BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have repeately tried contacting these people to get a current statement so that I can have this account resolved and they never mail me any statements as I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted multiple requests to have this item removed as I did not authorize the original creditor to share my personal information with this company. Per XXXX law it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received notice from XXXX XXXX of a newly added debt collection from Midwest Recovery Systems opened on XX/XX/20 in the amount of {$1800.00} I never had a loan in this amount. I have not received a phone call or any written communication regarding this so called debt. It simply appeared on my credit report. 

Very unfair - especially in a nationwide shutdown!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: RI
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 XXXX Bank, Account # : 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 602 A. Section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Spring Oaks Capital ( SO ) did not disclose the date of last activity, incorrect balance, status incorrect, my file has not been corrected. I am requesting due to this violation I have the right to request deletion, because the law demands deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NC
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:
After reviewing my report Im aware that the below accounts are still on my report after I called in and sent letters to have them investigated previous. I also submitted a request online and have not gotten an update. Which is a violation of my rights.

This is also hindering me from being able to purchase my first home.

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


XXXX XXXX Account # : XXXX I.C. XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items for information, any other adverse item of information, other than record of conviction 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 2017-10-25
Company: CCS Financial Services, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it May concern : In my credit history I report an account that I do not belong to Credit Collection services # XXXX collecting a balance of {$490.00} from XXXX XXXX XXXX - XXXX which does not belong to me and I have never lived in the United States.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has sent a refusal to investigate my credit file claiming id information that they received from me was not legible.This claim is absolutely ridiculous ( PLEASE SEE ENCLOSED DOCS ) XXXX and XXXX have started investigations based on the exact same request and ID information. Additionally, Experians delays add up to more than XXXX days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/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

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 2017-10-25
Company: KEYCORP
State: WA
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 received two charged off collections letters dated XXXX XXXX, XXXX and attempted to resolve the debt. Being unsuccessful in this I had to activate my benefits through my employer to get assistance from an ID Theft representative / Another formal dispute was entered XXXX. The fact that there are collections attempts being made on an account that should be marked as Fraudulent is a violation of both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Today my representative called them to discuss the status and was told that they will not accept POAs and will only speak directly to me. Formal POAs must apparently be delivered by hand to someone in their legal department to verify authenticity even though the POA that they have received is notarized. The first rep said that the documents were there, but they ca n't accept the POA, then I called back with my rep and were told there were no documents at this point. I am receiving poor handling of my account and feel they are attempting to stall in the hopes that I do not continue to contact them or to give them time to sell the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I reported unauthorized transactions I was told to disable my account transactions Its so and I had scheduled for a new card to be sent to me the following day I woke up with a email saying my account has been suspended or closed and then I needed to submit documentation all of the documentation has been submitted and they said that it would take one business day after documentation to be submitted for the account to be unlocked well its been 24 hours and they still have not unlock my account have not responded to emails Ive called about 50 times an email about 14 times with no response and I need access to my funds and they just dont wan na answer nobody

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Was a member of Sam 's Club, was checking out when the cashier asked me if I would like to sign up for a sams credit card and get {$100.00} toward my purchase. I said okay and she ran the credit report and didn't go through, she mentioned that they would call me I asked if the promotion would still be valid the cashier said yes, a few days later I got a call from sams club credit asking if I would like to complete the process to get the card. I had asked the person from sams club credit if the promotion was still valid and mentioned that if it was not I did not want a hard inquiry on my credit report and that I wasn't interested. She informed me that if the promotion was still valid. I said okay and then they approved me for the card. 

A few days passed and I opened the letter with the card and the promotion was not included so I called Sam 's Club credit to ask, I was informed that I was not entitled to the promotion and would have to settle for 30 dollars off my credit purchase good for the next 30 days. I was upset and cancelled the card and also cancelled my membership with sams club. I called the credit reporting agency to get the hard pull removed from my credit history. They informed me that only the credit card bank could do that. I called the credit card bank and they refused and said they couldn't do an order of deletion. 

I am asking that Sams Club Credit through Synchrony Bank be investigated along with sams club and that their hard pull from my credit be removed.

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 2020-10-08
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called to reach a negotiation from ASSETCARE Debt Collector and asked for a confirmation. The agent was very rude over the phone and asked me to be quiet while she talked. And while I tried to explain myself, she hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: NY
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:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me. These account need to be removed 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 2022-04-02
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Said account was paid in full when I returned equipment in person to XXXX  dealer in XXXX in XXXX. The total amount of XXXX. XXXX dollars was paid and I never received another notification stating I owed this debt until XXXX when I opened up another XXXX  account. I contacted XXXX  immediately customer service about account number XXXX XXXX when it appeared on my credit report as a derogatory collection. I spoke to someone regarding this account and have a reference number XXXX where it was settled that I returned the equipment and paid this account in full and it would not be on my credit report again. Now I have a debt collector at sunrise debt collections XXXX stating I still owe the money and it is still appearing on my credit file and credit report and it was said to be removed they State I still owe the XXXX. XXXX dollars and will not remove it from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: MS
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Tower Loan of Mississippi, Inc.
State: TX
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:
Tower loan company trying to collect a loan that I have no idea about. I informed them and they sent a form for me to fill out which they can do an investigation to see who actually cash out the check. I didn't receive any information from Them again only to know they ve sent to to credit report and now it showing on my credit. I have no idea what loan they are talking about. I never received any check from them.

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 2020-12-21
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Today XX/XX/2020, my husband and I received a PayPal Prepaid Mastercard ( The XXXX  XXXX  ) via US mail for an individual unknown to us at the address where we have resided together for the last 5 yrs. Because we are the original owners of our unit, our concern is that this person may have a PayPal Account set up in his name and is unlawfully using our mailing address in his account profile. 
I attempted to contact PayPal directly about this today XX/XX/2020. A gentleman informed me that this would be a Mastercard issue, then transferred me to the automated system of XXXX where I spent the next 10 minutes trying to circumvent their system in order to speak to a live person, who told me he would need to transfer me to the Fraud dept. He assured me that he would be staying on the line to introduce my call and problem, but after several minutes an automated voice ended the call. So I called the CFPB phone number from the MasterCard brochure, and spoke to XXXX who suggested that I file this complaint online.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TransUnion is under a lawsuit for us education everyone school loan that falls under the cares act TransUnion made mine and everyone score drop due to our school loans being out on hold for covid-19 and there is no way to speak with TransUnion to fix this I spoke with XXXX XXXX school loans and they told me TransUnion has to fix this error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I co-signed on an auto loan with Santander ( SCUSA/GATEWAY ONE ), I had to co-signed since my boyfriend at the time was what banks label as high risk borrower, however Santander accepted to finance the vehicle as long he gets a co-signer and with a little higher interest rate. Unfortunately, the loan became impossible to pay, base on our calculations 95 % of the monthly payments went to the interest and not to the principal, me and the cosigned had to stop making the payments and the vehicle was repossessed, sold and the finance company is collecting a deficiency balance. A few weeks ago, during a web search, I found there us a coalition of multiple attorney generals who recently announced a settlement with Santander Consumer, this settlement includes money in relief for the consumers and deficiency waivers. I found this settlement resolve a lawsuit that Santander violated consumer protection laws by exposing subprime consumers, high risk borrowers, to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with high probability of default. I really think my loan is part of this allegations against Santander since they put us in an extremely high risk of default with an incredible high interest rate. 
I contacted the settlement administrator and they asked me to contact Santander, I did but every time I contact them advise me, I will get a letter or notifications in my mail, but they HAD never looked for my account ; so, there is nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a 30 day late on my credit for XXXX and XXXX I have asked them to be remove and it still has not been done yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I get text messages and recorded phone calls telling me that my CHASE BANK card is locked due to security reasons. I do not have an account at this bank and never have. 

the message reads : CASE-ID # XXXX From : CHASE-BANK. Your Card is temporarily locked due security reason. For your protection, we've limited access to your online account. To restore full access to your online experience, Please click here if.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: The CBE Group, 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: Old information reappears or never goes away

Complaint:
Approx in XXXX XXXX ; I moved to another state and the new occupants did not switch over the XXXX service as they said they would. 
This debt has been in collection since XXXX and the date just keeps getting updated. 
I did not use this electricity to acquire this debt ; thus is why I have not paid it. 
The CBE GROUP has false dates as when it was opened ( XXXX/XXXX/XXXX ). XXXX does not wait 3 years before turning unpaid utilities to collections. 
I want this debt considered closed. 
The most Inwould pay is {$100.00}, not a cent more.

Company response to consumer: Closed with explanation