BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: HI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

XXXX XXXX XXXX XXXX  Acct # 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 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 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 2023-04-18
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt appeared on my credit report in XX/XX/XXXX under the name XXXX XXXX XXXX XXXX. I contacted them to find out what the debt was as I had no knowledge of this account. They stated the debt was from an account XXXX XXXX XXXX. I had made them aware of my last contact with check into cash in person and of my payment to them which XXXX confirmed they saw. They then stated this appeared to be an online transaction after that date and I let them know I did have an incident of fraudulent activity after my last contact and it was noted on all accounts and my credit report for the last 7 years. In the same instance, all my checking accounts and credit cards during that period have been closed and I do not have records. I found it interesting this appeared after that note was no longer on my report. They then offered to validate the debt which in XXXX of XXXX, they sent me a letter stating they were unable to validate the debt and was removing the account from my credit report. I just opened a letter from Plaza Services LLC. stating I needed to provide them with a " voluntary '' identity/theft report on this same account. The letter enclosed was dated XX/XX/XXXX. I called them today and they stated XXXX is their affiliate for payments and they are the parent company. That they do not count the debt as being not validated and again I HAD to send the voluntary information in. I did inform them this account had been removed by XXXX from my credit report. It is not showing on my credit report at this time. The representative did not want to put in my request for validation of debt. In response I have sent an email requesting a validation of debt from them since they stated XXXX was not them. However, I am confused why they stated they are the parent company of XXXX and that if I paid XXXX it would be accepted but XXXX saying the debt was not validated is NOT accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST on XX/XX/XXXX I received a email saying I own them money from a property I lived 3 years ago and left with a lease termination. due to un live-able conditions. 
the property was sold off to a new company and now the new company is trying to collect the amounts for the rent if I lived there but my lease was terminated and keys surrender over 3 years ago. 

the debt collector refuses to provide the lease, the termination paperwork or anything to prove the debt and just non stop calls and treats against me for not paying this. 

I asked many times for the lease and they are saying they don't have to provide that to me and after I got a hold of the supervisor he was no help and told me NO. then said mail us a letter asking for it. 


I sent them a email back with this. 


I am writing in response to your repeated attempts to collect a debt from me. While I understand your obligation to collect debts on behalf of your client, I must insist that you provide me with legitimate proof of the debt that you claim I owe. 

I have received several notices from you, but none of them have provided any real evidence of the debt in question. Therefore, I am requesting that you cease all attempts to contact me until you can provide valid proof of the debt. 

Please note that your failure to provide legitimate evidence of the debt will be considered a violation of the Fair Debt Collection Practices Act, and I will be forced to take appropriate legal action to protect my rights. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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:
This account never authorized by me and is a fraudulent account : XXXXXXXX XXXX XXXXXXXX XX/XX/2015 Amounts of : 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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXXXXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I went to a dealership to purchase my car approximately 3 years ago. At the time I brought in a pre approval letter from XXXX  XXXX. I had done all the necessary things before driving XXXX miles to buy the new car. When I arrive to make the purchase the dealership was closing. They came back and told me I was denied the XXXX  XXXX loan but was able to get me a loan with Santander. The place was pretty much closed and I was left there to either sign on to a new loan or walk away with no car. I signed and drove away. The cars value was {$23000.00}. As of now, 3 years later Ive made {$16000.00} in payments ( according to Santander ) and still owe {$27000.00} due to astronomical interest rates. I have the hardest time trying to refinance the car which the car salesmen recommended I do after 6 months. I now see why. By the time Im able to pay off the loan I would have brought the car twice. Ive tried to reach out to Santander and was abruptly hung up on after I mentioned seeking legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I called Capital One regarding my Walmart credit card ending in XXXX. A representative XXXX  answered the call and enrolled me in a 90 day program for hardships. I asked more than once if my credit report could be affected specifically for 30 day derogatory reporting and he said several times no. He told me as long as my past due balance was paid within 90 days my account would be fine, return to current status with no negative credit reporting. I was extremely clear on my request and I asked several times. He even stated on that day that my account was 23 past due. I replied that the account was 29 days since the payment was due on the XXXX of XXXX to which he explained about statement dates and assured me the account was 23 days past due as of XX/XX/2023. Before I got off the phone with him I paid {$25.00} and he confirmed receipt of the payment. There was no amount given to me to enroll and he stated any amount was fine. Today my credit reports are reflecting 30 day derogatory marks. I would like these derogatory marks to be removed and the call with that CaptialOne employee to be pulled to listen to what I am staying as facts. I did call today and ask for a XXXX rep who submitted a claim on my behalf. 
I know my account is past due but I have always made my payment before the deadline and I only inquired about the hardship program because I received a notification on the CapitalOne app. Please note that none of my statements reflect a past due amount, only a minimum amount due so I have to either call to get that amount or reference past payments. In addition since the rep told me I had to make the minimum with 90 days, I even made an additional {$50.00} payment on XXXX XXXX XXXX. I would like this corrected please as I did exactly what the contracted rep stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a dispute letter on XX/XX/XXXX, as my sixth attempt to let you know that I was the victim of identity theft, and I'm writing to contest some things that the XXXX added to my file. The things I'm disputing have nothing to do with any purchases I made or authorized that resulted in the acquisition of any products, services, or money. Please prevent any information in my credit file that was obtained through identity theft from being reported. I don't know what these things are. Additionally, I have concerns about the accuracy of the information you provided on some accounts because it has been DELETED from other bureaus, and the reported payment histories on some accounts are a mystery to me. FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they were the result of the identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, I reported an identity theft last year, I did challenged that and it was dismissed, not until one of the 2 identity dismissed sue me to new jersey small claims court after I have contacted there collection agency presler and felt warshaw, XXXX, nj that that was not my account nor transaction, I told him it was identity theft and the next week, last XXXX, they mail an invoice and the transaction of the credit card activities with my info but a different address which I don't live.upon receiving the invoice the address was where my ex girlfriend used to live and I came to the conclusion she was the one who stole my identity, use my info unknowing to me and get 2 credit cards, and both address of the recipients of the card is on XXXX XXXX XXXX and when the card was received she wasn't living in New Jersey then which means someone in New Jersey mail the card to her in North Carolina where she live, and I am looking at suing comnity capital Bank for allowing a third party use my info to get a credit card without my consent. And I will need help on another transaction because the same ex girlfriend while she was in New Jersey, she moved to the address which she used to redirect the credit cards she use my info to get and she need to buy furniture and she said she was expecting some money from an accident lawsuits that she wants me to use my credit card to buy the furniture and she will make the installment payment and I bought the furniture for her with my cards and she starts to make payments as promised and within that period was when as hearless as she was stole my info and got other credit cards, she relocated out of new Jersey to North Carolina in 2019 and she stopped making payments until I received a mail from a collection agency presler felt and warshawXXXX XXXX XXXX XXXX and I told them I owns the card but it was used to buy furniture for my ex and she has been making monthly payments with her debit cards so I don't know nothing about her transaction and we were on conference call together me my ex and the collection agency and lied she has been paying and they ask her to call and mail all her payments to them which she did but she never call and lied to me she called until I was sued by the collection agency to new jersey Supreme Court and to avert any problem, I made a payments of of XXXX for the money she owes, all the proof of the payments is with presler felt and watshaw, and I would want the government to help me.get back my hard earn money.when I call to challenge her she blocked me.this is her name, XXXX XXXX XXXX she lives at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and her phone number is 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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Please provide me the date of first delinquency of this account below! It appears per the credit report, see attached, that the last payment that I made was sometime around XX/XX/XXXX? Therefore, I am guessing since I would become 30 days later after the last payment you recorded and I never again caught back up to become current on this account that the first date of delinquency would be sometime around XX/XX/XXXX. 

Therefore, this account is aged out and should no longer be reported to any bureau! 

XXXX - Acct # XXXX - This account is a charge off and should be showing as a charge off as of XX/XX/XXXX. There is an inaccurate Balance of {$3400.00} as of last month. This is scheduled to fall off my credit report in 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 2023-09-06
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing a complaint because my account XXXX on paypal gave me a credit for case numbers : XXXX XXXX However they closed the following cases and I am unable to reopen them and it is the same company and the same facts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***Also when I was refunded it said I was issued a provisional credit and that is not correct it was a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Made a purchase on my comenity express credit card on XX/XX/XXXX for XXXX. I Returned the item on XXXXOnly purchase I made of billing cycle so balance should have been XXXX and no payment should have been due. On XX/XX/XXXX I was charged a late fee of XXXX. I called customer service and was told they would waive the fee and and interest and account would be at XXXX and assured me I needed to do nothing else on my end and was in good standing. However I was charged a {$2.00} interest charge on XX/XX/XXXX and then another late fee of XXXX on XX/XX/XXXX and another interest charge of {$2.00} on XX/XX/XXXX. I called customer service again today XX/XX/XXXX hoping to resolve issue to no resolve and was only willing to waive one late fee. I have nothing to show for the {$57.00} they are billing me for as the pants I had purchased were returned. I had been told my account was XXXX out and was in good standing and no action was needed from me. I feel I was mislead by customer service and basically being charged for nothing and have nothing to show for it. Even tried speaking with a supervisor with no luck resolving the issue. I would just like my account zeroed out and closed as I have done everything on my end to try and resolve the issue. I have been a customer since XXXX and never had issues in paying late fees when I was at fault. I would expect in customer service an understanding of situation and a willingness to compromise when a king good standing customer is reaching out and being upfront about situation. Very disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: GA
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 to the Fair Credit Reporting Act.

This creditor have violated my rights.

UNDER 15 USC 1681 section 602 states i have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation