BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received frequent calls from this company threatening to " serve me '' with documents for a debt they have not validated. They are violating FDCPA and FCRA with the threating phone calls. The company also does not identify themselves in the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
incorrect information reported. 

Don't have a XXXXXXXX XXXX XXXX XXXX  as an authorized user. 

incorrect information reported. 

inquires on proile don't belong. 

{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!

15 usc 6802 B 15usc 1605

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 2022-05-18
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX 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 2016-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has yet to delete fraudulent identity theft account of XXXX XXXX and fraudulent Michigan address that goes with it. XXXX noticed all three credit bureaus of the fraud on XX/XX/2016. The other XXXX credit companies have deleted the fraudulent account and XXXX address that goes with it. XXXX show nothing done to fix my credit report under its dispute confirmation numbers, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a new Discover Card in the last couple of months. It came with an {$8000.00} credit limit. They send me emails and ask why havent I used the card yet. They offer balance transfers that I must complete by a certain date so that I can take advantage of the XXXX percent offer. However, whenever I try to make a purchase it never goes through. Whenever I try to do a balance transfer it will process for a few days and then get rejected. My card is active and in good standing. I dont know if Discover is being deceitful in their advertising or if this some fluke in their system. A bait and switch scheme of some sort? I just dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the fair credit Equifax, XXXX and XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank needed a formal letter to have a cease and desist put on my account to stop repeated calls to both work numbers on file. I am currently off from work due to XXXX related issues that continue to reoccur. I need all correspondence to go to my mailing address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted several disputes on to all XXXX reporting bureaus and only Equifax wo n't remove my ex-husband 's Chapter XXXX Bankruptcy and the accounts that were discharged with his bankruptcy from my report. I have sent Equifax documented proof at least XXXX times and they still claim this is accurate. I have also called them on the phone, and all they tell me is that they are a credit reporting agency, and they only report what is reported to them. They not been helpful over the phone. 
I started this process with them in XXXX of 2014 and I can not get them to resolve this issue, even though the other XXXX credit reporting bureaus have removed my ex-husband 's Chapter XXXX bankruptcy and associated accounts, from my report. 
This has caused me hardship when trying to get a new home loan. No one will finance me with the discharged Chapter XXXX bankruptcy on my credit report. I ca n't even use my VA loan. I have been told if the Chapter XXXX is off of my report, I would get an approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: NY
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 moved from XXXX XXXX XXXX XXXX. XXXX XXXX, NY to a new address. Mail came to that old address and it was stolen by the new residents. I forwarded the mail at the US Post Office but some important mail slipped through. I found out that the new residents had used my name to apply for various types of accounts. The following inquiries on my credit were not authorized by me! 

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 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 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 explanation
Consumer complaint received 2016-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I have a legitimate debt with a collection agency. Recently, they have begun calling my adult son 's cell phone number about my debt. This is harassment, as he does not live with me and is not responsible for my debts in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XX/XX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.

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 2022-05-18
Company: EQUIFAX, INC.
State: NC
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:
The credit bureaus stated Account Name US Dept of Education Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX. XXXX XXXX  Account # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, dates and deferments were filed before all was reporting as defaulted. It should be in deferment not default. 

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a vehicle from XXXX in XXXX, XXXX on XX/XX/XXXX. 
The rental was for two days with the vehicle due back before XXXX XXXX on Sunday XXXX XXXX. 

I returned the vehicle at approx XXXX XXXX on XXXX XXXX and later that day received an e-receipt from XXXX. The bill was incorrect as they showed a return time for the vehicle of XXXX XXXX. 

I contacted the XXXX contact center the next day to complain. I was told that it would take six weeks to resolve the issue as the team had no ability to see or resolve international reservations. I eventually got through to an XXXX Customer Service Manager ( who identified herself at XXXX, Floor Supervisor in XXXX, Employee No. XXXX ). XXXX was wholly unhelpful and told me I had no option than to wait. I was given no complaint number and no resolution status. 

I have used XXXX for many years and regularly drop off my rented vehicle at airports without any issues. 

My complaint : XXXX XXXX XXXX team did not book in the car at the time it was returned. Proof of this is my return flight from XXXX XXXX to XXXX XXXX ( I sent copies of this to both XXXX and Chase, my Credit Card provider ) * XXXX did not provide a response to my complaint * I disputed this charge with my credit card provider, Chase. They issued a " temporary credit '' on the charge while they took time to investigate the dispute. 
* I cooperated with all inquiries made to me by Chase Bank * I noticed that this " temporary credit '' was still appearing on my credit card bill in XX/XX/XXXX, i.e. nearly two years after the initial dispute * I raised the issue with Chase via their online portal. After several weeks I received an electronic response to say that Chase had found in the Merchant 's favor by virtue of the excess time that the dispute was open. This despite the fact that I have received no communication from wither Chase or XXXX in more than 18 months * I called Chase to complain. I feel I was mis-led by their operator XXXX XXXX and her Supervisor XXXX, who stated that it was normal Chase practice to leave open disputes until such time as either the cardholder or merchant called. I played back an example in which I purchased {$10000.00} of good then disputed the transaction the next day. XXXX insisted that the charge would be held in dispute in perpetuity if Chase was waiting for a response from either the Cardholder or the Merchant, with no limitation on time. I feel that this is a gross mis-characterization of the actual dispute process and was offered as a diversion to Chase 's failing in executing my original dispute transaction Chase has agreed to credit my account with {$75.00} ( the approximate amount of the disputed charge ), however it is their poor processes and deceptive explanations that I wish to highlight

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
XX/XX/XXXX I applied for a hardship economic deferment on every educational loan I possessed. This deferment was granted for the consolodated subsidized and unsubsidized loans adminstered by AES, but AES denied this deferment for XXXX private signature loans they were administering on my behalf. As I was in XXXX XXXX outside of phone contact and with limited internet connection, I organized electronic communication to follow up with my loan deferment process as I would not be able to have access to standard postal letters. XX/XX/XXXX, I was able to return to the United States and retrieve my postal mail where I discovered a letter never delivered electronically to my account which stated that my deferment request was denied for the XXXX private student loans administered by AES. When I contacted AES to inquire why this notice was not sent to me electronically as I was in XXXX, or inquire as to how I was able to fix this mistake, I was informed that AES had closed that account and sold the debt for those obligations and could not comment on how or why electronic communication was not sent to me, why I was not contacted, or why the deferments were denied. When I asked how XXXX loans administered by AES could be denied a deferment when XXXX other loans administered by AES were granted the same deferement for the same period, I was told they could not comment as they had closed those accounts. In XX/XX/XXXX, I once again applied for a deferment from AES which was denied, while the same deferment was granted for the same period with the same information for loans administered by XXXX. When I contacted AES to inquire how a federal loan could be denied a deferment when the same deferment was applied to other federal educaitonal loans, through the same program, with the same information, I was informed that they could not comment on why and I should just reapply. I believe that AES is purposefully and systematically seeking to deny deferment requests in the hope that individuals will not notice or be able to contact AES services so the loans could be placed into default and claimed under federal insurance programs. I am seeking assistance as I have returned from XXXX and would like to address the issue of the XXXX loans which were denied deferment, subsequently placed into default, and are now an issue on my credit, to which AES has consistently refused all comment or willingness to address. I left with a debt that I am not able to address and a company who is not interested in working with me to create an adequate method for repayment, which is now affecting my credit and backgrond investigations for future employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am a widow and this is stressing me out both emotionally and physically. 
XXXX of all, when I call them, I get this recording, 'your last payment of {$1500.00} was made on XX/XX/2016 and your next payment of {$1500.00} is due XX/XX/2016 ' RED FLAG! What I was calling about was on XX/XX/2016 my statement said payment due XX/XX/2016. I made a XXXX payment. Then the XX/XX/XXXX statement generated said my payment was due XX/XX/2016, and I did not make a payment for XXXX. The XXXX payment took over XXXX weeks to get there. The statement generated on XX/XX/2016 says that {$8200.00} was XXXX ''. They have CASHED these checks. And I have when I sent them and they allegedly got them. I am on XXXX and I do n't get my check until the third Wednesday of the month. My payment takes most of my check. I got my XX/XX/XXXX check back because I did n't put the XXXX cents in where you write the amount. They charge me {$6.00} for certified mail, when I mail my payments certified, it costs me {$3.00}. I have got XXXX with a certified tracking number on it. They also charge me for property inspection, {$13.00} and they are NOT in California. They also sent back my XX/XX/XXXX payment because it was n't the {$12000.00} plus due. I they pay my property taxes and I feel that they are OVERCHARGING me. When I called them I got that recording I mentioned in the beginning and the person I talked to was in the XXXX, a XXXX. They charge up to {$19.00} to talk to a customer service person. He said that " I '' would have to call back to get the results. 
I have sent letters to them and no response. 
If I have to get a lawyer I am wanting Ocwen to pay the lawyer fees. 
It was in foreclosure I resolved that and have been making payments since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The original debt is with XXXX XXXX, the collector is Midland Credit Management. I told them I would not give out my banking information over the phone and they stated XXXX XXXX had given them my bank account information without my consent and all I had to do was say yes and they would draft my account. If this is not illegal it should be. No company should have my bank account information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: GREAT LAKES
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX   XXXX  University has taken last year and this year state tax refund of  XXXX  and  XXXX  for paying amount of  $ 1,000.00+. B ecause I called them couple of years ago to let them know that I can pay them at least {$50.00} a month. But they brought me to collections in which I wrote them a letter explaining my situation. And then I did not hear from the collections people at all. And then I received a notice that my state refund went to  XXXX   XXXX  University. I did not receive any notice or letter from  XXXX   XXXX  University that they were going to take money from me!!   Also I was charged an extra fee for collections services!! That is why I have to pay over {$1000.00} for the amount!! I have spoken to  XXXX   XXXX  University about taking my {$600.00} refund this year and they sent me by ema il 5 lette rs that I did not receive. What happen to collections helping with paying the amount? How much do I still owe  XXXX   XXXX  University?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation