BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Procollect - I faxed and emailed and called and disputed the collection in XXXX of XXXX   they showed on my bureau explaining this account IS MINE ; however, I DO NOT OWE A CANCELLATION FEE to XXXX because I cancelled my services within 3 days. They removed it from my Credit Bureaus ; however, they replaced it on my Credit Bureaus again inXX/XX/XXXX.. Procollect refuses to remove this from my Credit Bureau Files again and keeps taking me in circles. I requested they provide me written validation  showing I did not cancel within my 3 day rights. They said they received verbal verification from XXXX that I did not cancel within 3 days. I asked again for written proof and they hung up on me. I DO NOT OWE THIS. I am requesting that they remove this immediately from all three credit bureaus and permanently. Sincerely, XXXX XXXX account number XXXX shown on my bureaus for Procollect. Their phone number shows on my bureau as XXXX. I am trying to refinance my home and they do not care. Thank you for you 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 explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-11-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TRANSWORLD ACT # XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... TRANSWOLD IS NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I the consumer did not consent to the consumer reporting agencies reporting any false or negative information defaming my name. They are causing me emotional harm, pain, and anguish. They are commenting defamation of character against me by violating my consumer rights.

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 2020-04-23
Company: MECHANICS BANK
State: CA
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:
Amounts of {$2200.00} and {$350.00} were paid on XX/XX/XXXX to XXXX XXXX, Mechanics Bank. The total amount of {$2600.00} was applied to account number XXXX XXXX to pay the account in full. Account is still reflecting open with a balance of {$10000.00} on XXXX and XXXX. Last paid date on XXXX and XXXX show XX/XX/XXXX. 

I contact XXXX XXXX, Mechanics bank on XX/XX/XXXX to request a correction of the credit reporting and account status on XXXX and XXXX. Representative explained they would need a dispute and can be done by submitting CFPB Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Resurgent Capital Services L.P.
State: MI
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:
XXXX of XXXX, XXXX XXXX XXXX Voluntarily closed 2 of my accounts a visa and a mc that were in good standing with low balances. I was trying to make a payment and then agent overseas didnt want to take the payment from another bank account. She he said well its done. 30 Minutes later I received an email saying that they apologized that I wanted to close my account. I called back and they told me it was too late i cant open it back up. 

They put on my credit report right away, I disputed the account and they found that the company voluntarily closed account they removed. LVNV added the account back to my credit file. I disputed. Credit bureaus keep coming back saying verified, when it was not. It cant be verified because on XXXX  its listed as XXXX  XXXX XXXX XXXX on XXXX  and XXXX  it listed as LVNV Funding LLC. 

I disputed again, Credit stated that once again it was verified, but at the bottom says verified from last inquiry. 
I called in XXXX, no help. Called XX/XX/XXXX and told them to verify my debt. They mailed me to pages that just had a current amount, but nothing was itemized. I called again in XXXX to verify, they sent me a bill from XX/XX/XXXX that had revision to kinda match the price that they wanted me to pay. 
I advised them that I need the bill from XXXX when it was first closed. They refused. I called XXXX XXXX XXXX directly and was told that they can not help me. 
Lately I started receiving email, stating that they are going to forward to the local attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Santander Consumer USA Holdings 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:
I traded my XXXX truck that was financed with Chrysler XXXX back in XX/XX/XXXX to a Chrysler dealer and purchased a new truck that was financed with XXXX XXXX the dealership never paid my remaining loan with Chrysler until 4 months later. I spoke to the dealer back in XX/XX/XXXX when i received notice of the payment and they told me they would take care of it and the payoff to the loan would be made.This dealership is located in XXXX XXXX FL ... But this did not take place, now resulting in my credit to be effected majorly ... This truck loan with Chrysler XXXX since the first payment has never been late as it was set up on auto payment and they can clearly review the history to see this is the case.I would never pay my payment late ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested that the debt collector issue a 1099C ( debt forgiveness due to the financial and emotional issues I am dealing with as a result of COVID 19. The company has not even acknowledged my request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The total debt reported on my XXXX and Transunion credit report is showing as {$11000.00} and that is incorrect. The correct amount is {$8600.00}. This error has been on my record for months and I find this to be unacceptable that they are not keeping up with the correct updates like XXXX does.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries have been added to my credit report without my authorization! 

CITI CARDS XXXX XX/XX/2023 SYNCB/DKS XX/XX/2023 XXXX XX/XX/2023 I disputed them with the creditors and credit bureau but they remain on my credit report!

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 2020-09-12
Company: FORD MOTOR CREDIT CO.
State: NJ
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 been trying to repair my credit ever since XXXX has been died in 2013. It seems as though his mother who is so life has been using his Social Security number and also has been using my Social Security number. She is taking several credit cards out under my Social Security name against my home she also has used the death of her XXXX sons Social Security number to get credit cards and I can not get these things removed off of my credit Liens on my home I have worked so hard to to save my house and this woman who I cant even find has access to all my personal information and her son is my ex-husband and he is deceased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: Caliber Home Loans, Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
We have been a home mortgage Customer with Caliber Home Loans for more than an year and recently refinanced with themselves right during COVID19. They reported 1 day late payment to all 3 credit agencies which hit my credit score heavily which is adding mental stress on top of all COVID lockdown, pandemic related health concerns and managing family to stay safe. 

1. The whole world is in lockdown during this late payment time and we are unable to perform our normal tasks and live normal life. 
2. They never sent a single email even they captured our email during financing. 
2. They sent letter in postal mail about pending payment but due to COVID safety and health concerns we are unable to open the letter on time due to quarantine. 
3. They do have all our Bank information where they are withdrawing from last year and we are unaware of their stringent rules that I have to manually re set up Bank information. 
4. This is only first payment after refinancing and they did not communicate me on time and in right channels. 
5. Their phone calls are mixed with marketing calls and unable to differentiate between all their calls are coming from same number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I saw on my credit where a collection had went on. I had already addressed this issue with XXXX XXXX XXXX and another debt collection company that this was fraud. They agreed and took it off my credit. Now a year later another company is trying to collect on it

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 2020-07-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XXXX XXXX2020 I bought items from Full-beauty online clothing store using the Comenity Bank credit card for {$69.00} I also bought, items used my XXXXXXXX XXXX credit card with the same bank in the amount of {$56.00}. 

Both changes were posted to the XXXX ( or Comenity Bank ) credit card. 
I call XXXX credit dept and they posted the changes to my XXXX  card. But XXXX XXXX still have these changes posted to their bank card card. 
I have call numerous times to get the matter resolve but was told the changes will fall off in XX/XX/2020. That means my credit line in off and so is my credit report which shows what I owe which is incorrect..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third 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 XXXX XXXX APT XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
YET AGAIN THESE CREDIT COMPANYS ARE THINKING THEY ARE ABOVE THE LAW AND NOT FOLLOWING THE RULES AND LETTING THE COMPANYS REPORT INFOMATION ON MY CREDIT FILE THAT I NEVER SIGNED OR APPLIED FOR.

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 2020-02-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
To whom it may concern : I am writing because my credit report is missing information such as I was military from XXXX to XXXX. I have worked for the department of parole and probation from XXXX to XXXX. I am listed as a XXXX veteran which is not included. The debit I acquired came from the fact that I am a XXXX veteran, the creditors where notified and agreed to delete the information from my credit report and now it has not been updated. It still states that they are closed accounts and especially the students loans are still showing on all three credit bureaus. This information was provided but these accounts still remain on my reports. The older accounts should be removed especially but still remain after the fact. I would appreciate any assistance with the matter. I know that my credit score has remained in very low status even though I paid off two vehicles during this time. My employment status was never updated to Social Security Administration which start in XXXX and ended in XXXX. This has been very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
YET AGAIN THESE CREDIT COMPANYS ARE THINKING THEY ARE ABOVE THE LAW AND NOT FOLLOWING THE RULES AND LETTING THE COMPANYS REPORT INFOMATION ON MY CREDIT FILE THAT I NEVER SIGNED OR APPLIED FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Webcollex, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX keeps adding delinquent accounts to my credit report of which I do not owe. In the past XXXX months I have disputed XXXX set of multiple debts they have claimed that I owe only to have them removed and then another set ( XXXX to XXXX  debts ) added at a later date. They have resubmitted the same debt again, the same debt multiple times and never once notified me of the debt owed or any specifics to the account. I have never received any request by mail. They are currently claiming the following debts : {$180.00} opened XXXX {$290.00} opened XXXX {$290.00} opened XXXX I have already disputed these debts multiple times via XXXX XXXX and had them removed, only to have them placed back on my credit report months later...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 complaint is my follow-up to ensure that the disputed accounts are deleted. I complained last XXXX to delete the accounts which I believe to be erroneous and fraudulent, this complaint is to notify you to delete the fraudulent accounts in my file Please delete the following accounts : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Balance : -

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 2022-09-30
Company: Bread Financial Holdings, Inc.
State: AK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The company misled me into adding XXXX XXXX XXXX, which is an insurance product that I did not know about and did not want.

Company response to consumer: Closed with monetary relief