BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: ENCORE CAPITAL GROUP INC.
State: MO
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 applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to XXXX XXXX XXXX XXXX I spoke to Midland Credit Management and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. 

I have in the past requested documentation with no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay the balance of the bill of Capital One business card on due date the XXXX of every month and they still charge me Interest but they tell me I don't pay it till the XXXX something is wrong with their system I've called numerous times to resolve the problem to no avail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I've previously made two payments in the amount of {$450.00}, however I find an interest rate of XXXX  % too extreme. I know this is a { 12 } month short term loan, but I find that this rate is extremely high. XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There appear to be some hard inquiries that I did not incurred. In fact, I have contacted the original creditor, and for some reason they have no records of this inquiry ever been posted. I have already disputed the account with Equifax, and they do not want to comply or remove it from my report. 
Inquiry name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX # XXXX, AND XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-05-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Original Complaint - was dismissed through this portal, and no action was taken. 
It is being repeated because, the account is inaccurate. 

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. 

The XXXX XXXX Tradeline 's XXXX XXXX Should be " Closed ''. It currently has XXXX - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate - You display XXXX, and the report shows XXXX. The comment say, XXXX - which is wholly inaccurate. 

Please look at both screen shots from your product. 

XXXX XXXX would have communicated that this account is CLOSED, as it published a Closed date and at the Consumers Request - in the comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My social security number is showing my sons social security number as my own I have tried 6 times to resolve this mixed up issue with all credit reporting agencies, I have Faxed, called and paper mailed copies of my accurate personal info. to mixed department disputes with a bold heading " Update Personal Information '' Equifax, XXXX ; XXXX. Without any corrections being made in spite of my ss card copy my pa license copy and my 2016 XXXX copy. The only response I was sent was another request to verify my personal info. asking for the same Id verification items. This is frustrating, as my son is only XXXX and is just starting out fresh with his credit building. I am just insisting my correct ss number is changed to my correct number! Please help! 
Thank you for your time and concerns regarding my problem XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the Equifax on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I spoke with XXXX XXXX XXXX ) this morning to get an on-line copy of my credit report due to numerous errors. XXXX claims he could not send report on-line it has to be mailed. I advised XXXX that he was a liar because each time I can get in contact with Equifax ; they send the report they way I request it. I hung up on him and tried to do a dispute on-line, it states my information is wrong and to fax dispute via XXXX. I know most of the information on my file is incorrect that is why I am fixing it hopefully for the last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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:
I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/21 and XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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 2022-09-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase uses an deceptive system of charging interest. When statements come, they have an amount due on the statement. If the amount is paid in full, by that due date, they continue to charge interest so that a person believes they have paid it off but more interest is posted when the next statement comes out. Failure to catch that would result in late fees and additional interest. A reasonable person does not expect to be charged further interest when there is an amount in huge, bold letters on the statement that says it is the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: NATIONS DIRECT MORTGAGE, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Nations Direct Mortgage , LLC. The loan number is XXXX, the property address is XXXX XXXX Ct, XXXX, MD XXXX. 

Nations Direct Mortgage is the loan originator and servicer, the lender is XXXX XXXX 

I am filing complaint against the loan servicer, Nations Direct Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Their customer service number is XXXX Facts : 1. I filled mortgage forbearance for the loan in XXXX. 
2. I received a letter from Nations Direct dated XX/XX/XXXX. In the letter I was told that youre approved for a Trial Period Plan to modify your mortgage payment. During this trial period plan, you will be required to make three monthly payments in the amount of {$2900.00} each. 
3. Since then I have been paying {$2900.00} monthly until this month, XX/XX/XXXX. 
4. I called Nations Direct many times asked the final modification of the mortgage. The first call was on XX/XX/XXXX, I was told that Nations Direct would send formal modification document after the trial period. The last call was on XX/XX/XXXX, and I was told that the modification was still under review. 
5. Around XXXX, XXXX, Nations Direct reported to credit bureau a negative record for this loan, significantly damaged my credit, this record is groundless. 
6. Early this month, I sent a letter to Nations Direct via US mail, asked Nations Direct for ( 1 ) remove the groundless record from credit bureau. ( 2 ) Finalize the still under review process.

7. Today, I received a letter from Nations Direct, notified me appraisals developed in connection with a loss mitigation application. 

I am filling the complaint and want 1 Nations direct finalize review for notification process, approve or deny, and give me the reasons.

2. Remove the negative and groundless record regarding this loan from credit bureau.

Thank you XXXX XXXX XXXX XXXX Ct XXXX, MD XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I sent a letter to each credit reporting agency requesting a full and complete credit verification. Several things happened, XXXX completely stopped reporting my credit and my credit file with them has not been updated since XXXX. Also, Midland has 3 collections reporting that have not be verified and are also a violation of my consumer credit protection under 18 USC 894 which reads ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under Midlands reporting is also against the CFPB suit against them as listed here The Bureaus complaint, filed in federal district court in the XXXX XXXX XXXX California, specifically alleges that since XX/XX/XXXX, Encore and its subsidiaries violated the consent order by suing consumers without possessing required documentation, using law firms and an internal legal department to engage in collection efforts without providing required disclosures, and failing to provide consumers with required loan documentation after consumers requested it. The Bureau also alleges that the companies violated the consent order, the CFPA, and the FDCPA by suing consumers to collect debts even though the statutes of limitations had run on those debts and violated the consent order by attempting to collect on debts for which the statutes of limitations had run without providing required disclosures. 

On or about XX/XX/XXXX, these three Midland collections were listed as closed and removed from XXXX and XXXX. On or about XX/XX/XXXX, they all reappeared. This is a violation of 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have NEVER given Midland authorization to report anything on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Equifax XXXX XXXX XXXX XXXX- XXXX two times XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX- Equifax XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX YOU BROKE THE LAW!!! 
XXXX XXXX XXXX Ct. XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute After recently reviewing my credit report, I noticed several inconsistencies regarding the account ( XXXX ) ( XXXX ). The payment history and name section are reporting differently to Experian, XXXX, and XXXX. You have violated my consumer rights. 
Experian is reporting on time payments for XXXX, XXXX, and XXXXXXXX XXXX XXXX, then I voluntarily surrendered XXXX XXXX XXXX. XXXX is reporting on time payments for XXXX, XXXX, XXXX, and XXXX XXXX XXXX. Its reporting 30 days late for XXXX XXXX, 60 days late XX/XX/2021 and 90 days late XX/XX/2021. In XX/XX/2021 its reporting 120 days late and in XXXX its reports payments 120+ days late. Followed by another on time payment in XX/XX/2021, then another 120+ days late in XX/XX/2021. XXXX is reporting that I have no payment history. 
There are also inconsistencies in the name thats reporting to the different credit bureaus. Experian and XXXX are reporting that it is XXXX XXXX is the account name. While XXXX is reporting that the account name is XXXX. Pursuant 15 USC 168b ( a ) ( 2 ) I never gave written consent to you to furnish anything on my consumer profile and you have violated my rights to privacy.

These accounts appear to be furnished by the same creditor, so why is the provided data different thats reporting to the credit bureaus. It is your duty to ensure that all information that is reported is consistent and most importantly accurate and you have failed to do so. Pursuant 15 USC 1611 false and inaccurate information willing and knowing. The CFPB will get a copy is this dispute as well. These inaccuracies have damaged my reputations with banks causing me hardships I wish that these inaccuracies be deleted immediately because banks and financial intuitions are reliant on fair and accurate reporting. Pursuant 18 USC 8 if such alleged does exists it is the obligations of the United States. I hope that you guys respect my consumer rights without prejudice

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 2015-10-21
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
RUSHCARD - On XXXX XXXX, 2015, Rushcard underwent what they called a change of systems. The change was not to affect customers ; as of today, XXXX XXXX, 2015, 2 business weeks later, the problem still exist ; the inability to access my account. I have not been able to speak with any representative, and when I did, I was told they could n't get into the system either. I feel that an inside theft has occurred with customer funds, and someone walked away with XXXX dollars that did not belong to them. I feel as though XXXX are responsible. For the past 2 weeks all customers have heard are excuses, and we will see our funds in our account overnight ; well there have been a lot of overnights to pass by, and yet still nothing. Please help, many of us who are customers are Seniors receiving Social Security Funds, and our money is gone. Please help or direct me to whom I should contact regarding this problem. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to XXXX  asking for : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail ' so that there is an independent " witness to it having been delivered. '' However, according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2015-10-31
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Scottrade, CFPB, and Others, I am the mother and joint account holder of a custodial Scottrade account. I recently wrote a letter to Scottrade asking questions about the custodial account. It appears as though Scottrade did not even read the letter because rather than addressing a response to me, XXXX XXXX XXXX XXXX, Scottrade wrote the the letter and instead addressed my son XXXX XXXX XXXX XXXX and did not address the issues that I raised in my letter. 

I would appreciate if Scottrade could read and address my concerns brought by both myself and my son.

Company response to consumer: Closed
Consumer complaint received 2016-06-30
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
National Recovery Agency XXXX keeps calling my cell phone to collect a debt. I have no idea who these people are. I receive 4 to 5 calls daily, sometimes they hang up when I answer, other times it is a pre recorded message. I once talked to a gentleman and he proceeded to tell me about this debt I owe ( not knowing what debt it was ) all before verifying who I was and getting the information. I have requested numerous time to send me in writing the debt that I owe. When I talked to this man I asked him if they ever notified me by writing or sent me confirmation of the bill and he said they sent a statement XXXX of 2015. I then told him that was a year and a half ago and I have received nothing. When I asked why he had not verified who he was talking to before going into length about this bill and amount he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX 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 instructions15 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.

Items have been previously disputed requesting validation documents and information was not furnished. In fact 2 of the items listed had actually been deleted and reinserted without prior notification which is a violation as well.

Company response to consumer: Closed with non-monetary relief