BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C.System for committing identity theft. I have never given I.C.System any permission to use my identifying to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Im demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. System can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and I.C.System continues its collection efforts. file for litigation for actual damages caused and I.C.System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are requested and required. Account # : - 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-02-06
Company: Grow Credit 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:
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. 

Account name : GROW CREDIT INC Account number : XXXX 15 U.S.C 1681 section 602 A Subsection 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ccs keeps listing info on my credit report which is inaccurate

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: MD
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 again to address the fraud account on my Credit Report. I received a letter from CFPB that Credit Bureau closed my complaint with Complaint # XXXX, XXXX, and XXXX to protect my PRIVACY. As of todays date, the 3 credit Bureau has not responded to my dispute.Below the account which do not belong to me or was opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$36000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: ENCORE CAPITAL GROUP 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 CFPB, This letter is in reference to account : MIDLAND CREDIT MANAGEMENT, Im requesting that you reinvestigate this accounts accuracy and reporting inconsistencies. 
According to the letter provided by MIDLAND CREDIT MANAGEMENT, their company ( Midland Credit Management ) DOES NOT report a PAST DUE balance to credit agencies. However, this account is reporting a past due balance of {$640.00} as well as reporting a Seriously Past Due status monthly to all 3 credit agencies, and changing the as of date each month to make the debt appear more recent, which is from my understanding a violation. This debt was purchased on XX/XX/XXXX and reported on XX/XX/XXXX. I DID NOT receive a notice of this debt, nor did I set up any payment arrangements or DUE DATES regarding this alleged debt with Midland Credit Management. Therefore there should not be a Past Due Balance. 
I am requesting that XXXX, XXXX, and XXXX verify to me how the reported Past Due Balance is accurate, if the company stated they DO NOT report a PAST DUE balance on any account. 

Also this company ( Midland Credit Management ) stated the Federal Reporting Period expires on XX/XX/XXXX. My XXXX Report is reporting this account will be removed XX/XX/XXXX, XXXX is Reporting this item will be removed XX/XX/XXXX. These dates should not be different and all 3 dates can NOT BE ACCURATE. This company is also reporting as a FACTORING COMPANY ACCOUNT on my XXXX report which is yet another false inaccuracy. Furthermore its is Unfair and Illegal to furnish false or inaccurate information to a consumers credit report. Ive attached documents with the issues described above circled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Goal Structured Solutions, LLC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am having trouble with XXXX XXXX XXXX servicer. It recently transferred from XXXX to Launch Servicing. In early XXXX I sent in my XXXX tax information for reconciliation for them to update my payment. They then claimed I owe over {$5000.00} in reconciliation and it was due immediately. The amount for that reconciliation does not make sense what so ever. I was in deferment through XX/XX/XXXX according to XXXX. I have email proof of XXXX telling me that. In the XXXX it states that deferment period will just be added on to the end of the time. There was under {$100.00} difference a month from what I was paying to what the reconciled income is. And that should have been from XXXX through XX/XX/XXXX. 

My first phone call with them was the last week of XXXX. The person was not able to help me other than saying a supervisor would review it. I then messaged them on XX/XX/XXXX. I shared with them my concerns about the reconciliation and also how when I used the numbers they provided to calculate my payment it appeared they were overcharging me. They never responded to that message. 

I then called again on XXXX and was told that my account was being reviewed and that a supervisor would be calling me in a few days. I never received that call, and I was never sent a message. I then messaged them on XX/XX/XXXX asking about what was going on. I did not receive a response until the XX/XX/XXXX and all it said was that updated proof of income would be required no matter the outcome. They have my updated income from my tax documents. As of today, XX/XX/XXXX, I still have not heard from a supervisor. I continue to receive delinquent payment letters. I had two " spam '' calls over the past two weeks, that after I looked up the number, I realized it was Launch. I assume it was just automated telling me about the delinquency because no messages were left. 

Overall this XXXX XXXX program was misleading and promoted totally differently that what it actually was. I understand the obligation to the payments I must make, but I need to have this reconciliation thing figured out. Launch Servicing appears to me in no rush to assist me and is more than willing to just sent me delinquency letters and tank my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital one auto finan # XXXX is committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports. Ive sent them letters befor but did not get any response. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a car loan or owe ANY amount of car loan and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: PA
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 XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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.

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 2023-03-11
Company: PRESTIGE FINANCIAL SERVICES 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: Account information incorrect

Complaint:
After receiving a loan denial I decided to check my credit.

Prestige Financial has been reporting erroneous information to the three major credit bureaus. The company has been reporting and increasing outrageous amounts that are false and is causing financial difficulties. The account with Prestige has been closed and charged off since 2016.

The company took the debt to civil court and was awarded a judgment in the amount of XXXX. 
Prestige has continued to report a high balance of {$28000.00} and the amount is climbing every month. 

These reporting are false and fraudulent and is causing financial difficulties. 

I no longer have an open account with this company I dont see how they are legally allowed to report increasing balances per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}

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 2023-04-13
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019, I ( XXXX XXXX XXXX XXXX Into a consumer credit transaction on XXXX XXXX. XXXX  Tower Loan which became a serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with the option to opt out of all credit reporting 15 usc 6802, ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is By willfully doing this Capital One has violated many laws according to truth and lending & fdcpa. Also all consumer credit transactions are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Financial Assistance Inc
State: OR
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 got a call from a company named financial Assistance which is a debt collection agency telling me that I owed {$480.00} from a checking account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I've never had an account with XXXX XXXX XXXX so this information was immediately alarming upon hearing. I was given the website : " reportfraud.ftc.gov '' by the collection agency so I could report the account as fraud. I have disputed this account with XXXX. And will be disputing this with XXXX, and XXXX. I do recall the locking mailboxes at my apartment complex being broken into several times back in XXXX of 2022 and a lot of mail was stolen, some containing financial documents of mine i believe, I'm sure it was used in connection to the identity theft. My question is do I go paperless with documents from here forward and how safe is that anyway. I'll be calling XXXX to open a policy I guess because I don't know what to do anymore. Seems like these cyber criminals have outsmarted the system in every way nowadays. Hope you guys figure out how to catch em soon. Thank you and good luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
{$540.00} XXXX XXXX XXXX, I have no idea of this account.

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 2021-08-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited two checks they were US Department of treasury stimulus checks that were for my brother-in-law who is very XXXX XXXX and I help him with matters like this sometimes he had just recently come home from XXXX  and had no ID whatsoever so in order to cash the check I was going to deposit it and give him the funds as he was XXXX  and desperately in need of the funds. Chase Bank cashed the first {$600.00} stimulus check without any problem they put a 10-day hold on it and then released it for which I withdrew it and gave it to my brother-in-law. The next check was {$1400.00} they put a 10 day hold on it, just as they did the first one, and then they cashed it. Then they decide to put a fraud hold on my account and tell me that I had to bring him in with ID, I tried to explain to them that he does not have an ID he's XXXX XXXX and he just came home from XXXX and he has no more money. Chase Bank told me there's absolutely no other form of acceptable ID than state ID and passport he has neither. Therefore, they closed my account it's been more than 90 days, according to my last statement they sent a check in the amount that was left in the account but I've never received it and when I call them to ask them where the check is they keep telling me that I have to bring him in there with his ID. I believe they cashed that check by mistake they should have told me I needed his ID first they should have never cashed that check I would have taken it somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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