BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: NC
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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX has received a certified letter as well as documentation to verify my current address, full name, ssn etc. They refuse to correct the inaccurate addresses they have listed, even after receiving proof of residency from me. Remove any names other than my full name which is provided to them with my ssn card and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received the report for the Background check that my company does each year. My mother and I have the same first and last name so her credit items, name and addresses, shows up on my credit. I would like those items removed. She died in 2012. 

Her name is XXXX XXXX ( XXXX ) XXXX. 
A couple of addresses that I'd like removed as I have never lived in SC and did not live in XXXX, FL during the dates listed are : XXXX XXXX XXXX, XXXX, FL XXXX from XXXX AND XXXX XXXX  XXXX XXXX, XXXX, SC XXXX Thank you. 
XXXX XXXX ( formerly 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 2019-07-07
Company: Experian Information Solutions Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Experian is reporting XXXX XXXX XXXX - as an active collection account - this debt was paid and settled.

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 2021-04-16
Company: Bread Financial Holdings, Inc.
State: FL
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2023 I recieved a call from Citi XXXX XXXX regarding a car loan debt ( that's XXXX XXXX XXXX ) and stated that legal action was being filed unless I settled the debt. I spoke with XXXX who went over payment options. Stated that payment had to be made only through money order ( was a red flag now looking in hindsight ) and that if payment was not recieved over night legal action woudd take place.

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 2023-05-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX My XXXX auto pay draft always goes out on time!! Citizens Bank somehow told me I missed a payment and charged me a late fee. I wasnt late as it was their problem they didnt get a payment. I was told by a banker at XXXX there is a number that all financial call for routing?? They never seemed to call. If they charge {$9.00} late fee to one million customers they get XXXX XXXX dollars!! I think they need audited and fined like you guys did in 2015. They are trying to use a glitch to get revenue from customers. Also their account fees are high. I never got {$300.00} to start with my new account?? They wanted XXXX and I dont want an IRS audit on a big transfer!! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: MD
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:
These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX opened 9-6-XXXX XXXX XXXX XXXX XXXX opened 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 2023-05-06
Company: SLM CORPORATION
State: PA
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 was contacted by Sallie Mae, regarding my student loan. I noticed last year that there was a dispute that was under my name that I had not disputed, causing my credit score to plummet. They had a dispute for my sister, but falsely claimed that I disputed this account. 
My consumer credit file again has been affected by the inaccurate and unauthorized disclosure of my personal nonpublic information, shared with a third party, the Credit Reporting Agencies. My consumer rights have been violated and Sallie Mae Bank has violated the FCRA. The payments that I have made on these loans have been misapplied, my account is showing to be incomplete, and missing accounting history. 

The consumer reporting agencies are bound by the FCRA to maximum accuracy, which clearly was not done here with the reporting of this account. Both companies have conspired together to cause financial harm in reporting payment status as being late, violating 15 USC 1666b. In addition, Sallie Mae has also violated me, the consumer, pursuant to 20 USC 1232g, the privacy act of 1974 and my educational rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number 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 an account without my written instructions.

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 2023-05-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sent dispute letters on 3 separate occasions. The first two disputes went unanswered ( sent in XXXX and XXXX ), which prompted me to send certified mail for the third and final request for removal on XX/XX/XXXX. Here is the cert mail confirmation number : # XXXX. It was delivered on XX/XX/XXXX. 

Explanation of item being disputed : - The report shows I currently owe {$150000.00} as of XX/XX/XXXX. This debt is not derived from credit and is in violation of the FCRA - FACT ACT ( XXXX ). 

- Under Court Case - 15 U.S Code SS1681 - XXXX XXXX v Experian, XXXX, XXXX this account is in violation and therefore needs to be completely removed. 

Experian did not remove the account nor properly investigated this account. Because of this, they are reporting incorrection information which is a violation of the law. I am being deprived and robbed of opportunities because of this inaccurate information

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 2018-02-02
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2017 ; I obtained a copy of my personal credit report from the 3 major credit bureaus ( XXXX, XXXX and XXXX ). I noticed an entry from a company named XXXX XXXX that is incorrect. Research revelaed that the organization falls under the umbrella of Colony Brands , Inc ; a  conglomerate of mail order companies. Knowing that this account is not mine, on XX/XX/XXXX, I sent a letter certified mail requesting VALIDATION of this debt with any proof bearing my signature. This is the burden of proof set forth by the Fair Credit Reporting Act ( FCRA ). 

I have requested that this organization produce any documentation to include an application for credit or any type of contract that bears my signature to VALIDATE this debt. They continually refuse to provide this information, yet this organization has sent me a copy of a bill, that does not meet the burden of proof according to an opinion letter issued by FTC Commissioner XXXX that is attached to this complaint. 

On or about XX/XX/XXXX, I again sent correspondence via certified mail requesting VALIDATION of this debt ; requesting that the organization provide me with copies of ANY documentation that bears my signature. They have failed to provide any VALIDATION whatsoever that the account is my responsibility, yet they continue to incorrectly report this debt on my personal credit reports. 

Additionally, this organization is in violation of Section 392.101 of the Texas Finance Code ; which states that debt collectors engaging in debt collection in the State of  Texas must obtain a surety bond and have this information on file with the Texas Office of the Secretary of State. This requirement applies to third party debt collectors as well as companies attempting to collect thier own debts. I would say that reporting negative information to ones credit bureau file is an attempt to collect a debt. 

In conclusion, this organization has not met the burden of proof and VALIDATED that the account in question actually belongs to me and is my responsibility. They have provided no proof of account ownership that bears my signature. This is a direct violation of the FCRA that requires this VALIDATION for an organization to continue to report negative items on my credit bureau file.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-01
Company: PINNACLE RECOVERY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid annual maintenance fee for timeshare to XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX property on XX/XX/2021. XXXX claimed payment was not made. I provided them with screenshot from XXXX  XXXX XXXX Checking Account including confirmation number of transaction. They ignored my communication and turned account over to Pinnacle Recovery. Pinnacle Recovery ignored my proof of payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
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:
I received my credit report on XXXX XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. there hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1581b. I also have attach the hard inquiries that don't have no purpose to be on my credit 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 2023-05-06
Company: CCF Intermediate Holdings LLC
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:
On XXXX at XXXX XXXX, I noticed an odd, missed call from XXXX XXXX on my cell. I called it back after hours and they said there was no record of my having any business with them. This was untrue, I learned on XXXX, the next day. I received a suspicious email in my personal inbox stating, " Welcome to your Account! ". 
I immediately contacted XXXX XXXX XXXX phone number and stated this was fraudulent as I have not nor would not conduct business with CCF Intermediate Holdings. 
I had the misfortune of being relayed to a XXXX Specialist who called herself " XXXX ''. I was immediately prompted to share sensitive information to verify my real identity, which I never wanted them to have, just to ascertain such a fraudulent account existed. I am concerned as to why the Customer Service Department was able to confirm with a first and last name, but their frauds department needed sensitive information. I explained as best I could with what little information, I had that it appeared an active account was opened in my name, email, and phone number. This is a fraudulent activity where someone attempted to open an account using Identity Theft. 
The representative was vague and disinterested, and I was shocked to receive next to zero support while the fraud department expressed the opposite. She was suggesting that my purported suspect may not be correct and rather surmised a ring of fraudsters was to blame. I asked how she could conclude anything prior to investigation and further what depth of familiarity with the matter she was not revealing that may help in my investigation. 
As a victim of fraud, I expected to receive empathy and assistance rather than a sense of opposition or minimally, being unsupported. As it stands, I do not believe the XXXX Department I just spoke about is legitimate and may even be complicit. The individual requested my social security number to validate an account which I was reporting as opened fraudulently and would not validate the address on file after I validated myself. They would not mail a copy of a fraud victim packet to my proper address either, insisting we communicate via email. I had to give another email address. This has yet to be validated or responded to. I was never given a reference number. 
Finally, this is actually and verifiably coming from XXXX XXXX XXXX, not an impersonator. There are now XXXX total credit bureau inquiries damaging my XXXX, XXXX and XXXX history and creditworthiness. This identity theft left a trail of concerns regarding cybersecurity practices and even within a company itself, what internal reviews are conducted to audit staff training and practices. This is unacceptable in XXXX  or anywhere in our country to be preyed upon twice, once by an identity thief, then again by the company 's own frauds department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2021-08-17
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I called Adastra Recovery Services Inc and I called them and paid the debt in full with the understanding I would have the debt DELETED from my credit report because I was going through the Mortgage Process. The representative assured me that once I paid in it would be deleted immediately and I would receive a paid in full letter. I received a paid in full letter via mail dated XX/XX/XXXX but the item was NEVER deleted and has affected my ability to obtain my mortgage. My mortgage lender requested a letter from the collection agency stating it would delete the account offer my credit report. The company is refusing to provide with a letter stating it will be deleted and he has not been deleted as of XX/XX/XXXX although I was promised by the representative it would be XX/XX/XXXX. I also called several times starting XX/XX/XXXX and was told they would not issue me such a letter and that it will do come off until XX/XX/XXXX, That is not what we agreed and it is affecting my ability to obtain my mortgage. The collection Agency operated in DECEPTIVE and HARMFUL PRACTICES and will not listen to REASON!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
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.

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 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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