BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Credit Corp Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received e-mail in XXXX from Credit Corp Solutions Inc., a debt collection company. E-mail claimed that I owed XXXX the sum of {$1100.00}, claiming I withdrew funds from account before funds were paid out. 

To the best of my knowledge, I have not used any XXXX services in more than XXXX ( XXXX ) years, perhaps not before XX/XX/XXXX (? ). 

I contacted XXXX concerning the above, asking XXXX to verify the above statement and, according to XXXX, my account was in perfect order and I did not owe any funds to any person ( XXXX ), company or corporation. 

Last week of XX/XX/XXXX I attempted to log into my XXXX account and found my XXXX account locked out. I contacted XXXX and they referred me to Credit Corp Solutions Inc . I requested from XXXX as to why my account was locked and XXXX would not give me any information and told me to contact Credit Corp Solutions Inc . 

I contacted Credit Corp Solutions Inc. and Credit Corp Solutions Inc. told me that, according to XXXX, I removed all funds from my XXXX account before funds could be paid out to certain parties. 
I informed Credit Corp Solutions Inc. that something is wrong and I never purchased anything via XXXX. I only used XXXX to sell certain items and never purchased any items and that XXXX will not allow anyone to withdraw funds if money is owed.

Credit Corp Solutions Inc. claimed they would look into the matter. Credit Corp Solutions Inc. would not identify any involved parties that I allegedly owed money to. 

Received letter from Credit Corp Solutions Inc., postmarked XXXX XX/XX/XXXX, stating that Credit Corp Solutions Inc. had acquired this alleged debt, in the amount of {$1100.00} from XXXX and that now I must pay this alleged debt to Credit Corp Solutions Inc .

A total of four ( 4 ) items are listed, in various amounts. All four ( 4 ) items were made on the same day / year. These four ( 4 ) items are not mine, and are not identified by Credit Corp Solutions Inc. except for a date and dollar amount. 

Since XXXX refuses to discuss this matter with me in any form, and since Credit Corp Solutions Inc. refused to identify actual parties making these alleged claims of funds owed, I believe one of two ( 2 ) things are happening here : 1. Identify Theft being my XXXX account was hacked and this is a failure of XXXX to protect their account holders or 2. There is a collusion between Credit Corp Solutions Inc. and XXXX to make false claims to extort funds from account holders.

I have reviewed Credit Corp Solutions Inc. ratings on the XXXX XXXX XXXX XXXX XXXX XXXX website and there are numerous filings with the BBB of complaints against Credit Corp Solutions Inc. for fraud, exactly as I have described my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the medical provider, my debt was turned over to a collections agency in XX/XX/XXXX. I DID NOT HEAR FROM THE COMPANY UNTIL I RECEIVED A NOTICE IN THE MAIL DATED XX/XX/XXXX. 

If the medical provider OR the debt collector had TIMELY reached out to me, I would have been able to give them the proper medical insurance information, and insurance would have handled it. But instead this debt collector PURPOSELY waited two years and five months to BEGIN pursing the debt. Because of this, my medical insurance will no longer pay, and I am forced to pay out of pocket to protect my pristine credit.

I am confident that I am not the only person that has been affected by this. If the insurance company handles the debt, then these debt collectors do not make money. However, if they purposely, improperly, and egregiously wait until the contractual statute has passed, then they can collection a portion of the debt owed directly from the consumer. This is FRAUD. This company should be sanctioned for their egregious behavior and have their business license revoked immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Take a look at the attached documents. I want the bureau to commence an investigation into these accounts, as I am consistently punctual, and yet they are reporting me as late.

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 2023-05-06
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: Account status incorrect

Complaint:
I have been fighting with this since 2016 XXXX XXXX financial. Changed me for classes I never attended t, they said they never received my letter I wasnt attending. I made a settlement with them and paid collections agency and the said account is closed now but the credit agency company is still reporting and having a negative impact on 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 explanation
Consumer complaint received 2022-11-08
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX, I saw a lot of pre approvals on credit karma.At first I didn't pay it no attention, but credit karma kept sending me all sorts of pre approvals telling me that I was pre approved for credit cards, personal loans, and that I can refinance my car.every day I would see different offers everytime I would log in, to check my credit scores, so after a few months of being told that i was pre approved I thought I was now in the perfect place to apply.I got so many offers through credit karma I started telling my whole family about vacations and investments we were going to use these pre approvals for.So I finally applied on or around sometime in XXXX and I got denied for.2 credit cards and a personal loan.i was distraught, I was very angry and i felt deicieved I was marketed to for months.credit karma told me that I was pre approved.This was a lie.I would severely stressed out.I was nauseous for weeks, I had headaches so bad I became anti social my XXXX went from 0 to 100.now everytime I see pre approvals I immediately close my phone and shut my computer off.This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of true name fraud as a result of the Equifax data breach. On XX/XX/XXXX of this year, fraudsters applied for loans in my name to more than 24 entities. These fraudulent applications appear on my Clarity report, XXXX, Equifax and XXXX credit reports. I alerted Clarity and the credit bureaus of this situation. I also placed credit freezes and fraud alerts on all my reports but I am still being quite negatively impacted by this. Most recently, XXXX XXXX notified me that their exorbitant auto insurance quote for me was based on the number of credit inquiries on my XXXX report. But I did not make these inquiries and I am not being properly assisted by the bureaus because they fail to communicate the status of these fraudulent inquiries on my report and continue to supply this false negative information to companies and businesses. I really need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: HI
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  ( XXXX 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 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 explanation
Consumer complaint received 2024-01-10
Company: MoneyLion Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Please remove all my fraudulent accounts immediately. I was victim of identity theft and trying to get my life back on track is the furthest thing from easy. I had much success removing things due to my identity theft but they're are still some companies that are not following proper protocol when it comes to validating my " debts. '' I have asked for verification of debts, I have submitted countless paperwork including ftc reports and police reports but nothing is getting done. 

Accounts include : Account name XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX I will submit my paperwork here again to show you show whats going on. 
Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ridiculous. Im a fastidious monitor of my credit and have always had everything in order, until about on or about XX/XX/XXXX, when I got a monitoring service notice that negative information had been posted. I see it is @ gmfinancial has said Im 30 days late for a payment. I had a GM lease and turned it back in on time the first of XXXX and had been waiting for the final bill. Well calling GM on XX/XX/2019, I was told revealed that it was this final bill that was recorded as over 30 days delinquent. I told them I had never received a bill and they admitted that it had not been sent yet but if I wanted to pay it over the phone I could, which I did. They then said they would correct their mistake and take the ding off the credit report. Called them again on XX/XX/2019 to see why it hasnt been corrected and was told they submitted the paperwork on XX/XX/XXXX, and once it was processed internally it would take ano ther 30-45 days to have this mistake corrected by the credit bureaus. My question is XXXX? We are looking for a new mortgage and this over 100 point reduction in my credit score will cost me thousands of dollars in mortgage costs. Do I get the mortgage and sue @ gmfinancial for the cost or are there attorneys out there that will take this sort of thing on. Oh and as a guy with XXXX I have many better things to do right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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  ( XXXX 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 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 2023-05-09
Company: EQUIFAX, INC.
State: PA
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:
I have a fraud alert on all 3 bureaus I noticed inquiries on my account which I did not authorized which need to be deleted I did make another Ftc report as bureaus requested. 
the inquiries I noticed on XXXX is : XXXX XXXX XXXX XXXX and XXXX  the inquiries I noticed on EQUIFAX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with ENHANCED RECOVERY COMPANY. I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COMPANY. I am not responsible for this debt with ENHANCED RECOVERY COMPANY. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Frontline Asset Strategies, LLC
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am repeatedly getting calls from a XXXX area code number with multiple numbers like XXXX and others from a company called frontline asset strategies. I told them I disnt know anything about the debt and he said he would email me a copy of the papers. Never got it he called again and said the same thing and I still have not got anything I have checked spam and regular folders.. he called today XXXX XXXX  at around XXXX XXXX  most. They also many times a day. I told him I wasn't agreeing to anything till I see the papers to validate it as I feel it may be a fraud account. But they still call. I have emailed them as well and got nothing. Just many calls all day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: NM
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief