BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Credit Bureau, for your great work and reliability, I am writing you this letter in order to investigate again the elements named below. 
Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Tuesday XX/XX/2020 I received a letter from Credit Collection Services XXXX XXXX XXXX XXXX, MA. XXXX XXXX Their letter was an attempt to collect {$170.00} on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX This is in reference to a homeowner policy XXXX. I had previously faxed a request to cancel this policy to XXXX effective policy renewal of XX/XX/2020. XXXX chose, on their own accord, to continue coverage, then to cancel the policy on XX/XX/2020 resulting in a {$170.00} bill. I did not want to continue insurance coverage with XXXX therefore the reason I submitted the cancellation request. If XXXX had processed the cancellation as requested no amount would have been billed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My card is locked and I've been trying to reach someone over American Express Serve to resolve the issue with no lock. I cant access funds or receive funds because of the issue with the card. I need help getting the card unlocked or to get a new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2000 Balance : {$91000.00}

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 2023-01-11
Company: Certify Student Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Called XXXX to ask if they were receiving any money from me because I had been sending payments through my bank account to Certify Student Services loan company. The representative at XXXX informed me that they do not work with 3rd party companies and that there should be no money coming out of my account right now because all student loans were frozen until further notice. Then I was told to report the company. I Informed XXXX that Certify Student Services had been taking money out of my bank account since XXXX of 2022 for {$120.00}. Then told by representative that they have not received anything and to please report the company because they are not on the list of companies to handle student loans. And if I am lucky, I may be able to get some of or all of the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$20000.00}.

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 non-monetary relief
Consumer complaint received 2023-08-21
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone took out a fraudulent loan in my name. I immediately alerted Affirm and they assured me it would be taken care of. It has been 6 months and they have done nothing to investigate. They had 2 different debt collectors come to me on their behalf. All while they claim my dispute is still being investigated. My credit scores have decreased significantly because of them. They do not have any legit customer service. In fact, every time they send an email to me there is no name in the signature. This company is shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed this problem multiple times with the company and they still wont fix the problem.

I am a natural person, I am a living human being, I have rights under 15 USC 1681. TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. Inquiries

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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase XXXX my account down due to a 3rd party check. They refuse to send the remainder of the money left in my account. This is causing me a lot of stress & financially impacting my ability to take care of my family & pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
When I investigated my credit report, I see that the account was erroneous. XXXX and TransUnion are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXXXXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-08-21
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was refinanced in the amount of XXXX without my permission, Also to know use of mines as XXXX was added to my mortgage principle, I didnt receive a lower interest rate or cash out but its all written into a new contract by SLS this is unlawful and fraudulent doing by Specialized Loan Servicing as there hold no PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature, A LOAN mean Debt evidence by Promissory Note plus interest, A promise to pay doesnt constitute a loan.I have no contract with this corporation and would like them to stop

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX ( XXXX ) 2. XXXX/XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX   ( XXXX ) 7. XXXX XXXX XXXX ( XXXX ) 8. XXXX XXXX ( XXXX ) 9. XXXX XXXX XXXX ) 10. XXXX  XXXX XXXX   XXXX ( XXXX ) 11. XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my XXXX XXXX loans in XX/XX/2011. The total number of eligible payments is incorrect. I should be close to 120 eligible payments, but they have me listed at less than that. The loans were serviced through XXXX XXXX and XXXX XXXX and are now with FedLoans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, 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. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 explanation
Consumer complaint received 2023-04-21
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: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Letter written to Management of XXXX @ XXXX XXXX & NCC Business Services To NCC Business Services : XX/XX/2017 Below is the email I sent to XXXX @ XXXX XXXX. I hear by dispute the validity of this claim in writing and refuse to be bullied into replacing a carpet that should be replaced anyway. The monthly rent should allow for the replacement of the carpet after each tenant. This cheap carpet is designed not to last and the apartment complex counts on that to make each tenant put in new carpet. This way they never have to pay for a cleaning or the carpet. I will not pay this claim. 

To XXXX XXXX : XX/XX/2017 I just received your invoice to replace the carpet in the Apartment I rented for a year. First of all, I noticed pet odor listed on the report. There never was a pet left there unattended and there never has been a pet use that apartment while I occupied it. There had been previous pets, because when I took over the apartment the teeth marks were in the doorway to the bathroom as indicated on my move-in inspection form. Any stains in that carpet were due to the design of the apartment. The trash either goes in the kitchen or the laundry room ( to keep it on the vinyl ), trash bags sometimes leak and the only way to get out of the apartment is across the carpet and out the front door. The stains you see are due to leaking trash bags, not pets. I recommend tiling, vinyl or hardwoods from the kitchen to the front door and it would resolve that issue. I gave my XXXX dollar security deposit upon move in to handle any concerns, but to be honest I expected it back because that apartment was well maintained, and your rent was on time. The quality of the carpet and the design of the apartment made those stains unavoidable, and could have been removed from a professional cleaning ; however, I guess there isnt much motivation to do so since you can just pass an invoice on to the prior tenant for new carpet. You can keep my XXXX security deposit, but I will not be paying for the replacement of the carpet in that apartment. The threat of a collection agency does not scare me, nor does the threat of hurting my credit. I will not be bullied into sending you money that I feel is not warranted. If I am contacted by a collection agency I will resort to social media to expose this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CA
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:
I have been a victim of fraudulent activity on my credit report that I did not authorize. The following inquiries need to be removed : Equifax Mortgage Solut : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CA
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:
I have been a victim of fraudulent activity on my credit report that I did not authorize. The following inquiries need to be removed : Equifax Mortgage Solut : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm filing my complaint in accordance with the FCRA 's guidelines to ask that the following items, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. 

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 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 2020-04-15
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX-20 received a notice in the mail from the Court of Common Please stating action is being taking against me for a debt that was sold to a third party collection agency without my giving verbal or written consent. I have made attempts to reach the original debtor but they have declined my outreach. I have filed complaints with all three credit bureaus stating the debt was sold which caused a breach HIPAA buy  selling my full name, social security and date of birth without written consent and such actions have violated my consumer rights rights creating financial damages and hardship. This action has contributed to the decline of my mental status and increased stress.

Company response to consumer: Closed with explanation