BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to I.C. Systems on XX/XX/2022, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. 

XXXX XXXX  Account # XXXX XXXXXXXX, 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 2022-05-31
Company: TD BANK US HOLDING COMPANY
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 a victim of identity theft. Due to the XXXX XXXX XXXX we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 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 explanation
Consumer complaint received 2022-05-31
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case STATE COLLECTION SERVICE is attempting to collect as XXXX  XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Collection Receivables, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sent dues to collection agency after Id cancelled as I was moving to a different state. The gym had continued charging me and eventually sent the dues to Collection Receivables , Inc. To finalize and resolve the issue, I decided to pay the amount due months ago to Collection Receivables , Inc. After paying off, I asked them to not contact me again. Several times a couple of months later, I was still receiving emails and occasional calls from them so I decided to call them and ask them why I was still being contacted, they said the notifications were sent by error ; that I didnt owe anything and that I would no longer be contacted. Today, XX/XX/2022, I received another email telling me that I was being contacted to collect a debt with an attachment for an offer to pay off dues for a lower than owed amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Global Lending Services LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX I purchased a vehicle that was financed through Global Lending Services. I paid every payment on time, never missed a payment. I intended to refinance the loan for a better interest rate after six months. However, I never got that opportunity. On XX/XX/XXXX, I was in a car accident that was no fault of my own. Despite how horrific it was, I managed to reach out to insurance the next day, as well as Global Lending Services so that they could reach out to the gap insurance carrier. During that same call, I was advised to make the car payment for XXXX if I wanted gap coverage to be applied. So, I made the payment on a car that had been deemed a total loss. In XX/XX/XXXX, the insurance carrier sent a check. Global Lending Services failed to inform me that there were still fees and interest being applied to the account. They had assured me that with insurance and gap coverage, I would would no longer have a debt to them. Prior to the total loss, ALL payments had been made on time, and there was no outstanding balance. Under Section 623 ( a ) of the Fair Credit Reporting Act, it is prohibited for a creditor to furnish inaccurate information to a credit reporting agency. Because I was told that I had no more obligations, any late payments after XX/XX/XXXX should not have been reported. Additionally, Global Lending Services reached out to the gap insurer. That presented a conflict of interest, as the gap insurance check took four months to be sent to Global Lending Services. They received it in XXXX, XXXX and according to them, the loan was still accruing interest. Global Lending Services also violated the FCRA by reporting an inaccurate statement of the balance due. They also failed to notify me when they supplied the credit reporting agencies of negative information. Global Lending Services also violated 15 u.s.c. 1692d ( 5 ) and 15 u.s.c. 1692d ( d ) of the Fair Debt Collection Practices Act by causing my telephone to ring. The Unfair practices clause in the FDCA was also violated by Global Lending Services. 15 u.s.c 1692f ( 1 ) clearly states that ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The company intimidated me by reporting information that damaged my credit worthiness reputation. The company also intimidated me into paying money XX/XX/XXXX. I am seeking resolutions to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My friend wanted to go to a concert and arranged payment of {$110.00} with a fraudulent seller of tickets through my personal PayPal account since he had my cellphone on XX/XX/2019. 

I did not authorize the payment, and, within an hour of him submitting the money transfer, contacted PayPal directly to dispute the charge as it was an unauthorized payment that should at no point be cleared on their end. 

They replied back that they would not collaborate as it was sent as a gift. I am seeking remediation through a higher power that sees nuances in such cases and can assist further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 All 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
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
On XX/XX/2022, my husband ( XXXX XXXX ) and I went to look at a car XXXX XXXX XXXX XXXX in XXXX NC. We talked with the salesmen about how wed like to trade in my car but only for a good price and that we wanted the price on the car we were looking at, knocked down for cosmetic reasons. The salesmen, XXXX, stepped away for over 45 minutes, then we randomly received emails stating our credit had been ran, without our consent. He ran our credit before even discussing a price with us. Not for my trade in value, or for the price of the vehicle we were looking at. I am absolutely appalled and thrown back that our credit was run without our consent or authorization. Upon discovering this, we decided we would not be purchasing from them and left before theyd get the chance to run it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: State Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My insurance, XXXX, rented a XXXX pump from XXXX XXXX and covered the cost for me. However, I had to return the XXXX pump to avoid any charges, which I did. I called XXXX to send me a return label to return it ; they sent me an empty box with a return label. I put the XXXX pump in the box and dropped it off at XXXX, located at XXXX XXXX XXXX  XXXX MD XXXX, on XX/XX/XXXX ; my tracking number XXXX. When I tracked it, the package was delivered. On XXXX XXXX, I received a letter from XXXX stating that I had in my possession its XXXX pump that needed to be returned if I didn't want to get charged. I called XXXX right away to explain that I had already returned it. They said they did not receive it and will investigate, so they will let me know their findings. I said, ok, but I can not be held accountable for the pump if they did not get it because I dropped it off with their return label that XXXX provided. 

They did not call me to make me aware of anything but sent me a bill of {$500.00} on XX/XX/XXXX. I called them back again. On the billing letter, it was stated, " call on XXXX if you do not have the equipment in your possession ''. I called right away and explained to them again that I had returned the pump. The XXXX ' representative, said that was fine ; the charge will be dismissed. 
In less than a month on XXXX XXXX XXXX sent me to collection and I received the collection letter from State Collection Service , Inc . I'm reporting this unfair matter, and I would appreciate getting help regarding this matter please. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The Bank would not let me open an Account and did not give me a reason why it could not be opened. I checked my XXXX  account and I do not have anything on my report that will cause me not to be able to open an Account. This happened on XX/XX/2021 by XXXX XXXX the branch on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services is reporting a collections account on my consumer report. I do NOT know who this company is. I have NEVER done business with this company. Nor, have I EVER signed a contract with this company for anything. I also never gave permission verbally or in writing to anyone to pass my information to this 3rd party that I never heard of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: NC
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:
I just paid off a mortgage that I had paid on time always for over 20 years. All 3 credit bureaus dropped my credit score XXXX points saying I got a closed account from the mortgage company. Of course they closed my account they were paid in full. But for some reason the credit reporting agencies saw this as a negative thing..ALL # 3 MAJOR CREDIT BUREAUS! This needs to be fixed by YOU. These companies affect millions of people including ME with their unreliable credit reporting. PLEASE make them get with the program and report credit transactions CORRECTLY.

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 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
credit inquires over 90 days still on the on, some go back toXX/XX/XXXX,XX/XX/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 2022-07-14
Company: FC HoldCo LLC
State: MT
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:
Flagship Credit Acceptance ; XXXX XXXX XXXX XXXX, TX XXXX I called and asked why Flagship listed under comments " Affected by Natural Disaster. '' I explained we were not affected by natural disasters. The agent then told me that we must have been because we filed for extensions. I said we were not, and that is not accurate. She explained we must have been hit by a hurricane or tornado, which is why the comment was listed. I said we lived in XXXX, there were no such events. Then she changed the reason to Covid. I said do you have proof of that? I was under the impression that Covid-related issues couldn't be held against you from XXXX, which is irrelevant because Covid is not a natural disaster. She said it must be Covid, and they did not have a code for Covid, so it was listed as a natural disaster, but she couldn't view the notes. I asked her to remove the comment she said no. The bottom line we were not affected by a natural disaster, and Flagship can not account for an actual reason for this comment but will not remove it. A conversation was had on XX/XX/2022

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 2021-03-10
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter notifying me that the company SpeedyCash was turning my personal information into a collection agency due to unpaid loans. I never received any notification by mail or phone prior to this threatening letter. After several minutes and several phone transfers, the SpeedyCash representative advised me to get a police report filed so that the company will stop sending my personal information to a collection agency. After I filed the police report, it was discovered that SpeedyCash did not do their due diligence when giving out multiple loans in my name. They just gave the loans out to somebody with a completely different name and address with my SSN number. The detective stated that that is a huge red flag when giving out personal loans. SpeedyCash still has not put an alert throughout their company to let their people know NOT to loan any money out to somebody that is using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got the collection notice from National Credit Systems , Inc regarding my debt from my previous apartment ( XXXXXX/XX/XXXXXXXX, TN ) amount due of {$400.00}. Upon receiving notice, I have immediately contacted both credit agency and XXXX XXXX office to resolve the issue. After series of emails and evidence submission, the XXXX XXXX apartment manager sent a confirmation email to me that i don't owe anything and it was mistake of old management. I have notified same thing to collection agency. 

I have again received another letter from the same collection Agency ( National Credit Systems , Inc, XXXX XXXX XXXX, XXXX, GA XXXX ) on XX/XX/22 regarding the same issue. I have called them and notify the settlement with XXXX apartment. They were rude and threaten to put it my credit report. I have repetitively told them to check with apartment office but no positive response. I have also called XXXX XXXX and asked them to notify them. 

With all these efforts to resolve this matter, they still put the mark on my credit report today which impacted my credit score. Please help me resolve this matter and take action against this credit collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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