BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: I.C. System, Inc.
State: VA
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:
In XX/XX/2017 I noticed that IC Systems/XXXX was shown on my credit report as a collections account. I contacted them to confirm the address for the service because I had evidence of paying my XXXX account prior to relocating out of the state of PA. The address they provided was an address that I have never lived and during the time the service was provided, I showed evidence that I was living in VA. I submitted all of this information to all 3 credit bureaus ( XXXX, XXXX  and XXXX ) so  that the erroneous information would be removed. My credit report also showed the address where XXXX service was provided and I submitted evidence to all 3 credit bureaus advising that I never lived at the address they had on file. Each credit bureau removed the collection account as well as that address listed based on the written documentation provided. At the end of XX/XX/2017, I received a call from XXXX attempting to collect on that same debt that I had the credit bureaus remove and I advised them again that this was not my debt since I had never resided at the address where XXXX provided service. I was told that in order for me to stop the collection calls, I needed to fill out a form for fraud on their website. I completed this as required but received a letter advising they would not process my online form unless I could provide a police report for identity theft.. When I contacted XXXX XXXX ( VA ) Police Department they basically advised that since I was not sure who stole my identity, I should have been able to dispute this with documentation evidencing my previous address during the time the services were provided by XXXX. On XX/XX/2017, I submitted a letter to XXXX ( attached in this complaint ) advising them of this and provided all supporting documentation to evidence that I never lived at the residence and I never heard back. Today I received an alert from XXXX XXXX that a collection account has been added to my credit report from IC Systems and the original creditor is XXXX. This has caused my credit score to go  down XXXX points. It has been 2 years since I sent the letter to XXXX and they have never responded but have sold this debt to IC Systems again and is now showing as a collection on my credit report. I have never received any information or telephone calls since submitting my letter to them 2 years ago. I have submitted a letter to the 3 credit bureaus again to have this removed from my credit file

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 2023-08-26
Company: V and H Portfolio
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Around XX/XX/2023 someone applied for a payday loan using my information. I reached out to the payday company letting them know that I did not apply for the loan and to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: SG and Associates
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They put a collection report on my account!! They are trying to collect money not owed, and they are circumventing state laws on interest and lending safety. They are using tribal immunity

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 2019-03-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX  XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX   XXXX Date:XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$2600.00}

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 explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Credit Card was notified about fraudulent charges back in XXXX of 2023. The company issued a new card and I was told that I needed to pay on the fraud charges while there is an ongoing investigation, Under the Fair Credit Act it is illegal for any credit card company to seek payment on disputed/fraud charges, The employees of XXXX have no idea what they are doing and communication with the company is lacking. My credit report is now showing a late payment on fraud charges. This is a violation of my rights and that is why I am making this complaint.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$3600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX. 
Bankruptcy chapter XXXX was filed on XXXX XXXX,2016 and Discharged by Federal Judge on XXXX XXXX,2016.
Credit reporting agencies are reporting my credit scores at XXXX and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
XXXX and Transunion has XXXX unauthorize inquiries that needs to be deleted permanently. 
XXXX has only XXXX authorized inquiries and XXXX has deleted all unauthorize inquiries from my credit report.Why XXXX and Transunion are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: FL
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:
Their investigation did not fix the issues I disputed on my credit report and it has been 30+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2019-03-07
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is now my second complaint about this same matter, as complaint XXXX received a response from the debt collector and they admit to violating my rights under the FCRA and FDCPA. 

As I mentioned in my previous complaint, I was advised by my attorney to send a " Dispute/Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Even though the delivery confirmation clearly shows that they received my letter, the debt collector did not send me validation, and instead chose to violate my rights under the FDCPA by the following : This debt collector has broken laws under the Fair Credit Reporting Act and did not address it at all in their response. Not only did they NEVER attempt to send me validation until I finally had to complain to the CFPB, but under the FDCPA Section 807 ( 8 ) they are in violation ( {$1000.00} fine ) as they did NOT notify the credit bureaus that these accounts were disputed. I pulled a credit report on XX/XX/2019 ( over a month since they received my validation letter ) and there are absolutely no notes from the creditor showing that these accounts were under dispute. I've attached that report to this complaint showing the dates, and the notes on the collection account. 

In fact, the debt collector admitted in their response to the other complaint that they didn't even submit the accounts to the credit bureaus until 23 days AFTER they received my dispute/validation request, thus violating my rights under the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, This also carries a {$1000.00} fine. They did not validate the debt yet continued to pursue collection activity by reporting it to the bureaus, and continued to report to the credit bureaus. While I have the right to take them to court for violating these 2 laws, all I ask if for them to do what they should have done in the first place and cease all collection activity and remove these accounts from my credit reports, as demanded by law.

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 2023-03-30
Company: EQUIFAX, INC.
State: TX
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:
I am re-filing this case because Equifax mailed me a letter stating that the information I am disputing on case XXXX and case XXXX have been verified and it is reporting correctly. 

For the 2nd time Equifax tells me to contact the TX Fed BK Court. I attached this letter in my first complaint showing I have contacted The US Bankruptcy court and they have stated in a letter which is attached again that they do not report information to or remove information from the credit bureaus which is unverifiable. 

Also, attached is a letter from XXXX of whom Equifax use to verify this information. XXXX letter states they have reviewed the information from the bankruptcy records and determined the data being reported as unverifiable. 

XXXX also stated that they conducted their research from the following source : XXXX XXXX XXXX. 

Please see attached XXXX, the court letters and Equifax letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: Cordoza & Wexler Recovery Services
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a phone call identifying herself as a county server attempting to obtain signature at my home or my job In order to not process documents so I dont miss my court date. Indicated that if I dont cal their number and provide file number ( no file # provided ) court proceedings will continue without my presence. Call received from XXXX. Asked to call XXXX. Person to call was XXXX XXXX. 

When I called the number a man answered and said my husband owed them, they had several conversations. Not true. 

When told to put info in writing and send through mail, he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I never received the documents to get my fair share of a resolution to the charges on my account. XXXX and {$49.00} to virtual downloads that did not work from XXXX XXXX. 
I was denied by PNC bank the never mailed me out any forms to fill out during the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently received an SBA LOAN which was deposited in my checking account. Shortly after the deposit, I received an email stating that my personal checking account could not be used for business. The electronic disclosure stated I had 60 days to transfer my funds out of my account. Two days after I received this electronic disclosure my checking account was frozen. I was unable to access my account so I contacted their customer service number so as to find out what was going on. Upon contacting Customer Service I was told that they need information to confirm that I was the intended recipient of the loan so they requested a copy of my SBA Loan Agreement, EIN Letter from the IRS, Driver License, Utility Bill, and Social Security Card. I provided a copy of everything requested only to be told that my social security number could not be verified nor my loan. I asked what was needed and they requested the same items I submitted last Wednesday. Today 7 days later I submitted the same documentation and I was told by XXXX in their security department he saw multiple social security numbers to which I stated I only had one the one which I provided. He stated he would need to call some of the former secret service agents which he knows so they can reach out to some people in XXXX. This is the most discriminatory process I have ever been involved with.

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 2023-05-16
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX or XXXX or earlier threatening person not involved to be subpoenaed in court and issues me a summons by sheriff office if I dont pay the debt by XXXX XXXX got the letter XXXX XXXX or contact them its been 11 year since this loan I dont even remember the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Movement Mortgage LLC
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:
I already spoke with the company and Paid off the bills. 
The action was taken this morning Amounts was : {$2000.00} paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CB1, Inc.
State: UT
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:
CB1 Collections is reporting an account on my credit file that I do not owe. I knew nothing about this debt until I recently checked my credit report and noticed this debt. This debt should have never gone to collections and I don't know why it's reporting but it needs to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I went to the dealership and found a car agreed to finance it through XXXX. Instead of 1 hard inquiry they forwarded my information to two other places and now I have 3 hard inquiries. The inquiries were not agreed too neither did I have prior knowledge of this. The 2 inquiries that are fraud and need to be removed are for XX/XX/2019 Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX I spoke with the finance manager XXXX XXXX at XXXX XXXX and she confirms it was a mistake on their end and is trying to remove it. XXXX has been a nightmare to deal with the reps just hang up when you try to explain the issue never did I receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

XXXX XXXX  XXXX, XXXX Inquiry date : XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation