BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have tried on numerous occasions to make a payment or partial. 
They have a rule that if you can't make full payment then you have to go-to their office. 
I browed money from family to pay these people off. 
They still processt in me going to the for payment. 
I am XXXX XXXX XXXX and have never had a bank refuse any form of payment. Yet they do. I have my debt card ready to pay the loan off but I am out of state and can't comply with there wished So I just keep getting late fees. 
They show up at my job my house anywhere they think I am they try to get payment from me. 
Please try to act as a mediator so I can pay them off with no added pinaltites. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: IL
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  Account Equifax, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: CA
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 rights to privacy and confidentiality under 15 usc 1681. 

account name : XXXX account number : XXXX account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account numberXXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXXXXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX  account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 
15 u.s code 1681 s-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 ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all 3 credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 rights to privacy and confidentiality under 15 usc 1681. 

account name : XXXX  account number : XXXX account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number:XXXX account name : XXXX  account number : XXXX account name : XXXX account number : XXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX XXXX  XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s code 1681 s-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 ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all 3 credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided

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 2022-06-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 XXXX 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 2022-09-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
somebody got a hold of my personal sensitive information such as social security, phone number, account number etc. They went as far as going to a TD bank branch in new york when i live in new jersey and were able to verify all details on my account and withdraw money from my checking account because she had a new jersey state id with my info but her picture.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: CCF Intermediate Holdings LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Speedy Cash sold my debt to XXXX  XXXX XXXX XXXX. Without my consent. XXXX  XXXX XXXX XXXX does not have a contract with my wet signature on it. Also this same debt is being reported as {$860.00}. Which the original debt is XXXX. This Collection accounts balance has increased. Which is a clear FCRA Violation. Ive disputed this Collection account on numerous occasions. XXXX  XXXX XXXX XXXX sent me paper work via USPS. Without a wet signature on the Suppose contract.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Last year I bought a new car from a dealership around my area which took a lot of my personal since it was financed. Then few days or a few weeks later someone used my personal information to open 2 new credit card accounts which were not authorized by me. They applied and bought {$2000.00} or {$3000.00} worth of stuff using the credit cards including XXXX XXXX credit card and XXXX XXXX Credit card. I called XXXX XXXX  credit card customer care and told them the whole situation and they opened a case for me which was like a few months ago now but unfortunately, I have not heard back from them. They said they will mail the decision and the investigation report but they mailed nothing to me. I am trying to get information over the phone but they said you should have received it in the mail they can not help me with that. So now I am trying to get what happened since the account is still active and I am still receiving statement mails from them even though I told them that it was a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I just filed a complaint with I.C. System, Inc. on XX/XX/XXXX to XXXX XXXX for their illegal way of collecting a debt. I acknowledged how they never called me and they never sent anything in writing to me yet they placed three negative marks on my credit ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also indicated in complaint # XXXX for this company to NOT call me, but to send the debt information in writing so that I could verify the debt, and pay it if valid. I received a call on XX/XX/XXXX at XXXX from this company. I couldn't answer at the time, but called back at XXXX and verified it was this company. I stressed how I told them NOT to call me, but to send everything in writing. 

I am unsure who this company is, but blatantly ignoring codes/ rules and consumer 's preference of no call, but send letter is COMPLETELY UNACCEPTABLE. I will continue filing to notify XXXX XXXX about the unethical business practices of this company as this needs to be brought to your attention. I am not ok with what is currently taking place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy is unverified. According to the verified source XXXX XXXX, they dont show a bankruptcy on my credit file. Ive asked multiple times for removal. 

According to the court clerk, they dont report/or release information to credit bureaus, which is another erroneous effort to verify this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX collection, Account # XXXXXXXX XXXX XXXX bankruptcy, Account # XXXX XXXX XXXXXXXX bankruptcy, 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 2022-02-28
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I received several documents claiming that a dispute that was filed was settled. I became concerned because I had not filed any disputes with PNC Bank regarding any issues paying my XXXX XXXX Credit Card. I pay this card using PNC Bank bill pay. I am in control of when this bill gets paid, they do not bill the bank for payment. 
I stopped into a local branch at XXXX XXXX XXXX XXXX PA XXXX to speak to a representative about the issue. I asked for a manager that knew the banking system, I was looking for someone that could answer the questions. The lady at the desk boasted that they have a General Manager and two assistant managers, all that know the system well. She asked me what the problem was. I presented her with several papers claiming that a dispute had been filed over several transactions dating back to XXXX of XXXX. As she looked into the issue, she asked if there was another person on the account since the notation indicated that " she '' did not recognize these payments. She asked if XXXX could have filed these complaints. My response was that XXXX, my wife, passed away in XXXX of XXXX so it would be impossible for her to be the one filing the complaint. At that point, she had no other answers other than maybe someone put a wrong account number in. She also stated that she knew I did not want to hear that. The problem is that she refused because I became irritated that she did not answer and was not willing to pursue how this happened. This did not leave me with much confidence that my banking was secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, On XXXX I attempted to log onto my Comentiy Bank XXXX Credit Card account to make my payment due on XXXX. A message on the website indicated that there was a system update and we would be unable to access our accounts. No advanced notice of this outage was provided. As the day progressed the message was updated to : " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' As of XXXX I am still unable to access my account online and make a payment. To attempt to remedy this I called the customer service number provided and an automated message said that because of the system update they could not access or make changes to any accounts. 

As a consumer I am extremely concerned that they will try to hold me liable for late fees/charges because I am unable to pay or access my account. I would like to reiterate I have never missed a payment and would have happily paid prior to the due date had the bank informed us of this service interruption.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: PA
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 Consumer that is protected by the laws of the FDCPA, and attached you will find servers Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, XXXX & EQUIFAX see attached ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Consumer that is protected by the laws of the FDCPA, and attached you will find servers Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, TRANSUNION & XXXX see attached ;

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 2022-06-07
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28
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: Old information reappears or never goes away

Complaint:
Equifax removed this account from my credit report and keeps allowing a non-credit account on my credit report. This is a violation of the FCRA Act. XXXX and XXXX don't allow this to keep happening. This has had a direct impact on my family and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Continental Finance Company, LLC
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:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST

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