BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of XXXX. I cant get Hired with these collections.

Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of XXXX I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? and they called my Daughter and her boyfriend also a Co worker who I have not seen sense i was fired. Im dying out here help me get this deleted again. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-07
Company: Upstart 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:
Upstart loan was paid off in full in XXXX of 2022 but it still showing on my XXXX credit report as active with an open balance of {$1300.00}. 

My account on Upstart is showing that the loan has been paid in full, but this hasnt been reported to XXXX XXXX properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: U.S. Auto Credit Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The loan was fradulent from day one when purchased. The car was previously wrecked and unreported at the time of sale. They resold the vehicle to me after it was repoed from another consumer with the same mechanical issues from the previous wreck. Also the amount financed at the beginning was changed after the sale to a higher amount. I was offered a lower balance after I kept experiencing the same mechanical issues which were alignment, transmission issues which the transmission eventually went out and the company agreed on a settlement offer of {$2000.00} due to the fact that the car was unoperable at the time of voluntary giving back to USAuto credit. I made 26 of the 36 months payments. And they sold the car for more that 100 % of what they financed it to me for. Which makes this company a fraud because I had a balloon insurance that I purchased at my initial financing in case of engine, transmission or major mechanical issues malfunction. And US auto credit would not honor the contract to pay their portion of the fees to restore the transmission. US auto Credit forfeited the contract to make another sale to a new blinded consumer to prevent all costs of helping me repair the transmission by reselling the vehicle again making it a third or fourth sale to a new consumer just the same as me. In addition, they have reported ( 3 ) different balances which are contradictory to XXXX XXXX and XXXX A family member has all his credit card receipts of payments made totaling in excess payments made to this account which was requested to turn my car back on and off due to the tracker that was installed on the vehicle. US Auto credit took advantage of the situation when they altered the balance reporting untruth to all credit bureaus. And my XXXX XXXX who is a XXXX XXXX, another with XXXX XXXX, and myself with XXXX XXXX have been denied rental Propertiess as a result of USAuto repair scam and of repeated repossessions to new consumers on this same mechanical issues. A family member has made over {$3500.00} to US Auto Credit using his credit card. And he is willing to take them to court because they are a fraudulent for not including the payments he made in the balance that they have reported. And the account number is XXXX They sold the vehicle for {$330.00} Date Sold XX/XX/2919 XXXX number XXXX Auction - XXXX 's XXXX XXXX XXXX  However, they are reporting XXXX to all credit bureaus. 
Also Im reporting this to every social media and willing to go public including on linked in. Because they were supposed to fix the transmission which was included in the balloon insurance that I purchased for repairs. And just decided to not fix it and sell it. And charge me a ridiculous price at the expense of my family well being.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX reports on my credit bureau as active with a balance owing by me. I dont have any credit card from the company and they were unable to find anything about me so its opened fraudulently

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 2020-01-26
Company: Reliable Credit Association, Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2015 reliable credit associat Claimed that I owe them {$4600.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. 

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature.

I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.

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 2021-12-23
Company: DISCOVER BANK
State: NY
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 XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the DISCOVERBANK account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

( DISCOVERBANK XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: NY
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:
15. USC 1681 Section 602 A. States that I have a right to privacy. 

XXXX -ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION XXXX # 5341**** 15 USC 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15. USC 1692 CXXXX Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15. USC 1681 N. Civil Liability for willful non-compliance. 
Any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Experian Information Solutions Inc.
State: WI
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:
Experian, XXXX and XXXX are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's remove, they say will not do. Sent me nothing to substantiate account.

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 2022-01-29
Company: EQUIFAX, INC.
State: CA
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had repeated problems with the US Bank Platinum visa card and trying to effectuate payments. I am very upset as I am on the phone with them right now on the phone with XXXX at the call center in XXXX XXXX Kansas. When I told her I may obtain and attorney, she told me that US Bank automatically puts the word Bankruptcy with the word attorney. I am very upset as I never stated that I was going to declare bankruptcy. I explained to her that I had repeatedly tried to effectuate payments to them. I tried online and they shut me off and would not let me online. I tried over the phone and they put me on excessive hold times and would disconnect me. The system would say that I would have to speak a person and I could not get a hold of the person. I was told that one an account is a " dollar short or a day late '' than customer service can not deal with the account. I had excessive hold times and was repeatedly disconnected and actually had payments refused by the customer service representatives.

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 2022-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( XXXX ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX  XXXX XX/XX/2023

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( 1 ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.

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 2022-02-04
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today date Comenity Bank closed an account I am using for lack of use. This cause my credit rating to plummet by XXXX points. I am being punished yet again by action not of my own making. This seems outrageous and unfair. The credit says they can do nothing unacceptable!

Company response to consumer: Closed with explanation