BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-10
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

I have made 2 payments to Midland Credit management in an attempt to settle my debt after negotiating a lesser amount. They told me that the payment plan was voided due to non-payment. I can provide documentation showing that the charges removed from my bank account. I was then told that I could re-negotiate for a larger amount the initially agreed upon. 

After I told them I could prove that the payments were made, they changed the excuse and told me that I made a call on XXXX/XXXX/2017 requesting to void my contract. I asked them to review the recorded call and they would not. I ask the account manager to go back and listen to the call, as I never requested to void my current agreement. 

The company is now claiming I must pay off the debt in full, and have re-opened the closed account as a line of credit in my name. 

After doing a deal of research I have found this company to have committed unlawful acts against hundreds of other US citizens. The company has violated the Telephone Consumer Protection Act ( TCPA ) by using an automatic telephone dialing system to place repeated debt collection calls to cell phones without prior consent. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EOS Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a dispute about this debt and it was denied I have no knowledge of this debt from EOS CCA For XXXX the original creditor is XXXX XXXX. Any information would be helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions 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:
Dear Credit Bureau : Experian I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you  provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on XX/XX/2017 U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.

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 2017-06-07
Company: Experian Information Solutions Inc.
State: MI
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 disputed information on my credit report. The results of the investigation came back verified. I then requested verification of whatever documentation was used to verify the accounts and public records that do not belong to me. I was told by a rep and that rep 's supervisor that the accounts and public records were verified electronically and there was n't any documentation to send me. The FRCA tells me that they are required to provide proof of those documentation upon request or delete the accounts and/or records from my file. They have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or they can not verify any of those accounts and/or records and under Section  611  (  5  ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the  Civil  liability and the remedy available to me for? negligent noncompliance?  ( Section 617 )  if they fail to comply with this  Federal Law.  I need more than just the creditor electronically verifying the accounts. I need to know how they verified them, and that means more than just taking the creditor 's word or reliance on some " signed agreement '' with the creditors to report accurate information. I need tangible proof that these accounts were verified.

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 2021-03-24
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I contacted XXXX XXXX regarding an account they reported to my tradelines. I spoke with a representative who stated that they don't have an account and that I needed to contact The XXXX XXXX XXXX  who also stated they had no knowledge of the account. This account should not be reported on my tradelines if this company Does not have any knowledge of the account. By law this account should not be reported to my tradelines if the company is unable to locate my account or verify the account that is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase applied my payment to the wrong account. the problem is they have not taken the 30 day late off of my credit reports yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
Submitted a claim against TransUnion, and recived an email saying they responded, but there is nothing, not even a notice that I submitted a complaint

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 2019-12-05
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I been battling to dispute these accounts for about 5 years. It doesn't make any sense to even continue when the companies. XXXX XXXX are some of the means people in the world right beside XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. You can talk nice to them all day still don't mean anything.These are not my accounts and I want them deleted immediately and permanently:  XXXX XXXX XXXX, - Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX, Charge offs - Closed Account – Please Delete Permanently. XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX XXXX, Charge offs - Closed Account – Please Delete Permanently.

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 2017-06-01
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thi s Compliant is being sent to Convergent Outsourcing in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I NEVER e stablished a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX   ) this  action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character

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 2021-02-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ally Auto Fiancial ( Auto Loan ) This is my second vehicle financed by Ally Auto. The previous vehicle was a XXXX XXXX, which I paid off before time in full ; hence Im a good customer. 
Due to the COVID-19 furlough, I had requested more time to pay my current Ally auto payments. I was asked to contact via chat, and I did on XX/XX/XXXX. I was assured that I would not be paying any interest etc., till the end of XX/XX/XXXX. 
However, I received an email from Ally in early XX/XX/XXXX that I was late in payment. Then, on XX/XX/XXXX, I contacted Ally auto via email and phone. Email reply was an auto-reply from Ally asking me to call. I have tried several times to call Ally auto but was promptly placed on hold for more than 45 minutes. I was told by one representative on phone you are from XXXX, why are you in the USA. ( Im a proud US Citizen ) I called a few more times to work something out with Ally auto, but every time was placed on hold, endlessly. 
Ally auto never called me back or replied to my emails to work out a payment plan or a fair resolution. I believe I have been treated unfairly inspite of having an excellent paying history. 
Ally Financial is also unfairly sending a negative report to credit bureaus. 
I am requesting that Ally Auto cancel my payments for a couple of months and retract any negative report sent and work out a payment plan. 
Im hoping that this can be resolved in a mutually agreeable term. Ally financial called today ( XX/XX/XXXX ) and threatened to repossess the car and ruin my credit history. I believe I am a victim of Ally Auto 's predatory business practices, discrimination and bias. 
I'm being forced to pay inspite of promises made by Ally Financial without making any current concessions due to COVID-19 pandemic. 
Thank You for your help! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Recently signed up for an XXXX store card. However, I was enrolled in a card security program that charges 1.6 % of your monthly balance, without any indication of it during the credit card enrollment process. The only notice I was sent was an email with the notice that I can cancep anytime, without anything telling me how to cancel. If I didn't check my email often, I would have never known I was enrolled in the program. Extremely unfair practice. I was happy using XXXX, now I will pay off my balance immediately and simply use my XXXX  card.

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 2023-01-11
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:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$27000.00} XXXX XXXX XXXX XXXX Opened : XXXXXXXX XXXX XXXX Amount : {$54000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) " any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.

Under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with Capital One Bank. They should all be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ) ( B ).

Once again I do not owe any alleged debt to Capital One Bank and I did NOT give consent to collect, sell or transfer any of this information or alleged debt by me the consumer, a natural person not a corporation. Capital One Bank continues to knowingly and willfully violate my rights as a federally protected consumer. Once again Capital One Bank debt claims are refuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Verisk Analytics 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 I was in La XXXX, CA, and i was shopping and i had dropped my debit card from Direct Express. It had dropped my card either outside of vehicle or in the store because when I was looking for it in my seats of my car I found it and put it in my back pocket. I noticed it was gone out of pocket when I went into atore to purchase something.. I proceeded to pay with cash. This was about XXXX XXXX when the card was missing. I then called Direct Express to get a new card and stop anyone from using it. I then found out that someone used my card at XXXX XXXX on the XXXX of XXXX at a XXXX XXXX and XXXX fraudualetly spending XXXX at XXXX XXXX and XXXX at TXXXX. I filed a dispute with Direct Express to gedt my money back and made a police report and they still denied my claim so I am out of XXXX and XXXX dollars. Thy said that I can not appeal this or have this looked over,. I feel they never looked t it n the first place because its evident that is was fraud. I do have a police report and Im waiting on copy of that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was duplicated or had the number stolen. I live in SC, it was used for three purchases and one decline in North Carolinawhere I do not live. On XX/XX/XXXX there was a Transaction at an XXXX  gas station in XXXXXXXX NC for XXXX. Another purchase on the same day for XXXX at a XXXX XXXX XXXX in XXXXXXXX NC. Another purchase on the same day for XXXX at XXXXXXXX XXXX in XXXXXXXX NC. On that same day, another purchase was made for XXXX, but it was declined for insufficient funds. Wells Fargo sent me an email about the decline and I immediately called to report fraud and cancel my card. In the meantime, I contacted the restaurant in North Carolina and spoke to the owner. She emailed me the copies of the receipts where the merchant name, which should be my name, did not appear. She informed me This typically happens when a card number is stolen and was duplicated. She contacted the waitress and got a full description of the people that sat at the table and used my card. We arent the same XXXX or XXXX The manager contacted me to tell me that the people using my card ordered a bottle of XXXX XXXX XXXX for around XXXX and tried to use my card for a bottle of XXXXXXXX XXXX when it was declined. She also emailed me the receipt of how they paid when my card declined. Clearly another fraudulent card with no name for merchant. The restaurant has video surveillance of the the people who used my card. Wells Fargo has denied my claim of fraud TWICE and states my PIN number was used. My account history clearly shows that a pin was NEVER used. It is a clear case of fraud, but Wells Fargo will not handle it and my calls are not being taken. I have proof of my whereabouts in XXXXXXXX SC when these purchases were made in another state. I have XXXX  children to support and I depend on this money to live.

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 monetary relief
Consumer complaint received 2022-04-06
Company: LEXISNEXIS
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
XXXX5 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: MN
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 been receiving phone calls of harassment, profane and abusive language, death threats, threats of wage garnishment, threats of arrest and being sent to jail and prison for over 3 years from XXXX XXXX XXXX for a fraudulent auto loan account and debt thats not my account or debt. The account and debt is fraudulent and is the result of identity theft. XXXX XXXX XXXX is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota State law.

Company response to consumer: Closed with explanation