BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: Insikt, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX I went to a check cashing center in XXXX California at : XXXX XXXX XXXX, XXXX California XXXX. I went there to specifically get a payday loan for {$200.00}. I asked the clerk, do you check credit for a payday loan? She replied " No ''. 
I said okay I would like to apply for a payday loan of {$200.00}. She took my personal information, and processed the application for a payday loan. At no time did the clerk ever tell me that I was applying for a XXXX XXXX XXXX loan. That loan is not a payday loan. 
No where on the payday loan documents does it say the word XXXX XXXX XXXX. I had never heard of XXXX XXXX XXXX until I received a letter from then from a phony address over a month after I had already paid back the payday loan. I received a letter stating that I had applied for a XXXX XXXX which is a lie. It stated that I did not qualify for the loan and that they had accessed both XXXX  and XXXX. They violated the Fair Credit Reporting Act by illegally accessing my credit reports and doing what is called a hard Inquiry. What really is happening is that XXXX XXXX along with check cashing businesses are going behind consumers backs and attempting to use their personal information to open up loans. This is illegal and its identity theft along with a direct violation of the 1964 Civil Rights Act, Criminal Identity Theft California Criminal Code 530.5 PC # 619 obtaining  information under false pretenses. I contacted the Check Cashing CEO and I made an undisclosed settlement with the Check Cashing for these violations. That does not excuse them from breaking the law. XXXX XXXX has continuously lied about this. XXXX XXXX does not have a signed loan application with my signature on it which is required by federal law, and state of California law. I do not intend to allow them to get away with this fraudulent behavior. So I realize that CFPB will only contact XXXX XXXX and tell them to contact me. This will not solve this injustice, and I intend to bring the full law down on them in Federal Court very soon. 
XXXX XXXX XXXX is using numerous names, like Lendify and Insikit, they use several false addresses also, and they have false information filed with the Secretary of State in California. They were recently sued in Federal Court in the northern district of California, for breaking other consumer laws on loans. XXXX XXXX XXXX address is : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX California XXXX. XXXX XXXX XXXX, uses voip to send all calls to a third world country where the people who answer their line can not speak or comprehend english, that number is XXXX. I expect this complaint should be turned over to federal investigators because I am making a direct accusation that I am not the only victim of this fraud. I am sure they have done this to other people who think they are applying for a Payday Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Auto Dealer Fraud and Consumer Fraud XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX miles and XXXX years old. Never told me it even was out of manufacturer warranty. Car died XX/XX/XXXX XXXX  battery dead, {$4600.00} to fix. I got XXXX trade in. 

Predator lending Credit Acceptance 22.99 % interest. 

XX/XX/XXXX, XXXX XXXX rolled {$6300.00} into my next car loan from Credit Acceptance.

This is all Auto Dealer Fraud caused by all 3.

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 2016-06-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: Checkr, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
None of this information applies to me or my history. I never lived in, visited, or driven through XXXX XXXX Florida. I have never had these fines. I have never had my license suspended or revoked. 

County Searches : Consider XXXX XXXX, FL : Consider TCATS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Case Number XXXX File Date XX/XX/XXXX Court Jurisdiction FL XXXX XXXX County XXXX XXXX State FL Full Name XXXX, XXXX DOB XX/XX/XXXX Charge Tcats XXXX XXXX XXXX XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX - XXXX / XXXX / XXXX / XXXX XXXX Charge Type XXXX XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: AL
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 and my daughter XXXX XXXX has open accounts in my name. The ONLY account I have is with my daughter XXXX with XXXX XXXX. That is the only account I have just recently open. I have never open an credit card account. My daughter address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. She has her husband posing as me to open accounts and to lied to open new accounts. I'm XXXX years old and will be XXXX in XXXX so why will I open credit card accounts I never had before. Please help e to resolved this. She has recently changed my information on my credit bureau reports and I can't access my own accounts. I worked all my life and paid taxes. I'm XXXX. This should be unlawful that someone can open or change an account with showing proper identification.

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 2017-09-22
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: Public record information inaccurate

Complaint:
I want all information regarding a b/k over XXXX yrs ago removed from my credit reports from all three reporting agency and to be advised when done!

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 2016-02-15
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Other

Complaint:
TJmaxx Reward/Synchrony. and or their collection deptarment. They are calling my Work phone! I would like them to stop. They have my cell phone number, they have my email, they have my address. They Do Not have to call my work phone. They are going to get me fired! I have my cell phone on vibrate at work, I can not answer it at work. They are calling me every half hour, and from various different phone numbers. XXXX XXXX XXXX etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21
Company: Experian Information Solutions Inc.
State: SC
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 received a notification on   XXXX   XXXX   XXXX     of a new inquiry from   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.

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 2017-05-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
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 received a notification on    XXXX   XXXX   XXXX      of a new inquiry from Cash Central at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our mortgage with Loan Depot. At closing they collected XXXX for the XX/XX/XXXX property taxes. However, this a non-escrow refinance. They claimed that they must collect this outstanding tax to do the closing. Closing on XX/XX/XXXX. Taxes first due XX/XX/XXXX and there is no penalty until after XX/XX/XXXX. I recently call my tax office after I received the tax bill and it was for the full amount. They have no records of having any funds being applied to this account. I called servicing department who referred me to the Loan Depot Escrow Department and they sent me back to the servicing department. I spoke to a manager and they claim it was sent XX/XX/XXXX. I contacted the mortgage officer and he inquired with servicing department. After 5 days I recontacted him and he reiterated he reached out to the servicing department. Three more days past and I get an email from yet another Loan Depot department-Customer Care. They claim it was sent out " on or about XX/XX/XXXX '' .. That was closing day. On or about means they are not sure. They say if XXXX County, NC tax office has not received it I should contact the mortgage servicing officer. It is like a shell game. I do not see how one collects tax money before it is due and on a non-escrow account. They have no right to hold the money and ca n't explain where it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CITIBANK, N.A.
State: HI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a charge and cancel the service the next day within the merchant cancellation date. Called Citibank, credit card company, to dispute claim and they would not take dispute until posted. I used the mobile app in which it does not give me a selection to say I never receive merchandise so, I selected return. After speaking with customer service in dispute center I faxed in my cancellation contract. Next notice I received from Citibank is that they have resolved the case and reverse the charges to my card. I called an spoke to a supervisor and as the letter said, trace over contract and state whether I received items or not. I sent in a new fax Monday and supervisor called Thursday that a fax was not received. I faxed in another copy and then called merchant to get cancellation receipt and faxed in another copy of the trace over cancellation contract, a statement that I have not received any items and, cancellation receipt from merchant. I am unable to resolve this issue with Citibank dispute center. I have also mailed in a copy of the cancellation of contract to Citibank.

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 2020-04-10
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts nor did I authorize any of these companies to pull my credit.

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 2020-04-10
Company: Bridgecrest Acceptance Corporation
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called on a number of occasions and asked to be placed on a Do Not Contact list. They have stopped calling but still are sending me emails ; emails that dont have anything to do with my account in particular.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have received a letter from this agency that states that I owe them. I have never had any dealing with this company. When I disputed the debt and ask for the information that supports their claim. I have no knowledge of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-12-20
Company: FISERV INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have rights.

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 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.

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 2018-01-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid XXXX XXXX six ( 6 ) payments on my XXXX XXXX credit card account. I called their telephone number on XX/XX/XXXX to get the balance. I was given a person with whom to speak but she said, " The system is down. I have limited access. '' I have no idea about what she is talking. 

I should be able upon calling to know precisely how much they received that I had paid! 

Nor would she send me a statement as I had requested. 

So I do not know how much I have remaining on my credit card account! 

But I should have been told by her precisely how much is remaining! 

XXXX XXXX is inefficient and slow in handling my payments and unable to tell me my current balance! 

XXXX XXXX handles the XXXX Rewards card and is big enough to provide the information that I repeatedly requested to no avail today!

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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
balance is XXXX, not XXXX this card was closed

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 2017-02-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Victoria Secret has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Victoria Secret has passed me onto the credit card insurance company to submit a claim.I also attempted to talk to Supervisor on occasion several occasions. I was not able to resolve this issue and have contacted Victoria Secret and the credit card insurance department as well. Not only did I make payments for insurance in case something happened I was not able to utilized it. Please remove this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: MO
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:
am writing this in regards to the financial hardship that I am experiencing due to my student loans reporting on my credit report. I am unable to buy a home, although I am not in default, and I have been granted loan forbearance until the year 2025. I am requesting that the loans reporting, to my credit report be removed from my credit report. I am in the process of disputing these loans using the borrowers defense claim. I am in review, until 2025, these loans being reported to my credit report, violates the fair credit reporting act, and I am asking that they be removed immediately, until my borrowers defense claim is complete and a decision is made.

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 2019-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2018-12-03
Company: PCS Receivables Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Prime Acceptance Corporation. I requested a validation on XX/XX/2018 and again on XX/XX/2018 as I had not received any correspondence from creditor to validate this delinquent account as factual. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and has not been updated to reflect my dispute of this account. I do not believe that this account nor the amount stated as owed is factual and this account continues to negatively affect me.

Company response to consumer: Untimely response