BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company, Phoenix Financial Services, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, Indiana XXXX, sent me a bill that they claim is from another company from XX/XX/16. I have never hear of the current creditor, XXXX XXXX XXXX, or the original creditor, XXXX XXXX XXXX. They say they can not sue me because of the age of the bill but they threaten to ruin my credit rating. They also say I can pay a reduced amount if I answer quickly. I think this is a scam. 

Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This morning at XXXX on XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP was added with an open date of XX/XX/2018. On XX/XX/2018 i received the same notification on my XXXX   credit report, upon receiving this notification i immediately contacted XXXX  and CFPB to dispute this Debt collection that did not belong to me and it was removed and deleted by Credit Management LP on XX/XX/2018 ****Copy of previous dispute on XXXX This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state. This Debt was disputed and removed from XXXX approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated. This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees. 

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Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
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:
Equifax removed my active XXXX XXXX credit card from my credit report by mistake. The XXXX XXXX credit card is active that is my mine please add back to my credit report XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
So my Paypal account got limited last year for no reason .It has {$750.00} in it. Paypal then emailed me saying that in XXXX days I will able to withdraw my money out of my account. It has been XXXX XXXX since that email! I've tried calling customer support many times and they keep telling me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Auto Finance has billed me for {$120.00} as an outstanding debt and reported it to the credit bureaus as default debt. This has driven down my credit report over 24 points and I am recovering from  bankruptcy after my wife had XXXX & we could not afford the medical bills. Ally Auto is really horrible about updating their records. For instance, I had a closed file on a leased car, my 6th leased car from Ally, and the account was closed in good standing. They had the account listed on my credit report as open and somehow written off under bankruptcy. That issue of false reporting was solved after no less than 4 letters to Ally and email communications -- which also drove down my credit report. And for the record. I am a very good customer of Ally, leasing 7 cars in the last 11 years with them and no payment has ever gone over 30 days late.

The current issue is that I got this call from Ally Asset Recovery and  the automated service says I owe {$120.00}. The initial voice mail was from XXXX at XXXX XXXX XXXX ext XXXX. I called her back last week on my 1/2 hour lunch break, got her directly, and she told me it was an outstanding tax bill for account XXXX XXXX XXXX a XXXX XXXX XXXX XXXX  XXXX. But. This minivan was traded in at XXXX XXXX in XX/XX/XXXX and the only way a van gets traded in -- is if all the PPT is paid-which it was. 

XXXX then tells me I have to talk to car leasing and transfers me to a CSR from XXXX -- I then have to verify all my info again, only to be told I have to call Ally Asset Recovery.

I then called back and got ahold of a supervisor and left a detailed vm  and I believe this person was XXXX and this person was also described as XXXX 's supervisor. He also has not called me back. 

This is fraud and Ally Auto Financing is driving my credit into the dirt with their actions and leaving me no recourse but to complain to the CFPB. I am begging for your help. I am supporting my whole family at this point on 1 paycheck. My wife is still recovering from XXXX and these people are literally ruining my chance at financial recovery -- for a bill that should not even be mine to begin with. 

Wa 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 explanation
Consumer complaint received 2020-07-10
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XXXX XXXX XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX security is listed as a installment loan, it is not, this an alarm system that i never used, and ask this company to remove it, they would not, so i removed it, never used this system.This account has been sold, but know name who is the collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-05-05
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. 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 2020-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX was taken off two years ago now put back on without notifying me the law states they must send notice XXXX XXXX  c XXXX FTC commission sent the report to them 2 years ago medical commercial audit was part of the FTC 2 years ago also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2017-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America said I have unpaid and suspected fraud activity on my account and was closed. The amount was paid and they send me a check back, so now XXXX XXXX  has closed my account down to due to Bank of America mistake. I need my name cleared.

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 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried a few times to correct this issue with Transunion. Most recently a dispute on XX/XX/2018. Regarding incorrect information on the birth date showing on the credit report. I have sent them information trying to correct this matter. Sending documents as proof of the correct birth date.

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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/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 2020-04-07
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: General Motors Financial Company, 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:
GM Financial unfairly and improperly submitted late and/or delinquent reports to the credit agencies. I made every lease payment on time or early. I had a perfect payment record. The problem came after the lease ended. GM Financial charged me {$33.00} after the lease ( for unknown reasons ), and I never received a notice of the charge. I had signed up for paperless billing and notifications, but I did not receive any notice, either electronic or by regular mail. 

The first notice I received regarding the " late '' payment was from my credit monitoring service, which let me know that my credit score had changed. Meanwhile, GM Financial had been reporting me for the " late '' payment notwithstanding the lack of notice or any attempt whatsoever to contact me, a loyal leaseholder for 3 years. My credit score has now gone from XXXX to XXXX, solely due to GM Financial 's unfair reporting. 

I have called, messaged, and texted with GM Financial to no avail the call center is not staffed appropriately, the chat help center is incompetent, and the text message service does not respond appropriately. I have also written a letter to GM Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.

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 2023-02-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I order a XXXX cake for XXXX $ and food for XXXX $ for a birthday party. I don't have a screenshot of their original date of purchase but I do have receipts from both merchants. They took both amounts from my account the day I bought them ( XX/XX/XXXX and XX/XX/XXXX ). That left my account at XXXX XXXX I got paid and they withdrew a XXXX  time. Lowering my balance. I can't afford grocceries now and I tried contacting them. They were in denial about the whole thing even tho my partner also saw the charges were charged the day after. I bought on XXXX after and that got double charged too. They're stealing my money and want compensation since it's been going on for awhile but I haven't noticed it until I looked hard and see my purchase date and withdrawal dates kept changing on the app. I don't have exact ss 's but I have screenshots below showing the pending yet they took money out of my account. They're going to charge me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX ; and XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
auto dealer supposed to get soft credit check to see if I'm prequalified, but ran multiple time hard pulls without my permission! 
XXXX XXXX XXXX ( AUTO ) - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I do not recognize who is it/could n't find it XXXX XXXX XXXX XXXXXX/XX/XXXX promised soft check - ran hard instead XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/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