BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apparently I was sued for an unpaid debt by midland funding LLC. They sued " me '' for an amount of  XXXX   '' in the county of   XXXX . I 've been trying to remove it off my credit reports. I never went to court or signed any forms stating admission of debt. Please help me resolve this.

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 2017-06-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX I called my local XXXX XXXX California branch to talk about my account. I was answered and given personal account information without verifying or authenticating I am account holder. I asked if anyone can call and get personal information with just my name, they yried to deny it stating she did not give personal information, but she did inform me about previous transactions on my account. I called again one week later to the call center to file a complaint, they said they were going to, but never happened. I called my local branch again to make sure maybe it was just that one call, they gave me payment information and debt information without verifying I am account not holder. I asked the associate why she did n't verify I am account holder because that is private information and I would n't want anyone to just call and get it, she stated that they are not required to ask questions to authenticate customers, when I asked her how is my information protected she then put me on hold and transferred me to the manager without telling me. The manager stated that they do normally ask questions but she does n't understand why I was complaining about this. I was also called on XXXX XXXX, to collect a debt that was n't due until XXXX XXXX, payment was not late yet, when I got in contact with them and asked them why are they making a collection call before me due date, and again did not verify me, her words were " I was just wondering if you were going to make it on time, " the company is one main, in XXXX XXXX, California. I received a call today XXXX/XXXX/XXXX from the call center, they again just gave me payment information without authenticating me, I asked how is my information protected and she stated they are not required to ask authentication information u till after the call and after all information is given. I feel my informative n is not protected and they are violating consumer information privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Account Management Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX, I received a phone call from XXXX at Accounting Management Service Inc. ( collecting agency ), located in XXXX, CA and I was told I owe {$2000.00} to XXXX XXXX XXXX ( as XXXX ), located in XXXX, CA. 
Later that day, I found out XXXX charged me {$2200.00} for XXXX storage fee that we 've never agreed or authorized. After the fact I sent the signed " XXXX Form '' to XXXX on XX/XX/XXXX via both e-mail and regular mail, In addition, I specifically called the office for a confirmation that the form had been received and the embryo would be disposed of. No one ever mentioned that the form was not valid at the time. 
I 've been trying to dispute this unauthorized charge with the billing supervisor at XXXX however all she could say is " the disposition form we sent had a notation on it to get a notary. I believe the account has been sent to collection it needs to be paid. And that form needs to be signed by a notary in order to receive any more bills. '' Until I requested on XX/XX/XXXX to send me invoices that they claim I owe, I had never received the invoices from them. 
I strongly believe we do n't owe this debt for the reason I mentioned above. 
I do n't understand why we have to pay for something we 've never agreed or unauthorized. They are ignoring the fact this debt caused by the negligence of their staff handling our file. 
Please refer the attached statement of the fact that I sent to XXXX but they keep insisting we owe the debt. 
If you can escalate this matter to investigation to improve the way the they conduct their business, it 'll help other victims. 
And I hope you can convince them to dismiss this debt. 
After I filed a compliant to Federal Trade Commission, they suggested to file a compliant with you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: MI
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:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-07
Company: TD BANK US HOLDING COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The information reported by TD AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX Is not accurate I have never had an account with them. They reported to XXXX a delinquent account on my credit and verified it as accurate when I disputed it through XXXX no documentation was provided to me as proof and I can not reach anyone when I try calling them Phone # ( XXXX ) I need help getting this misinformation off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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: Information belongs to someone else

Complaint:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,

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 2019-08-07
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX Unknown : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
called capital one explaining i finally have some income coming in while in pandemic and had been unable to work. tried to work out a lower minimum payment and to set up a plan to stop using card until it was paid off, and they were not willing to accept anything other than what they offered, which was unrealistic and un-affordable at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since  XXXX   XXXX ,   XXXX  , everyday at  XXXX ,  XXXX  and  XXXX  Capital One calls me and it 's not a live agent it 's a machine. I do n't mind the  one  call a day but two is excessive and  3  is annoying! I get it, I owe you money but  3  voicemails that are 18 seconds long with a recording is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.

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 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had paid my account in full because one of the representatives told me that it would be deleted off my credit after I paid it off. The money I paid got taken out of my bank account on XX/XX/2019 of {$660.00} I contacted Capital One asking them to resend the deletion letter because I never received it. But now the lady I spoke to is saying they won't delete it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021, I submitted an auto payment to USAA one day before the scheduled due date where I have an automatic payment plan. I received a pop-up that read " You are currently on an Automatic Payment Plan. By continuing, your next draft will be reduced by the amount of this payment. '' On XX/XX/2021, USAA took another {$900.00} from my account, which immediately placed me in a situation where I wouldn't have enough in checking to cover my weekly obligations. I called USAA on XX/XX/2021 to resolve this issue only to be passed around to different offices. I finally reached the loan department where the operator informed me that USAA starts processing these debits up to 4 days in advance so payments made within that window will be treated as an extra principal payment. I find this highly deceiving as the pop-up that I received did not mention this. Had they, I wouldn't have made this payment. If the USAA web administrator would simply add this note to the already existing warning, I'm sure that it would serve their customer base well and not put them in situations where they couldn't pay their bills. USAA further tells me that there is no way to return the money despite my checking account being USAA with the payment still in " pending '' status. When I told the loan department that I wasnt satisfied with the resolution, I informed her that I would like to dispute the charge. She told me that she would have to transfer me back to the banking department. After transfer, I waited on hold for over 40 minutes before finally hanging up. I later reviewed the Consumer Loan Note Disclosure and Security Agreement and Authorization Agreement for Preauthorized Loan Payments signed on XX/XX/2021 and there is nothing that warns the consumer that payments made within the 4-day window of automatic payment will be ignored. I have been a USAA customer for almost 20 years and have many vested interests through them, I thought that they would be willing to help a lifetime customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a formal consumer to business ( s )  complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
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: Reporting company used your report improperly

Complaint:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, and Equifax has failed to uphold that responsibility by furnishing/providing incorrect scores. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In accordance with the written instructions of the consumer to whom it relates. I never instructed them to furnish this report nor did i give consent to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: EQUIFAX, INC.
State: PA
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:
After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am trying to remove midland funding from all XXXX credit reporting agencies because they have lack of debt validation proving this debt was mine. I hired a law firm to contact them and they still could not provide proper proof but refused to remove from credit.

Company response to consumer: Closed with non-monetary relief