BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the MIDLAND FUNDING still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I have had an ongoing issue  with Macy 's credit. T hey claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed m y Macy 's card onlin e on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I call ed Macy 's se veral times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this  with Macy 's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact  me and got through or that their auto-pay was working correctly.  <P/> Macy 's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for Macy 's errors!  <P/> I want these late marks on my credit removed.

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 2021-11-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I lost my information on the bus after work and one day somone started to usin gmy identify opening accounts and others bc i been getting emails for irs.gov

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 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the PORTFOLIO RECOV ASSOC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have had an ongoing issue with  XXXX  's credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my  XXXX  's card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Terrill Outsourcing Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls more than once daily beginning XXXX/21. Company refuses to detail exactly what I owe and why, tried to say it was my visit but then said it was my child 's. When I asked the manager to email me information so we can get something worked out he raised his voice and began threatening and belittling me, speaking over me without listening to my responses to his questions. 
XXXX XXXX  is the manager whom threatened and belittled me, then refused to provide information I requested to validate the debt. Poof of harassing and threatening behavior can be provided upon request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  ,2013   XXXX  I have paid this debt off and the company is still reporting on my credit, I would like for this to be removed from my credit. When I made the payment the company said they would remove this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016 un der the name of  XXXX    XXXX     XXXX   XXXX  I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact   XXXX   directly and follow their internal fraud procedures which I have already done.

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: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit reporting agency has a collection on my account. There is no listing of an amount owed or the name of Original creditor.

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 2023-02-23
Company: Southern Auto Finance Co
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SAFCO has an auto account that is reporting on my credit report. They are reporting the full loan amount on my report instead of the deficiency balance. This information is incorrect. By law they are violating multiple sections of the FDCPA and FCRA. I have sent numerous letters for this to be rectified. SAFCO also they keep change and ballooning payments to add try and collect more money which is also a violation of the acts listed above. SAFCO failed to provide notice of repossessed vehicle being up for auction, notice of final sales amount of the auction ( with deficiency balance included ), they also failed to provide notice of how to recover the car during the repossession time period. They sold the vehicle and are trying to pawn the full balance of the loan plus interest on me. Law states that a deficiency balance notice must be provided. FCRA and FDCPA both state that if a debt is written off by a company through taxes, that legally the debt has been paid. I am requesting records of the charge-off loan balance that was written off, statement of vehicle sale through auction after repossession whether public or private, deficiency balance statement from the date of sale through auction proceedings. SAFCO will need to provide all documentation of the loan paperwork signed with dealer and alleged debtor, and items listed above for my attorney 's review. At this point, we are pursuing legal recourse for violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX received letter at XXXX XXXX  XXXX.  XXXX  to collect a debt of $XXXX  for XXXX  Credit Card.  ( Acquired mail on XX/XX/XXXX from an unknown source, this is not my address).  On XX/XX/XXXX mailed certified letter to Midland Funding, XXXX  XXXX  XXXX  XXXX XXXX, XXXX. XXXX, XXXX  XXXX, CA requesting documentation showing that I am the responsible party or a copy of a judgment. On XX/XX/XXXX I received at my correct address (XXXX   XXXX  XXXX  XXXX, TX XXXX) a letter with a portfolio Number and account number no documentation to prove that I am the responsible party. On XX/XX/XXXX received a letter stating if they don't hear from me by XX/XX/XXXX the account will be forward an attorney.  On XX/XX/XXXX  forward another cease and desist letter to XXXX XXXX XXXX XXXX, XXXX   XXXX, CA XXXX.  I added a person to my account which made that debt; however since the card is in my name I paid XXXX  on XX/XX/XXXX $XXXX on the $XXXX debt.  Mail the payments to XXXX/XXXX  XXXX  XXXX XXXX XXXX   XXXX  XXXX, GA XXXX  and I got a letter from Midland Credit stating that I already paid them.  I never forward a payment Midland Credit Management again I paid XXXX  who forward the money Midland Credit Management.  On XX/XX/XXXX I get a statement from Midland with the amount I paid XXXX.  On XX/XX/XXXX I get a certified mail from Midland with a notice of possible attorney review.  I have the rights not to deal with a collection agencies. This is illegal.  If I am paying XXXX  the original debtor why are they sending my payments to the debt collector Midland Credit Management in XXXX  XXXX, CA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
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: Their investigation did not fix an error on your report

Complaint:
For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Bread Financial Holdings, Inc.
State: NC
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XX/XX/HSN; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on BEST BUY/CBNA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2017-04-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This account is not my account Midland Funds refuse to validate information proving this is my account. They will not validate account and verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
hi i been trying to work with Transunion for over a year now to have the poof that the information on a   XXXX   XXXX   account  XXXX  and  XXXX  bankruptcy,  s  chapter  XXXX  #  XXXX  chapter  XXXX  #  XXXX  are not mine and they have refused to show proof and all they have sent back to me is verified i have tryed to tell them that the accounts they have on file do not belong to myself and they will not take care of the issues so this is a complaint to please show the proof of this these accounts if you cant provide me the proof they need to be removed because one again they Do Not Belong To Myself the law states that if you can not show proof they must be removed from the report thank 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 2017-06-06
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX   XXXX ,  2017 I pa id off my mortgage wi th Loan Depot, m ortgage account  XXXX   Loan Depot had 90 days to provide me with a mortgage release documents, releasing me from an y liens against me and my house. As of today,  XXXX   XXXX ,    2017 Lo  an Depot ha s not provided me with the release documents. I have sent several emails and each time I get a response that they are going to provide this document and that it has been escalated, but to date no one has provided me with the proper document stating I am released from the mortgage. This document is needed should I ever want to sell my hom e. Loan Depot is not legally entitled to have a lien on my house since the loan has been paid off in full. There never been pen alty for late payments, I have always paid on time. This company is not responding to my requests to get my affairs in order..   I would appreciate if someone would force this company to provide me with the appropriate document. I am not sure how they can avoid sending me this document, I presume there is a law they have to do it within a certain amount of time. Well it has been 6 months since I paid the loan off. I would think my documents are long over due.   Thank you for your help.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Grain Technology, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I found this app in the XXXXXXXX XXXX XXXX that provides a line of credit based on analysis of your checking account, and that utilizes no credit check. After applying and being approved, and sorting out an issue with an error I was receiving on the app, I was told the next step would be verifying my identity. I wasnt worried about this step since Im who I say I am and have the documents to prove it. The system couldnt automatically verify me, so I was asked to upload my drivers license and social security card to a XXXX account, which I should have known not to do. After another week passed, I reached out again and was told I could not be verified. This was odd, given that they said the approval was not credit related. They would not provide how their system verifies consumers. Further, they may be running a credit check without consumers consent, or they are pretending to and saying its only an identity verification.

Company response to consumer: Closed with non-monetary relief