BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
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:
I would like to complaint about the fraudulent items which are still appear on my credit report. I think someone stolen my identity and opened my accounts without my permission or authority. This is an unauthorized items. Please remove the fraudulent items right after I send this complain and I hope you have time to review this issue. Based on Fair Credit Reporting Act Section 605B, It was the responsibility of the XXXX credit bureaus to check then remove those items which are negative on the owners account. So I am mentioning these following items for you to help me remove these right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a bankruptcy XXXX on my credit report with experian report # XXXX which experian said was verified by the XXXX XXXX CT NY XXXX XXXX However I reached out to the XXXX XXXX CT NY XXXX and they responded by saying that they did NOT Verifie this with the experian or any credit bureau and so I asked them to remove it as it does not comply with FCRA 611 ( 15 U.S.C 1681i )

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 2023-06-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the apple credit card from Goldman Sachs. XXXX has disabled my account from receding XXXX XXXX rewards and has also disabled being able to receive and send XXXX XXXX, When I call to ask them why they tell me its against company policy to tell my why. Im not even receiving XXXX XXXX rewards anymore, I used to at least still receive it and was able to use it to pay off the apple card, now I cant even do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CCF Intermediate Holdings LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Speedy Cash employee ( XXXX ) failed to validate the date by producing financial documents and audits of what specie of money they loaned out and what specie of money their requiring to be paid back sense federal reserve notes promissory notes. Theres no law that says debts are owed or that they exist.

Speedy Employee ( s ) failed to admit that any application they produce with only their terms and conditions are in fact fraudulent and are null and void simply because they are adhesion contracts which contains language fraud.

When applications are endorsed by the one whos granting the credits to corporations, employees then take those applications and securitize them only to come back to the grantor whos also the beneficiary of the estate making false and misleading claims that the XXXX XXXX XXXX owes them money. Not only is this fraudulent, deceptive, misleading, unfair, predatory and barbarism but this clearly Violates The Truth in Lending Act. 

Also the companys response not only contains inaccurate information but I have the screenshots of that and screenshot of someone from Speedy Cash texting the phone which is unlawful and harassment. 

Speedy Cash failed to produce the XXXX tax forms they filed under the all caps legal fiction/principle to offset an alleged debt and are uttering and tendering off counterfeit documents which contain necromancy/dog latin/sign language which not only has no jurisdiction with English and can not be read. When these symbols are coupled on paper with English this renders this document as null and void because everythings removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
my loan was with XXXX XXXX we received a letter from them stating the NationStar would be our new server. 
starting XXXX everything comes out of our checking account, being a modification i did not question why our loan was not going down. 
now i have applied for a new loan with XXXX and was informed that my payment isn't moving because i have been given a forty year loan through Nationstar we were never informed, my husband is XXXX and I'm XXXX we work part time we would never agree to 40 years even if i were 30 so if you can help me or guide me i so would greatly appreciate any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the 15 U.S.C 1681. 

XXXX  account number as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: DE
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:
After looking over my consumer report I've noticed that XXXX is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.

Violations listed below : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 1681i - Procedure in case of disputed accuracy, Section ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681e - Compliance procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In accordance wit [ the Fair Credit Roporting act XXXX Account # 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 I never wanted my account info/credit info reported to any agency and I never gave anyone or any corporation any written instructions to do so. 
I have reason to believe that these DEALERSHIPs willingly and knowingly took advantage of me and my consumer credit. 
l am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; they also accepted a CASH down payments violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction = Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance or other charge. 
Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have disputed several times with Transunion and XXXX that my bankruptcy should be removed as it is not verified. They claim to use XXXX to verify, but XXXX does not have a bankruptcy on file. I also confirmed with the Court that they do not provide bankruptcy information to third parties. All of this was sent in multiple letters, and yet they have stood by their claim that they have done their due diligence and it was verified. 

At this point, I am at my wit 's end with them and inaccurately reporting items that can not be verified through the channels they state. Furthermore, the two do not have the same information and are therefore not " accurate '' or " verified '' as they so claim. If it were, they would have the correct information and be able to provide me with tangible proof of their verification. 

Please advise on how to rectify this gross misconduct of accurate and verified reporting.

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 2022-12-04
Company: EQUIFAX, INC.
State: NJ
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 am a natural person, I am a living human being, I have rights under 15USC 1681 Equifax and XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls from a supposedly debt collector, " Southwest Credit Systems. '' The caller does not leave any voicemail. When I call the phone number back, the automatic response goes " all call may be monitor or recorded '' and " this is an attempt to collect debt and any information obtained will be used for that purpose. '' I talked with an actual person when I press XXXX for a representative. I asked the person whether or not that " South West Credit Systems '' is a legal business and she had to refer to her supervisor was probably standing beside her because I heard whispering. She said she can not answer that question. I then ask what is the company 's phone number ; she was short with me and said that it is whatever number I called. I repeated the same question, but she would not say. I asked for the company 's address and she said it is somewhere in Texas. When it was too much for her to answer my simple question, she said that she could not speak to a third party ( who I am supposedly ). 

The following phone numbers are the calls I get from " Southwest Credit Systems '' XXXX XXXX XXXX XXXX XXXX XXXX I looked up Southwest Credit Systems ( XXXXXXXX XXXX ) , and it does exist but with an area code of XXXX in Texas. That company has a tarnished reputation from all the reviews I read. I am sure the scammers are using Southwest Credit Systems 's name for legitimate appearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2023 I received an email from Sequium Asset Solutions , LLC stating allegedly that I owe a debt to XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine for estoppel by silence. Engelhardt V Gravens ( MO ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In a good faith effort to resolve this matter amicably. I state my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection action and correct erroneous reports of this debt as mine. For the record I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 U.S.Code 1692 ( e ) and 15 U.S.Code 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. A financial institution may not directly or through any affiliate, disclose to a non affiliated two party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 disclosure of instituition privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ACCORDING TO FCRA 1681a ( 2 ) A ( i ), LATE PAYMENTS SHOULD NOT BE REPORTED AS NEGATIVE INFORMATION. UPON REVIEWING MY ACCOUNT I DISCOVERED MULTIPLE INACCURATE LATE REPORTS. THIS INCORRECT REPORTING ADVERSELY AFFECTS MY CREDIT WORTHINESS AND HINDERS MY ABILITY TO OBTAIN FAVORABLE CREDIT TERMS. 
COMPANY AGREED TO REMOVE ALL LATE PAYMENTS AND HAS NOT HELD UP THEIR WORD. I HAVE NOT MADE LATE PAYMENTS IN THE LAST 2 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company IS Portfolio recovery and the amount listed on my credit report is XXXX contacted the company and asked for validation of the debt. I sent them an several certified letter to signed upon receipt to present me in writing validation of the debt. I never received any validation of the debt. I explained do not recall the particular bill. I called again on XX/XX/1923 and the representative stated that it ( debt ) is was in there legal department and I had to speak their litigation department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We received a " debt collections notice from Transworld systems , inc. for an {$84.00} supposedly from XXXX XXXX XXXX. We never received ANY communication from XXXX XXXX XXXX and when we looked at our XXXX EOB 's only one claim was filed with our insurance in the past 2 years, leaving a balance of {$12.00}. We have no way of verifying any of this to know if we actually owe this amount, and had we received a bill or any communication ( written or by phone ) we would have simply paid the bill. It seems as though this is either a scam, or at the very least, a poor attempt to collect a debt that we may or may not be responsible for. XXXX XXXX XXXX should have supplied the basic information of date of service, what was paid by insurance, and what was remaining so that we could arrange payment to them. This did NOT happen, and instead, they sent it to a collection agency with no attempts to contact us. We are not certain that we owe this amount, and can not verify it as it is past the time that we can obtain documentation from our insurance carrier. I am not even sure how to get proof that we do or do not owe this amount. It's beyond ridiculous that XXXX would not simply pick up the phone and call us prior to sending to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: SC
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:
Name, Address, Telephone number and Date of birth incorrect. Needs to be deleted and updated 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 explanation
Consumer complaint received 2022-12-04
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was given a Garnishment XXXX  work for the following card : Midland Funding LLC aka Midland Credit Management who has now taken over the company and/or debt.

I have written ( Certified receipt ) to the company and asked them to send me information on the original contract and to show my original signature to prove it was my debt. 

I have also joined a credit system company to get my finances in order as well as my credit.

Company response to consumer: Closed with explanation