BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your recent response to my concerns as outlined in your prior CFPB complaint response case # XXXX. I would like to dissect and highlight a few areas of concern in your response as follows. 

Midland : An investigation of this matter indicates that we became the servicer of the above-referenced account on behalf of purchaser, Midland Funding , LLC ( Midland Funding ) on XX/XX/2017 Concern : Attached response from XXXX XXXX indicates that you are not just the servicer as youve deceptively identified in your response, they in fact sold this alleged debt to you on XX/XX/2017. The term sold means that the original creditor is no longer associated with alleged debt. Authorization was never provided by myself the consumer to grant authorization to release my information in this transaction where Midland purchased the alleged debt. 

Your company Midland Funding LLC is in clear violation of the law!!!!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The experience would equate to the alleged debt which was never owed to you as there was no contractual agreement with Midland. 

Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in further escalation to include but not limited to legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful I look forward to receiving your response and hopefully no further escalation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: IN
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 mailed in dispute letters to XXXX, XXXX  and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.

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 2021-10-26
Company: Paypal Holdings, Inc
State: WI
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:
On XX/XX/2021, I got an email from PayPal stating I needed to provide more information to them for my paypal account which was hacked months previous after I was locked out and couldn't get in. my paypal was hacked. 
Paypal is harassing me and claiming i haven't responded to them. 
well i haven't gotten any notice from them for one all my numbers changed. i moved from XXXX XXXX to XXXX XXXX for XXXX  reasons and my address is now confidential they only have a right to my mailing address by state law. also also i am not a XXXX  a XXXX  so they can stop on behalf of XXXX  sending emails to XXXX ok. my alternative email is XXXX and my main email is XXXX is my current phone number is further is the complaint that should be linked to my paypal so i can reset my password and get into the account should be remove all other number there are not mine or are old numbers. ive already summited my identification but will do it again if i have to. on the next page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Capital One notified me via email of a transaction from XXXX XXXX ( my landlord ) in the amount of {$6500.00} that was submitted and rejected on XX/XX/XXXX. According to my balance on XX/XX/XXXX, I had {$8500.00} in that specific account. The landlord 's ledger also showed that the transaction failed on XX/XX/XXXX. 

Because the transaction was rejected despite having available funds, my landlord has begun the eviction process and charged a {$300.00} fee as a result of late payment. I reached out to Capital One over the phone on XX/XX/XXXX at XXXX XXXX  ET and offered to show them the balances they said I had, as well as a screenshot of the ledger from the landlord and to credit me the {$300.00} fee but they said there was nothing they could do. 

I had enough money to cover an essential transaction, Capital One rejected it, and is taking no responsibility to help remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had attempted to open an XXXX credit reporting app. There was an account opened in my name at Synchrony Bank for XXXX. I have never applied for a XXXX account. I dont know or understand what XXXX is or what it is used for. I made several attempts to speak with a human at Synchrony and the system would not allow me to because I did not know an account number. However, according to XXXX there is a {$1500.00} credit card or line of credit. I NEVER applied or requested anything from XXXX. I want whatever it is that is in my name and under ss # expunged.

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 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I have these items that are not mine and i want them to be remove from my credit. 



XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX 1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
disputed with the three credit bureaus and transunion and experian have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$8400.00} Theft XXXX  Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$1400.00} Theft XXXX  Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number :

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 2021-07-14
Company: Thrivepoint Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im contacting CFPD to notify you that I feel I have been defrauded from the Renovate America Heros Pace Program. I recently had a roof installed and the contractor did a nice job. However, I have not received any communications from the Renovate America Pace Loan program. No calls, no mail, no email, no statements, nothing. When I called to inquire about this, I was told that Renovate America Heros Pace loans have filed for bankruptcy and have sold off my original loan. When I called the new company that has now has my loan, the new company has completely changed the terms of the loan I had originally signed with Renovate America. I was then told by my local county that Renovate America filed a tax assessment against my home but now since they are out of business, the new loan service, has changed the terms without my permission. Lastly no notice of completion was filed with my local county tax office. RenovateAmerica also failed to record loan docs at the county level so my county officials have no idea why I have this huge tax assessment on my tax bill. The county tax office gave me a phone number to call but the phone number was for Renovate America and was a non working number.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-14
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021Franklin Collection Service called about XXXX XXXX, I said that item has been taken care of and I have specifically said to not be harassed about it anymore. The Represenative told me to go XXXX  myself. I am represented by an attorney, no lawsuits have been filed as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my phone was hacked Someone claiming to be XXXX  support told me my phone had been breached by a XXXX  IP address. ( which when I checked into my settings a XXXX  IP did show ). They had my full name and address, my XXXX  ID, and the fact that I banked with chase. I believed it was XXXX  support, they had access to my phone through an app called XXXX XXXX. Which is a procedure XXXX  support uses, they asked to confirm that I could not XXXX any money out which I did to a dummy email of XXXX . About 2 minutes later I realized XXXX $ was taken from my account. A XXXX  payment of XXXX  $ and XXXX  . At that point I knew what was happening. I still had " XXXX  support '' on the phone and told them to return my money Now! They promised me that they didn't take it and they would send me an email stating the money would reflect my account and be sent back to my chase checking account. I did receive this email on XX/XX/XXXX ( within 10 min of me asking for it ) but I kept them on the phone as long as I could about 10-15 min went by that's when I called chase and went to my nearest chase branch. I explained what happen and changed my banking accounts on the spot. I attempted to file a claim but they were basically telling me because it was a XXXX  it was not considered fraud. I would need to call XXXX, I attempted to call XXXX they stated because I have XXXX through my bank they could do nothing for me I would have to go back through Chase. I attempted for two days to file a claim and sat on hold for 2 hours each time and no one ever picked up. I then filed a police report because that's what my chase teller told me to do. I filed with proof of emails that the money would be returned from the suppose " XXXX support '' I proceeded the next day back to my local branch where they tried to escalate a claim to the claims and fraud department, we waited for four days. I finally received a response from claims stating they will not acknowledge it as fraud and they refused to file a claim or look into the claim at all. That basically I had to deal with the fact I was scammed of XXXX . Does the Electronic claims act not cover this? How could my own bank not protect me from things like this. How could the banking system offer XXXX if there is no protection in place? The bank cant help me nor can XXXX, that's a scam in itself! The way I was treated and handle from the claims and fraud department was disheartening. They wouldn't even look into what happened, or take a copy of the police report, or the emails stating that I was supposed to have the money returned to me. I will be removing my money from this bank and I would suggest you look into the XXXX process as it is not a safe way to handle money electronically. It should not be offered if no protection is to come with it. I will be escalating to other platforms as I will not rest until CHASE and XXXX do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: CA
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:
This is XXXX XXXX, I received my credit report from XXXX and there are several hard inquiries that are not mine I tried to dispute them thru XXXX and they stated to contact credit company which they came from I did and they stated they could not remove them here is a list of erroneous hard inquiries on my account : XXXX XXXX XXXX Dates : XXXX, XX/XX/XXXX & XX/XX/XXXX. 

The Home Depot/Citibank XXXX. XXXX XXXX Card. XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX. XXXX Dates : XXXX & XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX I became aware of this today XX/XX/XXXX I have an account with XXXX  and they refer me credit cards to apply for I tried to apply for XXXX XXXX and was denied I have good Fico XXXX I called and spoke to XXXX at XXXX XXXX about denial and he said to many hard inquiries and I noticed all these that are not mine. I tried to dispute them with XXXX stated can not be done online contact company which I started to do and was told they could not remove them? I do not know how to get them off my credit report please let me know if you can help me or what I can do to get them removed. I also tried to call XXXX with no luck robo call could not transfer me to customer service phone numbers I tried XXXX and XXXX. 
Also I had a Fraud Alert on credit report and disputed it with XXXX to remove it they updated it instead to read : UPDATED ALERT/XXXXXXXX INQUIRY DATE XX/XX/XXXX I have tried to have that removed from credit report and have not been able to? 
If you could have that removed so I do not have any alerts on credit report that would be very helpful. 

I apologize for any inconvenience I have caused you but I want to purchase a home soon and I am afraid with all these hard inquiries I might not qualify for a mortgage even though my Fico score is good. 
Thank you, 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 2018-11-28
Company: NCC Business Services, 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:
NCC Business Services is calling my cell phone about a debt owed by someone else. They keep saying " If you are? ( can't make out the person 's name ) press 1 to speak to a customer service rep. '' I am not the person mentioned and can't understand or hear what the person 's name is that they want to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Company Involved : Experian Reporting Agency.

Date : XX/XX/2021 Disputed items : Two fully paid accounts still showing on my credit history. Experian reporting Agency is not willing to delete those two collection accounts on my credit history.

Payment receipts and confirmation numbers of the two company ' have been provided to Experian company.

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 2018-01-27
Company: Experian Information Solutions 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:
This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 2020-06-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am disputing identity theft for more than a year now .I sent hundreds letters and this incorrect information is still on my report. 
I dont understand how is that possible!!!!!!!!!!!!!! 
Please see attached documents. One of this document is affidavit from my step son that he used my information without my authorization. 
and its still on all three Credit Bureaus Reports.

Company response to consumer: Closed with explanation