BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX I received a copy of Memorandum of costs after Judgement and declaration of Accrued Interest in the amount of {$2800.00} ( interest ) Plaintiff : Midland Funding LLC VS : Me with a case Number which I was in shock to receive in the mail. I called the number on Document to get information regarding notice, I was told a judgement had been filed and account is a legal matter and if I want information I can obtain it by going to the courts for file. I told the rep I know nothing about this!! All they said was to pay and/or they were in a process for garnishment?? Immediately went to the courthouse for copy of the entire file. Midland Funding filed a XXXX XXXX civil case for the amount of {$5900.00} On XX/XX/XXXX. Unbelievable, it stated that Midland had purchased debt from XXXX in XX/XX/XXXX and they have the right to collect in its place as the original creditor. I do not recall ever having an account with XXXX ending in ... XXXX. I had one credit card with them acct # ending in XXXX that I had settled and was given a XXXX for the difference in the balance. I am in good standing with XXXX and i do n't believe this debt is valid because XXXX is my auto Loan carrier and if I had a outstanding debt with XXXX I do n't think XXXX will provide me with a loan if I had bad debt with them. I was never served as stated in the proof of serviceXX/XX/XXXX. After researching XXXX XXXX XXXX XXXXr and address it turns out that it is a Printing Shop that has been there for 21 Years and no one by the name of who served me works or know of that name. XXXX # is not found in XXXX. Does this person even exist??. Midland was granted a XXXX Judgement against me XX/XX/XXXX based on Failing to answer Complaint of Midland.. I was never served regarding the Judgement!! The court allowed the default judgement without proper validation of the debt and was honored only because I did not respond and assumed valid per Midlands request. Only documentation provided was a Copy of a statement without any transactions or last payment information and a AFFIDAVIT of an employee in support of Judgement that just says that she has reviewed and has access to records and account and a witness of accuracy. So if that 's the case why was n't any contracts, agreements or sales slips of purchases provided to prove the debt?!! It is crucial that they prove that this debt is in fact my obligation with proper documentations according to the law and my rights To refer Consent Order CFPB-XXXX Filed XX/XX/XXXX Midland is not complying with the terms of the settlement with CFPB. I am requesting that Midland move to Vacate Judgement Immediately if they do not fully validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NJ
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 These Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

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 2020-02-26
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company numerous times requesting back up documentation of a debt they are reporting on my credit which I have no knowledge of, all I am being told is the amount owed and that it has been verified as me, HOW? Where is my signature or back up documents? ... .this is a result of identity theft, I have also disputed with the credit bureaus and they have not gotten anywhere as well. I am asking for this company to provide valid VERIFIABLE proof with my signature to confirm this debt, if they continue to not do so I am requesting to have them remove this debt from my credit that they have been falsely reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I have a balance on my XXXX XXXX American Express card of approximately {$10000.00}. I have been late on payment in the past, but not severely late. I now find out that they are charging me 29.9 % interest on my remaining balance. That rate far exceeds the criminal usury rate in New York as provided in XXXX XXXX XXXX XXXX. 

I called XXXX in the hope that they would agree to some reasonable rate of interest until I could pay of the balance. They declined to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with Citibank regarding a charge for {$5700.00} to XXXX XXXX XXXX XXXX in Kentucky. The business installed the upholstery on a classic car. The job was so badly done that within three months the headliner came down, the seams were coming apart, the rubber seals were coming unglued. I informed Citibank that I was disputing the charge in XX/XX/2020. The bank removed the charge from my account while they were investigating. In early XXXX, the bank resolved the issue without informing me of their decision. I called them and sent documents and receipts and photos to support my dispute. I sent them emails and etc which they did not respond to except to call me on the phone that my balance was past due. The bank has also put the disputed amount plus interest and late payment penalty to my account. This was done without resolving the issue at hand. I kept calling the Dispute Department and each time, the phone goes dead. No one answered my call. However, I received another message by email saying that the dispute is still open and so, I replied insisting that they remove the charge from my account along with the interest and late payment penalty. 

In the meantime, I photocopied photos of the shoddy work and the messages that the business and I have exchanged from the time my complaint against their workmanship to the present and sent these documents and photos and receipts by mail to the bank. I am hoping that they have received these documents since they have not obviously read or even viewed the photos that are so evident of the work that was performed on the car. 

I am still waiting. I am attaching copies of emails that the dispute department and I have exchanged in relation to this dispute.

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 2021-07-24
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 information incorrect

Complaint:
Transunion is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.

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 2020-02-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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: Problem getting your free annual credit report

Complaint:
This complaint is with regard to TransUnion LLC. I tried to get my free credit report online on XX/XX/XXXX. I was denied and was informed that I would have to submit written proof and photocopied documents to the company in order to get my report. The time involved, the materials that I would have to gather and copy, and the postage cost does not make this annual report free. It has become instead a great inconvenience. 

Needless to say, I won't be sending these materials in the U.S. Mail, where they could be intercepted, stolen, or lost.

My complaint is that my husband was able to get his free report online from TransUnion a couple of days earlier. We have lived in our current home for the past twelve years. Our shared financial accounts date back to XXXX. In past years, I have had no problem with TransUnion and receiving a free report online. Why now does it no longer work with TransUnion?

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 2020-02-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my reports, there are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated and corrected immediately : XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I own a business and have used BOA credit cards for myself and my employee. I have a {$25000.00} limit on my card and my ex-employee had a clearly identified spendable maximum limit of {$5000.00}. He has been exceeding that limit and last month he spend over {$12000.00} on the card which as a {$5000.00} limit. BOA takes no responsibility at all for this excessive overuse of the credit card limit which they approved. This employee has since left the 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 explanation
Consumer complaint received 2018-06-03
Company: CURO Intermediate Holdings
State: IL
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:
This company has falsely coerce me into the store location when I confront it the manager about the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the bank account information they can not process my application or accepted the manager then did not give me back the application and was very disrespectful and had security escort me out of their place of business that security officer make several demeaning disrespectful comments to me he I feel even put my life in danger by holding his hand on his firearm to the point where the only defense I had was the safety within my car and trying to be escalated argument that continued on with him outside of the store where he was taunting me to try to get me to hit him with my car while he was holding his hand on his XXXX and unstrap the holster this company has had a history of misleading customers by lying to them is for what credit reports were actually being ran or not ran as well as items to bring into the store the fact that this was regarding a place of business that lied and manipulated information to get me to fill out a false application regarding my credit for a title loan is why I'm reporting this matter along with the XXXX XXXX used by the store employee and a customer service by the unprofessional untrained manager

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I made a previous claim with this company with Consumer Financial, and the company responded and sent a letter in the mail. The mail stated that they had to close my account to protect them. Here 's the problem. Before my account was closed, they blocked my access from logging into my account. I was still getting email notification, and was given a number to contact XXXX XXXX, but she never called back when a message was left. Recently I saw something in the mail that I owe them move because my account is overdraft, and if I do n't pay it by a certain time it will be sent to a collection agency. WHY CHARGE ME WITH AN OVERDRAFT AND FEES ASSOCIATED WHEN I COULD N'T LOGIN TO THE ACCOUNT BECAUSE I WAS BLOCKED FROM THE ACCOUNT, as per Fraud department. It would have been easier if I had access to my account, put money or went to the bank, rather than reporting to the consumer agencies that I overdraft my account, which had more than {$2000.00} in it when I had access to the account. This is fishy, and I will look for an attorney. This is cruelty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I moved from XXXX XXXX to XXXX XXXX XXXX on XX/XX/2021. Before I left XXXX I went into the XXXX XXXX to let them know I was moving to XXXX and opening a local bank account. I informed them that the account would remain open until I could get mine and my wife 's direct deposit changed along with my auto pays for many accounts. Once everything had been changed and cleared I transferred the remaining balance to my new bank in XXXX. I was never contacted by anyone at Key Bank after that until now I received a collection notice from XXXX XXXX XXXX stating I owe {$150.00}, {$50.00} per month for the last XXXX months. I spoke to Key bank home office today. They spoke to the collection agency who said they would have to contact the branch. When they contacted the branch, they said they could not refund the {$150.00} fees because there is no account to credit them to. They really don't need an account they just need to write them off because I did everything I needed to do to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft and for that reason I placed a fraud alert on my credit report with all 3 bureaus while I fix inaccuracies and unauthorized accounts and inquiries. I was able to get most information removed thru written disputes, which I notarized and sent certified mail to each collection agency and then to each bureau. XXXX, Equifax and XXXX. I was successfully able to remove information from XXXX and XXXX. However, Equifax and the collection agency XXXX XXXX has given me a very hard time. I sent a certified letter to XXXX XXXX asking them to validate a medical collection, that I have no knowledge of. They NEVER responsded to my letter. According to my return receipt, it was signed for by XXXX XXXX on XX/XX/18. I then sent disputes of these medical collections to Equifax. My first letter was received and signed for on XX/XX/XXXX. I'm not able to make out the name from the signature. They sent me dispute results dated XXXX stating the the accounts had been " verified ''. I immediately sent them another dispute requesting proof of how this debt was verified or any type of supporting documentation since the creditor refuses to furnish any documents. My second dispute was received by Equifax on XX/XX/XXXX and on XX/XX/XXXX they sent me an email stating my reinvestigation had been started. As of today, XX/XX/18 Equifax has again stated that these accounts have been " verified '' but have not done ANY investigation or provided proof of how this account was verified to be mine. I have no knowledge of this debt and I am concerned that this may be a service that was obtained fraudulently with my information. I demand that these account be verified by either Equifax or the original creditor and if they can not be, then i demand they be deleted as they are affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

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 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I've lost my information back in 2019 and i didn't pay mind to it and a few years later im checking my credit score and seeing a lot of inquiries that i have not done. when i check i see my rights are being violated because there are reports on my credit that i have not done which is highly impacting my credit and i'm not sure how to approach this.

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