BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
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 is not yours

Complaint:
XX/XX/XXXX complaint to credit bureau of an account in the name of XXXX XXXX XXXX on my credit report. 
XX/XX/XXXX same account reappeared on my credit report and put in a second complaint with XXXX 

Current cease and desist at time of complaint. 

Fdcpa violations Continues to collect a debt not owed as it is not in my name and someone elses. As well as attempts before cease and desist. 

Improper contact or sharing of anothers account by phone and by mail. ( Only verification was using first name and last name and no other identification to validate debt with correct owner. ) Calls and mail collection harassment : continued calls and collection letters for a debt that is not in my name. Some robocalls or duplicate calls within a couple minutes of each other by the company in the begging of trying to collect. Even beyond the cease and desist. Current collection letter dated as of XX/XX/XXXX. And a call made on XX/XX/XXXX. 

Discussion of another persons debt by a collection company to an individual not associated with that account by phone and collection letters. 

Cease and desist with continued collection efforts by phone and mail. 

Ftc report XXXX Also filed with XXXX XXXX XXXX  and Illinois XXXX attorney office. 

Collection company removed the middle initial on collection letters in the hopes of being able to collect from anyone with that name. 

By midland credit company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Account status incorrect

Complaint:
This is a violation of U.S. code 1681i ( 5 ) Removal In accurate /invalidated credit. please remove immediately. 

I have submitted dispute for the inaccurate information on my Equifax report. The account are showing open when creditor has closed and place in collections. Inaccurate balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: PA
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 called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts will be updated. 


XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 2022-09-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I enrolled in a graduate program overseas and needed to open a special bank account in XXXX called a " Blocked Account '' which is mandatory from the XXXX XXXX. 

I made a transfer last year in the amount of around {$12000.00} last year from Chase Bank who I have been a customer with for 6 years. Then when I needed to make another wire transfer this year to fulfill the XXXX XXXX  's requirement for foreigners, Chase, without warning, froze my account. I found out because I checked my mobile banking app and attempted to transfer money to another bank account that I keep overseas while I'm here. No transfer could be made. 

When I called, they told me my account was restricted and I wasn't allowed to withdraw or transfer any money. Then when I asked why, they refused to tell me saying I'll have to wait for a letter in the mail explaining everything, then when I told them they sent it to the wrong address, they said it's too bad and I need to go into a bank to withdraw my funds. But I live in XXXX and there's no branches. Plus I can't purchase a plane ticket back to the states because they're refusing me any withdraw or transfer or purchase with my money. 

Whenever I talk to them, they're incredibly rude to me, they speak poor XXXX, and are incredibly evasive. They refuse to help me, especially one employee named XXXX who kept gaslighting me and trying to convince me that I'm crazy, I don't know what I'm talking about and that I should sue Chase Bank but not him. 

I want my money. I have over {$70000.00} of my own money that I worked hard for and kept with Chase Bank and they are refusing to give me access to my own money, but their own employees like XXXX think I should fly back to the states and pay for a plane ticket back to XXXX somehow when Chase Bank illegally froze my account without my permission or without notice. They refuse to transfer my money to another bank. They refuse to unrestrict it temporarily and let me transfer it out. 

I think from the way XXXX acted with me as well as the other very evasive and suspicious employees in the " Fraud Department '' at JPMorgan might have falted on other customer 's assets and are using my money to fill the empty assets of failed investments from other accounts. It's possible, especially since XXXX was incredibly abusive of me and suggested I wait 1 year ( when I graduate in XXXX ) until I can access my money. This os my only option at this time because Chase is refusing to give me access to my own money. Chase stole my money while XXXX laughs at me and tells me to buy a plane ticket back to XXXX knowing i dont have access to my bank account because they shut off access. 

I need to pay rent. I need to buy food. I might need a medical procedure soon that is partially covered by insurance. Chase Bank is stealing my money while XXXX bullies me and tells me there is no other option and that I should sue Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a derogatory mark on my credit report from a Simons agency incXXXX acct. XXXX and they say I owe money that is in collection. I was XXXX XXXX state property when this bill was imposed and should be paid by the state of XXXX XXXX i shouldve never been charged this and i want this removed from my all 3 credit bureaus thabk you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor on this is synchrony bank I believe it's for tires for less and it is in relation to identity theft and the new collection agency is called XXXXXXXX XXXX credit which is referring to the synchrony bank creditor which was removed already.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a violation of U.S. code 1681i ( 5 ) Removal Inaccurate /invalidated credit. please remove immediately. 
I have submitted a dispute for inaccurate information of collection agency reporting status open on a collection account.Also showing I have recent activity on when the account has been closed. The first set of dispute went out XXXX XXXX, no response.

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 2022-12-19
Company: Exeter Finance Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Exeter finance. Predatory unfair contract with late fees that are charged well before grace period policy. High monthly payments and a fluxuating over 20 % apr rate making it almost impossible to build equity. Company did not add down payment to loan and delays payments to charge maximum interest. Company also harrasses immediately buy using XXXX  calling multiple times daily to collect payments. There are lawsuits and thousands of complaints on exeter finance for fraud and unfair loan terms as well as usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received a debt collection letter XX/XX/XXXX from dynamic recovery solutions re a debt owed to XXXX. I currently have an acct with them but the acct number on the letter is not my acct number for do I have a balance with them. I called XXXX on XX/XX/XXXX to confirm no debt was owed and referred to their fraud dept where again no debt is owed. I called dynamic recovery solutions on XX/XX/XXXX to tell them I do have an acct with XXXX  but there is no balance as confirmed by XXXX  as well. I asked for the original contract with a signature, creditor information, payment history on the acct and proof of ownership. The man I was speaking with said they don't have that information. I proceeded to notify him they have 30 days to provide requested information. After researching this company it seems they are a scam of a debt collection agency trying to defraud people of debts they don't owe or debts that have expired under the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital one Savor Account said I opened up an account or authorized a person to do it. I did not. I never received a card and my credit report was changed to a different address. I'm XXXX XXXX XXXX and have been at the same address for XXXX + years. I never received anything in the mail in reference to a card. Also just yesterday another card was opened by XXXX XXXX. Neither of these accounts are mine I have XXXX credit cards of my own and a checking and savings with XXXX bank. Someone has been using my information fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a loan with Rocket Mortgage, for the purpose to payoff credit cards, At the time of closing, Tuesday XXXXXX/XX/XXXX, they informed me that funding would take place 3 days after, that would be Friday, Then Friday Mortgage agent XXXX XXXX informed me that the 3 days had to pass and that since it fell on Saturday that it would not take place until Monday. Checks to pay individual credit cards would be delivered via courier, which could have been done saturday. 
As of today Monday XX/XX/XXXX, there is no funding and all closing papers have been signed All the information has been misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NY
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:
After reviewing my account I noticed that their are two hard inquiries from XXXX XXXX XXXX that I was not aware of and did not authorize. One in XX/XX/2022 and one in XX/XX/2022 2022

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 2022-12-03
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States i have the right to privacy.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-07-03
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ), has violated my rights. 

1

5 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 2022-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Because of my XXXX, I AM GUARANTEED MY CREDIT REPORTS- BECAUSE XXXX XXXX, XXXX XXXX. & EQUIFAX XXXX. ARE TOO UNRELIABLE, INSECURE AND ALL 3 OF THESE SUPPOSED CREDIT BUREAUS ARE SO UNRELIABLE THAT ALL 3 AGENCIES HAVE SUBJECTED EVERYONE ( EXCEPT THEIR BOARD MEMBERS ) TO A CONSTANT BARRAGE OF IDENTITY THEFT. A. FOUND THAT FACT IN XXXX CONFIRMATION FROM EQUIFAX, WITH MORE INCREASING EVENTS FROM ALL 3 CREDIT REPORTING AGENCIES! THE CREDIT REPORTING AGENCIES HAVE ONLY AENT ME PIECES AND PORTIONS OF MY CREDIT REPORTS AND I DEMAND TO SEE ALL OF MY CREDIT REPORTS IMMEDIATELY! THE ORIGINAL CONSUMER. DEMANDS TJAT ALL CREDIT AGENCIES TURN OVER ALL 3 CREDIT REPORTS TURN OVER ALL THE CONSUMER 'S CREDIT REPORTS WITHOUT BEING SUJECTED TO THE CRA 'S POLICIES THAT ENCOURAGES CHILDISH GAMES WITH FEDERALLY XXXX PERSONS KNOWING THEY HAVE MANY TOOLS TO BREAK THEIR MONOPOLIES INTO A FEDERALLY PROTECTED AGENCY! SEND ME ALL MY REPORTS TO THE CONSUMER 'S PLACE OF " ABODE '' NOW. I HAVE ALREADY SENT NOTICE TO THE XXXX AND AS OF XX/XX/XXXX, MY COMPLAINTS WERE SENT TO THE FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: AmeriCollect
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:
XXXX, XXXX XXXX XXXX are braking the law! 

Under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial.

15 US Code1681b ( You need permission to report on my CONSUMER report ).

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the FALSE belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Communicating with a third party that I owe a debt is illegal!

I would also like to add I didnt give them permission to have my personal identifying information which they obtained by aggravating identity theft in accordance with 18 usc 1028A.

15 USC 1692b : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- 15 U.S. Code 1602 p ) The term " unauthorized use, '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount- {$1800.00} My one year and I are experiencing hardship of the illegal practices that is reporting on my CONSUMER REPORT and financial distress. I feel validated! We are homeless and have no where to stay due to this matter.

I am DEMANDING you to remove these collections accounts!

for Improper use on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Shellpoint Partners, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am reaching out on the behalf of our mutual customer, this letter below i sent to Shellpoint and they have yet to respond. I have called more times than I can even remember at this point. They keep telling me that they can not write me a letter stating that they ( shellpoint ) will in fact release the lien on the front of the Mobile Home title even though it is not Shellpoint, it is XXXX XXXX  XXXX XXXX XXXX. This is a major problem, because the lender will not move forward with the loan until they assure us in writing that they will pay off the loan in which they have already sent me a payoff statement for as well. 
Can you help me?????? 

We have been working for several weeks to get this closed for the Hulls, the problem we have run into is that the front of the original MH Title that you have in your possession has the lien holder as XXXX XXXX  XXXX XXXX XXXX. 
I really hope you are able to help me, so this deal does not get terminated. 
XXXX XXXX  who is the buyers lender wants something in writing from you ( Shellpoint ) stating that once we pay off the loan referenced above with the payoff statement you provided attached, you will then sign off and release the lien from XXXX XXXX  XXXX XXXX XXXX that is on the front of the MH Title. I sent them the payoff statement that I received from you for the loan, it is still not enough to satisfy them. When I called Shellpoint, you offered to send me the welcome letter you got from XXXX, but again XXXX XXXX  said that would not satisfy their concern as to one we pay Shellpoint off that Shellpoint will sign off the lien from XXXX XXXX  XXXX XXXX XXXX and send the original MH Title to us to finish the cancellation of XXXX  XXXX. 
If you have any questions or any advice to help, PLEASE contact me. We are running out of time to get this deal closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation