BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The first time I call this company a lady answer the phone and I told her I wanted to settle this debt. She told me that the city of XXXX do not settle any debt. I call another time and spoke with a guy about payment options and what I can pay on a month to month based. I did made a payment towards this account for XXXX . I am disputing because I want to settle this debt and have it removed from my credit report file. On My credit the balance is showing incorrect. 

Attached will be the photos from my XXXX XXXX account about this collection. 

XX/XX/2018 payment of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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:
I am no longer disputing 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 2018-07-25
Company: Experian Information Solutions 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:
XXXX XXXX XXXX has agreed to delete this tradeline from my credit report. They provided AUD # XXXX as proof of the deletion.

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 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have several inquires on my report that I did not authorize.

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 2023-08-09
Company: EQUIFAX, INC.
State: OK
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment for {$3400.00} was send on XX/XX/23 to Ally. They endorsed the check on XX/XX/23. This amount still have not be credited to my account XXXX. Provided Ally a copy of the process check on XX/XX/23. Talk them today and they open an investigation ( take up to 14 days ). Also, I have problems with them processing larger payment {$1600.00} on XXXX. It took Ally seven days to credit my account. Payments under {$500.00} will be applied the next business day.

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 2021-08-22
Company: Experian Information Solutions Inc.
State: CA
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:
On Sunday XX/XX/2021 I received an email from experian indicating that my email address was changed. 

I immediately tried to check what really happened as i never changed my email address or made any other changes to my experian account. I could not login to my experian account. I called experian and after talking to fraud and membership team, i realized that my email address, phone number on experian account was changed and I no longer had any access to my experian account. I tried to place a fraud alert and security freeze on my credit file at experian. Experian sent a pincode for the credit freeze but i did not get the pin at my email since that was changed. So at this time, the pin is with the person who has changed my account details. Experian asked me to wait for 72 hours before they could help in restoring my account.

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 2019-02-01
Company: Experian Information Solutions Inc.
State: RI
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:
Some account have been pay off and credit score never has gone up

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 2018-07-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Some one retrieved my information and opened a Zales credit card in my name before I turned XXXX I reached out to Zales and was told I'm responsible for this debt I'm a senior in high school with no job. I don't know how this was possible being that I'm a minor. I'll be starting my life once I graduate high school with credit impact due to identity theft Zales account is over 3000.00 opened in XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Avant Holding Company, 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:
These accounts were open without my consent, I have notified the companies and told them numerous times and same results, I need these off my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: AZ
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was a student Housing apartment in XXXX Arizona. I signed a lease, I left when I was supposed to. I think the Company who owns the apartment, mixed my room with somebody elses or possibly one of my many roommates that I had within my lease agreement. I never signed another lease. That wouldnt even make sense, why would I have another lease in my name when I was living at XXXX XXXX XXXX XXXX XXXX XXXX Arizona, which I can easily provide documentation for. This is beyond ridiculous, I thought this would have been off my report by now. I have tried to dispute with XXXX and they refuse to take it off my report and verify it valid every time. THIS IS NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: TX
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:
Recently pulled my credit file from all 3 credit bureaus and was overly shocked. I discovered credit inquiries on all 3 not authorized by me. What a travesty! Guessing, like our government, you can do what ever pleases you without any permission.

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 2023-08-09
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Oracle Financial Group LLC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I  paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I  tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/google and left a voice mail and have not gotten a response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB, I contacted PNC Bank last week in regards to a check that I wrote to myself from my XXXX Account. I deposited the check on Monday XX/XX/2018. The disclosure on PNC mobile bank state that funds would be deposited within 2 business day. I waited the 2 business days and no funds were deposited to my PNC checking account. I contacted PNC on Friday XX/XX/XXXX and the representative told me I had a hold on the check and would be deposited to my account on XX/XX/2018. I checked my account today XX/XX/2018 and no funds were deposited. I contacted PNC again in regards to my missing funds and now are telling me because it is a new credit card now the funds are being held until XX/XX/XXXX. I advised the PNC representative that I have written numerous checks payable from myself from my XXXX account and do not understand why the bank is withholding funds that I need to pay a bill with. No one has helped me at all and I feel the bank is taking advantage of me. Without the funds, I can not pay a bill and is negatively impacting me. It is extremely unfair that PNC is withholding funds and keep being changing their reasoning why they won't give me my money, and if anything keep changing the story on their end. It appears to me that they simply want to take advantage of me and the situation. I am writing for assistance from the CFPB to help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-25
Company: EQUIFAX, INC.
State: TN
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:
15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy. 
XXXX is involved in a Car Loan Class Action. I demand these accounts be delete immediately. 

I've been sending equifax an original copy from XXXX XXXX XXXX stating for equifax to delete and default payments from my report and I have not gotten a response and it has been past 90 days with no response. 
My Information was impacted by the Equifax Data Breach

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: CT
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 filed a police report on XX/XX/2019, my information was compromised in one of the various data breaches in our country. I have hired a law firm and given proper notice to the credit bureaus, however the credit bureaus have taken no remedial action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: VA
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:
All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy

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 2017-12-21
Company: AFNI 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:
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 accept this letter as a written request to dispute the following account information of items appearing on my credit reports. To prevent any confusion, I have listed the item and account number below : XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and 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 explanation
Consumer complaint received 2020-10-21
Company: American First Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX XXXX..I called American first finance to confirm the amount owed for furniture/oven ... .then I asked my concerning question..since you are automatically drafting my payment each month ..will my payments be equivalent to the amount owed..and the coustomer service rep..answered yes ...

Now I pulled my report and it states that I owe..what I started out with for both merchandise ... 1st total was $ XXXX..paid out {$840.00} 2nd total was $ XXXX..paid out XXXX 
Now it's back to the original amounts I financed ... this is robbery ... that's why I asked the rep would it be equivalent to the amount owed..I never missed a payment..please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account 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: In progress
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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:
I am writing to dispute fraudulent charges on my account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.

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 2018-03-12
Company: Key 2 Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Key2 Recovery, of XXXX XXXX, OH made several phone calls to our home phone, trying to collect on an alleged debt of our youngestDaughter, XXXX XXXX, who has not lived with us for several years. We told Key2 these facts, and that the alleged debt was not that of my wife or myself, and that we had not guaranteed anything for XXXX, and hadn't co-signed, etc.We told Key2 to stop calling us. ( We also had not received anything written from Key 2 before or after these harassing phone calls. ) Key2 said they would stop.

On XX/XX/XXXX, Key2 began to call us again, using cellphone numbers, and also began to call our oldest Daughter XXXX on her cellphone as well. XXXX also does not live with us. Key obtained these cellphone numbers of our Family in an illegal process called 'skip-tracing '' ; which violates consumer protection laws as well as privacy laws. The cellphone calls may also violate the TCPA.

Key2 has also called friends of XXXX  on this alleged debt, and seems to have contacted her employer. This adds to the illegal business practices of Key2, and would seem to violated Title 5 of the Federal Trade Act ; as this is an Unfair and Deceptive and Abusive act by Key2.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation