BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: LTD Financial Services, L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I faxed over Documents to the debt collector ( LTD Financial Services ) ; They are located at XXXX XXXX XXXX # XXXX, XXXX TX, XXXX. This company is trying to collect a debt that is not owed. On my XXXX credit report ; it says that they are the original debt collector. It has caused damage to my credit rating and I would like to have it removed. XXXX will not remove it stating the company says its accurate although it is not. I would call this a fraudulent civil matter. I have provided them with legal documents that states it has been Dismissed with Prejudice from the XXXX county Court at XXXX XXXX XXXX. The court telephone number is XXXX and my case number is XXXX Div : XXXX XXXX. The Judgement has been signed on the filing date of XX/XX/2017 by " XXXX XXXX XXXX '' the Conty Court Judge. The filing ID is XXXX. The amount they are trying to collect is {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2022 I saw an alert XXXX credit report letting me know there was a hard inquiry for XXXX XXXX XXXX XXXX XXXX, which I immediately did not recognize. I contacted XXXX that day, which started a dispute process for the unauthorized hard inquiry. They were able to remove this from my report within a few days. The financial institution in question 's fraud department contacted me and left a voicemail on the XXXX. I attempted to contact them via the financial institution 's fraud line number but did not reach them immediately. When I reached out again about two weeks later, they told me about the credit card opened with my information, which they flagged as fraudulent within a few days of the account opening. They were able to successfully close down the credit card and the account they opened linked to the line of credit. 

On XX/XX/2022 I received a letter from another financial institution XXXX XXXX XXXX requesting I send them my paystubs so that the loan could be processed. I of course did not recognize this financial institution. I called the financial institution and let them know my identity was stolen, they immediately closed the loan application and, presumably, the account that was opened with it. 

XX/XX/2022 I contacted XXXX to remove the other hard inquiry for XXXX XXXX XXXX, which started a dispute process. Currently waiting to see that the dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted IQ DATA INT. Several times about an open collections account shown on my credit report. I have written and emailed signed documents with the amount the original creditor submitted and was attempting to charge me. They took a {$2600.00} balance and posted {$5900.00} onto my credit report as a collection amount. They have failed to respond to any written documents Ive submitted and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2018-08-16
Company: SYNCHRONY FINANCIAL
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2018, I tried making a payment to GAP from my XXXX XXXX card using the routing and account number that is provided on the app. They declined to make this payment saying payment unauthorized. GAP took this as a cancelled payment from me. I had to call and get my account with GAP re-instated. On XX/XX/2018, I had a payment going to GAP for {$450.00}. I thought I had changed my direct deposit account over going into my ASE Savings account were I knew I wouldn't have any problem with the money coming out of that account. But due to a recent XXXX and XXXX XXXX apparently I didn't do it. So as soon as I realized this I called GAP and explained to them what happened and also made the payment by phone at the same time. I was told that it wouldn't be a problem. I also made a phone call a few days later to make sure it wouldn't be a problem and again I was told it wasn't. Well, I woke up this morning to a notice from XXXX  that my GAP account has been closed. I called and asked them why was this action taken and I was told because I had two returned payments. The first person I spoke with told me if I could confirm that the one on XX/XX/2018, was due to the XXXX XXXX policy and because I couldn't stop the payment on the other one then I could possibly get the account re-instated. This turned out not to be the case and I spoke with other " supervisors '' who didn't seem to want to look at the fact that I called when I recognized the mistake, made the payment and the other one wasn't my fault because I did not know you could put money in to XXXX XXXX but you can only use the card to take it out.

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 2022-11-02
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.

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 2022-11-02
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
There has been an ongoing identity theft dispute with Navy Federal Credit Union for the last year plus concerning 2 credit cards opened and used fraudulently as I am a victim of identity theft. NFCU on XXXX initiated a transfer of {$4100.00} without my prior consent or permission for the total of the credit cards that are currently being disputed. This violates several of my consumer rights per the FDCPA, FCRA, and XXXX as they are making collection activity while the account is in dispute, in addition these accounts are reported as being charged off on my consumer report which is causing me great harm and suffering as I am unable to extend credit as a result of inaccurate information being reported on my consumer report. There has been an ID theft report submitted from local law enforcement, an FTC report in addition to an ID theft affidavit. I have also provided previous notice from a former employer of a data breach of my SSN and previous address which these accounts were opened under.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Possible Financial 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 I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer 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 ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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 information incorrect

Complaint:
The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXX IN Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}

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 2022-01-08
Company: Auto Trakk, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
The catalytic converter was stole out of the car and tried working with the Auto Trakk while in the hospital battling XXXX. After I was not able to buy the stolen part for over three months I decide to buy a new car after several conversations with the dealership. I did not see the paperwork until after recently. I emailed and called Auto Trakk 's customer service. I asked for someone to send a copy of the breakdown of the charges of {$1800.00}. A copy of the what i have paid and what was applied. I paid {$200.00} per week for over 57 weeks. The amount of XXXX paid and I still owed over 12K and an additional XXXX  paid on my new loan. Auto Trakk is refusing to send the statement of paid amounts and the what the monies paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I keep getting multiple phone calls from XXXX stating that it is PNC Bank saying that I have been preapproved for a loan. I have tried to contact someone to tell them to stop calling, but when I call from my office phone I am placed on hold and then it hangs up. This is stressing me out, because I know it is not PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX reporting incorrect payment info. Account is paid in full with no past dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account name : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I called Fortiva about my amount that was due as I always do each month. This was done on XXXX the XXXX, XXXX.It was reported that my balance was XXXX which I do not have more than a XXXX. Not only this but that the last charge was XX/XX/XXXX. Which was posted XX/XX/XXXX? Whats wrong with this picture? Not only did I not make the charge but why did this not raise a flag with Fortiva? Maybe unauthorized. I had paid XXXX, and XXXX payments early and above the minimum payment. Where did those payments go????? I was about to make a monthly payment when I heard this on the automated recording. Got with a live customer service 3 times on the phone Never got it straight nor could anyone even mention where my payments had gone nor even comprehended fraud ; I continued to call to straighten out. with zero help. I will not pay Fortiva another dime.. Is this company a wash? A false credit card? please help me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Consumer # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX 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 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 2022-12-03
Company: EQUIFAX, INC.
State: DC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint against I C systems Inc. I do not know who this company is and what this debt is about. I have been working on cleaning my credit report on my own. As of XX/XX/2018 XXXX added this to my report and flagged it. This may be a dispute I had removed and XXXX continue to allow these negative collections to be add to my report under different creditors. I don't feel this is right. I am working hard to achieve the American dream and XXXX continue to set me back. I ask that you please remove this from my report immediately. Thank you for your time and consideration

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