BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
XX/XX/2021, {$680.00}, Portfolio Recovery Associates is trying to collect a debt that I will not pay. I have never agreed to pay a debt with this debt collector. I have not signed any documents stating that I agree to pay Portfolio Recovery {$680.00} cents. Portfolio Recovery Associate I refuse to pay a debt that you claim I owe your company. You do NOT have my WRITTEN SIGNATURE show that I agree to pay Portfolio Recovery any amount of money. Cease further communication with me. 15 U.S code 1681c ( c ) clearly states the law on communication with the CONSUMER. I have all the documents that Portfolio Recovery has mailed to me that show the incorrect address. I have documents asking me to file out a documents for fraud. These documents are clear violations of the Fair Debt Collection Practices Act. 15 U.S code 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: TX
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : DPT EDXXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AZ
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 disputed multiple inquiries on my Equifax report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent TransUnion a letter on  XXXX / XXXX / XXXX  in regards to unauthorized inquiries being reported to my credit report. I 've advised them that I did not authorize these inquiries and to review and delete. Today I 've received a response in regards to my dispute letter from them dated  XXXX / XXXX / XXXX . They 've refused to investigate and delete these inquiries. A valid dispute should be reviewed in 30 days but I 'm almost positive they did not come up with a valid resolution for this dispute because they came up with a resolution  XXXX  days letter. There was clearly assumption from TransUnion that these inquires were unauthorized, with no investigation or proof. What they stated in the letter was " The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for  XXXX  years. '' As you probably know,  Credit Reporting  Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting  Act15 USC 1681n  ( a ) (  1  ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.     The following unauthorized inquiries are as follows : -  XXXX ,  XXXX   XXXX ,  XXXX  -    XXXX   XXXX   ,  XXXX   XXXX ,  XXXX  -  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 explanation
Consumer complaint received 2020-06-11
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX Company Inquiries : 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 explanation
Consumer complaint received 2021-12-10
Company: Great American Finance Co
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Great American Furniture added charges without any explanation when I made payments in advance and on time well in advance of the XXXX prepayment penalty. This is outright fraud and I can provide receipts and screenshots of their Website. They are preying on people and counting that the government wont do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Chase bank has begun installing new ATMS that arbitrarily cancel my previous arrangement with the bank, that compromise my privacy and that potentially increase my security risk. 
I previously made explicit arrangements with the bank to link my debit card to only the smallest account among XXXX I have with the bank. These new ATMS -- and I have confirmed this with branch representatives -- automatically display all XXXX accounts and their balances on screen for anyone nearby to see, AND all XXXX can be withdrawn from, eliminating the protection I had arranged by only tying my debit card to the smallest balance. 
I have complained at XXXX different branches and each time received the same response : The branch representatives are hearing many complaints from customers and forwarding the complaints to corporate offices ; they tell me they will get back to me. 
I never hear back and the decreased privacy, the increased risk and the arbitrary services change persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As per credit report, GLA collection had sent debt of {$1500.00} on behalf of XXXX XXXX XXXX where I never gone for service. in my recent history, on XX/XX/2018 I had XXXX  in XXXX XXXX XXXX, that was in network, after my insurance company approval. All payments from the insurance and my part were settled. I don't know the company the so called a creditor to me, XXXX XXXX XXXX. There should be my consent to the company service and credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On Friday XX/XX/XXXX, I received a call from XXXX at XXXX. I was told they are collecting on an old bill from XXXX XXXX XXXX. They said I owed {$1600.00} from a past bill. I told them I filed bankruptcy and all has been XXXX. XXXX proceeds to tell me that they do not accept bankruptcy settlements and I would still have to pay. {$800.00} to {$900.00} for a settlement was offered. I told him that I would have to talk to my lawyer. XXXX XXXX, XXXX. 
Then on Monday XX/XX/XXXX, I received several calls from a 'XXXX  ' a processor claiming that I will be garnished and served at my place of employment. Each time I would call them back, I got her voice mail. And then finally, the last time I called, I was told by the legal department that I was not to call them back again. 
I got the following information about them. 
phone - XXXX address - XXXX XXXX XXXX XXXX, CT XXXX and I received this information from Mr. XXXX yesterday XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 15 hours ago ) to me XXXX / XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - 19 posts - 18 authors They say they are going to garnish funds for a title loan never took out and take us to court for wiring fraud No clue what is up if they are a scam ... 


XXXX / XXXX 10 posts XX/XX/XXXX XXXX / XXXX 20 posts XX/XX/XXXX More results from XXXX XXXX : I XXXX  the number. 

and the company that started it all was XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: MONEY SOURCE, INC., THE
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to a business closure in XX/XX/XXXX, my employment ended. Consequently, my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments were delinquent. In XX/XX/XXXX, I was contacted by my lender, " The Money Source '' and I was asked if I was additionally impacted by the Covid19 virus and suggested I go on a forbearance plan. I was told that at the end of the forbearance agreement, my loan would be modified, and I would simply start making my payments again. With that understood, I agreed. At the end of the forbearance period, I was contacted once again and asked if I was able to start making my mortgage payments and I said yes. 

A month later, I was advised that the agreement was now denied, and it was necessary to submit a loan modification application for their approval. I was ready, willing and able to start making the necessary payments. I was misled into believing that the forebeance was to help my situation and now The Money Source has filed a foreclosure lawsuit. They Money Source did not fulfill its original agreement and now is caused unnecessary financial burden. I am in the process of applying for mortgage assistance through the Illinois XXXX XXXX XXXX, working through a certified XXXX  XXXX XXXX locally. I would respectfully request that the lender live to its original agreement. I'm a XXXX and a Veteran. Your valued assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  Company Inquiries : 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 explanation
Consumer complaint received 2015-11-23
Company: Westlake Services, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX 2014, they repoed my vehicle - upon them receiving the next day {$1800.00} XXXX ( more than what was owed ) they INCLUDED all the necessary fees affiliated with the REPO charges. Thereafter, a full and final payment of {$460.00} was mailed to Westlake to pay the remaining balance OFF IN FULL. ( check cashed ) A couple of months passed and I called to follow up on the title being mailed to me. I was informed that I had incurred additional charges of {$140.00} for the remaining of the repo bill. I was furious - because I knew they were being very dishonest. In no way would they have released that vehicle to me without all fees being paid in full. 
Not only have they refuse to forward my title to me they have reported Derogatory remarks with all XXXX credit bureaus. 
with all XXXX credit bureaus damaging my credit history. My vehicles is paid in FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
owner of my loan say they can't make loan changes, and the servicer shellpoint have to make the adjustments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my Transunion credit report - the service has the following accounts listed that have nothing to do with me. I have not authorized anyone to use my name to acquire credit from these companies. I have been in a XXXX from XX/XX/XXXX until XX/XX/XXXX. I have had many problems with identity theft during my absence from the XXXX. I am trying to clear up the discrepancies. 
XXXX XXXX - ( Closed - Derogatory ) XXXX - ( Closed-Derogatory ) XXXX XXXX - Closed -Derogatory ) These accounts are not my debt, not my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Experian Information Solutions Inc.
State: NH
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 XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 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 2019-12-13
Company: EQUIFAX, INC.
State: NH
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 XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: ERC
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Just noticed I have a derogatory remark on credit report from XXXX XXXX. I have fought this before as a stolen identify case with another company. This time it states I opened an account XXXX XXXX XXXX when I have been XXXX overseas since XXXX I have not owned XXXX XXXX nor will I ever. They can not provide me with contract details or even the address that I supposed open this account. Police reports have been filed and sent to credit monitoring companies to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  XXXX XXXX is a very reputable bank and has been for a long time. During covid-19 there was definitely a change in their customer service and dealing with customers day to day basis. I had many problems with my credit card and they were unable to help me. My credit score dropped more than XXXX POINTS! I was experiencing many hardships and they were unable to help. I reached out many many times and got a weak excuse. They need to fix my credit report 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 2022-05-16
Company: Experian Information Solutions Inc.
State: IL
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:
I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on XXXX, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on XXXX. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( XXXX ) XX/XX/XXXX and XX/XX/XXXX XXXX reported 30 days late XX/XX/XXXX when the account was not. XXXX also reported 60 days late XX/XX/XXXX and the account was not. ( XXXX ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( XXXX ) ( XXXX  ) ( XXXX ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.

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