BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX finished my policy and they still attempted to collect without notice XXXX XXXX has 2 collection agencies after i closed the account and never had a contract with them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX . They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I have ordered 3 of my credit reports from the major credit bureaus I want them to do right by me as a consumer by federal law, as well as the credit bureaus.

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 2023-10-18
Company: EQUIFAX, INC.
State: OH
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. 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 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 2023-03-06
Company: EQUIFAX, INC.
State: MI
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:
Hello im submitting this complaint because the following account is being reported by EQUIFAX inaccurately and in violation of 15 US CODE 1681b ( a ) ( 3 ) ( f ) which states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 


The original account in question which is XXXX XXXXXXXX XXXX  is no longer owned by the collection agency THE BUREAUS which is a violation of 15 US CODE 1681b ( a ) ( 3 ) ( f ) because i have not initiated any business with this company and i i have no terms of agreement to meet with this account, therefore should not be reported by EQUIFAX. Here are the account details : THE BUREAUS/XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report on XX/XX/2022, and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these reporting Accounts : XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$420.00}

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 non-monetary relief
Consumer complaint received 2021-04-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with Chrysler capital through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. Chrysler Capital manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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: Account status incorrect

Complaint:
Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance.

Please provide physical verification, method of verification, and validation of debt for this account. 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft, as a result many accounts such has banks and credit cards were opened in my name. I have directly sent documentation as well as letters to this company and the credit bureau maintaining my financial information and the item is still being reported and even was sent to another company to collect on the account. This has adversely affected my credit rating. Notarized affidivats were mailed directly to the companies

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 2019-09-18
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My son lived with 2 other people on the same apartment. This was at XXXX XXXX apartments unit XXXX. XXXX NJ. After my son died on XX/XX/2017. I got notified by XXXX XXXX XXXX that I owed {$1000.00}. I have many copies of fraud used by my son or the other 2 in the apartment. Clearly my son and someone else forged and committed a crime by using my infomation. I ha e sent out numerous proof and nobody has respectfully responded. A big company like this always committs fraud. They need to be help accountable. 
Also when living at apartment XXXX. My son stole an XXXX and a gold watch as per XXXX. he went to jail shorly afterwards and XXXX   because of a XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX  XXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/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 2020-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Representative call had me on hold and said I was number three in queue then started stating my name and social she never identified herself or did the disclaimer that she was a debt collector its portfolio recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Southwest Credit Systems, L.P.
State: NJ
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 was checking my credit report and saw some unauthorized and unvalidated inquiries and a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, 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:
I recently pulled my credit report from XXXX XXXX  and I saw a few hard credit inquiries that on my credit report without my knowledge. On XX/XX/XXXX, I contacted the credit bureaus and they stated that I need an FTC report to back my findings. I did not authorize any of these credit inquires. This is done by Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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:
Experian is refusing to comply with FCRA and investigate fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX Experian 's false claim that I did not authorize my own complaint is rediculous as I provided all required information including last 4 digits of my SSN, full name and date of birth AND attached an FTC identity fraud affidavit (!!! ). Please have Experian comply with the credit reporting law.

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 2023-04-20
Company: Alorica Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Already have another complaint active with them about communications. They are delaying their " investigation '' and calling an average of XXXX times a day. This is harassment, and it will end. If this gets yet another automated/scripted response I will look into legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive used square inc only once did not do anything that violated XXXX received only one payment the immediately froze my account with {$1500.00} in it and are refusing to release it until XX/XX/XXXX. 

I dont need them to reopen my account i never want to use them again but they should immediately release my funds that they have no reason to hold

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i keep getting debt collection notifications from American Coradius International about debt that does not belong to me from " Bill Me Later '' service through " XXXXXXXX XXXX ''. No additional info is given, no date of service, no explanation as to what this is. Calls to them just go to an automated service that isn't helpful and quite frankly i'm not even sure if this entire thing is legitimate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: MD
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 obtain my credit report and noticed several accounts i did not authorize

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 2023-10-18
Company: EQUIFAX, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
Company: EQUIFAX, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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 status incorrect

Complaint:
These loans were secured ties ..the school went out of business. The fraudulent school status to receives grants that were not accredited I was unable to secure a job, they obtained loans without accreditation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: LA
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 pull my Equifax credit report and saw that my report had errors on it from this particular account. Showing High balance is lower than owed balance, high balance is showing {$7600.00} and owed balance is showing {$9600.00} please removed this immediately from my report. 

XXXX & XXXX Account number XXXX High balance : {$7600.00} Owed balance : {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: MD
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 the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 2018-04-19
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sears has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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