BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-11
Company: SIMPLE CAR TITLE LOANS INC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
My vehicle was towed when I was at work back on XX/XX/XXXX. So I had to pay the release from police station and the tow to get my vehicle out on the XXXX and paid off the balance I owed which was XXXX and was told by the manager that I will receive my title in a week. Now its XXXX I just recently renewed my registration and noticed on the registration that it says Im the registration owner and XXXX XXXX XXXX is the title owner. So they never release my title.. I tried contacting all their phone numbers they have listed and I cant get through any of them they all have automated requires ext.. I tried emailing them still no answer, please help this was my first time doing a title loan and trust me is my last!

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 2015-09-12
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
This complaint relates to the Discover credit card pre-approval online website titled " Find My Offer ''. 
This site is deceptive and misleading consumers into taking the next step of submitting formal credit card applications. 
In my case, after submitting basic identifying information, such as name, address and the last XXXX digits of my ssn on their initial 'Find My Offer '' site, a soft pull was performed on my credit file. 
After a brief pause, while my credit was being checked, led to a new Web site popping up, informing me of " Your Personalized Offer '', along with " Here 's the card we found for you '', indicating the Discover It card. 
Well, needless to say, I was turned down, after submitting a lengthy formal application, along with disclosing the account numbers for XXXX of my other credit cards that I wished to have a balance transfer over to the new Discover It card that I was " Offered ''. 
I can accept a credit card denial, what I ca n't accept is misleading and deceptive marketing. The words " Offer '' is utilized multiple times along with the extremely deceptive " Your Personalized Offer ''. 
An " Offer '' is just that, an " Offer ''. Pretty straight forward language. 
This not only resulted in a hard pull on my credit report but, more importantly, the disclosure of other credit card account numbers which I hold. I would never have disclosed this information but for their language of " Your Personalized Offer ". 
After a review of Discover 's " Find My Offer '' website, you may very well agree with my assessment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: NC
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 XXXX  explained that someone has stolen my identity and have been applying for all kinds of stuff. They added a fraud alert but did not remove the Fraud request that I told them about. I have attached the identity theft report with the things listed that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
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:
I had a Lease with a company named XXXXXXXX XXXX XXXXXXXX which dissolved and transferred to a company called XXXX XXXXXXXX XXXX. i received a letter on XXXX XXXX that the loan would transfer and XXXX would be the last month that my payment could be made and beginning XXXX i would be making my payments to XXXX XXXX XXXX. On XX/XX/2021 i checked my credit accounts and Discovered that i had been marked with a 30 day late for the month of XX/XX/2021. I called XXXX XXXX XXXX several times and waited on hold for well over an hour and a half but no one ever answered. I emailed the email on file and still have not received a response. I paid by XXXX payment to XXXX XXXX XXXX om XXXX XXXX as i have for the past XXXX XXXX years. I am in the middle of a purchase and this has impacted me as my score dropped to below XXXX from an XXXX this is unacceptable and i need this to be rectified immediately but no one ever answers the phone or responds to any of my attempts to reach the company. I am providing proof that my payment was accepted and withdrawn from my XXXX XXXX account on XXXX XXXX. I will also file complaints with all 3 credit Bureaus to make the corrections. I am beyond upset that this company would make such an error as i take pride on paying all my payments 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 explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted XXXX Equifax, XXXX, and creditors in regards to negative inquiries on my credit report. They weren't much help with assisting me with the deletion of those fraud inquiries. I have been a victim of fraud activity. Here is the list of fraudulent inquiries made on my account : EQUIFAX : XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX, XXXX XX/XX/2021 XXXX - Auto Finance XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX - Card Service XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: NY
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:
Received letter from Debt collector that the they requested the item be deleted from my credit report. Equifax removed and then re added the item on my report. Without sending a notice within 5 days which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX investigation into a late payment on my account shows data unchanged its still late 30-59 days. I received a letter from the original creditor which states that they will be removing the late payment

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 2015-05-29
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Good afternoon, This complaint is against U.S. BANK. ( Fraud and Homeland Terrorism ) I had a transfer from my Financial Advisor deposit in the amount of {$10000.00} to my checking account number : ______________________. However, the credit was never seen on the transaction history. Then when I engaged the bank in person I was given fraudulent documents listing incorrect transaction history, which I am in the possession of, but do not have the ability to upload because of lack of money and have been evicted from my home which has my M.F.P. to scan the documents. They indicate that the account is overdrawn and additionally, called XXXX in XXXX NV, and let them know the account was frozen which was a lie. They have also deactivated my debt card without my approval. 

These act 's defined by F.B.I. are homeland terrorism and has left me homeless and without a way to pay any of my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent letters to ic systems asking them to send me proof of debt owed or copy of last bill on XX/XX/XXXX today is XX/XX/XXXX they have reported to XXXX that I owe money when I do n't.

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 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
XX/XX/XXXX, I had three inquiries that I did not approve. 
Capitalone XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had some false information on my credit report and had submitted it on XX/XX/2021 and a follow back letter was sent XX/XX/XXXX and I still haven't received a response for why these inquires are on my credit report and according to the CFPB a credit consumer agency has 45 days to investigate or all of the negative and false items must be removed from the credit 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 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi Bank automatically closed my account and told me I would have to submit a new credit application to reopen it. Because they closed it my available credit will be lowered which will negatively affect my credit score as will a new hard inquiry. This is a coercive way to make people apply for credit and negatively impacts consumers.

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 2021-07-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ENHANCED RECOVERY CO # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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:
Ive contacted all 3 credit bureaus and creditors and nothing was done to remedy the fraudulent information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: MA
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 recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : ACCEPTANCE NOW It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : ACCEPTANCE NOW was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Financial Credit Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
company named ARA contacted my elderly mother and spouse. XXXX message said I had XXXX counts of check fraud. Another message stated I had XXXX counts of fraud. I contacted them XXXX/XXXX/16 to discuss. My mother and husband forwarded me messages they sent in regards to the matter. They stated consider the message my notice of suite XXXX The problem is I am unaware of what the debt is and why it was considered fraud. I have reported it to the Ohio XXXX XXXX office. They have XXXX different case numbers. The numbers are XXXX, XXXX, XXXX ( as of today ) They have threatened to serve me at my job and home. the numbers for these collections are XXXX ext XXXX and XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account Number : XXXX - Original Creditor : XXXX XXXX XXXX It saddened me to learn that you somehow Transunion verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : XXXX XXXX XXXX was removed from my XXXX report on XX/XX/2021! 

I am very interested to learn how Transunion 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that XXXX  spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Transunion via email, fax, mail and on the phone with a representative.

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 2017-03-16
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My Mother was told that her XXXX status would be revoked, and she would be XXXX. Hhat her social security pension would be garnished and that all the money in my husband 's bank account would be also taken. That President Trump had changed the law and that she had to pay this debt. This is over 19 years old. The used abusive language and under duress they took advantage of a XXXX yr. old senior who gave them her credit card information. So far they took 2 payments one for {$480.00} and another one for {$1000.00} I am working with the credit card company and have reported this {$1500.00} dlls charge as fraudulent. I want to make a formal complaint about this ARA XXXX company in Illinois. Collection manager name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
1. I was residing in different city than the one provided for the origin of this account. 
2. The number one way Progressive validates an account is through a signature XXXX XXXX and Progressive has not done so. 
I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Act Validation of Debts must include What the money you say he owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say he owes ; Provide me with copies of any papers that show he agreed to pay you what you say he owe ; Provide a verification or copy of information Identify the original creditor ; Prove the Statute of Limitations has not expired on this account The original account was closed in 2008. 

Show me that you are licensed to collect in CA including you SOS FILING NUMBER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief