BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Credit Corp Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was fraudulently opened in my name in XX/XX/XXXX with XXXX Bank. I did not notice the account on my credit report until the account was in default with a balance of approximately {$5000.00} in charges and fees. In XXXX XXXX or XX/XX/XXXX, I contacted the bank and they quickly acknowledged that the account was fraudulent and stopped reporting the account to the credit bureaus under my name/ssn in XX/XX/XXXX. 

In XXXX of XXXX, Credit Corp Solutions ( CCS ) acquired the debt. At some point in the fall of XXXX, I received correspondence from CCS regarding this debt. I emailed the contact on the letter, informing them that the debt was not mine and was a case of identity theft. When I continued to receive correspondence from CCS, in XX/XX/XXXX I sent them a letter via XXXX mail stating clearly that the debt was not mine. 

On XX/XX/XXXX, in response to my letter, CCS sent me a collection of statements for the account that show my name as the account holder, but which list an address in another state from the XXXX in which I live and is for a property that I had previously owned but had not lived in for more that 8 years and had sold 7 years prior to the fraudulent account being opened. Included in that correspondence from XXXX  was a blank affidavit of fraud that CCS asked that I complete and return, should the account be fraudulent. I completed and signed the affidavit and emailed it back to them on XX/XX/XXXX. I received no response for the email I sent with the affidavit. 

Despite the fact that I have clearly communicated to CCS both via mail and email that the debt was opened fraudulently in my name, to include providing them with a signed affidavit stating such, on XX/XX/XXXX I received another letter from CCS in which they are now threatening legal action to collect he debt. 

Contact information that I have on the debt collector : Credit Corp Solutions Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
No proof or verification of this debt or that the law and regulations to report, therefore all negative items must be removed. 

XX/XX/2023 the company reported this account XXXX as a charge off. Account shows balance of {$18000.00}. This account need to be removed immediately.

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 2023-05-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Had to take a COVID forbearance period in XXXX  for 6 months. At the time of taking it they had stated that at the end of it there was 3 options, pay lump sum to catch up, move payments to end of loan and would be paid back at time of selling, pay off or refinance, or do a complete loan modification. 

When the forbearance ended, they only gave me 2 options, pay lump sum or do a complete loan modification. I asked about the 3rd option and they told me on a recorded line that the VA no longer allows this. I spoke to the VA this mornning XXXX and they told me that, they don't provide guidance on that, so if the mortgage company would do that that they could with no repercussions from the VA. The VA person ( XXXX XXXX ) stated that he has dealt and heard this from many XXXX and gave me this site to help. 

PennyMac sent over the loan modification, it was basically just a refinance not a loan mod as it was to take my current loan at a rate of 2.75 % to a new loan rate of 7.25 %. This increased my mortgage from {$1500.00} to {$2300.00}, almost {$900.00} increase. They lied and took full advantage of me knowing that I didn't have the lump sum. 

Now I am struggling to pay my other bills and take care of my family due to this huge increase of a monthly payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Mid-Atlantic Finance Co., Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Mid Atlantic finance has terrible business practices and they are not good on their word when they say the payment stays the same They have received payments and I only been behind due to My job not paying me on time and not Enough They have overcharged my account They threatened to repo my XXXX XXXX XXXX car I should be able to keep my car in order to go to work I will seek legal action if Mid Atlantic does not stops with the phone calls and over charging late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not finish account without my written instructions

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 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: In progress
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As such expense, I am so disappointed that this account is reporting on my credit report and this shall not be on my credit report due to inaccuracies! According to FCRA 605B, these company only have a little of 4-5 days to remove this accounts considering that this 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 2023-05-02
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2023 I was in an auto accident with the vehicle and the police towed the vehicle because it was inoperable. I was told by my auto insurer that I needed the police report in order to file a claim. Unbeknownst to me this info was incorrect. I filed a claim with my auto insurer. However, the day before my insurance company was due to pick up the vehicle Ally Bank, the finance company, repossessed the vehicle because they said the vehicle had been in the impound lot for more than 10 days. My insurance adjuster and I have called and emailed Ally Bank numerous times with no avail. Unfortunately, I have been hospitalized twice since the accident. I also have not been able to pay my XXXX payment and now Ally states {$2900.00} which includes XXXX 's payment, late fees, impound fees, and repossession fees. I was told that I had until XX/XX/XXXX to make this payment. When I asked about how I could get my insurance adjuster to have access to the vehicle so that it could be adjusted I was given another phone number and told that I needed to call them in order to give my insurance company access. Below is a list of names, emails, and phone numbers I have gathered from Ally since XX/XX/XXXX. 

Ally XXXX, XXXX XXXX XXXX and remarketing XXXX XXXX Ally Insurance claims XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX md XXXX, MD Phone : ( XXXX ) XXXX XXXX XXXX XXXX option XXXX XXXX department Total Loss request a release XXXX XXXX XXXX until XX/XX/XXXX Insurance dept XXXX XXXX Unfortunately none of these names numbers and emails have helped us with our issue. 

Please help Thanks

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 2023-05-02
Company: Media Collections, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I tried using an electronic service to transfer funds. The transfers were unsuccessful. No explanation why was provided. Based on the information it appears the card number used is incorrect. At the time of entry, I was not made aware of any issue. I was informed that the transactions had not been executed. I subsequently received a letter from the service that they are required to pay these charges to the party that I was trying to send them to. I have not been able to confirm if they actually paid these charges and I can confirm I did not receive them in my account. 

I disputed the charges but received no explanation or information on why the transaction were initially processed then rejected but never completed. 

The disputed charges were sold to a collection agency. The collection agency is trying to collect without any knowledge of the original charges or any explanation of the original transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TN
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again.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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
I am writing to delete the following information on my consumer report. 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 consumer 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 appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my 4 kids and wife. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: KS
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:
my information was sold and bought illegally because i was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts and hard and soft inquiries on my report as well as remove false personal information that has caused me so much harm since 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  separate accts charged off high balances check fraud XXXX XXXX XXXX in system XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXXXXXX XXXX XXXXXXXX charged off i have also been sued for a XXXX XXXX  from online in XXXX as far as i know i have at least XXXX hard inquiries on my credit report i am unable to get loans or apts or a bank account i have to use prepaid cards for everything which has really affected my life i opened my own business tis year and i cant get a business loan to support my business i have suffered so much these past 4 years and i need this fixed please please help me get these things off my credit s \o i can have my life back

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 2023-11-13
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, I signed up for a trial class of XXXX XXXX- never agreeing to a membership- only a single trial session that a gym trainer asked for. 
I paid {$1.00} for that. 
I never agreed to a membership contract or a monthly membership but they fraudulently used my details to sign me up for a membership without my consent. 
I repeatedly tried to get in touch with them but they never helped and sent my account to collections. 
Aldous associates has been trying to collect my debt but they fraudulently obtained my SSN - even though I didnt get an SSN until XXXX and reported the debt. 
I repeatedly told them that these transactions reported by XXXX XXXX were fraudulent but and asked them to give me proof of any contract I signed physically but they never gave me that and my credit score is tanking now. 
its affecting my life, my financial and mental health, all for an amount of {$150.00}. I even told them I'll pay them off but will never accep tto the debt cuz its not mine and XXXX XXXX fraudulently did that - but they stil didnt help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: VW Credit
State: LA
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:
I am writing to file a complaint against Volkswagen Credit for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in regard to the reporting of my account as 30 days past due for the month of XX/XX/XXXX. As evidenced by the attached document, I paid off my vehicle in full on XX/XX/XXXX. Despite this, my account was not updated to reflect a XXXX balance and a paid-off status. On XX/XX/XXXX, I was falsely reported as 30 days past due, which is clearly impossible given the aforementioned payment information. 

As a result of this inaccurate reporting, I have suffered damages to my credit report and mental distress. I request that Volkswagen Credit rectify this situation by immediately removing any late payment reporting and taking appropriate measures to ensure compliance with the FCRA and FDCPA in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or 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
Consumer complaint received 2023-07-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original creditor XXXX XXXXXXXX XXXX  send a bill of {$2500.00}. Because of their property manager 's wrongdoing and overlooking notice in advance by emails of lease nonrenewal. To top it off the property manager sent me leasing pricing cheaper than what she wanted me to Renew. I have many claims on this property manager.

The property manager was not able to get me for any damages because I'm certainly not filthy like the residents they allow to live at the filthy building where I paid for trash service. Then comes up with bogus charges of trash on the final invoice to steal my deposit. I'm sure this property manager does this many times. Too many people. She's a theft and I will be looking into further actions to get back my security deposit and legal damages.

Then I get a bill of {$760.00} from collections clearly the property manager is playing games and think is okay to mess with families money.

Company response to consumer: Closed with explanation