responsibility to pay the bill and that he would do nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NY
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, DEPT OF ED / XXXX account # XXXX balance of {$1000.00} DEPT OF ED / XXXX account # XXXX balance of {$2300.00} DEPT OF ED / XXXX account # XXXX balance of {$5100.00} XXXX XXXX XXXX XXXX. 
account # XXXX balance of {$3600.00}. These 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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: Investigation took more than 30 days

Complaint:
I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to

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: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
A month after covids happens, Citi decided to lower my credit limit to the current balance amount. The problem that happened with that is that it made it show as 100 % utilization which affected my entire credit score to lower it by a whopping 70 points. Nothing else changed and in fact I  just payed off XXXX in revolving debt just the month prior. So the fact that they cut that limit was the only contributing factor to the credit drop as nothing else changed. It's my highest use card now. I payed off the entire XXXX now and even a month later it still showing up on XXXX   ( see one of the pictures attached ), but that lower limit hit almost the next day on credit reports. I attached my credit unions score which is higher than XXXX XXXX at XXXX. I'm in the best finical position I've been in years and yet the lowest credit score wise. I think Citi did this on purpose to push me over but I stopped using credit. I also missed out on a XXXX consolidation loan ( would have been easy with my XXXX I had months prior ) with XXXX income base plus another XXXX in bonus on top. 

I was declined, I think they should be held liable for all the interest they charged me and what else they stopped me from saving or investing. 

Citibank I think purposefully targeted people to go over their limit and make their credit score drop like a rock. There was no notice of the credit limit decrease, only after it happened. I'm lucky, I used credit but I have 6 months of payments covered ( and life ) because I got lucky and all credit use was non structural and frivolous events. So I just stopped using in then payed it off. This is so criminal that I have no idea how many people they got in this scheme in the last 6 months.

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 2023-06-14
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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 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: General Motors Financial Company, Inc.
State: TX
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 an auto loan with GM financial and in the earlier part of the year, I realized that they were not reporting my account history to the credit bureaus so I contacted them and they told me they were updating their system and they turned their reporting off. So I wasn't pleased with that information so I reported them to the XXXX XXXX XXXX. Once that was done, I checked my credit report and saw that GM financial reported to XXXX XXXX but not XXXX, and I reported this to XXXX XXXX XXXX   in XX/XX/2018. I then disputed this with XXXX in XX/XX/2018, and received my dispute results on XX/XX/XXXX, so I checked and the history reported is still incorrect, it is showing my last payment received was in XX/XX/2018, which is incorrect, my last payment was XX/XX/2018. I want the correct information reported to all 3 credit bureaus, as a consumer, I expect this to be done accurately and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contracted with XXXX XXXX XXXX dba as Global Client Solutions LLC for consolidation of debts.The agreement was that I would pay {$270.00} for 36 months. 

The groups debited my account for 19 months past that agreement and when I contacted business they sent me a check for {$820.00} instead of {$4300.00}. 

I have worked with the XXXX XXXX XXXX and tried to settle with them for 6 months through letters and phone calls. The XXXX  report shows they have an F Rating and will not respond to XXXX complaints. 

When I called the CFPB we were told that the FTC has taken action against them and I would like to be included in that action. 

Pertinent documents accompany this complaint.

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 2023-03-02
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Failed to honor that this alleged obligation is not mine and failed to grant monetary relief and is unauthorized to conduct business in my state of residence, Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
EXCESSIVE late fees/overdraft fees/NSF fees linked to three checking and 3 credit card accounts with Bank of America. In the past month, I have  incurred over {$1000.00} in fees and the bank is refusing to return nearly {$600.00} across all accounts with over a 11 year relationship with them, despite being told conflicting information from different reps. Many of the resulting fees are not even due to a fault of my own ( the bank ordering transactions to increase the amount of fees they can charge, cashing " bill payments '' BEFORE I the due date in online banking ) which have a snowball effect of EVERY OTHER TRANSACTION, resulting in the never-ending XXXX of fees. 

Additionally, I have been being charged ATM withdrawal fees and a hefty safe deposit box fee which are supposed to be membership " perks '' based on my accountI had received in the past.

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 2018-03-04
Company: EQUIFAX, INC.
State: TN
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:
Creditor Name : US BKPT CT TN XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : Federal District DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : A FED BANKRU DOCKET Number : XXXX DATE REPORTED : XXXX/XXXX I have disputed these accounts with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
On XX/XX/2020 my wife and I submitted a joint application for credit from Chrysler Capital through a link on website provided by Capitol Chrysler in XXXX XXXX MO. We received a letter of preapproval that we took to another dealer, XXXX XXXX XXXX XXXX XXXX in XXXX, KS because we got a better deal on the vehicle we wanted. All went smoothly we left that day with our vehicle and have been making payments ever since. On XX/XX/XXXX we were sent a letter from Chrysler Capital notifying us of an adverse credit determination. How can that be? We were approved and took possession on XXXX XXXX and have made timely payment since then. Why would they submit incorrect, erroneous information to our credit file? That should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!

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 2017-12-19
Company: Medical Business Bureau
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Approx. 6 months ago Medical Business Bureau placed several medical collection accounts on my credit report, negatively affecting my credit scores. I resolved the issue with the credit bureaus as this was my father 's debt falsely reported on my credit. The XXXX advised me that there was nothing that they could do to fix it and I would be on my own to resolve this with the credit agencies. On XXXX/XXXX/2017, XXXX once again filed a collection account on my XXXX for debt my father owed. I reached out to XXXX who once again advised me that I would be responsible for disputing this with the credit agencies. I explained that this is the second time that they have knowingly falsified information on my credit and the representative I spoke with stated that they did not give the credit bureau my information ... This is a violation of the Fair Debt Collection Act and is a malicious tactic to attempt to collect debt from my father. The XXXX has now compromised my ability to get approved for my mortgage and will likely cause me to incur higher interest rates. I asked for a letter to give to my lender from the XXXX stating that I did not in fact have a collection account with them and they refused to provide such email/letter as I did not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: ARS National Services, Inc.
State: LA
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ARS National Services Inc., for committing identity theft. I have never given ARS National Services any permission to use my Identity information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam aware that in accordance with Article 9, the assignme

nt of a defaulted note is illegal. Both the assignee and the Assigned are both liable for violations under 15 U.S.Code subsections 1692e ( 12 ). I have not validated any alleged debt with ARS National Services In
c. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023 I have not received any documentary evidence, such as a trilateral Contract, giving ARS National Services Inc any right to collect on this alleged debt.

I have never received any documentation requesting validation from ARS National Services Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ). Which the FTC defines as debt parking. If ARS National INC. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me. The consumer, prior to furnishing it on my report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
Iam legally18 refusing to pay this debt pursuant to 1692c ( c. ) I am demanding a Cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ARS National Services Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and ARS National INC., continues its collections efforts, I will file for litigation for actual damages caused and ARS National Services INC. will be held criminally liable for aggravated identity theft pursuant to 18 U.S.CODE 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202 f.

Your prompt attention and response are both requested and required.ARS National Services Inc. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Reliant Capital Solutions, LLC
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
So I recieved an email from my employer that my wages were to be garnished. It was stated that they would be garnished by Reliant Capital Solutions. The document attached to the email indicated it was a court order issued by Reliant Capital Solutions back in XXXX. I nor did my wife receive contact from them at all regarding the attempt to collect the student loan debt. This email was the first indicator that my wages were to be garnished. They were as of XX/XX/2019 garnished without contacting me by email, mail or phone call. I haven't take any action as of yet but I plan on calling my HR payoll rep about this tomorrow morning XX/XX/XXXX and see what course of action I can take.

Company response to consumer: Closed with non-monetary relief