BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Midland Funding LLC in regards to an account listed on my credit report that I do not recognize. They are reporting to the  XXXX  major credit bureaus on behalf of  XXXX  Bank. I have asked Midland to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with  XXXX  Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent o nly 1 letter s aying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: WI
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:
Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the Midwest and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX and my issues started with a late payment that XXXX XXXX Bank ( XXXX ) has placed on my credit report. I was able to get the late payment removed, but a few weeks later the late payment was reinserted illegally without anyone notifying me within 5 days of the reinsertion. The supervisor, XXXX XXXX, at XXXX XXXX Bank ( XXXX ) insists that this couldve been a mistake with XXXX XXXX, but this was not a mistake. Ive spoken with professionals at XXXX XXXX and they said they only report from Credit Bureaus and can not edit any of the Credit Reporting information. Even after me showing documentation, he still denies that anyone from the XXXX team didnt report any late payment removing changes. I am currently in the process of filing a civil suit against XXXX & the Credit Bureaus. I will not stop fighting this even if I have to get lawyers and a civil suit going.

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 2017-06-06
Company: CAVALRY INVESTMENTS, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cavalry has been reporting a debt that I do not recognize and I have requested debt verification/validation multiple times. Cavalry has  not sent me anything but statements from  XXXX   XXXX . I have requested the original contract and I have requested the original contract that shows their right to contact me regarding this debt. They have failed to provide this information. In addition, they have failed to mark my credit rep ort ( s ) with an indication of my dispute. They continue to report this debt and have violated my right under the Fair Debt Collection Act to en sure this debt is mine. After I disputed this information, they continued collection efforts despite the statute of limitations being expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: TN
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:
I have several inquires listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2019-12-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ive tried calling this company multiple times about the fraudulent collections they have on my credit report, they keep saying that theyre attempting to collect a debt from a apartment complex Ive never lived at in my life, Ive sent in the information that was requested my identification official police report and federal trade commission report & Theyre still falsifying that the account belongs to me and hanging up in my face, I tried reaching out to the apartments but now there under new management and I wonder why, This is by far the worst experience Ive encountered with a company in my XXXX  years of living.

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 2017-06-16
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Trying to connect my bank to app called active hour they are having issue with verifying account using a third party vendor.     We do not have a connection with your bank because the third party bank provider is not seeing able any recent direct deposits, but not because we need a screenshot. Your account was looked at by our team and we were able to see that the issue was the third party provider. There is nothing you and we can do at this point besides wait for our third party provider to fix the issue. : - (

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 2022-04-07
Company: EQUIFAX, INC.
State: OH
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:
Equifax is not showing that I have any credit all. There is nothing on my Equifax file at all. XXXX and XXXX both have my correct credit files with over a XXXX score. 

Equifax almost kept me from getting my mortgage for my new house and HAS kept me from getting a loan to make some improvements on our new house. 

I have called them multiple times to try and fix this and they have said it is my fault that they do not have my accounts on their file. Anytime I ask to speak to a supervisor I get put on hold being told it will be a few minutes. I ended up being on hold for over an hour and a half and eventually hang up with Noone having ever answered. 

This is not an error or mistake on my end it is definitely the fault of Equifax and needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy Federal Credit Union has made unauthorized transactions from m y Checking and Savings  account since  XXXX   XXXX  of last year. The funds were sent to a closed credit card account ( it has been closed since  XXXX   XXXX   ) a nd the following unauthorized transactions were posted to my account :  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$170.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$100.00}  XXXX   XXXX   XXXX  - {$54.00}  XXXX   XXXX   XXXX  - {$510.00} ( sent to consolidation loan ) Both mentioned accounts are being negotiated by  XXXX   XXXX   XXXX   XXXX  on my behalf. Power of Attorneys were sent to NFCU regarding the accounts, and they are fully aware. I have spoken with NFCU on several different occasions and unauthorized transactions have continued. Each representative I have spoken with all gave me the run around and proceeded to tell me they have the " authorization '' to pull available funds from my accounts if accounts become delinquent. How I have been  with Navy Federal for 8+ year s and I have never encountered this issue nor have I read or signed any loan agreement consisting of this unlawful practice. I have gone into a branch located here in  XXXX   XXXX  and a representative told me there was nothing she could do. I have exhausted all measures and this issue remains unresolved. The money stolen from my account has caused me to fall behind on other due bills.  <P/> Due to these reasons, I strongly advise any business or consumer to not conduct any business of any kind with Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made all the necessary communications with all entities which had recorded wrong and/or misspelled names such as missing name part, inversions between given and family names etc. This has been requiring lots of energy, times and money. Now after this tedious cleaning process we still see in Experian records and their successive credit history eidtions many of these errors and inaccuracies persisting and not being flushed, although we did submit in various occasion our proof of ID, residence, all bearing the very right and full spelling at the perfectly right address. Most important, as my full name is made of a combination of extremely common given names and family patronyms, every inversions, substitutions, omissions, or misspelling are particularly prejudicial, dangerous and are opening doors to the highest risk of identity spoofing and, at least will induce a mix with other existing individual sharing some near name combinations. As the mission of a credit bureau, being one critical tier of trust in numerous transactions of the daily life, one of its main commitment and civil responsibility before citizens is to ensure the best identity integrity and protection. In my particular case it is very relevant that Experian removes rapidly all sources of identity confusion, all risk of ID spoofing and ensure they do efficiently and actively contribute to synchronize with all meshed systems a unique and correct patronym associated to my SSN. And not the other way around, that is to say being an agent propagating mistakes by leaving tiers which do query the credit bureau record with erroneous answers ( Eg. confirming that my SSN is associated to another person who shares part of my name. ) The credit bureau can not be a dictionary and a register of all past mistakes. Lastly, as Experian do not provide the precise list of furnishers by ID number which keep and report erroneous data they leaves us without any means and without any recourses to duly act and protect our identity efficiently when our names and patronymes are so common.

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 2021-11-14
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and Experian i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}

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 explanation
Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, Equifax, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
the lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). the lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - A QWR was also submitted to the lender on  X/XX/17  and we request a response to this prior to proceeding to a FC sale date of  X/X/17

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: ZWICKER & ASSOCIATES
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/XXXX I lost my job, my house flooded, and my truck blew up. I had a XXXX card that had crawled up to {$13000.00} over the prior years and they increased my interest to 29 % and my payments were not able to even cover interest. I contacted a financial advisor, XXXX, and signed a POA and was told to stop paying on the card so we could settle the card. 

The card was eventually turned over to Zwicker & Associates XX/XX/XXXX. At that point XXXX began working the Zwicker when she was able to reach them. Many, many messages were left. I believe she also text them, but they don't answer the phones ( I have tried to call them myself! ) They did call XXXX to discuss settlement, but even after reaching an agreement they again were impossible to reach. During at least one of the conversations with Zwicker they were informed that I had moved to XXXX. XX/XX/XXXX they filed a Summons in XXXX County, XXXX and XXXX again tried contacting them to request the copy of the agreed upon settlement that had never arrived to XXXX or myself. After leaving daily messages for many days she was never called back. XX/XX/XXXX a Notice of Entry for {$15000.00} was filed with the Court. XXXX again tried contacting as we were still attempting to reach them, but they were not answering phones, not replying to messages sent. 

XXXX finally got after XXXX Legal to retract the judgement as I was not in the State of XXXX and that should have never been filed. XXXX Legal retained another firm for the State of XXXX  and they pulled a copy of the XXXX Judgment and said they could not do anything as they do not practice in XXXX. 

XXXX legal has reached a settlement agreement with me at this time, however, they can not seem to get Zwicker to retract the judgement either as we have been waiting 2 weeks already and we Still can not reach Zwicker. 

Their behavior is rude when you are lucky enough to reach them, they are practing unethical practices, and when informed that I was not in the State of XXXX, that I had to move to XXXX  to take care of a parent on XXXX they even illegally served and filed papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX XXXX  Account # XXXX 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 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with Transunion, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still  remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}

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 explanation