BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-26
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions 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, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of XXXX   indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with XXXX  LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and correct : 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 2022-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Road Runner Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX from Road Runner Collection Agency in XXXX called Saturday, yelling and ranting about what I better do to pay a late payment to XXXX XXXX XXXX XXXX she was rude unprofessional and trying to threaten me regarding the payment and after her yelling and acting like a XXXX Year old throwing a tantrum she hangs up in my face regardless of my being late on the payment is will not be talk to in a disrespectful manner!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian Credit Bureau has taken way above the time to respond to complaint XXXX and the meantime they have downgraded my excellent FICO score to the lowest possible. My current FICO score is at XXXX all because Experian has neglected to review the several documents I have submitted via their upload system. They have also failed to timely respond to the prior complaint through CFPB. The other two credit reports have done the correct thing and done due diligence in reviewing the documentation provided and have positively corrected my credit therefore increasing as expected muy credit report back to a its respective and correct score. Experian is also not even allowing me to dispute the negative tradeline on-line rather they want me to call to a number where they are constantly busy with long waits.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and correct : 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 2017-01-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I bought my first home in 2005 with no money down. At the time I was unfamiliar with the process, but the lenders explained that I would just carry two mortgages. One would be the primary mortgage for the purchase of the home and that would be a traditional 30 Year mortgage and the 2nd would be a 15 year mortgage for the down payment of the home. At the time I thought it was a really good deal. Both mortgages were with XXXX XXXX XXXX. Shortly after I closed the 2nd Mortgage was sold to HFBC who then became HFC Beneficial which is whothe 2nd mortgage is currently with. After I was notified of the sale of the 2nd mortgage I started going over the Amoritzation of the loan and realized that the 2nd loan is actually a Balloon payment. At the end of the 15 years my final payment is the same amount as the original Loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Byrider Franchising, LLC
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

CNAC - XXXX XXXX Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XXXX XXXX, I went to Cash Express in XXXX, TN and got a flex loan of {$660.00}. But after interest, I was suppose to pay back probably about {$2000.00} and something. I paid my payments on time. Until I went through a tough time and quit paying them until I could afford it. Approximately 3 months after I stopped paying, I gave XXXX  to my XXXX. They called me the morning after I gave XXXX  and told me I needed to come pay them. I said I just XXXX  XXXX, youre going to have to wait. They said have someone bring it for you. I hung up on them, I was irritable and had XXXX  in places they shouldnt be, I was in XXXX  and they didnt understand that. So fast forward to today, I got a letter in the mail saying they was going to file a lawsuit to collect my balance or they would repossess something of mine if I didnt pay my past due balance within 5 days of the letter being sent out. Well, it takes 5-7 business days for a letter to get from one place to another. They dont even have access to anything I own to repossess anything. They legally arent allowed to threaten me with a lawsuit, based under the CFPB. They were in trouble for this in XX/XX/XXXX. I dont think they know that I know this and that I know they cant even practice a lawsuit, much less threaten me with one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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:
My Experience with XXXX as a consumer my information was on their data breach my identity was stolen and shear with more than one third/parties XXXX XXXX and Experian. according to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. This affected my credit score in every way emotionally I am stress this really made my life uncomfortable which has lots of negative, and a charge-off. All this was place on my credit history report without my consent I made calls to let them know that is a Violation of the CFPB they told they don't know what am talking about I would like for all this to be deleted asap with and update information it was taking off thanks.

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 2016-11-27
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Experian and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2020-06-14
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Upon trying to link my PNC bank account to my XXXX virtual currency account it was noted that PNC does not allow the connection between the two, presently. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Hillcrest Davidson & Associates
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello my name is XXXX XXXX in I'm here issuing a complaint against a accreditors for Hillcrest Davidson and streamline benefits die have documents that they are suing me for money and I want this account audited I have no information on what this complaint is about I watch this processed accordingly and then went documents to prove that I owe this said I don't have any information at the moment and I'm requesting that issue thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
I made XXXX payments to cover my XXXX billing statement though XXXX was meant for the XXXX statement. The XXXX in XXXX where on the XXXX to cover the payment due of {$350.00} originally sent {$350.00} and realized it was not enough & sent an additional {$50.00}. Then in early XXXX while doing my bills I paid {$400.00} on XXXX to cover what I thought would be applied towards the XXXX statement however the XXXX statement did n't close until XXXX so I paid a day early or almost 30 days early since the payment was not due until XXXX. {$800.00} in payments where applied to the XXXX statement making it look like I missed my XXXX payment. Now my XXXX statement is showing late and they are asking for XXXX to bring current plus a {$26.00} late fee and they reduced my XXXX limit as a penalty for paying too early. When I called they said to bad you need to pay attention to your due dates and there is nothing they can do, just plain bad customer service. Today I will make the {$330.00} XXXX payment again to avoid additional late fees and the additional {$250.00} prior to the XXXX due date to bring everything current in their eyes. All I asked them to do was post my {$400.00} XXXX payment towards the XXXX billing statement. I would also add that I have never missed or had a late payment on this account. I will do whatever it takes to pay this debt off ASAP and never deal with them again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-14
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I want to link my bank account that i have with PNC bank to my XXXX XXXX stock account but it does not let me because the PNC bank refuse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2022-12-14
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not sent notice to dispute the validity of this alleged debt. I am disputing the completeness and accuracy of this trade line that is being reported to my credit file.

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 2015-10-23
Company: Crosstown Law, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A law firm sent to me a letter stating that they were of counsel for XXXX XXXX XXXX , XXXX, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and Crosstown Law, LLC. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. 

The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt. 

# 1 The debt must be proved owed to the initial entity. 

# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by XXXX XXXX XXXX , XXXX. 

# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If XXXX states that they purchased the XXXX debt XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XX/XX/XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business. 

The Crosstown Law letter s a joke, whereas the legal entity of XXXX XXXX XXXX XXXX are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies. 

The debt collection system is broken, a press release by the Federal Trade Commission in XXXX. XXXX XXXX XXXX XXXX is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: United Shore Financial Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. This company iscurrently showing late ( XX/XX/2020 ). I have read enough to understand my rights. You areattempting to violate this clear understanding. Investigate and update the current status toreflect accurately. 

( UNITED WHSLE MORT XXXX )

Company response to consumer: Closed with explanation