BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: IL
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove off my credit report 15 u.s.c 1681 sections 602 A state I have the right to privacy. 15 u.s.c section 604 A sections for 2 : it state a consumer report agency cant report with out my writing permission. 15 u.s.c 1681s-2 ( a ) ( 1 ) a person shouldnt report anything to a report agency if information not accurate or right. 15 u.s.c 1681c ( a ) ( 5 ) no consumer report agency may report containing any of these items any advice information past 7 ur

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MA
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've trying to buy a house and realize that I had damage on my credit report.According to the 15 USC1681 law there should not have any damages on my credit report.This is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a XXXX gift card for {$99.00} as a gift and I opened it for the first time on XX/XX/23 and attempted to use it to pay for dinner. It processed for XXXX cents. The rest of the card was apparently already fraudulently used by someone else. I logged into the website for the card which is XXXX with a phone number of XXXX. On their website they showed that the card was used 3 times, on XX/XX/23, XX/XX/23, XX/XX/23 and at a XXXX XXXX in XXXX California on terminal number XXXX. At XXXX, XXXX and XXXX which is interestingly XXXX hours before the XXXX  ( all XXXX of them ) in that city even open. The card was apparently listed under the name of XXXX on the XXXX website too. Which makes no sense since I literally opened the card today ( on XX/XX/23 ) in XXXX  where it was purchased and paid for at a XXXX XXXX XXXX ( XXXX ). The XXXX people asked me for my first and last name which I provided and gave poor instructions on how to report this fraud with a hint that if I follow along they might be able to do something to get my money that was fraudulently stolen back. They asked me to upload the front and back of the card and the front and back of my government issued ID, which makes me super uncomfortable and is totally unacceptable from a company who clearly lost at least some of their XXXX credit card numbers in the first place. Who is to say they won't " lose '' my private information too. As I see it they owe me {$99.00} and shouldn't make people who are taken advantage by their poor business practices jump through hoops when they are ripped off. It wasn't even clear where to upload this on their site if I felt safe to do so specific to fraud. Any help with this company is appreciated and I hope someone can figure out who is ripping money off through a XXXX credit card terminal hours before they open. 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 2023-05-09
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, I am requesting validation of an alleged debt your company is attempting to collect from me. According to your records, I owe a {$450.00} balance for NATLCRSYS. Before making any payments or discussing the matter further, I would like to ensure that the information associated with this debt is accurate. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the alleged debt : A detailed explanation of the Amount claimed, including an itemized breakdown of the principal balance, interest, fees, and any other charges. 
A copy of the original contract or agreement between the original creditor and me, signed by both parties, shows I agreed to the debt. 
The date of the original debt and the date the debt was transferred to your agency. 
Proof that your company is licensed to collect debts in my state, including your license number and the name of the issuing authority. 
The name and contact information of the original creditor, if different from the current creditor. 
Any payment history associated with the debt, including the dates and amounts of my payments. 
Verification that the debt is still within my state 's statute of limitations for collection. 
Please note that, under the FDCPA, collection activities must cease until you have provided the requested information to validate the debt. If you can not provide the required documentation, I ask that you stop all collection attempts and remove any negative news related to this debt from my credit reports. 
If the alleged debt is valid, please provide the requested information within 30 days of receipt of this letter. If I do not receive the information within this time frame, I will consider the matter resolved and expect no further communication regarding this debt. 
Thank you for your attention to this matter. I look forward to receiving the requested information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I applied for a credit card ( Mastercard ) with XXXX on XX/XX/XXXX. They ran my credit and give me a card with {$1000.00} credit line. I received the card in the mail today XX/XX/XXXX with a letter stating the APR was for 25.6 % due to my credit score from TransUnion of XXXX. The problem is my credit score with TransUnion was XXXX on XX/XX/XXXX, so my APR should not be 25.6 %. I called XXXX and spoke with XXXX in customer service and she stated she could not change anything. I asked to speak with her supervisor. I waited for 10-13 minutes for the supervisor to get on the line. Her name was XXXX ID # XXXX. She said that the customer service person already tried to change the APR, but the system would let her and there was nothing she could do about it and there was no one over her that I could speak with to get it changed either. XXXX also stated that she could not find the letter that was sent to me. She also stated that the credit rate was a XXXX score. XXXX. I told her that XXXX   scores are single numbers. The phone was quite on the other end. She didn't know what a XXXX score was. I have not activated this card yet and will probably cancel the card altogether. My credit is good and getting better every month and I don't deserve this high APR either. Please help me get this straitened out.

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 2023-03-21
Company: EQUIFAX, 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:
I have asked flagship to remove this off my credit, I did not give written consent for this loan to be reported, late payments has been reported inaccurate. This has cause several denials for other things Im trying to purchase. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX 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 instructions 15 U.S.C 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 Please remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, 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, not later than 4 BUSINESS DAYS after the date of receipt by such agency. As of XX/XX/2023 the information remains on my report.

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 2021-10-28
Company: PLANET HOME LENDING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was attempting to do a loan modification with PLANET HOME LENDING , LLC on XXXX XXXX they mailed a letter stating that they received my workout package although the was dated XXXX it was not received until XXXX. I called and they informed that would not be completing the process with me. They sold the loan to XXXX and they would be continuing the loan modification with me, but instead the where in the foreclosure process at same time. I advised both XXXX and planet homes that this was unlawful. I am victim of XXXX XXXXg.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NJ
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 recently notified Experian that I am a victim identity theft. The items in question do not belong to me. I have notified the US Courts and obtained documentation that shows that Experian is incorrect. How Experian claimed the information was verified and I would like to know what method was used to verify

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2015-04-11
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
Target corp has acted in an unfair, hostile and predatory fashion : Post divorce I agreed to make payments on our joint Target account. My ex then closed it. I entered into a payment arrangement allowing Target to withdraw $ 100 monthly from my account ( they insisted they had to withdraw-I could not be in charge of sending it ). Last summer, while unemployed, I called and requested a forebearance, but they refused. A few months later they stopped taking my payments, which I did n't even notice. after about 90 days their collection folks contacted me. I told them they were mistaken-as we had an arrangement. I was then told that they had inexplicably stopped taking payments-and needed me to reauthorize them. I agreed to contact my bank and begin SENDING monthly payments-rather than giving the the opportunity to drop the ball yet again. I did, and payments have been made evry month-however Target continues to report me late-which almost caused job issues when I became re-employed, and which PREVENTED me from purchasing my vehicle at lease end-as-according to the finance manager-the only new negative since my lease began was Target-they had dropped my score more than XXXX points! As well-I was able to secure a new lease based on my perfect lease payment history-but due to the score impact my payment went up nearly $ XXXX. When I have contacted Target-they have unsympathetically basically told me to pound sand. The only reason I keep paying them rather than letting their account go is because is because I feel it 's the right thing-but I am tempted to default-since they trashed my credit anyway-due to THEIR ERROR-nothing that I did. I want them to retract any negative late pay reporting-since they caused/instigated it ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : NATL RECOVER ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$150.00}

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 2023-05-09
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you close my complaint and say that it was already processed it earlier. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This morning I received a call from an unknown number and the lady would not provide her name, but stated she was calling from XXXX XXXX XXXX XXXX. She asked if I had received any documentation in reference to my case, I told her no in which she provided me a case number and a XXXX number to call for further details to my case because she was only able to call a verify my location. I tried asking her name again in which she quickly stated that she is only supposed to call a verify location and told me good luck and hung up the phone. I called the XXXX number given and spoke with a lady by the name of XXXX XXXX and she was calling in reference to a breach of contract between myself and Ace Cash Express, for a loan I received in XX/XX/2017 in the amount of {$500.00}. She asked if I had an attorney I stated no and I began to tell her that I did not have any loan with Ace, XXXX became very rude stating that I received the loan and when payment became due my acct was closed which resulted in breach of contract due to Ace attempting to contact me several times. I told her I had received no letters and/or phone calls. She called out an email address to me that I had never heard of and an employer by the name of XXXX XXXX XXXX. I told that was not my info for email or employer because I've been employed with XXXX for 4 years. I began to explain to her that the date mentioned above my wallet had been stolen so there was no way I created that loan and also my credit score is in the 300 's and I would never be approved for such a high amount. XXXX, once again speaking rudely, stated that she was going to document the account with my statement, but the phone was not for me to file a dispute and that once I receive my court documents I could come dispute this in court. I tried several times on the call to get some information from acct she was reading and she told me that she could not provide me the info. I'm sure that is incorrect because if you're calling in ref to any legal matters or unpaid debts, I have a right to know what's going, especially since I am unaware of this loan and know for a fact my wallet was stolen in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: BCI FINANCIAL GROUP, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
o whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit reporting 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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with explanation