BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Tower Loan of Mississippi, Inc.
State: FL
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:
On XX/XX/XXXX  I received a notification through XXXXXXXXXXXX  that a hard inquiry made on both XXXX and XXXX credit agencies on XX/XX/XXXX  by Tower Loan XXXX XXXX XXXX XXXX, XXXX, MS XXXX However, I did not request any financial services from Tower Loan and called multiple branches to inform them about unauthorized requests at the numbers below : XXXX XXXX XXXX I've been advised by customer service reps at these branches to file a credit reporting dispute using online form at https : //www.towerloan.XXXX and to dispute it with XXXX and XXXX credit reporting agencies directly. Nevertheless, I received a letter from Tower Loan dated XX/XX/XXXX  that stated that " this appears to be a valid attempt to obtain credit '' and no additional information has been requested. XXXX Credit agency sent a letter confirming that they removed a hard inquiry because it " was deemed a fraudulent application ''. XXXX has not responded as of yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 Midland Credit Management open a collection. 

{$640.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and they have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 



XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX  XX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023

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 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, a consumer, am submitting this complaint on my behalf, there is no third party involved. I logged on to review my Transunion credit report to find multiple inquiries that I did not authorize. I understand that federal law XXXX XXXX XXXX ( a ) states written consent is needed for these inquires to be furnished which there was none. No consent is identity theft.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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: Information belongs to someone else

Complaint:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

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 2021-11-19
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made XXXX disputes on XX/XX/2021, and XX/XX/2021, with XXXX XXXX XXXX XXXX XXXX XXXX, IA This account is not mine, nor does this company have any contract or agreement with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The XXXX XXXX XXXX XXXX Card has been reported on my Transunion credit report as closed with an alleged debt of {$620.00}. The XXXX XXXX has not given me any sworn statement to the validation of any alleged debt according to the FDCPA. The XXXX XXXX also need to produce a document with my written express consent stating that The XXXX XXXX can put anything 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 Portfolio Recovery XXXX sent me a letter stating that they've validated the " ALLEGED DEBT '' regarding account number : XXXX. ONLY I as a consumer & natural person can VALIDATE the debt. They have listed that XXXX Bank is the original creditor, which is a lie. I am the ORIGINAL CREDITOR. Pursuant to XXXX XXXX XXXX, they didn't provide me with the XXXX things that constitutes validating a debt. Even thats NOT validation, it's just an allegation UNLESS I agree ( Which I DON'T ). It's impossible for Portfolio Recovery to tell me I owe a debt, THEY DON'T have the power to do so. I never gave XXXX bank permission to give Portfolio Recovery my information, which is FRAUD. They sent me a monthly statement which is NOT validation. I choose to exercise my right under XXXX ( C ) to refuse to pay. Also how is Portfolio Recovery a creditor?? They're listed as the current creditor on the letter they sent on XX/XX/21. According to the XXXX, The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. They're poor practices have made them one of the biggest collection agencies by preying on consumers not knowing their rights. I WON'T BE A victim. I know my rights as a consumer. Due to Portfolio Recovery, I've also been a victim of abusive & deceptive debt collection practices due to having to use cash for everything because my consumer/credit reports have been damaged. They need to DELETE this from my credit report, & ANY other companies they're reporting to IMMEDIATELY due to violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The transaction was a bank to bank transfer that happened XX/XX/XXXX if XXXXI did not have that money in myaccount and I did not authorize it. I did dispute in XX/XX/XXXX 1 week total after it happened. After sending the police report of fraud and identity theft to them i did not hear anything else until i received a bill fir XXXX from the Huntington bank XX/XX/XXXX. 
I contacted XXXX XXXX to help. We have sent more paperwork in XX/XX/XXXX and still getting the run around we have been calling about every other week. Now today they said they have been disputing wrong. But it has been almost 2 years now and nothing done. Since then the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiry listed. The unauthorized inquiry is listed below. 

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 2019-12-13
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

4. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not 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 2021-11-19
Company: WELLS FARGO & COMPANY
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:
I checked my credit report and saw that there was a credit card in my name from Wells Fargo. It had been opened since XX/XX/2019. I became aware of it today. I called Wells Fargo and they informed me there isn't an account under my name nor social.

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 2023-04-11
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was doing my regularly credit report check and noticed that there was a strange account from XXXXVERVENT SECURE CARD on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The inquiry date is XX/XX/2022. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Self Lender 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 have a secured card with XXXX  XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XX/XX/XXXXpayment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


XXXX XXXX XXXX XXXX- I am also submitting an investigation for XXXX XXXX XXXX  you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX  XXXX   XXXX   accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This company is reporting canceled debt on my consumer report if we go to the IRS and we look at the IRS publication, the IRS defines a charge off or a 1099C as gross or ordinary income. Income does not get reported on the consumer report if income does not get reported on the consumer report why is a charge off being furnish as a debt and the IRS says by definition it is income this number becomes an in accurate account, under 15 USC 1681 EB, which speaks on maximum accuracy of the consumer report it must get deleted [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2019-12-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was initially notified by IQ Data International , Inc, regarding a bill that needed to be paid. I told them initially to not call me because I was receiving so many calls and that I was going to deal with the debt. They called again, repeatedly, but I did not answer because I already submitted my form of payment to the company. I received the payment back because I did not submit the correct zip code when I initially sent it. I reached out to my apartment complex again and she advised me the correct address to submit payment to, so I submitted my payment. I received a notice saying that the debt was added to my credit report so I called the company trying to explain what happened, but I was met with some of the most disrespectful and out right disgusting behavior from someone specifically by name of XXXX XXXX, if that is the persons right name. I 100 % assumed responsibility for the debt and did not have an issue taking care of the bill, but the number of calls is annoying. Before I could even explain she interrupted me and told me that the bill was valid, that I knew the bill was there. That I did it. Its my fault. at that point, that aggressive nature, essentially berating me sent me over the edge and made me extremely angry and led me to express myself. I tried to explain that the payment had already been sent, but she kept stating she was not going to update this to the credit bureaus and she doesnt have too. I tried to deal with another rep, but XXXX kept answering the phone stating I could not speak with anyone else only she was there and that she was not going to assist me with what I needed and that she is the only supervisor and that the next higher up is the President of the company. I called at different times trying to resolve my matter because I did not want the argument that she seems to be looking for with this ridiculous and outrageous behavior. I tried to pay the bill, but want the fair opportunity to have this taken off my credit. The rep advised, " I will not take this off and I do not have too because you cursed at me ''. Well this rep innapropriateley handled my business matter by crossing the line by questioning my integrity, I'm sure that is not ethical debt collection practices. Im sure in the training session their employees can not dictate what they can and will not do based off of personal feelings. I also never received a paper copy of the bill either. If i received a paper copy none of this would have happened because I would have had the correct agency to submit payment too.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Transunion has changed my credit score twice in 6 days, each time by XXXX points. 

Each time, the loss of XXXX points has been explained/justified ONLY because my credit utilization ratio has gone from 3 % to 10 %. 

It's clearly a mistake since it's happened twice and, each time, the only change reported is the identical credit utilization from 3 % to 10 %. 

The first time, several days ago, they reversed the change the next day. 

Today is a Sunday so I have no way of filling a complaint with them. 

When I did file the first complaint last week, they had no explanation even though the XXXX points were added back the next 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