BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: AZ
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 account XXXX ( XXXX ), account XXXX ( XXXX XXXX XXXX XXXX ), and account XXXX ( XXXX XXXX XXXX ) have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: 2233 Paradise Road LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Cash Factory USA promised a payment arrangement over the phone that was different from what was emailed to me. 
In XX/XX/XXXX I took out a loan of {$750.00} from Cash Factory. Due to unforseen hardships I got behind in the payments. In XX/XX/XXXX I set up a payment arrangement of $ XXXX. I paid this amount for XXXX and XXXX. On XX/XX/XXXX their system would not allow me to make a payment. I was told my account is now handled by the retention team. On XXXX I spoke with XXXX in the retention team who told me the debt in the amount of {$940.00} could be settled for {$470.00} to be deducted from my debit card on XX/XX/XXXX. I agreed on the condition I would received this settlement agreement in writing. XXXX promised I would receive it. 

The email I received from her only said a payment arrangement of {$470.00} had been set up. It said nothing regarding the debt being a settled in full amount. I emailed Cash Factory USA and asked them to send in writing what was offered over the phone ; which was a settlement arrangement, not pay arrangement and they refused. The letter gives the impression I must make more payments. In my email, I stated I would revoke my payment authorization if this is not corrected. I do not want to pay this amount only to have Cash Factory say I still owe them more money. Promising a settlement amount over the phone, then sending an email which alludes to something entirely different is a deceptive business practice. I need Cash Factory to honor their promise made over the phone and send the correct Settlement arrangement in writing.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report again during COVID-19 and found late payment on XXXX and XX/XX/2020 where i was told that it would be deferred and put in the back of the loan : I am not sure how this happened, but i also checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, this account continues to report incomplete information, such as wrong balance, different late remarks on different bureaus, not the same month, inconsistent payment history, etc. This can not be accurate and I really don't want to waste any time going back and forth. This account is unverifiable and wants it deleted from my credit report.

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 2020-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX XXXX..Today I was a victim of fraud. Wednesday night with my family seeing santa claus when I get a alert that my account has went below XXXX dollars my account balance at XXXX dollars when knowing I had XXXX in my edd debit card. Someone first did an inquiry at a BofA ATM than withdrew XXXX than XXXX leaving me at XXXX dollarsand having my card on me an as you can imagine its rent week and XXXX is right around the corner and this happens to me. So I call the number on back of card and get put on hold for 3 hours just to get hung up on than I call back to make sure card I'd cancelled and try to get transferred to claims department than they say it closed at XXXX. So for my own protection I made a police report asap hoping this will help now I cant sleep it is XXXX and I cant stop thinking how I'm going to pay my Bill 's and buy my kids XXXX gifts : ( is anyone in the same boat as me I just feel so stressed. I'm not giving up tho but i feel something needs to happen about all of this and BofA needs to have better security policy for all this. I'm depending on the edd money right now with everything that is going on in this world now this I'm just disgusted at the people that would take from the people that dont have much and have family. Now I made the claim and made a police report 2 days later which is today I call to check on my claim and they said it has been closed as well and my account at BOFA saying the edd closed it due to fraud and they closed my claim as well this mad e me stress more now I had to fax over a copy of my ID and claim number to ensure my claim gets reopened!!

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 2018-07-26
Company: ENCORE CAPITAL GROUP INC.
State: NM
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:
I have told them verbally and in writing to not contact myself or family instead they have increased calling to XXXX to XXXX calls a day. Midland credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have {$9000.00} USD in my PayPal wallet. Since XX/XX/2020 they have locked my account and denied me access to my funds. They sent the following message in XXXX and again about XXXX. 
" You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money.Reference ID : XXXX '' This is theft and I want my money returned to me with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-06-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about as incorrect. The credit records I am complaining is not agreeable to me because as a matter of fact the items on the report are unknown to me and I want all of it to remove on my file because of its inaccurateness. Please remove the following items as they were fraudulent : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-09-18
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since approximately XX/XX/2020 I have been receiving harassing telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller ID to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from an entity by the name of Enhanced Recovery Company , LLC ( ERC ) in XXXX, Florida. According to their website they are " an international business process XXXX and full service, end-to-end provider for every aspect of the customer lifecycle, including debt collection. '' They further indicate working on behalf of a number of different creditors such as telecommunications, utilities, banks, cable companies, financial service providers, student loans, etc. In addition, they maintain being contracted by creditors and in some instances debt purchasers. Based on the circumstances of the telephone calls and lack of receiving a written validation notice I believe ERC to be a fraudulent debt collector. To date I have kept a log of over 50 spoofed  telephone numbers from ERC spanning back to XX/XX/2020. All calls have used the area codes XXXX and XXXX and have come primarily from the following telephone numbers : 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, I have reason to believe they have spoofed other numbers from within the state of Maryland and contact may date back further. I have not received a written validation letter from Enhanced Recovery Company LLC regarding any alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
On Friday, XX/XX/XXXX, I made a purchase at Kohl 's in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me.

She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Was not notified of investigation status or results

Complaint:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX  out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HEY XXXX XXXX ; JEFFERSON CAPITAL SYSTEM ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Westlake Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account that is showing charge off in my credit report WESTLAKE FINANCIAL SVC I never got into an agreement with debt buyer. 

I had an agreement with XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I have disputed this that I never got into an agreement with WESTLAKE FINANCIAL SVC I dont understand why they continue to show that my account was charge off by them when the account was charge off by Automovil on XX/XX/XXXX. 

Also on my credit report on XXXX it shows Status Updated XX/XX/XXXX when that is not possible because agreement was made with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CORELOGIC INC
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: Public record information inaccurate

Complaint:
Hard Credit Inquiry on my Credit Report with XXXX. It needs to be removed immediately.

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 2017-12-17
Company: EQUIFAX, INC.
State: SC
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:
On Friday, XX/XX/XXXX, I made a purchase at XXXX XXXX in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me.

She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fair Collections & Outsourcing has placed a negative on mine & my wifes credit file in error and are still unwilling to resolve this after repeated letters sent and speaking to managers there. I sent FCO a debt validation letter on XX/XX/XXXX in order to make sure they follow the Fair Credit Reporting Act & Fair Debt Collection Practices Act but they never responded to the debt validation & we NEVER received any notification from FCO in regards to this account referenced in collections and on our credit bureaus. We made a FULL-PAYMENT of {$630.00} to XXXX XXXX XXXX XXXX directly. I spoke with XXXX XXXX from FCO on XX/XX/XXXX and she told me to email proof in order to get the collection account removed from mine & my wife 's credit file and she assured me that it would be done but to this day it has still not been removed. FCO is still continuing to report this inaccurate negative account on both of our credit files. FULL-PAYMENT payment was made directly to XXXX XXXX XXXX and not settled as it shows on our credit reports. I mailed 4 separate letters to FCO in order to get this resolved but they would not cooperate. 

Attached is our final account statement from when we moved out on XX/XX/XXXX directly from XXXX XXXX and also debt validation letter sent to FCO on XX/XX/XXXX which they never responded 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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccuracies on XXXX, Transunion, and XXXX for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.

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