BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: TX
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 Name : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account number : 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 explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Name : XXXX XXXX  XXXX  Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : 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 2015-05-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Midland is trying to collect on a debt that has passed the statue of limitations. The XXXX bill they are trying to collect is over 7-8 years ago. Statue of limitations on reporting has exceeded and they continue to roll the account to continue reporting and subsequently damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/2015, I received a letter from Asset Acceptance , LLC about a debt from XXXX XXXX that I did not know about. I have never had utilities in my name. When I got that letter, I immediately called Asset Acceptance, and requested an identity fraud packet. I received the packet and filled it out. However, they had asked for my address history, and being that I work every day when the Secretary of State is open, I had to get it sent by mail, which took about 4 weeks to get everything situated. During that time, I was in regular contact with the company, and asked for more time, because I was waiting for verification. They extended the time period for the documents needed, and said my wages would not be garnished until the dispute was resolved. I ended up faxing what they needed on XX/XX/2015. Since that date, I have heard nothing from the company. I have tried to call them, and the representatives continue to say that it 's still in the " dispute '' stages, but they have no idea why, and I should be receiving a letter stating the reason. The only letters I have received were both in XX/XX/XXXX, stating that my case is still open, and my wages will stop being garnished until they reach a decision. My next paycheck, and every paycheck after that, my wages are still being garnished. I have tried to call the lawyer assigned to my case, a XXXX XXXX XXXX, around 20 times, and left multiple messages over a 5 month period. Not once did I get a call back. I resent all the required documents by certified mail, along with re-faxed them also on XX/XX/2015, along with a letter that if I did not hear back from the company within 30 days, I would have to take further action. I had included the fax confirmation from XX/XX/2015, so they would know I did send them the information. I also had requested a certified mail signature sheet, which I received once it was delivered. Today is XX/XX/2015, and I have not gotten one letter from this company. I have provided proof without a doubt that this debt is not mine, and my wages are still being garnished. When they were trying to collect the debt, I got multiple calls and letters, even when the account was in dispute. Now, every time I call into the company, they give me different numbers, nobody has any information on my account, and the lawyer will not answer the phone. This is completely unacceptable. I would like to know why my wages are still being garnished, after the company has stated over 3 times that they would not be, and I also would like to know why I am continually being ignored when I ask what is going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 I monitored my credit and see a derogatory collection account appear from nowhere... 

XXXX account listed as Ability Recovery Services Llc .... 
XX/XX/2022, I called XXXX XXXX XXXX and they stated that this debt was purchased from XXXX XXXX XXXX ( who originally purchased from XXXX XXXX XXXX ) I have never had an account with XXXX XXXX as you can plainly see on my credit history.

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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200 or 100 which are 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 2022-08-27
Company: Experian Information Solutions Inc.
State: LA
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 XXXX Account # XXXX has violated my rights. 

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}

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 2022-05-23
Company: EQUIFAX, INC.
State: TX
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 Name : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account number : 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 2015-12-30
Company: NCC Business Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
NCC Business Services Inc has sent me a notice for a debt from a apartment complex XXXX. I have not received any documentation for the debt from the apartment complex nor have I been taken to court by XXXX in Maryland and got a judgement against me. I am a identity theft victim I do not want NCC Business Services to use my personal contact information or contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX/XXXX/08 I went to the clinic for stitches. I asked if they accepted XXXX XXXX and was told they did.XXXX XXXX XXXX paid them {$190.00} on XXXX/XXXX/08. I paid them the {$21.00} which was my obligation. When they billed me {$190.00} I contacted my insurance co. and they sent a letter to XXXX XXXX telling him he had been paid the negotiated fee he had agreed to in his participation agreement. He then turned it over to ARS ; I sent them letters and a copy of the explanation XXXX XXXX XXXX had sent to XXXX XXXX and me but it was never removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
On our XX/XX/XXXX statement from Chase credit card there was a charge from XXXX XXXX for {$44.00}. I immediately reported this to Chase as a fraudulent charge. Since this was the third time we had a similar experience with Chase we decided to cancel our credit card on XX/XX/XXXX. Chase sent us a letter on XX/XX/XXXX requesting support for our dispute. I sent them, in writing and by fax, an email from XXXX XXXX that they agreed to reverse the charge on XXXX/XXXX/XXXX. I included this email in my communication with Chase. On XXXX/XXXX/XXXX, I received another letter from Chase requesting evidence to support the reversal of the charge from XXXX Watchers. Again I sent them the email from XXXX Watchers stating they had reversed the charge on XXXX/XXXX/XXXX. On XX/XX/XXXX I received a letter from Chase, dated XX/XX/XXXX,  that they had investigated the charge, called XXXX XXXX, and that they were not going to support our dispute and would put the charge on our next billing statement. THIS WAS AFTER WE HAD SENT THEM THE EMAIL FROM XXXX XXXX ON THREE DIFFERENT OCCASIONS THAT THE CHARGE WAS REVERSED ON XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXBankruptcy XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I want to file a complaint against TD Card Services ( TD Bank credit card company ) because TD Bank arbitrarily and capriciously sided with the merchant, XXXX during a credit card dispute. TD Card Services was given all evidence to prove that ( 1 ) I was supposed to receive a promotion in amount of {$150.00} and that services were n't provided, so I tried to refund the gratuities in amount of {$240.00}. TD Card Services assigned case # XXXX. After clear and convincing documentary evidence, I would expect that the TD Card Services would issue me credit in amount of {$380.00}. If this does n't get resolved, I will definitely proceed with a complaint in XXXX Civil Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Dear XXXX, I am writing this letter in support of my dispute with American Express and XXXX XXXX. I had purchased XXXX XXXX XXXX tickets with my Amex Card in on XXXX XXXX XXXX. Due to medical reasons my parent could not fly and we had to cancel the trip last minute. We requested XXXX XXXX for a refund and they would not honor the request inspite of this being a medical emergency. 

We filed for a dispute with Amex in XXXX XXXX. The result was in the favor of XXXX XXXX. Terms of settlement were that the fare can be used by my parents for a period of a year and a change fee will be applied. 

In XXXX of last year we found out that my mom can not can not fly for extended period of time due to medical reasons. ( 18 months ). Per documentation from XXXX XXXX, if the customer can not fly for an extended period of time, with a supporting medical letter, they will honor a refund. I contacted Amex and filed a dispute in XXXX XXXX. I repeatedly asked the agent to accept the medical letter. I was told that Amex would n't need XXXX to support my case. The case was ruled in favor of XXXX XXXX. 

I reopened the case in XXXX XXXX. I sent a support letter and a copy of the medical records. My argument was very simple. Please refund the money or issue a transferable credit that XXXX of our other family members can use. For a Third time the decision was made in favor of XXXX XXXX with the same terms, that the member can use the credit to book a flight upto a year. i.e. XXXX XXXX. They ( XXXX XXXX ) also said that supporting medical letter was not enclosed. I had sent the letter and Amex has received it. The dispute department failed to attach the letter. 

The Airline now refused to issue any credit as its past the 1 yr period. 

For the fourth time I reopened the case in XXXX XXXX. I sent an explanation letter as requested by Amex, and a copy of the medical records again. I explained to the associate the problem that Amex did not provide the medical letter which XXXX requested. I was assured that this would not be the case and this time it would be a smooth sailing as they have all the documents on file. I was assured that Amex has great customer service and this is a XXXX off exception. For a 4th time the decision was made in favor of XXXX XXXX who also said that supporting medical letter was not enclosed. 

It is past the 1 year deadline. Amex has dropped the ball 3 times and now I have lost the money paid to XXXX XXXX because they fail to do their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
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 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 any purpose.

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 2016-12-14
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I'am writing to request correction of the error described below in regard to the mortgage on my property at XXXX NY XXXX. My servicer was changed without my knowledge, I never received information regarding the change. My payments with my previous servicer was auth drafted monthly from my bank account never any late or delinquencies. I noticed my payment had not come out of my account and I contacted my previous servicer XXXX who informed me my loan was transferred to another servicer and I should wait to receive documentation in the mail. 2 weeks pasted and still no documentation. I again reached out to XXXX end of XXXX to inform them of this and was assured I would not be penalized in way because it takes up to 60 days of the change and I was given the contact number for loan care who I contacted and was told I would receive a package in the mail not to worry they did not have a loan number on file for me because the transfer was still in effect. I finally am able to make payment for XXXX and at that time I set up auto draft from my account. Effective XX/XX/2016 I receive notice the my credit score has dropped more than 80 points and its being reported to the agencies that I am 30 days past due on my mortgage, which I have never been delinquent in any of my credit accounts ever. I made every effort to arrange my payments accordingly and should not be held responsible for the lack of organization and professionalism from the loan servicers to make the needed transfer. My livelihood depends on my credit according to CFPB website consumers are not to penalized for such change when I made my payments on time all to be deducted electronically. I also reached out to my new servicer who was not in any way shape or form helpful with this issue. Your assistance in this matter is greatly appreciated. 
Please note that this is not a complete list of all possible errors, such as errors regarding your servicer 's failure to provide accurate information. 

Thank You, 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