BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the account number is inaccurate, the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, the date last payment is inaccurate and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-01-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A fraudulent XXXX XXXX credit was opened in my name. I had never known this as I had not checked my credit for a long time. Upon discover, the XXXX XXXX account was sold to Midland Credit Management. I filed an Identity Theft Affidavit with Midland Credit Management and XXXX XXXX. Midland Credit Management does not agree that I had never owned this account and they will not remove their collection from my credit file. I want full disclosure and proof verifying that I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I opened an account in XX/XX/2016 with Wells Fargo and had been making regular payments on the account. 

Without notification, the balance on the account was transferred to a new account in XX/XX/2016 that I did not request to be opened. 

I have asked Wells Fargo for an explanation as to why was this account opened in my name and the balance transferred. I received a message that the inquiry was being sent to their Executive Offices, but I have not received a response. 

From my understanding, Wells Fargo was fined million for such fraudulent business practices, and there was a full-page ad in the XXXX this week apologizing for similar activity.

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 2017-04-05
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone requested a replacement card from my bank then stole it from my mailbox activated the card creating a pin and then used it till I discovered it. The bank did. It refund my money stating that even though card was activated from a different phone number they used my personal data like ss # and birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my cellphone and workplace frequently. Debts are beyond statute of limitations and have been bought and sold multiple times. I have paid off the accounts and they keep calling and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
XXXX is not accurate with they information u can never get one otp to help they score is way different from the other two credit company they refuse to delete secondary company but got original one deleted they moving to slow and what they doin is illegal and I did not ask to share my info which is illegal not with my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i got a call from a random number talking about my brother hit someone by the way this is false whatever so yeah they are on the phone yelling at me telling me that i cant get the police involve that i need to find money and they will let my brother go so i did i found money and they sent me to star market so i can do a money gram so that when they get the money they will let my brother go so i did and come to find out it was a scan none of this was true.i filed a police report but i was told to bring it to the fbi so here i am

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company advanced delinquent taxes and raised my fixed rate mortgage without properly notifying me. I have not lived in the property for 5 years and did not receive correspondence to my current address nor was certified mail sent nor a simple phone call. They accepted and cashed my regular monthly payment but held funds in suspense essentially holding the funds then reporting me delinquent. I have brought the loan to a current status however the lender will not correct the derogatory credit reporting.

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 2017-03-03
Company: Ashton & Weinberg, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
So I had a line credit that I defaulted on the payments, so I made a payment arragement which I did pay for a while and again I defaulted on that due to financial issues .... 

So the original creditor gave the account to a debt collector that has been calling me harrasing me itimidating me and torturing me mentally and emotionally ... 

He has threated me of taking me to jail and has accused me of fraud and that I am a criminal. 

He also told me that he had recorded me on the 1st conservation that we had which I did not consent to nor was I aware that I was being recorded. 

Also, he pulled ny credit report with out any written consent or authorization. 

XXXX XXXX Ashton & Weinberg , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX That is the debt collector information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Integrated Recovery Services
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This loan is with XXXX originally. I had difficulty paying back in XX/XX/XXXX and was eventually able to pay back XXXX of XXXX balance by XXXX. But had trouble setting up arrangement and balance went to collection agency Integrated Recovery Services. In XX/XX/XXXX this agency contacted family and friends staying I had committed fraud and they were threatening to file criminal charges. Since XXXX I have paid back XXXX more but agency continues to call when I request correspondence only by email. Refuses to take payments by mail and did not charge debit card on two occasions. This is not a criminal matter but civil credit debt. Yet agency says they will keep charging to criminal court and threatened to raise costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Fidelity Information C XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Was placed in collections by this company. Received NO notice or any other information about this debt or any action concerning it. 

Doing this without notification is a violation of law. 

If they can place it on my credit report, they obviously have enough info to locate me. 

This is an invalid debt from an apartment complex in which I never lived. 

Have tried to contact them via phone, but have refused to discuss the mater.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My son and I were approved for a loan at 20 % interest from Santander bank. 
We should not have been approved as he is XXXX with a family to care for, and because he was late on his payments, he owes more than what he borrowed. 
I was refused by XXXX other lenders because my credit is bad. 
How did we get this loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I requested a loan remodification due to financial hardship ( I am a displaced worker attending school full-time ) with Citimortgage. I was told by my homeowner support specialists, XXXX XXXX and XXXX XXXX, that Citimortgage would report negative information to the credit reporting agencies regarding my account while the remodification was being processed and that after the remodification was approved and a XXXX day trial payment period was completed that Citimortgage would contact the credit reporting agencies to remove the negative information. The remodification was approved and I was advised that HUD paid my past due payment totaling {$6900.00} and escrow of XXXX a total of {$8400.00} and that a sub lien on my property must be satisfied before I can refinance or sale my home. I co-signed for a car loan for my son, co-owner of the property, in late XXXX of this year and I received several denial letters indicating that there were serious delinquincies on my credit report with XXXX. I requested a copy of my credit report with XXXX and it indicates that there was a maximum delinquency with Citimortgage of {$12000.00} for XXXX and {$6900.00} for XXXX. ( FYI homeowner support specialist also stated that my XX/XX/XXXX and XXXX payments would be included in the remodification and therefore I did not have to make those payments ) The delinquency period reported to the credit reporting agencies was from XXXX thru XXXX. I have contacted Citimortgage several times regarding this issue and this week I spoke with XXXX XXXX who stated that Citimortgage reports to the credit reporting agencies that the loan has been remodified and the delinquency has been resolved in situations such as mine. However, that is not what my credit reports reflects. XXXX XXXX stated that Citimortgage is a creditor and has no control over what the credit agency reports on my file when I advised her of what is actually reflected on my credit report. I also have a credit report from XXXX and it does not indicate that my loan was remodified and that the delinquency has been resolved. Therefore I am fairly certain that the same is true with XXXX. It is difficult for me to accept that a credit reporting agency would report any other than the information they receive from the creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland Credit Management contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any one from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX  XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2017-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Portfolio Recovery keeps calling my work number after being asked not to call me. They have made two calls in the last 30 days and another prior to this. Each time they call I tell them that this is my work number, the phone is answered by saying thank you for calling Employer 's name, they will not stop calling and I am not to have calls like this at work and they say they will note it and then call me again. I even give them my cell phone to call instead and they will not call it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested the verification of the stated accounts from all XXXX ot the credit report reporting agencies. I have indicated the reason for removal is that the account being reported is not mine and I did not authorize or participate in the account being created or receive any benefit from the account in question. 

The credit reporting agencies have requested verification of the debt and the creditor continues to report the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: AC AutoPay LLC, Denver, CO Branch
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
XXXX/Motolease is reporting the wrong balance on my credit reports and is refusing to update that the account has been settled in full with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Allied Credit Consultants
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a notice today from a company claiming to be litigation company / attorney service who is filing a claim against me. The company is XXXX bank, however I have not received any notice which gives me 30 days to dispute the account, however the letter stated to call XXXX directly which I did. Upon calling XXXX XXXX was unable to find anything other then where I applied for the account, I verified for him that I was not granted the account and never made a initial deposit which returned and I was told the account was {$60.00} due. XXXX transferred me to XXXX ( blind transfer ) in overdraft collection dept from there XXXX did n't ask me for one thing she told me to go into the bank. XXXX told me there was nothing she could due, and I would not be able to dispute the account I needed to go into the bank. I explained I never went in to apply it was never opened and begged for her to look up my info she refused. I asked for a supervisor and I was denied access to one I do n't owe these people a dime. The company under this ficticious law firm corporation is frivolous, threatening to damage my credit, and prosecute me however if they are acting as a debt collector they have denied me the right to dispute the debt XXXX is not in compliance as well.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-31
Company: Collection Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have not been notified that my hospital bill was sent to collection. I started receiving called from a number leaving me automated messages like " if this is ( my name ) please call back about your collections account ''. They call every day during working hours, no one tells me what debt I owe or who they are, just leaves messages calling and saying I need to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XX/XX/XXXX I checked my bank account and noticed that Sallie Mae had taken out XXXX of my bank account and they were not authorized to do so. I called them immediately and they told me it was an accident and not on purpose and it would take 3 to 5 days for a refund. It took multiple phone calls on my part to get this problem taken care of and I was treated poorly throughout the entire process. I do n't know how anyone takes out over 2 grand on accident. I ended up getting my refund a week later and was thoroughly stressed throughout the whole situation. I am a hard-working single mom and this was just unacceptable I know people make mistakes but that caused me to not be able to pay bills and pay for other daily essentials. Fast forward to XX/XX/XXXX I check my bank account and I see that Sallie Mae again took out money from my account XXXX. I did not authorize this transaction either and I am completely frustrated with this company for their mistakes that they have made. I am writing to you to inform you of how poorly this company is ( Sallie Mae ) and what customers of them have to deal with on a day to day basis.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-04
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Apartment complex sent {$730.00} to debt collection against me. XXXX had denied apartment managers claim and I was cleared upon move out almost 2 years ago. XXXX decided to still illegally submit debt and not notify me. I received no notice. I found out about this debt yesterday XXXX XXXX 2015 when applying for a new apartment out of state. So I was never given the option to dispute this which is not legal especially with the way it was reported. I would like to take steps to dispute it but also need to be able to get out of staying in a hotel. I need to know if I pay it to clear my credit if I can still dispute it immediately after

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .Midland have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Midland Funding, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with non-monetary relief