BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Remove/or verify I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My ex-girlfriend had opened this account I never knew nothing about it. I didn't find out till a few months ago when I checked my credit report. I contacted the company to let them know hey this wasn't me and that she did this. I actually was trying to press charges against her but she left town. The collector wouldn't work with me said I was lying and I had to pay in full or they would sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023 its been over 30 days. I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.

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 2023-12-27
Company: Commercial Trade, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A debt collection agency, Commercial Trade Inc, XXXX XXXX XXXX, XXXX CA, XXXX sent a letter addressed to my name but to my employers address. 

In addition to my name it also was addressed to the name of the agency I work for and a general location. As I work for a government agency employing thousands of people, the address was a general location ( not specifically addressed ) and all mail is screened for threats, etc the debt was disclosed to a number of people before it was delivered to me. Including my direct chain of command. 

This company has never attempted to contact me before and I do not know what this debt is. 

They should know better than to address a letter to a government agency. Not only that but by including just the agency name and a building the agency occupies ( XXXX of dozens ) there was no reasonable guarantee this letter would not be opened by anyone other than me. 

Also yo do this as a first ( and seemingly only ) attempt to contact me is ridiculous.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: OneMain Finance Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I did research and found inaccuracies on my credit report In Accordance with Fair Credit Reporting act One Main Financial and XXXX XXXX XXXX both have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions which neither of them did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Eastern Revenue, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. Eastern Revenue inc Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} Date open : XX/XX/2023 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX creditor : XXXX Balance : {$320.00} Account : XXXX XXXX. XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Balance : {$970.00} Account XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX : {$360.00} Account XXXX XXXX XXXX All report different on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 I received a letter via email from Hunter Warfield trying to collect on an alleged debt from The XXXX at XXXX. On XX/XX/2023 I sent a letter via certified mail asking for verification of the debt and giving notice that I would be disputing the debt. I have not received a response to the letter but I have received XXXX letters via email on XX/XX/XXXX and XX/XX/XXXX trying to collect on the debt. I have also received several calls, the most recent XX/XX/XXXX. 

*Note there are XXXX certified mail receipts pictured. XXXX was for mine and XXXX was for XXXX XXXX who is also responsible for the debt and sent a verification request letter. I am not sure which was for which letter. Also the copy of the letter attached was the letter before being printed and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I got a new credit card from Chase Bank for the XXXX XXXX with a limit of XXXX dollars. I called the bank to ensure what the card is about since I have other accounts with them. This card was opened on XX/XX/XXXX with Chase Bank which I never did. They closed the account and marked it as fraud. I also followed up with XXXX to get fraud protection who said they would push out the notification to the other credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good afternoon, I'm still seeking your assistance in addressing the continuous violations of my consumer rights by consumer reporting agencies and financial institutions. These violations include FCRA violations, inaccurate reporting, unresolved disputes, mishandling of personal and private data, and unfair practices in truth in lending. Despite my efforts to resolve these issues, I have not received a satisfactory resolution. Is a class action suit against the entities involved necessary to receive remedy? If you look at my consumer reports you clearly see the inaccuracies and violations. I kindly request your intervention to investigate this matter and advocate for justice on my behalf. See attached supporting documentation. 
Please advise. 
Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported with late payments and I never had these. The information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I called credit karma and told them there was a debit from my account I did not authorize. They mailed me a new card and cancelled my old one. When I got my new card I went to activate it and couldn't access my account because I have changed phone numbers. So I called credit karma and asked to change my number so I can get access to my account. They asked me to upload documents. I have uploaded my documents to them 10 times since. I have called customer service every day since. All I can get for an answer is wait for an email. They have no way of getting an answer from their verification services other than by email. Or I'm hung up on. I am not allowed to speak to a supervisor. So I have to wait. In the process of waiting I'm over {$300.00} in late fees on my rent. I have had my car insurance cancelled, I am about to have my power disconnected, and my phone service as well. Every day it is still the same answer they don't know I have to wait for an email. This is ridiculous quite frankly. I shld be able to access my money that I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Incorrect information was reported by LexisNexis Risk Solutions : * XXXX XXXX XXXX and/or court data ( XXXX ) - provided by a consumer reporting agency * XXXX XXXX XXXX XXXX XXXX XXXX XXXX - provided by a consumer reporting agency Driver : XXXX XXXX Description : at fault accident Date : XX/XX/2021 Source/Consumer reporting agency : XXXX XXXX/LexisNexis Driving history and claim information provided by the following consumer reporting agencies : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Prosper Marketplace, Inc.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a personal loan from PROSPER on XX/XX/XXXX in XXXX for {$15000.00} XX/XX/XXXX I requested a credit card increase from XXXX XXXX XXXX and the bank then sent a check for {$13000.00} to Prosper at the address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
I waited over XXXX week but heard nothing back from Prosper so I contacted my bank and a representative told me that the check was sent to Prosper on XX/XX/XXXX. I called Prosper to asked what happened to the check that was sent by my bank and the Prosper representative told me that I sent it to the wrong address so I explained to her that is the address that is in my email. I had to called back XXXX XXXX XXXX and explained to them that PROSPER stated that they never received the check, ( XXXX  ) immediately placed a stopped payment on the check. I called back Prosper and told them this and I was given a different address to mail the check. NO further checks were mailed because we ( XXXX ) wanted to wait to make sure no one tried to cash the first XXXX. However, on XX/XX/XXXX PROSPER updated my account balance {$13000.00} paid in full. I was shock I called/email to let them know that a stopped payment was placed on the check. They got me for insufficient fees, late payments fees and other fees. I have email and made phone calls and was told that those fees were waived, but they are not. The loan agreement is for me to pay {$310.00} per month on the XXXX but because of all the confusion I requested for them to changed the payment date for the XXXX of each month. Now Prosper is auto withdrawing extra fees 2 times in a month separately from the {$310.00} loan payments without my permission, this is causing a great deal of hardship.

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 2023-10-19
Company: Exeter Finance Corp.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I sent AMSHER COLLECTION SERVICES the following correspondence via certified mail/return receipt after they reported on XXXX. I am not aware of this alleged debt and AMSHER COLLECTION SERVICES needs to advise immediately. 
RE : FRAUD/AGGRAVATED IDENTITY THEFT - AMSHER COLLECTION SERVICES is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( AMSHER COLLECTION SERVICES ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( AMSHER COLLECTION SERVICES ) have obtained by aggravated identity theft in accordance to 18 U.S.C. 1028A. I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( AMSHER COLLECTION SERVICES ) is attempting to collect a debt from I, the consumer. This makes you ( AMSHER COLLECTION SERVICES ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by AMSHER COLLECTION SERVICES into the Federal Trade Commission for XXXX XXXX XXXX and theft. Failure to zero out the balance within 15 days, will result in legal matters being taken and I will report to the Federal Trade Commission for XXXX XXXX and identity theft. If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( AMSHER COLLECTION SERVICES ) and this letter may be tendered as evidence of failure to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The car wa paid off after but it is still on my credit score showing that it is not paid. it is delaying me from moving forward with my life.

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 2023-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Friday, XX/XX/XXXX, I received an email saying my account phone number and email had been changed. I tried to log in and find that my PIN, username, and password were not working. I called customer service and asked for help. My phone password had been changed, as had the password hint, and I was unable to do anything to my account to fix it. They even changed the vehicle associated with my account. 

I submitted my ID and phone number for their account recovery process, which promised a can back within 1-3 business days. I never received that call. 

I can't get through to anyone because the info I need to verify myself has been compromised. No one will call me back or take me seriously. Every cent I have in the world is at USAA, and no one seems to care. 

I need someone with the power to fix this to contact me. I've filed a police report and a report with the FBI, but nothing has come of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ENCORE CAPITAL GROUP INC.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management keeps destroying my credit regarding an account that I do NOT owe that is NOT mine. I have been a victim of identity theft and have taken the appropriate legal action. 
Even if this were valid, per my attorney this account would still be a violation of my rights under the FDCPA because they are listing this account as " open '' which is a violation of his collections can be reported on file, as they can not report past due, late, or open. 
In the past I had made a request of information such as proof of ownership, verification ( NOT validation ) of the original creditor, last 2 years of payment history, and a copy of the agreement with my alleged signature. I received nothing other than repeated bills, and had they not violated my rights and provided the information I requested under my full right to do so, i could have gotten to the bottom of my identity theft sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For over the past many years. I Have been going by the book on hoe to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The car loan was paid off by insurance. The collection company is charging me interest because interest was charged while they waited for the insurance company to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Nelnet, Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have emailed NelNet with no response. I have been on hold for HOURS. I can not get through to them. No matter what I do. I applied for a new Income Based Repayment and the SAVE Plan. They were supposed to get back to me. Never did. According FSA - my monthly payment is {$250.00} and I should have a one month deferment. According to NelNet I have a past due payment and owe over {$500.00} per month.

Company response to consumer: Closed with explanation