BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-22
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX I noticed several inaccurate and erroneous information on my credit report accounts, and discrepancies that cause my credit score to take a deep dive in scores. I am submitting this complaint pursuant to FCRA 15 U.S.C. section 1681 ; 1. I noticed that XXXX account is reporting that I am not paying on the debt owed. I state that I made payment  arrangements with XXXX and I have met the agreement by paying more than the minimum arrangements. The reporting from XXXX  is incorrect. 
2. I contend that FICO, XXXX, Experian, and XXXX  all credit bureaus have applied unfair practices to calculating my overall credit score. I state that my payment history is more than 90-percent and I have no Derogatory marks or collections on my credit report.

However, my credit score is lower than when I had numerous accounts owed on and collection acccounts on my credit report more than three years ago.

3. I state that the credit score is not consistent with my overall credit score which was XXXX in XX/XX/XXXX. I contend that my credit score is not fairly calculated and assessed by the Credit Bureaus.

Therefore, I am requesting an investigation into this matter and ask that this Bureau review my claims and order the Bureaus to re-calculate my credit scores in keeping with Fundamental fairness practice.

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 2015-09-23
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX ( CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay XXXX for Alleged Consumer deception - - - XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XX/XX/XXXX - finally XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX XXXX which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Enhanced Recovery Company is violating Fair Debt Collection Practices Act trying to collect interest, fees, or other charges on top of amount or fraudulently changed amount from previous closed account with XXXX XXXX XXXX, previous amount was XXXX XXXX reported XX/XX/2020 and ERC is reporting XXXX as of XX/XX/2020. This is a violation and the account needs to be removed immediatly. ERC has also re-aged the account as well, causing the negative credit report entry to remain on my reports longer than is legally permitted. ERC never sent any mailed notification of the account not allowing me to attempt to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management , Inc. has aggressively and illegally continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22
Company: EQUIFAX, INC.
State: FL
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  ( File # XXXX ) I received Investigation Results from XXXX dated XX/XX/2020 in response to a Public Record Dispute I submitted in XX/XX/2020. XXXX results list the Public Record as VERIFIED AS ACCURATE, which I know to be false and unsubstantiated. I have a letter from the US Bankruptcy Court NJ confirming they do NOT provide verification to any entities ( attached ). Furthermore, I also disputed the Public Record with XXXX with the evidence/supporting documentation I received from the Bankruptcy Court and XXXX has since DELETED the Public Record from my data report ( letter attached ). XXXX, Equifax, and other consumer reporting agencies look to XXXX for verification and, despite this, XXXX   insists this item was verified. And, this is not the first time Ive disputed this particular issue. 
XXXX Equifax ( Confirmation # XXXX XXXX I received Investigation Results from Equifax dated XX/XX/2020. Equifax mentions on their Web site that Public Records are verified by a third-party vendor, XXXX. XXXX has DELETED the Public Record from my consumer data report ( letter attached ). I submitted this proof to Equifax and asked that they do the sameDELETE the Public Record from my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent it a dispute letter on XX/XX/2020 filing a complaint on inaccurate information reporting on my credit report to all three bureaus. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract. Under federal law, they have thirty days to complete the investigation and I received no reply. 

On XX/XX/2020, I sent a letter as a formal notice of my intent to file a complaint with the FTC reminding them that Under federal law, they have 30 days to complete the investigation, yet they have failed to respond. 

This is a violation of my rights and I am not able to move forward with my life with these inaccuracies on my report

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 2016-11-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
It 's about my dispute with Citi Cards, billing dispute department, XXXX XXXX XXXX, SD XXXX . 
I signed the contract to purchase the XXXX service from XXXX XXXX to XXXX XXXX on my last day in XXXX, outside the US with the XXXX XXXX XXXX Card on XXXX, XXXX. 
But they put the contract from XXXX XXXX to XXXX XXXX. After I came home I called their customer service to kindly change the date to my desired one, starting and ending in XXXX, XXXX times in XXXX but I received no response. 
Last time I had a chance to talk with their manager and he complied to do so, but still now I see no changes. 
I am not happy with their services. 
After that, the Citi card took over my XXXX XXXX card. 
I disputed this transaction but they have reversed it on XXXX, XXXX. 
Again, I made a dispute case XXXX with Citi Card on XXXX. 
Their company has sent me a lot of letters requesting my next payment, even though I have talked to their manager to fix their faults. 
I called and talked to their manager again to ask them to stop sending me the bills as I have never used their bad service. 
I try to dispute the reverse again but I could nt do t online by myself. 
As they are out of US and I feel unsafe since they know my credit card number. That is why I asked for a replacement of my Citi card on XXXX XXXX. 
On XXXX, I called in Citi 's customer service to make the payment, cancel the card and ask for helping to dispute this amount again. 
I sent a couple emails ( In XXXX, on XXXX XXXX and XXXX XXXX ) and called to Citi card to ask about my case and they asked me to wait. 
On XXXX XXXX Citi card cancel my credit card without any notice and explain reasons. 
On XXXX XXXX, Citi Card sent me a letter to say that the merchant refuse to issue the amount I have previously paid as I signed the contract. 
And Citi will bill me for the next 2 billing periods even though they cancel my account a month ago. 
1. Please kindly help me as I 'm so distressed with the terrible customer service of XXXX XXXX. I just signed the contract but I never used their service and I swear that I will never use their service. 
2. I think that Citi billing dispute department have to protect me as I am their customer, yet I am still immensely troubled. They have done very little research on this case because the files they have sent me are incorrect.

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 2022-08-31
Company: Experian Information Solutions 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:
I discovered on my credit report that there are incorrect accounts when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be corrected : ATTYGENERL XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN 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 2016-12-13
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/2016, Chrysler Capital repossessed our vehicle. They said we needed to pay {$1900.00} to bring it current and get our vehicle back. We borrowed the money to get caught up and we are still paying on it. They said another payment would be due on the XXXX, but once we paid up, they would be able to put that payment at the end of the loan. We paid that amount on XX/XX/XXXX and got our vehicle back. Once they processed the money, they said they could n't do anything because the loan had defaulted. So we were back to being a month behind immediately. We started getting phone calls about the payment and for the next 9 months, we 'd get phone calls about being behind a month. We 'd set up a payment to be taken out and it would get paid. Last month, they said that they sent the account to repossession and the only way I could stop it was to set up XXXX payments. They accused me of being 3 months behind at this point. The first payment came out, but I stopped the second payment and told them I was disputing the amount I was behind on XX/XX/XXXX. She took my information. On XX/XX/XXXX, I received a message to call Chrysler Capital. I called back the next day. He asked when i was going to be able to pay. I told him that I had filed a dispute about that amount. He told me that they determined I was wrong and the amount was right. I told him I needed to talk to someone about that because my records indicate something different. I received a message from a woman at Chrysler Capital late on XX/XX/XXXX but could n't return the call. Early on XX/XX/XXXX, the same woman called back and left a message. I could not make out her name either time. I was busy and could n't return the call right away. I was planning on calling back in a little while. Instead, 5 minutes later, I get a call from my XXXX mother that this woman left a message for her, looking for me. My mother was very upset. There was no need to call her since I had just spoken to them 5 days earlier. And she had JUST left a message for me to call back and did n't give me a chance to return her call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: CITIBANK, N.A.
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I had an " interest free '' deal with Home Depot to have a new roof installed. Total cost {$14000.00}. I was down to a balance of {$1100.00} and was continuing to pay the minimum each month as well as interim principal payments. On my XXXX statement I see that HD billed me {$1600.00} in deferred interest since the complete loan as not paid by the end of XXXX. In essence, I was billed {$1600.00} on a balance of {$1100.00}. I call customer service and they claim " this was clear '' in my monthly statement. My understanding from HD salesperson was loan was interest free through XXXX of 2015. Never made clear that if there was {$1.00} of principal outstanding HD would go back and retroactively apply 22 % interest. This is outrageous and abusive. I am XXXX years old and feel that I have been taken advantage of by this huge corporation. Help please

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a letter dated XXXX XXXX, XXXX from Fidelity Information Corporation for a an outstanding balance to a XXXX that I do now owe. I responded via certified letter mailed on XXXX XXXX. XXXX disputing this balance and requested verification documents. The certified letter was signed for on XXXX XXXX, XXXX. I specified in the letter that I wanted written response. I have not received any written or oral communication with this debt collector until XXXX XXXX, XXXX at XXXX. The agent said she was with Fidelity Debt Collection and was attempting to collect a debt. I told her I had an open dispute and that I mailed a certified letter back in XXXX. She said she had no record of that letter and that it was impossible since they just received the account in XXXX. I then read her the letter that I received from Fidelity Information Corporation and the date. I also told her of the certified letter I sent. She said that was a different company and the XXXX companies had since merged. I told her that was not my problem, since I still have never received any materials and that I also requested to only be contacted in writing. She eventually hung up on me. I called back attempting to sort the matter out, they asked for verification of my SSN and I told them no, as there would be no way they would have my SSN relating to this balance as there was never a contract or documentation with my SSN or DOB. I told the agent that if she verified she had my SSN that I would verify the last XXXX digits, she then verified that she did not have either pieces of information. I then spoke to a XXXX XXXX that informed me that they would come after me with this debt and that the letter I sent meant nothing since it was with another company. I then told him to not communicate with me except in writing and that I would be contacting my attorney regarding this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I had been paying, on time, my Capitalone auto loan account on time from XX/XX/19 to XX/XX/19. 
in an effort to improve my credit, which I had improved to 700-750 [  ALL MY BILLS HAVE BEEN ON TIME FOR THE PAST 2 YEARS OR LONGER ] .On XX/XX/2019 the auto loan MATURED with a remaining balance of late fees totaling {$1100.00} ( + ). Prior to the XXXX maturation of the loan, I contacted Capitalone on to occasions to satisfy the late fees to prevent it from being reported to the credit bureaus or turned over to an outside collection agency within 90 days. They stated it would not be a problem and it WOULD NOT be reported to the credit bureau as long as the balance was paid within the 90 days. I continued to pay the original loan amount in XX/XX/2019 of {$630.00}, In XX/XX/2019, Capitalone reported my account 30days delinquent because the entire balance of {$1100.00} was not all paid. Although I was paying the balance down, they continued to report the remaining balance as 60 days late and finally 90 days late. I cleared the balance in full on XX/XX/2019. As I'm satisfying the balance, I'm also in constant contact with Capitalone to remove the incorrect data on my credit report.To this day, this was not corrected to my satisfaction, with the erroneous information remaining on my credit reports and continuing to destroy my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: CITIBANK, N.A.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I signed on for a private student loan with Citi Bank with my parent as a cosigner. My parents declared bankruptcy but did not include the loan in the bankruptcy as part of what would be paid. I am now unable to make payments on the loan or even receive any other information on the loan aside from the balance and from my understanding it will go into default after the bankruptcy ends. 

The only information I 've been able to gather from the loan is the balance, that it exists and that it is in " bankruptcy deferred default ''. The interest rate ( or historic interest rate ), or any other information other than the balance has been refused upon calling customer service. I was told I could make payments on the loan, but no proof of payment would be provided. 

I would like to find a way to avoid this default, as I have no history of missing payments on any loans and I have every intention of paying the loan back. Either to start paying immediately to keep the loan out of default, for my cosigner to be removed from the loan, or the loan to be put in a status where I can get a consolidation loan from another lender. 

I realize that bankruptcy laws prevent most of this information from being disclosed, but I would like to get this loan into good standing and continue paying.

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 2017-01-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I pulled my credit file and i noticed that i have 2 recent inquiries from XXXX Card that i did not authorize or request. I do n't know where and why these inquiries are on my file they are dated XX/XX/XXXX and XX/XX/XXXX I did not apply for any credit from CHASE CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 report I noticed unauthorized inquiries on my report. 

I am DISTRESSED as a result of these reportings as they could hurt my ability to obtain credit. 

Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the PHYSICAL verification of the original signed consumer contract, or an inquiry initiation confirmed through PHYSICAL Identity verification on ANY and ALL accounts that you post on a credit report. Otherwise ANYONE paying for your reporting services could fax, mail or email in a fraudulent account or initiate applications for credit by using stolen identity information. 

I demand that the following inquiries be removed IMMEDIATELY as these were not inquiries initiated by me and are not mine : XXXX | XX/XX/2022 XXXX XXXX | XX/XX/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