BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
Company: Tower Loan of Mississippi, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made an agreement with local branch ( XXXX XXXX XXXX XXXX ) and manager agreed. I start making payment every month however she was not reporting the payments. I later received an email that my wages would be garnish. I called the local branch back and was told that there wasn't anything that could be done. I later called the headquarters where the attorney for the branch was located. I spoke with several reps and was told that I received the garnishment due to the manager did not let the headquarters know about my payments. After several weeks of researching, a rep from the headquarters called and told me that it was to late to try to settle however I could my payments to the headquarters and not the local branch. At that time, I was given the amount that was due which included my previous payments. So I paid the amount agreed upon for two more months however I was wanted to be completely done with the company. Therefore I went ahead and paid what I was told the balance. I called to make sure payment was received and asked for receipt of the payoff however I was told that I owe thousands more. The company is taking advantage of me and trying to scam me out of more money. Please help.

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 2022-04-26
Company: Avant Holding Company, Inc.
State: OH
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:
Throughout the months of XXXX and XX/XX/2022 I completed and submitted several applications for income-based senior housing with various facilities belonging to XXXX XXXX XXXX XXXX Most, if not all, of these applications included forms for Federal aid and required my Social Security Number to be written in multiple locations. In the last week of XX/XX/2022, I began receiving letters from various credit card issuers indicating that I had applied for credit accounts, of which I had not. I also received merchandise from an online retailer and a bill indicating that an account had been successfully opened using my information. Since then, I have discovered two additional accounts on my credit report that were opened fraudulently, one with XXXX XXXX XXXX and onXXXX with Avant. I submitted disputes with the XXXX credit reporting agencies and placed a freeze on my credit. I have contacted each of the credit card companies as the letters have come in to notify them of the fraudulent activity and have submitted a report with the Federal Trade Commission. 

Thus far, every organization has been cooperative, has invalidated any open accounts and ceased billing and reporting to the XXXX credit reporting bureaus with the exception of Avant Bank who continues to report that the account is mine. I have provided them with a copy of the Identity Theft report from the Federal Trade Commission and have submitted disputes with both XXXX and XXXX and on both counts, Avant persisted that the account was mine. I've reached out to Avant directly and they insisted that I provide a notarized affidavit and other documentation above and beyond what I have already provided and I refuse to submit to their predatory practices. I have already been sufficiently inconvenienced beyond reason by this experience and the account with Avant only exists because their organization failed to properly verify my credit information to begin with. Avant approved a credit application for an account that was applied for using a XXXXXXXX XXXX address that does not, and never has, belonged to me. I have lived in XXXX my entire life and that address could not have existed on my credit account at the time Avant recklessly approved the application. I will not be further inconvenienced because of this organization 's incompetence and inability to do due diligence in the same manner as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX, all of which denied fraudulent credit applications that were applied for using my stolen SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my fourth complaint against XXXX Incorporated. They are attempting to collect a wrongful debt from me. My pervious complaint on was closed because Ms. XXXX from XXXX replied she would sent me proof of this being my debt. Unfortunately, the proof she sent me, is still INCORRECT, the address is wrong, the address is typed in but someone wrote it in the apartment number, and it is still incorrect. I did not apply for XXXX XXXX XXXX. I have not apply to live anywhere, I have a home. This has been the worst. There a laws in place to protect consumers from wrongful debts and Im constantly being ignored. Im not being protected. This isnt my debt please block and deleted this from my credit report, it is an embarrassment to me as a consumer and hard working individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Huntington Debt Holding LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit report and I see a account is not mine I never lived on Ny and I never take any loan or debt on that country

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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)

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 2021-08-07
Company: CL Holdings LLC
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX I mailed a certifed dispute letter to JEFFERSON CAPITAL SYSTEM and they never responded nor sent back any correspondence. it has been more than 30 days!

there is multiple inaccuracies on my credit report. 
XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored.

this company is violationing my rights and they have over 1200 complaints on XXXX  they also have over 300 complaints with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Was not notified of investigation status or results

Complaint:
To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 
I have attached my ONLY 2 forms of ID to this 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 non-monetary relief
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent prove to business credit experion that thay have wrong information on my business credit my company is XXXX XXXX not XXXX and no family linkage and thay havent fix credit

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 2021-12-17
Company: HYUNDAI CAPITAL AMERICA
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021, there was a deferred agreement with Kia finance. ALL papers were signed and returned. Started receiving letters, that my account payments are passed due, at this time received my 1st letter, Tried calling numerous times, but keep getting the run around, and it has been reported on my credit report as being in default or late on payment.i reached out to them again, on XX/XX/XXXX 3way call, I co-signed for my daughter, ( same thing ) nothing solved.Received another letter XX/XX/2021, called on XX/XX/2021 resigned letter again, spoke with a guy named XXXX, was assured the deferment was completed and he received it. Well received another letter on XXXX XXXX 2021 again same thing no head way,. Just received another letter on XX/XX/2021 of this amount is past due.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio

ns 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 2023-03-23
Company: Experian Information Solutions Inc.
State: MO
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:
There was a fraudulent bank account and credit card opened in my name at XXXX XXXX XXXXXXXX. The debt on these is several XXXX dollars. I made a police report. I froze my accounts and my credit. I called XXXX XXXX XXXXXXXX easily 50 times over a matter of months after it happened in, I believe, late XXXX. Then in XXXX when I was trying to buy a house I found out it was still on my report. So I went through the process again. I disupted the report on every single credit reporting agency. I filled out a report for fraud and to the Attorney General. I sent all the information I had to credit bureaus and the fraud form I filled out. I mailed requests through usps to the credit bureaus and to XXXX XXXX XXXXXXXX. I have done everything I possibly can to get this taken care. Last resort is getting a lawyer which I really don't want to do. XXXX XXXX XXXXXXXX told me they verified the account was fraud but yet they refuse to close the report and remove it from my credit.

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 2022-03-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was NOT informed of my Right to Rescission. So I was paying my bills and then learned that I could endorse them with the money order sent through the money order instrument that they call the " statement '' They sent me a bill every month on the XXXX. I sent my endorsement XXXX XXXX. 2022 and they received it per certified mail XX/XX/2022 for the amount of {XXXX}, with an affidavit of truth. 

They chose not to accept my this form of tender even though I told them that per UCC 3-603/3-111 that I accepted their offer in the amount given and then the next payment, they denied my tender even though I put " without recourse ''. 

I have now sent them my right to rescind and an affidavit of truth, notarized, and have demanded that they give me back what I gave them when I opened up a consumer credit transaction and they took XXXX from my consumer credit account. They also gladly took a down payment of my car and gave me {XXXX} " cash '' which I have also asked for that back. I sent the right of rescission letter XX/XX/2022 and have given TOYOTA MOTOR CREDIT CORPORATION 20 days from when they receive my letter, to send me a check or it will result in civil liability for fraud Pursuant to XXXX5 U.S Code 1640.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, I was contacted by a Citibank robocall telling me that my savings account was overdrawn. I preceded to go to a local Citibank Branch to inquire what had happened. Upon my arrival, XXXX XXXX, a Citibank employee preceded to assist me with my inquiry. Upon reviewing my savings account, it was discovered that all money had been taken from my account. It was discovered that someone had enrolled me in Citibank online bank system without my knowledge or consent. ( BE ADVISED THAT I HAVE NEVER ENROLLED IN CITIBANK ON_LINE BANKING SYSTEM ) The individual proceeded to write a series of checks addressed to me and deposit them into my account and then withdrew the money that was deposited. Being that I had a balance of over {$50000.00} dollars in my account, it was able to cover the checks that were deposited and Citibank issued the funds to the individual. 

Currently, Citibank Fraud Department is reviewing my case and will contact me in writing with the results of the case. 


This was a classic case of Unauthorized Online Wire Transfers. 
Currently, I have no money to pay my bills and I hope you can assist me in getting my money back from Citibank. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported incorrectly and I would like them to be investigated and corrected : XXXX XXXX XXXX XXXX : Late payment account ( XXXX ) XXXX  : Charge off account ( XXXX ) XXXX  XXXX : Charge off account ( XXXX ) XXXX XXXX : Charge off account ( XXXX ), Charge off account ( XXXXXXXXXXXXX**** ), and Charge off account ( XXXX ) XXXX XXXX Bank : Charge off account XXXX XXXX ) XXXX XXXX : Charge off account ( XXXX XXXX, Charge off account ( XXXX ), and Charge off account ( XXXX ) XXXX  : Charge off account ( XXXX ) XXXX XXXX XXXX : Collection account ( XXXX ), Collection account XXXX XXXX ), Late payment account ( XXXX ), and Late payment account ( XXXX ) XXXX XXXX XXXX  : Collection account ( XXXX ) XXXX XXXX : Collection account ( XXXX ) I believe that some of these accounts may have been reported in error or contain inaccurate information. I would appreciate it if you could investigate these accounts and correct any errors that you may find.

Please provide me with a written explanation of the results of your investigation and any actions taken to correct these errors. Also, please provide me with a copy of my updated credit report once these corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2020-04-14
Company: CITIBANK, N.A.
State: TX
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:
DSNB MACYS XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX   XX/XX/XXXX {$2300.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$1600.00}

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 2020-04-14
Company: The CBE Group, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CBE Group is reporting a debt on my credit file that I do not owe. This debt is not only past the statute of limitations. I have never received any information about this debt. No phone calls, letters, nothing!! This is a violation of my 30 day right to dispute and needs to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I don't have access to my Equifax account and was unable to verify via photo id upload and was not given another option as to how to verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from transworld services Inc, about a debt I owed supposedly from XXXX from XXXX formerly XXXX XXXX XXXX, that is not mine. It contains the amount of {$460.00} and original account numbers and reference number s also states it original came or was sold to XXXX XXXX XXXX XXXX I can forward the email if necessary. I have never had a gas bill that I have had to pay anywhere in Missouri, and I have lived with my parents since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is not mine and does not belong to me. I have contacted XXXX and they have no record of my information. I have received several letters from the collection agency non stop and even at one point advised them it was included in a bankruptcy so that they would quit contacting me. The calls did not stop and neither have the collection letters. Since then this item has appeared on my credit report drastically reducing my score and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-18
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Greetings, I have received a second factor authentication ( XXXX ) for an account I have NEVER made on from Cash App ( XXXX ). 

I contacted their resolution phone number at XXXX XXXX XXXX XXXX to request that check their system why I was contacted and to ensure someone wasn't trying to make an account in my name. 

They refused to do anything. They refused to : - Check to see if my email had an active account attached to it. 
- Check to see if my name was used in the creation of any account. 
- Place a " do not contact '' related to my name sake or email in their system. 
- Remove any information seemingly connected to me. 
- Connect me to a supervisor ( because the front line agent refused to do any of these things ).

Company response to consumer: Closed with explanation