BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX, XXXX have no contract / agreement with Midland Credit management. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is XXXX XXXX XXXX XXXX and I didn't agree to a contract with them either. I formed an agreement with XXXX XXXX which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. 

If Midland Credit Management can Produce a Valid contract between XXXX XXXX and Midland Credit Management stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/2019, I have tried to verify a freeze on my credit report. 

At XXXX, I receive an error " We are temporarily unable to complete this request. Please try again later, '' which Equifax confirmed by telephone is not a problem with my login, password, network, etc., but is instead an error originating on their end, for which they have no timeline for resolution. 

By chat, Equifax informsed me that they are unable to assist me. 

By telephone, Equifax refuses to assist me, stating that they can not confirm my identity because my answers ( e.g., about current lenders, minimum payments, and ironically, about the current freeze status of my account ) do not match my credit report. 

Assuming my freeze request was executed last fall, I am unable to open new lines of credit or apply for new loans, until Equifax permits me access to my account. Assuming my freeze was not executed, Equifax is denying me my mandated right to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: LA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-30
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
The companies that I submitted have made inquiries on my account without my knowledge and have chosen after receiving my first complaint to leave them there due to specifics instead of verifying that it was allowed initially ; which is unlawful. 

15 USC 1681 a 2 ( A ) i

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Fraudulent mail received XXXX XX/XX/2021 through USPS. Mailing had a Chime VISA Debit card enclosed activate your card in the Chime app. Letter inside claimed Set up Direct Deposit with Chime & get paid up to 2 days early. Sign and deliver this form to your employer or payroll provider, and watch the magic happen. 
But there wont be any magic. I did not activate the debit card. The only magic this bank will see is a consumer complaint for fraud. XXXX XXXX, XXXX legal editor and Attorney, writes in her article What Should I do if I Get a Credit Card That I Didnt Request in the Mail? : Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). 
The bank even sent a text message regarding the mailing on XXXX XX/XX/2021 via number XXXX. Hi, XXXX. Chime here. Youve got mail! Your Chime Visa Debit Card was delivered in a bright green envelope. Text STOP to unsubscribe. 
I never requested a credit card with this bank. I never ever contacted this bank. I never opened an account with them. What the bank will need to address is how they got my personal information. All illegal. All fraudulent. All unsolicited. This is financial fraud against seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXXBalance : {$510.00} XXXX XXXXXXXX**Balance XXXX {$0.00} XXXX XXXX****Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} USDOE/XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: LA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Navy Federal Credit Union allowed an account to be opened in my name without my permission by someone who stole my information. The account was opened using my Access number and my correct personal information that was obtained as a result of identity theft. I have personally gone into a Navy Federal branch multiple times and explained that the account they are reporting against me and have now sent to a 3rd party collection agency was as a result of identity theft. I have also provided Navy Federal a written notification that I disputed the debt as fraud and told them that the account they are reporting against me is fraudulent, and I also provided them a recent police report. Even after dealing directly with Navy Federal they not only refused to remove the fraudulent account out of my name, they took the account and immediately sent it to a 3rd party collection agency when they plainly were told the account was fraud. This is not my account and I did not open the account and I did not provide my information to anyone else to open an account in my name, however Navy Federal refuses to act in a reasonable manner and have violated the FCRA by sending an account disputed directly with them as fraud to a 3rd party collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX  - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: Santander Consumer USA Holdings Inc.
State: LA
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 have no knowledge of the following inquiry : Santander Consumer UsaXX/XX/2018 Please investigate to ensure there is no fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: SYNCHRONY FINANCIAL
State: LA
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 have several inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them.      XXXX    XXXX   XXXX    XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX   XXXX / XXXX / XXXX ,  XXXX ,  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  The company said the inquiries were verified which can not correct as I did not apply at any of the companies.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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.

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 2020-08-03
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
There is a class Action lawsuit on Santander Consumer USA right now. We got a loan with them in XX/XX/XXXX for a new XXXX XXXX. The loan was {$27000.00}. I have paid on this car for almost 4 years and they are telling me that I owe over {$19000.00}. This is impossible. I also added to do extensions with them and they never disclosed increased interest rates or anything. My balance never seems to decrease. I filed bankruptcy for myself in XX/XX/XXXX. They refused to do a payment extension or anything g to help me unless I signed a reaffirmation on the loan. My husband was on the loan as well and did not file bankruptcy. The interest is outrageous and we were put in a loan that was near impossible to pay but we had to have a car. After the bankruptcy discharged I figured out that they were not reporting our payments to the credit bureau. Not even for my husband. When I called they told me that they didnt have to report the payments. I told them that I signed a reaffirmation and that my husband never filed bankruptcy. They acted like I was crazy and didnt know anything. I am certain they have added unknown fees, etc to my account. They refuse to help you and act super rude anytime they are questioned about anything. I just became aware of this lawsuit today while looking at their website. I feel as if my loan should be included. Our credit bureau reports do not even show a loan for either of us with them. I asked them what would happen if we didnt pay the loan since it wasnt in our credit bureau reports and they told Me they would come after us and they would make us pay. They are like punishing my husband in a way even though he never filed bankruptcy. The payment is {$510.00} per month for a $ XXXX {$12000.00} car. That is a house payment for our area. How can that much money still be owed in a car when it only XXXX XXXX XXXX at around d $ XXXX {$4500.00}? They gave us a loan when we never thought it was possible. We owed a lot at the time, but they made it sound great at the time and we had to have a car. It makes me sick that we have been done so wrong with this company. I am behind on payment now and they told Me before that they would repo if we defaulted, even though they do t report anything g in us at all. That doesnt seem right to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: WorldRemit Corp.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/2021 i sent XXXX dollars to my sister in XXXX with world remit money transfer after 2 or 3 days they texted me saying that my recipient got the money but the next day my sister called me and said when she went to the bank to pick up the money there was no money so i called the customer service twice to find out what happened to my money and they keep telling me they are still waiting communication from a local partner that they will get back to me as soon as they find out but im still waiting for them to get back to me, in the meantime my money is lost. i just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, 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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Lease trader which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NY
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit reportXXXXXXXX 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 2022-08-30
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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