BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXXXXXX XXXX- XXXX {$470.00} -XXXX XXXX XXXX- XXXX {$550.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1000.00} PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( 14 ) -XXXX XXXX XXXX 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 XXXX copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
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:
I have sent multiple dispute letters to the 3 credit bureaus since the month of XXXX. I have never received any of their responses and I didn't authorize them to add these inaccuracies on my credit report. I demand deletion of these accounts as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
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:
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 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a violation of 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 2023-05-23
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I'm constantly receiving harassing calls day and night several times at all times of the day and night. They've also contacted my employer, family members, friends, neighbors, and landlord. I've asked them to stop. They continue to harass me and I want it to stop right away. If they need to contact me, all contact should be in writing only. All writing should be directed to me and only me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Navient Solutions, LLC.
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: Public record information inaccurate

Complaint:
*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against navient and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TIDEWATER FINANCE COMPANY, INC.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I obtained a Tidewater credit line from one agent in a XXXX XXXX store ( XXXX XXXX, MN ) in XX/XX/XXXX. While he quickly walked us through the terms, I believe he intentionally concealed / lied/was deceptive about interest and falsely represented this product to be interest free for one year upon which interest would resume on the balance. I signed up and paid without fail, over {$200.00} a month in hopes to pay off ASAP and avoid interest. When the year was up, they added {$500.00} of interest in the balance and warned to increase daily interest at 34 % daily if I don't pay immediately. I paid {$290.00} which was owed and requested to have the interest cancelled or resolvedas I believedI had been fraudulently misguided. 
They refusedandhave sincecalled several times harassing me and more recently ( XX/XX/XXXX ) an agent called XXXX ( ID ) called and asked me to use my stimulus pay to off the balance. At this time, they are refusing any attemptto resolve the issue of stop the interest accrueduntil the issue is adjudicated. 
I am writing in hopes that you are able to intervene in any way to prevent furtherdistress and offer relief to me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The 3 credit bureaus must remove any item 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 Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022

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 2022-10-11
Company: CCF Intermediate Holdings LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I had a loan payment due with cashcentral on XX/XX/2022 in the amount of {$280.00} that was supposed to be withdrawn automatically from my checking account. I called cashcentral on XX/XX/2022 to let them know that I can not make that payment and asked if I can pay a smaller amount of {$100.00}. I also asked to do an ACH revoke so that they could not withdraw from my account. Cashcentral agents agreed to both. On XX/XX/2022 cashcentral debited {$540.00} from my checking account which was my full remaining balance. I called my bank to have the debit removed. On XX/XX/2022 cashcentral once again debited {$540.00} from my checking account and I could not have it removed. I called cashcentral on XX/XX/2022 and they denied that an ACH revoke was even made although they have all recordings of the phone calls I made to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: NY
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MO
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. The 3 credit bureaus must remove any item 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 Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: ATG Credit, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have a medical debt on my credit report that does not belong to me, i have not seen or had this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX I became unemployed. At that time I called One Main/Spring Leaf, the local office ( XXXX & XXXX ) to inform them of the unemployed status. I explained to them I would not be able to make the monthly payment due to my current status. At that time I gave the local office my unemployment papers I asked them if I could get on a hardship program, have my monthly payments reduced, apply for a out-of-work program plan, or have my account put on hold until my change of status. With no prevail, I was not able to come to any common ground with the local office. They were no help and XXXX was very rude! I then asked for the Executive Office at One Main/Spring Leaf,  which I spoke to on many occasion going forward. The EO explained, in order to provide Any assistance they would have to run a Hard credit report, which I did not agree and could not understand the logic behind that process. Since then, the policy/process has changed and now they have to run a Soft credit report, per the EO, to provide Any assistance. Again, I did not agree and could not understand the logic behind That process. XXXX at the EO spoke with the Legal, and yet, they still could not provide a logical reason behind running ANY credit report on a consumer when Not offering any, and ( or ) more money, or issuing further credit. I explained them, yet again, I am Unemployed with no other income, and Such Status should override any credit report, regardless what is listed. Which does not matter when a person is Unemployed. As of to date ( XX/XX/XXXX ), One Main/Spring Leaf EO has not provided a logical explanation of why they choose to ruin a consumer 's credit by running unnecessary reports, which does not apply to MY current situation, or one thereof. One Main/Spring Leaf has since add multiple fees ( late charges etc. ) to my account which also Do Not Help my situation. Unfortunately, I have gotten No Where with either office, and have been Desperately been trying to communicate, discuss, and ( or ) resolve my serious issue since XX/XX/XXXX. Bottom line, One Main/Spring Leaf has no intentions on helping me or their consumer that faces unemployment situations. Their lending process is not conducive to special types of situations, and that information should be provided, prior to signing a contract or applying and receiving loans, to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, I made a payment to my CareCredit account for {$480.00}. This is a credit card that allows you to make promotional purchases at a 0 % interest rate for a period of time ( six months ). 

I currently have four promotional charges on my account that I am working to pay down as quickly as possible to take full advantage of the deferred interest. 

Their website does not allow me to allocate where my payment is applied. Instead, I must make the payment and then request a representative to allocate my payment. I waited several days after making the payment and then reached out to a representative to discuss how I would like my payment to be allocated. 

I requested that the first promo purchase ( made on XX/XX/23 ) receive {$120.00}, the second promo purchase ( made on XX/XX/23 ) receive {$82.00}, the third promo purchase ( made on XX/XX/23 ) receive {$120.00}, and the fourth promo purchase ( made on XX/XX/23 ) receive {$150.00}. I was assured by the representative that this action would be completed. 

Several days later I was reviewing my account, and while no money was missing, my payments were not allocated as I requested. This makes it more difficult for me to track my payments and balances. The allocation does not reflect my request for any of the four promo purchases, and left higher balances on some of the older purchases, which if not paid off before a certain date will accrue and interest charge. The majority of the payment seemed to go to my newest promo purchase. 

When I reached back out, I was disconnected from one chat representative, and then the second one listened to my request and told me it would take up to 60 days to correct the allocation. Already with a sour taste in my mouth I can't say that I trust anything is actually going to happen to fix this issue, nor do I think 60 days is a fair wait for an action that was not my fault. I requested to speak to a manager and was given an incorrect phone number by the live chat rep. I looked up the number on my card ( which was different than the rep gave me ) and was connected to two agents, both of whom hung up on me when I began to ask for assistance in relation to the misallocation that occurred on my account.

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 2022-04-07
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: Information belongs to someone else

Complaint:
My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain medical services and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}

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 2018-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings I have initiated a dispute with EXPERIAN to remove an unauthorized Inquiry they have failed to validated that I initated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my  EXPERIAN credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA 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 2023-05-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I SAW A XXXX XXXX OF A FRIEND OF MINE AND SHE WAS SELLING SOME STUFF SO I MESSAGED HER. WELL IT WASN'T HER I WAS MESSAGING. I DID NOT HAVE HER PHONE NUMBER TO ACTUALLY CALL HER SO I JUST MESSAGED HER. I WANTED TO PURCHASE A WASHER AND DRYER AND A GOLF CART SO I SENT HER MONEY THAT SHE HAD ASKED FOR AS A DEPOSIT. BUT SHE KEPT TELLING ME IT WASN'T WORKING AND IT HADN'T CAME OUT OF MY ACCOUNT YET SO I THOUGHT SHE WAS BEING SERIOUS ... WHEN I SENT MORE IT ENDED UP HER GETTING DOUBLE. SHE GAVE ME AN ADDRESS AND MY DAD AND I WENT TO GET THE PURCHASED ITEMS AND I LOOKED IT UP ON HAR.COM AND IT WAS A GOOD ADDRESS, BUT WHEN WE GOT THERE IT WAS AN OLD ABANDONED LOOKING HOUSE. I AM SO STRESSED OUT AND THIS PERSON OR PERSONS HAVE MADE MY LIFE SO MISERABLE RIGHT NOW. I HAVE NEVER HAD THIS HAPPEN AND HOPE NO ONE EVER HAS TO DEAL WITH THIS. I HAVE REACHED OUT TO VENMO, PAYPAL, AND CASH APP, BECAUSE SHE STOLE MONEY FROM ME FROM EACH OF THESE. I AM SO STUPID TO HAVE BELIEVED THIS. I HAVE NO MONEY TO BUY GROCERIES FOR MY FAMILY RIGHT NOW BECASUE I HAVE MESSED UP. ALL PURCHASES HAPPENED ON XX/XX/XXXX. 
VENMO- {$800.00} PAYPAL- {$300.00} CASH APP- {$500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TOTAL- {$1600.00}

Company response to consumer: Closed with monetary relief