BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, a charge appeared on our XXXX Credit card from " XXXX '' ( see the attached document # 1 ). I asked those with access to this card in our family if they had used any such service from XXXX XXXX, and they said no. 

I immediately called XXXX to tell them this is an unauthorized charge. They posted a conditional credit to our card for this charge. I explained to them that nobody in our family had lost their physical card, but that someone must have gotten hold of the card #. XXXX then closed the account, and opened a new card. 

Meanwhile, XXXX mailed a huge amount of documentation to me. By looking at these documents ( see attached 'huge documentation ' document ), we saw clearly that this is a completely fraudulent use of our credit card by someone out there. The charge was incurred down in XXXX, Texas, apparently ( and supposedly ) between two supposed 'law offices '? 

XXXX XXXX then turned the charge over to their collection agency, Transworld Systems , Inc. " tsi '' The XXXX XXXX documentation shows a name of " XXXX XXXX '' as the one who paid for their delivery services. We have no such person in our house, and no such authorized user of our card. 

Transworld sent a letter to " XXXX XXXX '' at our address in XX/XX/XXXX demanding payment on behalf of XXXX. I immediately wrote them a response, stating that we completely reuse this charge ; we are not responsible. No such authorized user of our credit card made that charge ; we have done no business in XXXX, TX ; we have no shipping " account '' with XXXX ( as the XXXX documentation shows ) ; no member of our family or authorized card holder lives anywhere near XXXX ; we did not order anything sent from one 'law ' office to another in XXXX ; and there is no such person here named " XXXX XXXX ''. 

On XX/XX/XXXX, Transworld sent " XXXX XXXX '' a second letter at our address ( see document # 3 ) this time saying, " Thank you for your inquiry '', and your " request for validation ''. But our previous XX/XX/XXXX letter had neither been an 'inquiry ' nor a 'request for validation ' ; it was a firm rejection of all their claims that we are responsible for this charge. 

On XX/XX/XXXX, Transworld sent a third letter to " XXXX XXXX '' at our address ( see document # 4 ) saying they had not heard back from us. I am sending them another letter today ( XX/XX/XXXX ) again, denying any and all responsibility for this charge and explaining why we are not responsible for ( see document # 5 ). 

Whoever made this fraudulent charge did so only with the card # ( not with the physical card ), as we made certain that no authorized user of our card had lost or misplaced his physical card. 

Thank you! 
XXXX XXXX ( primary XXXX card holder )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the following companies are furnishing information on my credit report that I have not given my witten express consent for them to do so which is my right under 15 USC1681b ( a ) 2. 
XXXX, XXXX and TransUnion have also violated my right to privacy according to 15USC 1681 ( a ) 4.

According to 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX I was never given the opportunity nor told that I had this option, again a violation of my rights. 
XXXX ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c It must also be noted that the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 
The referenced accounts are as follows : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Fair Credit Reporting act 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 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.

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 2023-04-03
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I file a complaint with cash app about a withdrawal of {$95.00} that occur on XX/XX/2023 at XXXX XXXX  while I was at work and I reached out to the ATM owner by the phone number thats listed on the ATM which is XXXX XXXX. and was advised if I was trying to file a complaint against a withdrawal I had to reached out to my financial institution which I have done to get my money refund and cash app keep denying my dispute the same back when I file a dispute for {$360.00} I never got my money refunded so this becoming to be a repeated pattern with cash app on not protected consumers money with disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: SUN LOAN COMPANY INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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 paid an account that was charged off with this loan company in full on the pretense that my account would be deleted once payment was made. This company refuses to honor what was told to me over the phone by their loan specialist XXXX. I confirmed twice with their loan specialist that my account would be deleted. She even mentioned a manager XXXX I'm assuming she must of confirmed with him my charge off would be deleted. Now they refuse to remove the charge off saying that they did a investigation which is not true because if they truly investigated it would be determined that indeed I was told my charge off would be deleted. No such investigation took place because I have been asking for the details of this investigation and they refuse to give it to me. How can an investigation be performed if this company doesn't record their calls they so claim. It doesn't make sense. I want to know how was their investigation performed by a district manager that was stated in my last complaint..i should know how they came to the conclusion that I was not told my charge off would be deleted..I was just told whatever to fraudulently get my money to settle a debt. This company lacks integrity and should be reported..also I heard this is common practice with this business because I found out they said the same thing to someone else I know that their account would fall off too. Just lies. I'm going to continue to pursue this matter until this is resolved. Once again I want to know how can an investigation be completed if the company says their calls are not recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : # XXXX, Account name : XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2018-12-29
Company: GreenSky, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2018, I contact XXXX XXXX  in order to pay off an outstanding debt. When I spoke with the collections agent, I requested a pay off of 80 % for a free and clear. The rep stated they could not do this, but placed me on hold. The rep then came back and offered a pay off amount that removed the interest and fees owed. I accepted, and paid my debt in full. 

On or about XX/XX/2018, I attempted to purchase a new vehicle. This deal was held up due to Greensky still reporting a debt unpaid of almost XXXX, even though 45 days previous, I paid off this debt with an amount of approximately XXXX. When I called to ask why this was being reported, I was told by the collections person that there was an additional amount due of XXXX. I explained this was incorrect. They pulled the call, transferred me to another department, who also listened to the call, and told me that what I stated was correct, however, the collection Manager was not going to honor the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals. 

Please apply these laws to my accounts the fair debt collection practices act law 111-203, title X 124 Stat. 2092 ( 2010 ) fair credit reporting Act ( FCRA ) 15U.S.C 1681 ( " FCRA '' ) please removed all this thing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was very disappointed after securing a Wayfair card from Comenity Bank when needing a new mattress. I thought I could pay the promotional balance by the end of the promotional period to avoid interest, which I managed to accomplish. However, I was unable to schedule payments more than 30 days in advance. I could not schedule a minimum payment either. With my current life circumstances, I couldn't always access my account in a timely manner because I am a single working parent of XXXX XXXX XXXX  children in a demanding XXXX XXXX field. They did refund some late fees of {$35.00} for me, but there are still two for a total of {$70.00}. So even though my charged amount is paid off and my account is closed, they are still sending me statements for late fees totaling {$70.00}. 
I complained to the customer service agent many times over the course of the 2020 about what I felt were unfair credit practices. What credit card does not allow a minimum payment to be scheduled so you never make a late payment? What credit card does not allow you to schedule future payments so you can easily manage your account with minimum amount of effort and time exerted? Comenity Bank, that's who!!! Because they are making bank off of hard working, over scheduled consumers who don't have a lot of time to micromanage their accounts. 
Now they have reported to the credit bureau and my excellent credit has dropped several points. 
I can't feel good about paying {$70.00} that resulted from their unfair and unethical business practices and I want this money refunded and my account with Comenity permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: MA
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:
My name is 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 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 2023-12-14
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed this inquires before with TransUnion. I don't recognize this inquires. 
The list of unknown inquires are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX They sent me a letter that they are correct and accurate but I did not received any proof of them. I do have a personal statement on file, I was never notified when this inquires were pulled.

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 2023-12-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report from agencies, and I have identified several inaccuracies that require attention and correction. 
Incorrect Address Information : The following addresses are listed on my credit report and are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have never resided at these addresses, and they are not associated with my credit history. 
Unauthorized Hard Inquiries : I have identified the following unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these inquiries on the specified dates. 
I am formally requesting that these inaccuracies be investigated and corrected as soon as possible. Enclosed with this letter, please find supporting documents that validate my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: Experian Information Solutions Inc.
State: MO
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:
All before XXXX today Experian has closed XXXX complaints and now emailing me about different disputes, I refuse to pay extortion money to get my real scores

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 2023-12-14
Company: EQUIFAX, INC.
State: NJ
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for eny purpose XXXX XXXX Acct XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CT
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:
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief