BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: SYNCHRONY FINANCIAL
State: FL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On the XXXX of XX/XX/2021 I submitted a formal complaint regarding inaccurate information being reported on my Transunion credit report. 30 days later with no response from initial complaint regarding the incorrect information, on XX/XX/2021 I submitted a request to be provided proof of the inaccurate items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2015 I borrowed {$2500.00} I paid off the debt as agreed to the original debtor ( Speedy Cash ) and the company never cleared the debt and they are now stating that I owe {$3400.00} I would like it to be cleared from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple calls every day from Sequium. This is stemming from a XXXX account that was cancelled over a year ago. All my equipment was returned and my final balance was paid off. 

They are harassing me during my work hours. Several of the agents have been extremely rude. 

I don't owe this debt and don't deserve to be harassed in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: SUNCOAST CREDIT UNION
State: FL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: SAMC Honebee TRS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint evolves around a mortgage my sister and brother in law applied for via a company called GMFS. I was asked by my sister to gift them {$17000.00}. I agreed to the gift and signed the gift acknowledgement. I had my bank wire the money as I was instructed. Later, the mortgage company asked to see my bank statement. I provided them the first page which clearly shows my name, address, balance amount and the last 4 of my account number. All corresponds with the wired funds the title company already received. I am being asked to provide the additional 3 pages of my bank statement or else my sister and her husband won't be able to close their mortgage. My complaint is where does my right to privacy come into play. I don't want to show this mortgage company my transactions. It is none of their business. I am not applying for a mortgage nor am I signing as a guarantor for this mortgage. I am just the person who is gifting the money. I have a right to privacy. I have nothing to hide and I certainly didn't borrow this money on their behalf. I am just filing a complaint because I have a right to privacy for a loan in which I am not applying for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was called from XXXX 's phone number asking if I authorized a Zelle transfer. I said No. The caller said they were with XXXX and I had to transfer to a XXXX agent via zelle to reverse the fraudulent charge. I sent them {$1000.00}. Zelle won't refund me any money even though I was tricked into providing the funds. This call occurred on XX/XX/29 and I reported it to XXXX the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: United Collection Bureau, Inc.
State: NY
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:
XX/XX/XXXX XXXX : United Collection Bureau , Inc., ( USB ) Reference XXXX. 

This is my communications and complaint regarding USB 's continued hazing, lying, unprofessional, and USB has violated the rights of the consumer, and committed fraud. 

USB obtained fraudulent information from XXXX XXXX XXXX XXXX XXXX XXXX in the month of XX/XX/XXXX, via XXXX. USB has misused my personal identity and personal data due to XXXX XXXX data breach of my personal data. 

XXXX has the records of the data breach in the history records due to overseas fraud in XXXX and XXXX. 

This matter is closed. USB is stop immediately. I have secured legal services and investigation at my own cost, I have to carried Identity Theft Protection at my own cost. 

XXXX has a debt to me for legal fees, fraud, professionalism, and data breach in the amount of {$7500.00} USB is acted unethically in research. In addition, I have been notified to make a formal legal complaint to The Department of Consumer Affairs in New York, License number XXXX. 

Respectfully yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a follow-up to CFPB Ref No. XXXX-XXXX  that AMEX closed saying that they have resolved the matter. The matter is not closed. Since XX/XX/XXXX, I have been contacting AMEX to -1st - have payments I made to the wrong AMEX account ( that is closed ) transferred to another AMEX account or - 2nd - get a wire transfer refund for those payments summing to {$4600.00} so that I can place the credits on the correct account myself. 

AMEX has not refunded my money and, on XX/XX/XXXX, wrote a letter to CFPB and yours truly saying that they requested a wire transfer refund on XX/XX/XXXX that I should receive in 2-3 days. Today is XX/XX/XXXX and still don't have my refund. Thus, I'm opening up another complaint on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mother in law passed away in XX/XX/XXXX. Her only income was Social Security for many years prior to her death.

After her death we started to get statements from a collection agency. I called them twice to advise them of her passing.

I requested that they no longer send me statements. They requested payment from me. Neither my husband nor I are on the account or a co-signer. They requested that I send a certified copy of her death certificate. I advised them there was no estate and that they could verify her passing via XXXX XXXX or the SSA. 

Now we are getting periodic statements 4 YEARS LATER still trying to collect.

This is what they say " Dear ( deceased name ), We know that life happens. ( This line is in a cheerful blue and much larger font ) Every day PRA, LLC works with people to resolve debt. We would love to do the same for YOU. ( YOU bold and capitalized ) Sincerely, PRA, LLC '' Really??? Life certainly happens but so does DEATH.

- I told them 2x she died in XX/XX/XXXX. 
- I requested they remove my address from their system. She never lived with us.

- I told them there was no estate.

Yet here we are again. This is at least the 2nd letter, with the same wording, we have received this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
On XX/XX/2022, I submitted a dispute and documentation for unauthorized inquiries to be deleted off my credit report. On XX/XX/2022, I got a reply saying these inquiries were deleted off my Equifax credit report. When I check my credit today, on XX/XX/2022, the inquiries are still there. Attached is verification that these inquiries should not be on my report. 

Inquiry : XXXX should be deleted from my Equifax report XXXX 
Inquiry : XXXX should be deleted from my Equifax report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX 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

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 2022-08-03
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$26000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$68.00} XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX XXXX Balance {$910.00} XXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} XXXX, XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX  Balance {$390.00} XXXX  XXXX Balance {$6200.00} XXXX XXXX  XXXX Balance {$620.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$26000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$68.00} XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX  XXXX Balance {$910.00} XXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} XXXX, XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX  XXXX Balance {$390.00} XXXX  XXXX Balance {$6200.00} XXXX XXXX  XXXX Balance {$620.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date : 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 2021-09-01
Company: EQUIFAX, INC.
State: MD
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 found a couples inquires on my report that I do not recognize. I have called and sent a letter to Equifax about this matter but nothing has been done. The Equifax agent I spoke to, told me to call each company and ask them for permissible purpose! Are you kidding me? it is your job Equifax, to verify that those companies have my permission and my consent before checking my credit! I am not doing your job for you! There is a fraud alert on my 3 credit reports because of irregularities like that. I did not authorize those inquiries, I do not know those companies and I do not do business with them. Show me a proof ( my signature or oral consent ) that I have authorized those inquiries or remove them immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Exeter Finance Corp.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Currently the vehicle was taken into custody due to police investigation. Property will not be returned. This is a case of mistaken identity and I will be exonerated from all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requesting original contract, creditor information, payment history, and proof of ownership {$450.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. There is no third party involved. I submitted my negotiable instrument paid in full to your company via certified mail and am in need of immediate discharge and correction 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 explanation
Consumer complaint received 2022-10-24
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: Credit inquiries on your report that you don't recognize

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 2022-09-30
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX Balance Owed : {$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