BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of XXXX, someone went into Truist Bank and opened a checking and savings account in my name with {$25.00}. The person proceeded to take a line of credit in the amount of {$3000.00}, a credit card with a balance of {$3200.00} and a personal loan for {$8500.00}. I have already personally visited a local branch on XX/XX/XXXX, where they " froze '' the accounts. However Truist Bank has not removed them from my credit report! Even when calling customer service on XX/XX/XXXX, they kept transferring me to different departments and has not removed the fraudulent accounts. How Truist Bank allows someone to open an account with {$25.00} then immediately get thousands of dollars in loans/credit cards and subsequently withdraws all that money in XXXX ATM transactions over a few days and doesn't get flagged as fraud is ridiculous!

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 2022-09-29
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: 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 2022-06-09
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It has come to my attention that FIRST FED CREDIT CONTROL is claiming that I XXXX XXXX allegedly owe a debt in the amount of {$340.00} that I am not obligated/responsible to pay on in reference to Acct # XXXX with FIRST FED CREDIT CONTROL. FIRST FED CREDIT CONTROL is in direct violation of my privacy rights, somehow Without my consent via verbally or in writing and with no permission from me FIRST FED CREDIT CONTROL has obtain my personal information. As FIRST FED CREDIT CONTROL is well aware of these actions are also a violation of the HIPAA laws put in place to protect consumers. The fact that FIRST FED CREDIT CONTROL was able to obtain/purchase my personal information via a third party is illegal. I have never agreed to do nor do I plan on doing business with FIRST FED CREDIT CONTROL. This matter has caused me a lot distress both physically and mentally, defamation of character, and harassment. This is my final attempt and notice to contact FIRST FED CREDIT CONTROL to resolve this matter. Im giving FIRST FED CREDIT CONTROL seven ( 7 ) calendar days to resolve this issue or I will pursue legal actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect a debt not mine and is just brushing of the fact that I had no oppertunity to validate debt .. they have not shown me my prof that makes the debt legally mine plus the debt is beyond the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : 1. XX/XX/2022 XXXX XXXX XXXXXXXX XXXX. XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX. XX/XX/2022 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 2022-09-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting over 5 calls daily, today I get a message from my brother in law that he got a voicemail from the same company attempting to reach me, they have called me on weekends, holidays, outside of normal hours XXXX to XXXX. This company keeps harassing me. According to the consumer laws and regulations a company shall not call more then 7 times in a week span they are definitely going beyond that, pictures have been uploaded I can go ahead and provide a log from my phone company upon request!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to grant my request. XXXX has reported 60 days late in XX/XX/XXXX to Experian and XXXX credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.

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 2022-09-29
Company: EQUIFAX, 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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 XXXX  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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2021-01-17
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This company paypal emailed me that my card is expiring on XX/XX/XXXX. They sent this email to me on XX/XX/XXXX told me it should be there in 7 to 10 days. Never received a card right till this day. And I also had to remove all the funds off my card I felt kind of funny after it never came in the mail. So i asked them to close this account up XX/XX/XXXX I have as them 2 or 3 times to closed this account up an the only lie they tell me there working on it in and message and as i check everyday this account is still open in my name no funds in the account and i have no card from them. And they tell you to call this number if you want to close your account no one answer the phone records hangs up on you as if your call is not important. And you no if my card expired on the XX/XX/XXXX why would you lied and say you mailed it on XX/XX/XXXX and you got on here you mailed it out XX/XX/XXXX and still not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had an injury to my XXXX  and needed time off that wasn't covered by sick leave and so am having financial issues, my bank stopped payment on the loan, I did not request a stop payment. Advance America has been calling everyday, sometimes twice. Due to financial difficulties I am in between phones now. I sent in via their email delivery system, that I needed an payment plan sent to me through email to start repaying the debt. They have now started calling my work place, I am uncomfortable discussing my debt at the work place. They have called once XX/XX/22 around XXXX and then again around XXXX. They were informed by our front desk to contact me via email. The woman responded that she has no way to do that. I have already asked them via email to cease and desist phone contact and prefer email. This seems to be harassment since they are contacting me at work. 
Also their repayment schedule makes no sense. All of the payments vary and are never the same which makes budgeting very difficult. Their interest is also absolutely ridiculously high and seems to fluctuate based on what they want to charge you for that period. They present you with an initial repayment schedule but once you start paying it off it disappears, the payments never seem to have an end date and can go on as long as Advance America deems appropriate. They take advantage of those in financial crisis. The in-person team I worked with before always seemed helpful but now that it's online it seems very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged Twice, two different prices from XXXX however, it was only one service. The transaction is unauthorized. It's between my Bank which is XXXX and XXXX. I filled a complaint with Capital one and the returned it and then reversed it again although I had proof. I am happy to share documents that support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do any business or extend my credit to this company. I didnt understand the meanings and it was not clear and conspicuous to me at the time. Because of there is no evidence of a debt only these papers of some type of copied papers of statements. The agreement should be voided because I made a uniformed decision and didnt understand. I could have made a better choice if I knew the details in full. 

There has to be more of a better understanding for consumers in these types of situations.

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 2022-09-29
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent two different letters to the company requesting debt validation and they did not respond, however they call my phone multiple times a day. I requested that they send correspondence through USPS and they have not. At this point, it is harassment and causing anxiety. I have been recovering from illness and I just want the calls to stop. 
The account numbers are XXXX, XXXX, XXXX, AND XXXX. It has been well past the 10 days to validate the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Is in violation of Holder in due course rule. They ate holding my contract without reserving the rule of the holder in due course rule. Toyota received my contract and didnt credit me for the contract is in violation because according to the rule it preserve my defenses and my claims to proceed of the note that was issue to the seller which is the dealership before it was issue to the creditor which would be the bank or anybody that ended up being the holder of the note. 
The vehicle is for my person use they have no right to charge me for the note. The note was the payment that they received and proceeds from the note was what I was entitled to credit for. They cant make me pay without them paying me.

Company response to consumer: Closed with explanation