BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: C/C Financial
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company ( Preferred Lease ) never sent out form 1099c. 
XX/XX/ written correspondence was sent to company with no response following. Violating the federal law regarding the discharging of debt. The company continues to harass me, effecting my general mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Security Credit Services, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX keeps contacting me via email ( usually filtered through as SPAM ) in an attempt to collect for Security Credit Services on a debt that is beyond the Statute of Limitations as stated in their own collection attempts : " The law limits how long you can be sued on a debt. Because of the age of your debt, SECURITY CREDIT SERVICES , LLC can not sue you for it. If you do not pay the debt, SECURITY CREDIT SERVICES , LLC may [ continue to ] report the debt to any credit reporting agency for as long as the law permits this reporting. XXXX XXXX XXXX XXXX XXXX XXXX can not sue you on this debt and XXXX XXXX XXXX XXXX XXXX XXXX can not report this debt to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. '' Thier own reference number is : XXXX Account is listed as : Original Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
On XXXX I sent in a written dispute regarding Inquiries i did not consent to that appears on my credit report. Experian did not respond to me regarding this matter. Please assist with removing these inquires off my consumer report. I have filed an Official FTC report for these inquires and i have it attached to this complaint. Below are the Inquiries. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2016-05-13
Company: Regional Management Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am currently behind on a loan with Regional Finance in XXXX. I left my job for another and was promised more money at the new job and that did n't happen. When I went into the office, like I had promised to do, to talk about getting my loan caught up, I was told to take all mine and my boyfriend 's money, pay all my bills ( as in get everything caught up ) let his car payment with XXXX fall 3 months behind and then leave him and move back in with my mom. Now I do not have a bad relationship in my personal life but giving advice like that is not okay. So I was informed if I do not make a payment by Friday then they would continue with collections. That is fine but they do not need to constantly call my work, I have a personal phone and if they can not reach me there then they do not need to constantly contact references more than once in one day. That is not how a loan company works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023 I called Truist bank to request a new debit card because mine was part of a scam. As of today, XX/XX/XXXX I have yet to receive my new card. I called their XXXX number on the back of my old debit card to see what the issue was and was hung up on. I thought it was just a poor connection with my phone so I called again, it happened again. A total of 6 times this customer service hung up on me! In this situation they were very defensive and I was definitely not being treated as should have been. Highly disappointed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ( XXXX XXXX ) closed XX/XX/2018 sold account to XXXX XXXX XXXX XXXX, I ask them to produce a itemized and detailed contract or agreement to pay with my wet signature and was not provided any type of documentations to prove I owed this debt. XXXX XXXX XXXX XXXX then re-aged the debt meaning they intentionally gave false information about the age of this debt in question. Transunion, XXXX, XXXX all failed to remove this fictitious account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Complaints Department, I am writing to file a formal complaint against National Credit System for their relentless pursuit in attempting to collect a debt that is a direct consequence of identity theft. An individual, using my stolen identity, leased multiple apartments across the country simultaneously and failed to pay rent. Despite my efforts to provide National Credit System with evidence of this fraudulent activity, including a police report, FTC affidavit, proof of identity, proof of residency, and the multifaceted nature of the identity theft incident, they persist in their collection efforts. Their actions blatantly violate the Fair Credit Reporting Act ( FCRA ). 

The debt collector, National Credit System, has continually disregarded the evidence provided, which unequivocally proves that the debt in question is a result of identity theft. Their actions not only defy the FCRA, which explicitly mandates fair and accurate reporting, but they also ignore the multifaceted nature of this identity theft incident, which has resulted in multiple fraudulent leases across various locations. 

The following are the laws and regulations that National Credit System is violating under the FCRA : Failure to conduct a reasonable investigation into the disputed debt, as required under 611 ( a ) ( 1 ) ( A ) of the FCRA.

Neglecting to cease collection attempts and reporting to credit agencies on a disputed account, as mandated by 611 ( a ) ( 2 ) ( B ) of the FCRA.

Failing to comply with the FCRA 's requirement to verify the accuracy of the debt following a consumer 's dispute under 611 ( a ) ( 7 ).

As a result of their persistent and unlawful actions, I demand the following immediate actions be taken by National Credit System : Cease all collection attempts related to the fraudulent debt associated with multiple leased apartments resulting from identity theft.

Remove any and all mentions of this debt from my credit reports.

Provide written confirmation that they have ceased collection efforts and taken necessary steps to remove this fraudulent debt from my credit history within 30 days.

I am providing additional copies of the evidence supporting the multifaceted identity theft incident and the fraudulent nature of this debt. It is my expectation that the CFPB will promptly investigate this matter and take necessary actions to ensure that National Credit System adheres to the laws set forth by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: National Financial LLC
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had A loan from loan till payday and they started charging me Fees that were unrealistic. I cant pay the Excess because its putting a Hardship on my Livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Has violated my rights.

15 u.s.c 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 U.S.C 1681s-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.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state that 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 an account without my written instructions 15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
XXXX XXXX XXXXXXXX please remove this inaccuracy from my report. I was never late on this account- Please check the status on this account 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 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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, Account - XXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish an account without my 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair report credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 furni instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of cr more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 XXXX : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

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