BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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 {$10000.00}, {$4000.00}, {$2200.00}, {$2300.00}, {$5200.00}, {$2900.00}, {$4400.00}, {$0.00}, {$2700.00}, {$12000.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

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

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 


-- CLOSED ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 9. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email from XXXX stating my Citi Bank XXXX XXXX had been compromised. 
Their web address is : XXXX Their telephone number is : XXXX. 
They asked me to confirm my account and I did. 
It asked me my credit card number, the expiration date, the XXXX digit security code on the back of the card, my Mothers Maiden Name and my entire Social Security Card Number. 
Me thinking this was a genuine text message from Citi Bank regarding my XXXX card with them. 
XXXX buying a home and I do NOT need anyone obtaining credit cards in MY NAME with my entire personal information! 
Please DO NOT APPROVE any credit card applications on my behalf on any and all requests for credit cards in my name!

Please help me!!! Im about to have a XXXX XXXX regarding this fraudulent text message. 
Now, anyone can obtain a credit card in my name now and forever!!! 
Please STOP this incident immediately!!! 
My cell phone number is : XXXX. 
Thank you and I am looking forward to your response. 
Very truly yours, 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 2022-08-03
Company: EQUIFAX, 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:
First, I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Westlake Services, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/22 I contacted Westlake Financial, LLC & spoke to XXXX informing the company of their violation against Pennsylvanias Usury law. I was told that there was no such department that would handle my complaint in regards to my illegally charged high interest rate of 20.90 % on my auto loan of {$17000.00}. According to the consumer law the maximum interest rate is only 6 % in PA where I purchased the car and where I reside. I want the company to pay me the charges of 3 times the amount charged 3x ( {$17000.00} ) whilst voiding the contract and removing their secured interest interest in my vehicle due to their predatory lending practices. Under consumer law I have rights to remedy. I am exercising my rights to the fullest extent 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 explanation
Consumer complaint received 2018-11-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Back in XX/XX/2014 we was sent a judgement from XXXX XXXX XXXX, we was told that a lien was placed on our home .when we sell the house the money would be taken from the proceeds. Did not hear anything from the co for four years until XX/XX/XXXX when they garnished our checking account and tripled the amount we have a -XXXX. We had enough money to pay the debt, we was told that it would be frozen for a week, it is now 2 months later and XXXX  XXXX XXXX still has the account frozen. XXXX XXXX XXXX says it is XXXX XXXX and XXXX XXXX  says it is midland. We need to know why a co is allowed to keep your accounts frozen, they have their money. They threatened to garnish wages for another account. Why would a co be allowed to not care and tells us that our accounts can be frozen for as long as they feel like it. This should not be allowed to not help or given a reason that our accounts can be frozen as long as they feel like it. My husband is getting ready to retire and dont know how to handle social security. The file number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was compromised in XXXXXXXX XXXX XXXX. Subsequently I discovered a XXXX XXXX bankruptcy among several other fraudulent accounts were reported to and remain on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies MORE THAN 7 TIMES, but Transunion and the ( Transunion company, " LCI '' ) have denied all my disputes REPEATEDLY! This erroneous XXXX  XXXX bankruptcy is seriously hindering my credit worthiness. I DEMAND THIS INACCURACTE BANKRUPTCY AND ACCOMPANYING ACCOUNTS ASSOCIATED WITH SAID BANKRUPTCY BE DELETED FROM MY TRANSUNION CREDIT FILE NOW!

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 2022-10-25
Company: T.S. Holdings
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a collection notice on my credit report from IQ Data. I mailed a certified validation letter on XX/XX/2022, the letter was delivered to a XXXX XXXX XXXX XX/XX/2022 I then received signature confirmation of the letter being picked up on XX/XX/2022. As of today XX/XX/2022 they have yet to respond in a form or provide any type of verification that this debt is mine or my husbands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Good morning, I have been trying to resolve this matter in an amicable manner but so far it has not worked. I placed an order with XXXX XXXX SC in XXXX for a dining table and 6 chairs and financed it through Affirm. The started taking my payments right away, which I had no problem with because I have financed other items through them and never had an issue. The problem here is that XXXX has yet to deliver my order ; they were extremely friendly and always had all sorts of explanations. After a while their explanations/excuses did not make sense and I was stil making payments and did not have the items I was paying for. I asked Affirm to cancel my transaction and they said they could not until XXXX cancelled it first. And herein lies my issue, XXXX has not responded to my emails and phone calls for over two months. I even filed a complaint with the XXXX  and they did not respond to them as well. Affirm will not reimburse my money until XXXX confirms the cancelation and in the meantime I am still making payments because if I stop my credit will be affected. How is this fair? I will be eternally grateful if Affirm can understand that not all the companies they contract with are transparent on their dealings. I really would like to get my money refunded. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MI
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent charge was made to my credit card in the amount of XXXX XX/XX/XXXX which was reported and I was told that the charge did not go through and that a new card will be mailed to me. I did receive my new card and everything was fine until my XX/XX/XXXX statement with a XXXX charge. I did call the XXXX number, customer service and explained the situation and was told that it would be taken care of. I did receive my statement for XX/XX/XXXX with the same charge with fees and interest, another call to customer service only to be told that the matter would be looked into and I would be called back. I never received a call. On XX/XX/XXXX I did cancel that card. I have been trying to get this taken care of for 5 months, a charge that was fraudulent, and not to mention over a year later being billed for this. I am now getting collection calls and I feel my credit is in danger. I just received my XXXX statement with a balance of XXXX which is not even the fraudulent amount so I not sure how they got this number. I have yet to get this matter taken care of. I did mail a letter to dispute this amount. I am attaching a copy of that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full when I returned the rental item. Also, I was never late. 
A notice was never sent. The company just put it on my credit report. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: PENTAGON FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally. 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 1.  XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX IC Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : Please be advised that your disregard and violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collections Practices Act ( FDCPA ), and my rights as a consumer have caused harm by seriously affecting my credit rating, causing the denial of credit, as well as causing higher interest rates and unfavorable loan terms. Your continuous phone calls causing the telephone to ring repeatedly throughout the day and evening is harassing. Furthermore, at no point in a conversation with your company has your representatives ever disclosed their identity, the company being represented or the reason for the call, which was misleading. These oversights on your part are clear violations of the FDCPA Furthermore, we verbally disputed the debt with your company on XX/XX/XXXX and again via an XXXX through XXXX on XX/XX/XXXX. Not only did collection activity not cease during this time, but you  failed to send validation not once, but twice with the 30 day time frame for each dispute. In fact, we have yet to ever receive validation and the letters and calls are continuing even after 90 days. Again, this is a clear violation of the FCDPA and FCRA, which I am sure you are aware of as a Data Furnisher. We are for the 3rd time requesting validation. We are also requesting you review the attached conversation with XXXX, where they clearly state all charges will be removed and the XXXX receipt where they received their equipment back. XXXX XXXX : Once you return the equipment back the unbilled charges will be removed Consumer : So why am I paying for a full month when I terminated the service today? XXXX XXXX : All the charges will be removed once the equipments are received back to XXXX In light of the harassing phone calls, deceptive practices, lack of providing the mini miranda and inability to provide validation after 90 days, we are requesting that IC System correct our account to reflect a XXXX balance, cancel all collection efforts and have the trade lines deleted from our credit history. In the event, IC Systems neglects not to comply, I will file a formal lawsuit

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 2022-09-30
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I received an " attempt to collect a debt '' letter from XXXX XXXX XXXX XXXX in XXXX GA but the letter was dated for XX/XX/2018. I immediately responded with a debt validation later to send me proof that said debt belonged to me. I mailed the letter on XX/XX/2018 via Certified Mail Return Receipt. The Return Receipt ( green card ) that I received back has a stamped date of XX/XX/2018. I never received information validating this debt as I had requested in the letter. On XX/XX/XXXX, Sequium Asset Solutions LLC added this as a collection to my XXXX credit report. This company violated my rights as a consumer by ignoring my request for validation and simply adding it to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see attachments. XXXX XXXX is violating my privacy and consumer rights, the FDCPA and FCRA. XXXX XXXX is using fraudulent and abusive practices to collect on a debt they do not own nor do I. XXXX XXXX is trafficking my nonpublic personal information unlawfully and using such illegal acts to coerce a payment that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. I 've contacted this company a total of 3 times in regard to this matter. This account is also reported multiple times on several bureaus.

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