BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : XX/XX/1995 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I, XXXX XXXX XXXX XXXX XXXX herby Opt-Out and do not wish to resolve disputes with Experian through arbitration.

Again, I reject the arbitration clause in the Experian interactive service agreement. 
I also reject any other clauses that were not fully disclosed to me in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, XXXX XXXX XXXX XXXX XXXX a living and breathing man of sound mind and body.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$28000.00}

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 2023-02-10
Company: TRANSWORLD SYSTEMS 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:
After receiving a recent copy of my credit report I noticed, a company shown as : XXXX XXXX was reported to my credit report per XXXX XXXX I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Worldwide Processing Group, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 - Forward Movement Recovery has been calling and leaving threatening voicemails that if I do n't call them back they will contact my family. They have called my uncle on his work phone, home phone and cell phone ; and they have called my grandparents. They are asking for XXXX XXXX, my maiden name was XXXX so they do n't even have the correct last name. 

I returned their call XX/XX/17 and they refused to give me information without telling them my social security number. I refused to give it to them so they would n't tell me why they were calling. I have my credit report monitored so I know there are no collections or derogatory information. 

I believe this is a scam and it 's very unsettling that they have my family 's private numbers that I do n't even have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: World Acceptance Corporation
State: TN
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, World Finance Corp , submitted to CFBP on XX/XX/XXXX. 
The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to World. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to World. World needs one more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. 
World Finance Corp, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. 
WORLD FINANCE CORPORAT, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan WORLD FINANCE CORPORAT {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to World Finance Corp, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXXXXXX XXXX Police report number XXXX XXXXXXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, 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:
Equifax is not accurately updating my score. They are providing false information that is almost XXXX points less than the correct score. 
I went to XXXX XXXX XXXX to open an account in XXXX they reported a low score of XXXX. I have disputed and removed numerous inquires and accounts this year. 

I requested a copy of my credit report and they suddenly lowered my score again without any notifications or reasoning explaining why. 

Equifax refuses to update my information correctly and I have children and a life I have to maintain. They are jealous and a negative entity that is now causing poverty in my life : I need an accurate score so I can always have housing and transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CITIBANK, N.A.
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:
RE : Account Number XXXX Account Number XXXX Account Number XXXX 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. 


AMEX/CITIBANK , N.A. {$480.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$440.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$54000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 explanation
Consumer complaint received 2018-09-16
Company: Experian Information Solutions Inc.
State: OR
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:
Good day, After receiving a FICO score alert from my XXXX XXXX account, it has come to my attention that a XXXX credit card account was opened and abused without my permission under my name and sent to a rental property address that we own. Please let me know if you need further information to resolve this issue. I am requesting that this account be removed from my credit reporting agencies upon receipt of this letter. We are applying for a refinance on our rental property and this account has dropped our score considerably. We believe a family friend who was residing at our rental property at XXXX XXXX XXXX XXXX XXXX for the last 7 months is the one responsible for these fraudulent accounts being opened. We know he also resides in California, but has had a history of XXXX XXXX, along with XXXX XXXX  and were providing him a place to stay while he was attempting to get his life in order. We believe he had accessed our personal information that was stored on-site at our XXXX XXXX property and used it open several credit card accounts. We have contacted the proper authorities as well. Please provide us with any further information, as we will be notifying the credit bureaus as well. We are also filing complaints with the FTC, XXXX XXXX XXXX and the Consumer Financial Protection Bureau to make sure we are not held responsible for this fraudulent account and charges. I do not understand why I did not receive any phone verification from XXXX in order to open this account. All the other creditors I have past accounts with have gone through a multiple-step verification to open a credit card account given the amount of ID theft these days.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-02-08
Company: GATEWAY FIRST BANK
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, as consumer, having first hand knowledge, beneficiary employing the Full Faith and Credit STATE OF FLORIDA non-citizen XXXX person as authorized representative extended credit to Gateway as assignee for a consumer credit transaction and permitted Gateway to obtain a consumer report without complete disclosure 31 CFR 1.32 ( c ). 
Gateway breached trust in infringing copyright in my property and furnished fraudulent reports in misrepresentation of finance charges and balances and using my personal information for profit without my authority as an ultra vires act via deceptive misdescriptions. 
No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. see Florida Statute 540.08. 

GATEWAY refuses produce evidence of consent or by what authority requires disclosure without consumer consent. see 31 CFR 1.32 ( c ). 

Identity theft means a fraud committed using the identifying information of another person without authority. 12 CFR 1022.3 ( h ). 

Gateway has made false statements alleging ultra vires claim to publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person. 

Gateway has refused to comply with my cease and desist demands. 

Gateway has been notified and continues to harass me with communications and refuses to respond to written disputes for disclosures in compliance for the Fair Credit Billing Act, Truth in Lending Act disclosures demanded that were withheld regarding the finance charge and the amount financed. 

Gateway refuses to disclose documentary material disclosing federal or respond to communications delivered in writing, proceeds held on behalf of obligor, fund approved and acquired on behalf of consumer. 

Gateways negligence has been very distressing and has put a strain on my personal life in dispute with Consumer reporting agencies. 

Gateway has threatened foreclosure alleging default as obscene language to disgrace the consumer despite demand for validation of debt compliance to Fair Debt Collection Practices Act. 

We anticipate Gateway will in good faith with clean hands address the claim brought forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I went to log in to Milestone ( link below ). When I logged in, I was prompted by an alert to enroll me in paperless statements ( which I'm certain I had already enabled ). When I clicked, " Accept '' it came up with an error page and to " retry ''. When I clicked retry, it popped up the exact same prompt as the enroll in paperless statements except that it had changed to " Enroll in credit monitoring service ''. It looked exactly the same and it wasn't until I hastily clicked accept ( since I was under the impression that I was retrying to enroll in paperless statements ) that I realized what it said. There was nowhere online to unenroll in credit monitoring so I had to call to cancel the $ XXXX monthly service it had just tricked me into cancelling. Luckily, they did not charge me for it yet. The representative took my call and I didn't have to explain. The tone of his voice sounded like " Another one of these ''. Like that was his job to take in an influx of calls about unenrolling people that had been tricked into the service. As this was a normal sign-in and wasn't repeatable I don't have logs or screen shots. 

- Tricked me into a credit monitoring service be bait-and-switch - Enrolled me and then made it inconvenient to cancel by calling ( a whole lot easier to enroll that cancel ) - Seemed that they knew of this practice when I called. 

https : //milestone.myfinanceservice.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote three certified letters and sent them out on the XX/XX/2022, to XXXX, XXXX and Experian with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. XXXX which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem. 
How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you

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 2023-11-23
Company: EQUIFAX, INC.
State: NC
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:
on XX/XX/23 and XX/XX/23 i submitted a valid XXXX XXXX XXXX report, a copy of my XXXX license and XXXX card to equifax to have XXXX hard inquiries removed XXXX XXXXequifax. everytime i do so the investigation takes XXXX hours and the items are still there. i even called a rep and she told me i was missing my XXXX  and XXXX  card. this is false because they should already have this on file. they refuse to remove the account that is fraudulent also. something needs to be done about this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was a result of identity theft, have tried to remove this account off my credit multiple times, the collector has not provided proof of validity. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Genesis FS Card Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States. Have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Omega RMS, LLC
State: IN
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:
OMEGA Investment company Showing a Balance of {$290.00} I don't have any investment transactions at all! 
Never heard of this account. It just recently appeared on my credit report not sure why Not mines! 

Action : Please remove from my credit reporting ( all 3 reports please ) Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from XXXX Credit Reporting indicating that I had a negative event occur. It turned out to be from a collection agency that claimed I was overdue in the amount of {$2800.00} to XXXX XXXX XXXX. I do not have, nor have even had, an XXXX XXXX XXXX  account. I contacted the Fraud Department at Credence Resource Management , LLC to get answers. They indicated that this was most likely fraud, and that I needed to report this to law enforcement, fill out their attached form, and send it to XXXX XXXX XXXX directly for resolution. I completed all steps, to include proofs proving this was not my account or debt. 

To this date ( several months now ), I can not reach anyone at Credence or XXXX XXXX XXXX concerning this case. No one will answer the phone or answer emails. This has lowered my credit score by almost XXXX points, which will affect any future credit I seek. 

Arbitrarily filing credit report negative reports should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Jon Barry and Associates, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paragon Revenue Group is trying to collect {$5500.00} from me. This was from XXXX XXXX XXXX XXXXXXXX in XXXX KY back in XXXX. This was a workers compensation case. They were 100 % liable. They said they didn't get the info. I took them the information probably 4 times, even had our HR at work send it too them. At the time of treatment I even had XXXX XXXX health insurance. Either would have paid for this and they refuse to bill them. I even told them to bill my health insurance and I would pay the deductible and they still won't. I mean I don't know what else to do. I pay for insurance for a reason. And my employer pays workers compensation for a reason. Every other bill was taken care of by the workers compensation and zero issues but XXXX XXXX XXXX just won't do their part.

Company response to consumer: Closed with explanation