BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One has an inquiry on my credit report for an denied credit card ( XX/XX/2018 ) that I personally did not APPLY for. I disputed the inquiry with Capital One and the 3 major credit reporting agencies. They all give me the run about without an investigation. This is highly damaging my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They a In XXXX this year I received notice from XXXX  that a claim had been put against my credit. And a message stating they had blocked an attempt to access my account. Some time later I disputed the claim made by Midland Credit Management. They then sent me a form to fill out about disputing the claim & a phone number XXXX, to call with any questions. 
When I called the person that answered ( XXXX ) could not speak English well enough for me to understand. At that time I asked to speak to someone that could speak better English, and was told he was in XXXX and I would have to call the United States. He then gave me what was supposedly the U.S. office phone number XXXX. When I dialed it, I was told it was an unassigned phone number! ttached the supposed bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX ropossessed vehicle around XXXX OR XX/XX/2019. The remaining balance about XXXX was charged off and sold to Fidelity Creditor Services around XX/XX/2019. Credit report show Fidelity Creditor Services as collection  agency actively attempting to collect on debt. Report shows XXXX XXXX as the original creditor. XXXX XXXX also shows the balance which every month continue to increase as owed to them on credit report. These items have been disputed with XXXX, and XXXX, for about 5 months. Both companies send back the balances and accounts are validated and accurate. It is my understanding that a consumer can not owe 2 companies for same debt/ accounts. Fidelity currently shows balance of XXXX, and XXXX shows balance of XXXX. This balance continues to increase. One account is showing on credit report twice under 2 different companies increasing debt to over XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions 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:
There are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts from my report. You have replied that it wasn't me when I have made previous disputes. So, I have provided proof of ID. It's terrible that I always have to go through with this with this company. Please help! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: AMERICAN EXPRESS COMPANY
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:
Hello, So I received an email from American Express stating I was enrolled in a {$0.00} dollar plan it fee that expired by XX/XX/XXXX at XXXX MST. I called on the XX/XX/XXXX to verify that I was eligible and was good to proceed with purchases. I made one on XX/XX/XXXX for {$320.00} and was able to have no additional fees to pay it off. I made another purchase on XX/XX/XXXX for {$2100.00}. I went to create a plan for it, and I was being charged an extra {$370.00} to create a plan. I called and spoke to them and they said I didnt met the deadline which was XX/XX/XXXX and that I shouldnt have made the purchase. When the clearly it has already been placed on the XXXX and processed by the XXXX. Their only solution was to contact the seller and cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my 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 2021-03-26
Company: EQUIFAX, INC.
State: OH
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 have filed a dispute with Equifax regarding XXXX XXXX XXXX, XXXX XXXX derogatory mark in regards with incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/XXXXand Transunion continue to publish inaccurate credit information. This has become detrimental to my employment in the financial segment. There are not one but 2 bankruptcies on each report that have been dismissed due to being filed erroneously or discharged incorrectly. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must Be removed by law immediately from both the transunion and XX/XX/XXXXcredit reports!

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 2021-07-18
Company: JPMORGAN CHASE & CO.
State: GA
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 several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX XXXXs the only bureau that removed the inquiries. XXXX and XXXX have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not my Loan ' and do n't know the person ' they 're asking for

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management has been sending me collection notices for a debt that isn't mine. I have written and asked for validation and copies of all statements. Each time I write they write back and say that they don't understand what I am asking for. It's a delay tactic to cover for the fact that this is an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within

thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ...... has violated my rights 15 U.S.C 1681 sec 602 A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

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 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 in accurate.

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 2023-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company has kept multiple ACH transactions from my customers without my authorization. A previous complaint was filed in XXXX in which I was told ACH transactions should not be placed on hold. 

Dates and the amount of the transactions are as follows. 

XX/XX/XXXX {$140.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My previous CFPB complaint ID is -XXXX. ( XXXX ) -XXXX. ( XXXX ) -XXXX. ( EXPERIAN ) Also, XXXX XXXX Account Number : XXXX CFPB Case Number : XXXX I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter from XXXX XXXX on XX/XX/XXXX. 

They told that In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your XXXX XXXX account to reflect it as Paid in Full ''. 

But after 30 days I looked at the credit reports for each agencies and found out that they were still not yet correct. 

Please, refer the following statements to my previous complaints. 

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}.

*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN , " Completed investigation of FCRA dispute - consumer disagrees '' AND XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX " Account paid for less than full balance. '' Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Exeter Finance Corp.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am reaching out regarding my rights according to the Fair Debt Collection Practices Act, Specifically Section 806. Harassment or abuse.

Under Line ( 5 ) it is stated : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number would be violation of this section. 

I feel that I have been continuously abused, and harassed by Exeter Finance, the lender currently holding the lien on my XXXX XXXX XXXX. Below, I will show the numerous phone calls I receive within a month. Using different phone numbers, calling 2-3 times per day within 30-minute intervals each time. 

Under the Debt collection rule collectors are presumed to violate the law if they place a telephone call to you about a particular debt more than seven times within a seven day period. 

The increased stress from these harassing practices has a hindrance in both my daily life, and mental health. Which in turn makes my ability to faithfully repay my loan rather difficult as I feel constantly under pressure by Exeter Finance. 

From Friday XX/XX/XXXX XX/XX/XXXX they called 9 times in a 6 day time frame. ( Considering they are not able to reach out on Sunday, potentially 5 days. ) Each of these phone calls were placed within 30 minutes of each other. 

On XX/XX/XXXX I was called 4 times, first at XXXXXXXX XXXX, XXXX, XXXX, and at XXXX EST. XX/XX/XXXX I was called at XXXX, on XX/XX/XXXX three calls were made at XXXX, XXXX, and XXXX. Resulting in 8 phone calls within 4 days. 

Below I will show my call logs, which will show the number of violations against my rights according to the Fair Debt Collection Practices act. 

As evident in the video attached, this is a reoccurring theme throughout the loan with Exeter Finance, breaching my rights numerous times. 

They have also been contacting my mother, who is not involved in the loan, so that would add to the excessive phone calls placed to collect my late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX IS FALSELY REPORTING PUBLIC RECORD FOR XXXX XXXX XXXX BANKRUPTCY XXXX.SEE ATTACH.

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 2021-07-18
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:
XXXX XXXX had sold my debt from account ending in XXXX to the debt collector " XXXX XXXX XXXX  '' at some point after my account had closed for non-payment. Finally being in the position to be able to pay my debts back and work on my credit, I negotiated a settlement with XXXX for {$270.00}. I paid this on XX/XX/21. I had called every single day to get some sort of email confirmation of this, and every day they had told me that it would be sent within 24 hours to my email address. I then finally received this " receipt of payment '' on XX/XX/21 after having called three times. In every conversation I have had with them on the phone it was made clear this debt was settled. I then disputed this debt with the tool on XXXX XXXX, which I believe is linked to Transunion. It then said it resolved my dispute, but that 83 % of the balance limit on the account was still unpaid. Thus it said it's investigation concluded that despite paying {$270.00} to settle, I had only made a partial payment and still had an unpaid balance of {$410.00} on my closed account. I disputed this a second time to no avail. If they could obtain the information of the amount I had paid, then the information that it had been settled could have also been obtained if it had been reported honestly as to the settlement agreement made. This is not a unique situation with debt collectors and I believe I am victim to deceptive practices regarding obtaining payments.

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