BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN REGARDS TO : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I REQUESTED THAT THE COMPANY DO A DEBT VERIFICATION AND VALIDATION AFTER I SEEN THIS REPORTING ON MY CREDIT FILE. I NOYFIED THE COMPANY THROUGH LETTER CERITFIED ON XXXX XXXX RECEVIED BY AGENT XXXX XXXX.I EXPRESSED IN THE DEBT VALIDATION LETTER AND DEBT VERIFICATION THAT I AM VICTIM OF IDENTITY THEFT AND THIS ACCOUNT THAT THEIR CONTINUING TO TRY TO COLLECT ON IS CLEARLY NOT MINES, AND CEASE AND DESIST REPORTING IT TO THE CREDIT BUREAUS. 
MY REQUEST AND DOCUMENTATION OF THE ADDRESS THEY ARE REPORTING WITH THE ACCOUNT I HAVE NEVER LIVED AT WHICH MAKES NO SENSE I'VE HAD SEVERAL ITEMS IM FIGHTING ALONG WITH THEM FROM THIS SAME ADDRESS. IT HAS CLEARLY GONE UPON DEAF EARS. TRANSWORLD SYSYTEMS HAS YET TO PROVIDE ME WITH A ORIGINAL CONTRACT OF SOME SORT THAT HAS MY ORIGINAL SIGNATURE AND DO NOT PROVIDE ME WITH A BOLIER POINT BILLING STATEMENT OF CHARGES. ONCE AGAIN I'M SO UPSET ABOUT THIS AND IT'S APPARENT THAT WHEN YOU ARE A TRUE VICTIM OF IDENTITY THEFT AND YOUR IDENTITY HAS BEEN STOLEN NO ONE SEEMS TO CARE. THESE THEIVES WILL GO AS FAR AS TO PAY THE BILLS TO LIVE AS YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, Equifax and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX-XXXX-XXXX XXXX   {$620.00} XXXX XXXX  - XXXX XXXX XXXX-XXXX-XXXX BAL {$430.00} XXXX XXXX XXXX-XXXX-XXXX BAL {$1400.00} XXXX   XXXX XXXX - XXXX XXXX-XXXX-XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX  {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was affected from COVID and missed a payment on my auto loan and the loan company was supposed to freeze my account intill I caught back up on the late payment. Recently I was trying to get an XXXX XXXX and got denied Bec the auto loan company reported 6 months missed payments when my account was supposed to be on freeze and the payments where paid. I tried getting a copy of the months they received payments from me and they will not give one.

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 2022-08-25
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX  FLXXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX     15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: VA
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX, I timely returned a leased vehicle to the XXXX Dealership in XXXX, CA ( " Car Pros '' ). The vehicle was XXXX miles UNDER the contractual maximum. An onsite inspection was performed at the direction of XXXX XXXX [ last name omitted ] during which they took the vehicle into their repair/maintenance section for approximately 30 minutes. Mr. [ last name omitted ] returned to me with a " Vehicle Return Receipt, '' which lists the mileage and date of return. We both signed it. He verbally stated the vehicle looks fine, and that they were going to ship it off " for auction. '' As the car was XXXX miles under the allowance, and there were no defects, damage, or noticeable wear given the low mileage, there was no discussion at all about " excessive wear and use. '' In any event, the car DID NOT have " excessive wear or use. '' On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, which has offices in CA and TX, which states " This is an attempt to collect a debt, '' demanding {$480.00} for excessive wear and use. XXXX offered no accounting or evidence of the alleged " excessive '' wear or use. And, as XXXX has had the vehicle in their possession for several weeks, I now have no means to inspect the vehicle myself. 

I find the practice of accepting a vehicle return, doing an inspection at the dealership, providing the return receipt with no mention of a further inspection or evaluation, and then sending a bill for {$480.00} for " excessive use '' to be extremely unfair and vulnerable to fraud and abuse. The consumer is completely at the mercy of the anonymous and unchecked leasing company, which obviously has an interest in charging fees. I am predicting there are other consumers who have encountered this problem. 

I called the XXXX # on the debt collection letter XXXX same as above ), and entered the last four digits of my SS # as requested, and then a recording says " this is an attempt to collect a debt and any information you provide will be used ... '' Eventually a recording told me to call back. I have not yet called back that XXXX # number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Called me at work. Told not to call at work! XXXX XXXX from XXXX XXXX>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. The following inquiries are unauthorized : XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
On XXXX XXXX, I filed Chapter XXXX Bankruptcy. I asked my attorney to reach out to my creditor Global Lending Services, about establishing a reaffirmation agreement for my car loan. A reaffirming agreement was sent to my attorney by XXXX XXXX XXXX prepared by a 3rd party representative for Global Lending Services the agreement was signed by both parties and filed on XX/XX/2020 with the bankruptcy courts. My case was discharged on XX/XX/2020. I contacted Global Lending Services by phone and email for several months trying to get them to update my account information according to the agreement so that my account would show as current however, each time I called customer service no one could help me or knew what I was talking about. I became concern about my loan going into default even though I was paying the amount identified on the reaffirmation agreement as stated they were still listing my account as past due, showing the original loan information prior to the agreement. Once my discharge was granted by the court XXXX XXXX XXXX began the collections calls every day, when I try to explain about the reaffirmation agreement no one could help me to understand what the issue was they just wanted me to pay the past due amounts they had listed on my account. Finally in XX/XX/2020, I was forwarded to a representative by the name of XXXX who told me she could not do anything until she heard back from XXXX XXXX XXXX  who handles their bankruptcy case this is a 3rd party representative. On XX/XX/2020 GLS 3rd party representative reached out to my attorney implying the original reaffirmation agreement sent by them to my attorney and filed with the bankruptcy court on XX/XX/2020 was incorrect and I would need to sign a new one and file it with my bankruptcy case which had already been discharged as of XX/XX/2020. I refuse to do this when I already have a legal binding document filed with the bankruptcy court agreed upon by both parties and approved by the bankruptcy trustee. As of XX/XX/2020, I am still waiting for them to honor the original reaffirmation agreement signed by both parties and filed with the bankruptcy court to be honored by Global Lending Services. My account with Global Lending Services has not been updated per the original filed reaffirmation agreement and they are reporting each  month the incorrect information to the credit bureaus showing me as past due. I can not get a response from anyone as to when the filed reaffirmation agreement will be honored by them and my account updated accordingly. If I can not get this resolved with CFPB help I will seek additional legal actions to get them to honor this agreement filed with the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a prepaid reward American Express credit card by purchasing fuel for aircraft that I flew. In XXXX 2016 we loaded the card with what are called " XXXX XXXX '' bringing the total amount loaded to {$930.00}. The card is offered by XXXX XXXX which is a fixed base operation throughout the United States. 

Since I had not received a new card, I thought perhaps it was lost in the mail. Concerned I checked the website and saw that the balance was still on the card. I began calling American Express to let them know that I had not received an updated card and after finally getting through, the American Express representative told me that since the card was expired I could not get a new card and I would have to forfeit my funds. 

It was apparent that the rep did not have knowledge of how this particular card works so I explained that the funds do not expire and that we can continue to load money onto the cards whenever we receive XXXX XXXX. 

The rep told me I was not entitled to the funds on my cards and for me to check the terms and conditions. His answer was without a doubt, ludicrous as I, as well as my wife and many other pilots, have had multiple AE cards in the past from purchasing fuel from XXXX XXXX and never had a problem. 

I checked AE 's Rules, Regulations and Disclaimers and there is nothing stated that the cardholder forfeit funds that were loaded onto the card. Additionally, the card clearly states that the funds do not expire. See attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was shopping at XXXX XXXX XXXX On XXXX XXXX XXXX XXXX XXXX New York, NY, XXXX. I was shopping for my daughter and when I got to the cashier I was offered a {$10.00} discount for being a member ( at XXXX ). I paid Cash but the cashier asked for my card number in order to give me the sale. I told the cashier I was paying cash and she indicated that it was just to give me the bonus that she needed the card information. I paid the balance of {$21.00} cash and left the store. I recently found out that the card was charged during that transaction. I called the company and explained what happened. I have my receipt from that day but it does not indicate my payment method I asked them to review the video surveillance from that day where they can see me hand the cashier the cash for my goods. Ultimately I called XXXX and they have begun an investigation I am worried that this would impact my credit and now my {$21.00} transaction which I paid has grown to {$85.00} dollars with fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been disputing this debt for years. This is from a dental bill which my original dentist was part of a preferred provider great. His practice was sold to another dentist and the charges skyrocketed. I asked for a detailed accounting of all charges and payments from the dentist and the collection company and they would never provide it to me. I kept telling them I was being overcharged so I left that dentist. The charges originally were supposedly {$700.00} but I could never get an accounting so I could compare what was paid and allowed by my insurance company. There seems to be no oversight on the collection agency and have reported negatively to all credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
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:
Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

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 2018-04-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Not mine inquires/ 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 2022-07-05
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-03-27
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation