BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: GA
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:
The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately.

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY IS REPORTIMG INACCURATE, ERRONEOUS AND INJUROUS INFORMATION ON MY CREDIT REPORT ( S ) .WHEN I OBSERVED MY CREDIT FILES I SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED ( 2 ) VALIDATION REQUESTS IN ACCORD WITH THE FDCPA SECTION 809 AND DISPUTES TO THE CREDIT BUREAUS REGARDING THIS ALLEDGED DEBT.. 
CERTIFIED MAIL ARTICLE NUMBERS APPEAR BELOW : 1 ) # XXXX XXXX XXXX XXXX XXXX 2 ) # XXXX XXXX XXXX XXXX XXXX 3 ) # XXXX XXXX XXXX XXXX XXXX 4 ) # XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ILLEGALLY PLACED AN INQUIRY ON MY XXXX XXXX CREDIT REPORT ON DATE XX/XX/2020 SUBSEQUENT TO RECEIVING MY VALIDATION REQUEST ( S ) WHICH RECEIVED NOTHING CLOSE TO VALIDATION. 
PORTFOLIO RECOVERY IS IN VIOLATION OF FEDERAL AND STATE LAWS FOR COMMITTING CONTINUED COLLECTION ACTIVITIES. THIS COMPANY HAS VIOLATED THE FCRA AND FDCPA AS THIS IS A VERY SERIOUS VIOLATION IN ADDITION TO REPORTING AN ALLEDGED DEBT THAT I HAVE DISPUTED IN ITS ENTIRETY..I WANT THIS INACCURATE ITEM DELETED FROM MY CREDIT REPORT IMMEDIATELY.IF IT IS NOT DELETED IMMEDIATELY I WILL PERSIST AND FILE MORE COMPLAINTS AND SEEK COUNSEL.I PLEAD WITH CFPB TO ASSIST IN THIS MATTER. I APPRECIATE THE CFPB FOR THEIR EFFORTS IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
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:
I have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Exeter Finance Corp.
State: MA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX i live at XXXX XXXX, XXXX XXXX XXXX : XXXX. I am filling a complaint against EXETER FINANCEXXXX XXXX, XXXX Texas. I had a car loan with the above in XX/XX/XXXX in XX/XX/XXXX Exeter Finance repossessed the car and sold it but did n't report the new loan balance. I disputed this balance through XXXX twice and EXETER FINANCE refuse to change the amount.I spoke with EXETER FINANCE two weeks ago they told me that it is in their rights to ; charge me {$4.00} per-day interest and put what they what think on the credit reporting agencies.At first Exeter Finance was reporting the original loan amount {$17000.00} and now for the last SIX months they changed the amount to $ XXXX car was sold in about three weeks after it was repossessed. My new balance should have been {$6500.00}. Exter finance wanted to punish me for the repossession of my car. BECAUSE of there false credit reporting has hurt me. Each time I apply for a loan interest rate was 21 % for car loans and personal loans. Had Exeter finance reported a proper amount in XX/XX/XXXX I would have paid it by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Exeter Finance Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I current have a loan with Exeter Finance Corp. I have a 10 day grace period after due date however they continually call my cell phone and harass me. I 've explained I have been ill and to please not call me continuously back to back however they continue to do so. I have received XXXX calls from them today alone.. When I have specifically asked to not call me again they will call back and hang up on me. How unprofessional is that! My ten day grace is not up yet they call and harass you. You call and ask for help because you just have XXXX but they say ... Sorry your account is not late until ten days after due date so you have to wait till then yet they call you everyday to harass you even after you ask them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I believe capital one opened a checking account in my name and sent me a debit card in the mail. I never received a PIN number to this card and it never showed up on my credit report. I am not the only one whos gotten the same thing also, my co-worker and friend got the same thing in the mail around the same time I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
Dated on XX/XX/2022, I, XXXX XXXX, an federally protected consumer, will like to bring more clarity and to the attention to Discover Bank of the harm and extortion of extension of credit means by Discover Bank furnishing my non-public personal information and by it not being a Requirement youre doing this without my lawful authority As it mean to bring some statue harm to my financial reputation attempting to extort me by furnishing this information to the Consumer Reporting Agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im fully aware The financial institution Discover Bank has failed to comply with The GrammLeachBliley Act and did not provide their customer, consumer with the appropriate forms and options to opt-out of furnishing my non-public personal information to 3rd parties according to The GrammLeachBliley Act. Discover Bank can be fined up to {$100000.00} ( Per violation ) according to The GrammLeachBliley Act. Im demanding Discover Bank to cease and desist the status of Charge-off and update to Paid As Agreed to all Credit Reporting Agencies and remove all negative information. 
I am aware of what a Charge-off is and what a Write-off is and Im aware of what a Finance Charge is. Discover Bank you will be double dipping if you continue to attempt to collect the alleged debt from me. ( Notice ) I refuse to pay the alleged debt. Im aware Discover Bank is not complying with the law and it will be very deceptive of Discover Bank if you continues to furnish my non-public personal information the way you are and you face serious violations and penalties. See 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish ANY person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Discover Bank you are facing serious penalties with your deceptive business practices and all legal actions necessary will be taken if you do not comply and correct all your errors. Thanks in advance for your timely cooperation. Best regards! XXXX XXXX, federally protected consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: Go Capital Holdings, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The issue is that my SUV ( XXXX XXXX XX/XX/XXXX, XXXX XXXX with XXXX # XXXX ), was wrecked on XX/XX/2016 and was declared a total loss. This was paid, mostly by the insurance company of the person that crashed into me. {$11000.00} was paid on XX/XX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the other part was paid by my GAP insurance. They made a payment of {$950.00} on XX/XX/2016, of which {$460.00} was for the cancelation of the warranty and {$480.00} was for the cancelation of the repairs. The grand total was {$12000.00}, which they received ; however, to this day the account [ is still open ] and they continue to charge interest as well as other fees without any reason at all. They have yet to apply the credit to pay it off and send us the surplus, which is {$780.00}. My wife and I have contacted the finance [ department ] [ unintelligible ] on countless occasions with no success since the people that assist us indicate that they can only provide the information that is in the system, namely, that the account is delinquent 65 days and that it is affecting my credit. They also indicated that they had XXXX unintelligible spelling, perhaps declined XXXX the payment. I dont understand why, since I contacted XXXX and they advised me that the check had been cashed by GO Financial. They have received the money but even so they keep raising the amount and will not apply the awarded amount to the balance of the account, which is affecting my credit. The balance on the XXXX was {$11000.00}, and they were paid {$12000.00}, which means there was an excess payment of {$780.00} that belongs to me, but I have not received it since they have not handled the account in a legal way. To date they have raised the amount of my account to {$11000.00} without any reason, because they have the money and are affecting my credit, just so they can keep all the money. 

The situation is extremely important and worrisome, since they are affecting my credit and I need a vehicle. I cant purchase another XXXX till they pay off the account, send me my excess payment of {$780.00} and clear my credit. Now this situation is affecting me emotionally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX ACCT Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
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:
XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX  is not my account In XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my real estate and towing company it is stopping me from getting Funding I am trying to open up some XXXX XXXX XXXXXXXXXXXX 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 I need to stop in my goals and plans please address this issue 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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX  # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..

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 2022-05-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This is related to CFPB complaint number XXXX. The check to payoff loan with XXXX  was mailed to the designated lockbox of XXXX with loan number written on face of the check and deposited to an account with the XXXX XXXX, XXXX  branch of Wells Fargo on XX/XX/XXXX. XXXX has claimed they didn't receive check and during their follow up with Wells Fargo, were informed the check was credited to the wrong lockbox account. I was informed on XX/XX/XXXX that Wells Fargo would have this corrected by XX/XX/XXXX. It was still not corrected when I received another email from XXXX on XX/XX/XXXX stating that Wells Fargo was still working on correcting the issue and would have it resolved by the XXXX. As of close of business on the XXXX the error had still not been corrected and my calls to XXXX are left with no answers. I don't know if there is collusion between Wells Fargo and XXXX as to why the {$41000.00} payment has not been credited to my account, but I do know that my loan was updated with the XXXX credit reporting service to indicate the XX/XX/XXXX payment had been made. The account number on the check appears to be XXXX, XXXX or XXXX with lockbox number XXXX or 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 monetary relief
Consumer complaint received 2015-11-11
Company: Jim Bottin Enterprises, Inc
State: TX
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:
This company is posing as XXXX ' from XXXX , Utah . I cancelled a membership to XXXX of XXXX ( Texas ) several months ago well after my contract was expired. 

I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately

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 2020-10-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
all bureaus ( 20 ) companies are claiming data breaches so they can continue to exert nsa level dominance by unlawful resale and digital circumvention ( now backed by hashes, so consumer can not refute eOscar data ) any and all possible data a consumer may ever have in thier entire lifetime. 3rd parties repeatedly refuse to redact and purge data ( denying ability to rent an apartment ) while the three main bureas exert pressure to deny you the ability to borrow from any company or bank- or lender. I have tried over 3 major mortgage firms, have approval ( expired in fl ) for a VA mortgage- am being repeatedly denied score data- asked to unlawfully pay for said- and the same with my mortgage companies. I have urgent housing situation and these companies are treating american veterans like the XXXX SS.

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 2015-09-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It must be collection season again. This is not my debt, nor is there any reason for this company to be calling me. It just happens that I share the same surname as the party they are seeking. To be even more annoying this company is calling my cell phone. I would like to know how they got my cell number and why they are calling me. I am on the Federal and Pennsylvania Do Not Call List.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX  is not my account In XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my real estate and towing company it is stopping me from getting Funding I am trying to open up some sober living houses to help the XXXX  and reduce the overcrowding in jail by providing training in other opportunities for people to be able to maintain permanent housing I need to stop in my goals and plans please address this issue immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. In XX/XX/XXXX, I noticed a fraudulent account added to my credit report by Affirm Inc Open Date XX/XX/XXXX, Account Number - XXXX, Balance {$1200.00}. I filed an official Police Report with the XXXX Police Department reporting the fraudulent crime. I also notified the credit bureaus and disputed the information. In XXXX, XXXX, another account from Affirm Inc was added to my credit report AFFIRM INC, Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00}. I again disputed this fraudulent account and filed an FTC report to report the crime but yet this information remains on my consumer credit report. This fraudulent account # XXXX is now causing severe financial hardship on myself and my family. This is a direct violation of my rights under The Fairs Credit Act and Affirm is in violation of the Debt Collection Practices Act.

Company response to consumer: Closed with explanation