BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is Mitchell D. Bluhm & Associates , LLC I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Mitchell D. Bluhm & Associates , LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. Mitchell D. Bluhm & Associates , LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where Mitchell D. Bluhm & Associates , LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. Mitchell D. Bluhm & Associates , LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: NY
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 ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it 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 explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2023-12-13
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
On XX/XX/XXXX I bought XXXX XXXX XXXX From them everything seemed good until I was about to install a CD player came to find out there was a second layer of Dashboard I started looking further and realized there was a sheet of plastic glued on the Dashboard I took it off and the complete dash was broken I reached out to the sales rep he said we will fix it and then to reach out to service manager. I called him he goes I told the sales manager that do not sell the truck like this no one will like it let me call you back I said OKAY and they never called back I went to the dealership and try to get my truck fixed the manager cursed me out and threaten me. 

XXXX XXXX who financed my car is there XXXX company registered in different state but mailing XXXX XXXX XXXX is XXXX XXXX. I asked the Loan officer who was funding the loan not to do it as i found the mechanical problem but they still went ahead and did it..As this was an inhouse deal so they know what they where doing this is Fraud and Scam with the Consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: MI
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:
Creditor has corrected their records and notified me that I do not owe the balance showing for XXXX and that they would notify credit agencies to correct this fraud. That has not been done with the credit reporting agencies. I have been able to contact XXXX  and XXXX  and am in the process of amicably resolving this issue. I have not been able to contact Experian and am therefore seeking help with the CFPB. 
In XXXX of 2019, {$1100.00} in charges not made by me were assigned to my XXXX account, # XXXX. I immediately notified XXXX and after an investigation I received a letter advising that they felt I had not made these chargesand they would correct my account and notify credit agencies. I wish to submit documentation to Experian so they will XXXX  and close this acoount. I will send the orignal statement showing the charges and the account no. to which they were assigned, the letter from XXXX stating that I am not responsible ( this letter has an incorrect designation of the acoount number which in our conversation XXXX assured me they had corrected ). 

I tried calling Experian but their voice menu did not fit the problem and when I tried options available and tried to speak to a representative I could not get thru. They only tried to direct me to a web site which i couldn't open.

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 2021-02-05
Company: Experian Information Solutions Inc.
State: NC
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:
Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, 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 2023-02-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, 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 2019-04-18
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX I deposited {$45.00} to Bank Of The West at : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I opened Checking and Savings. 

The next day I was hospitalized and unable to accomplish moving automatic deposits and other items that would otherwise be directed to this account. I remained hospitalized on more than one occasion and spoke with B of W personnel - explaining that I would be unable to attend to the matters - that I was XXXX and could not drive for a time. I requested the account be " FROZEN '' and that no further activity be allowed until such time as I could resolve this issue. 

B of W personnel assured me there would be no issue freezing the account - there was no activity and although a debit card was issued to the WRONG address - it was never activated and there was absolutely NO activity on the account whatsoever. At that time I requested the Account to be closed. Customer Service told me I would have to come in ( in Person ) to do this. I explained I was XXXX and not driving - and they persisted that this would have to be done IN PERSON. 

On XX/XX/XXXX I was issued a letter stating that my accounts were OVERDRAWN and that if I didn't bring them up to a current standard and pay the OVERDRAFT FEES that they would be starting Collections Actions and making a poor credit report about my banking activity / inactivity. 

On this day XX/XX/XXXX I spoke to the Bank 's Customer Service and they stated essentially the same thing - that despite the fact that I deposited {$45.00} and froze the account that they had SERVICE CHARGED ME to a ( - {$20.00} ) and that I would have to PAY TO CLOSE THE ACCOUNT FOR GOOD!!! 

This can't be good banking - and can not be legal. They did NOTHING for me but service charge me - not one single transaction - NOTHING!

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 2023-10-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$4100.00} XXXX XXXX  Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I had filed bankruptcy in XXXX. I was told that the student loan were forgiven and no further action was needed. Over the last several months I have been trying to deal with getting paperwork sent to me in regards to my mother 's XXXX, since Navient has decided to start harassing her for money as she is my cosigner. They repeatedly told me that the forms would be sent and never were. Finally, 5 months after trying to get paperwork initially, it was sent to my mom. She filled out all the required documents in XXXX and when we had not hear back from anyone in XXXX, my mom called. The paperwork had been sitting in a pile on someones desk, not even being processed. When I called to speak with someone, I was told " ask your landlord for free rent so you can pay us. '' Is that proper management or verbage to someone who has been trying to get help with these student loans for months!? I was also told there is no way to request forbearance or deferment. I can not pay for these loans at this time and my mother is severely XXXX and unable to make payments. This has been going on since XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
1. XXXX # XXXX- the bureau has left this account on my credit past its 7 year expiration date of XX/XX/XXXX. They added dates under last active and last reported in an effort to illegally leave it on far past its 7 years in an effort to continue to keep my credit in a negative standing. This account is expired and needs to be removed now! 

2. XXXX # XXXX - this account hasn't had activity since long before XXXX given it was on forbearance due to a class action lawsuit filed against the XXXX of XXXX for allowing colleges to fraudulently use government financing for fraud. This account is now at its 10 year expiration date as of XX/XX/XXXX. It needs to be removed. The bureau put updated dates on it in an effort to keep it too on my credit when it will be past its time this month. I'm not going to sit still and allow it to happen. It needs to be removed now!

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 2021-02-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XXXX XXXX 2020. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: GA
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 sent a debt validation letter and method of verification letter to Equifax on XX/XX/2021 and never received any communication in regards to my letter. I then sent another letter XX/XX/2021 as a second attempt to get information verified or deleted from my credit report. The bureau states that the accounts were verified as accurate prior to me disputing but never sent the requested documents to me as proof. They are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My problem is with Equifax. They refuse to talk to me, but one month ago, in XXXX of XXXX I had my free annual credit report from Equifax which shows no judgments on my record. Today I was notified by the manager of an apartment building I was anticipating moving into that there is a judgment against me on my Equifax credit report. Today is XXXX XXXX, XXXX. The manager stated it was with XXXX XXXX XXXX in New Mexico. 

Sometime in XXXX or XXXX, there had been a judgment placed against me by XXXX XXXX in XXXX County, New Mexico. The judgment was placed in error, it should have been placed against the owner of the mobile home. When XXXX XXXX perceived their error, they removed the judgment, less than one month later. Today, after speaking with the apt manager, I contacted XXXX County Records and they confirmed there is no judgment standing against me. 

I then called Equifax, and answered all their identity questions. There were very detailed questions about my credit, but since I had my recent credit report in front of me, I read them the details off their own credit report. They told me the informative I gave did not match their records, and that they could not speak with me. 

I then tried to place a dispute online with Equifax. I answered their security questions and was again told the information did not match. 

They did ask me about " Do you have this or that credit card '' and since I have no credit cards, I said no to all. They asked if I had a mortgage or car loan, and I don't, so I said no. They asked about my student loan, I said yes, and gave the provider. My name, address, age and social security number haven't changed. But after being on the phone for over two hours talking with multiple people and constantly being told I am not me, and then having the computer tell me I am not me, how am I ever going to get them to correct this problem? They won't talk to me! They must have incorrect information, but I am at a loss. I was reading to them off my credit report issued by them which was only one month old. 

Bottom line is, I am living in a city where the weather stays below zero for several months a year, and the place I am living in had the heating system go out. Space heaters are vastly inadequate. I have to move, or risk illness or even death. But I can't move because they are giving potential new landlords incorrect information. And I can't get it corrected because they won't talk to me. 

This problem has a very sensitive time line on it. They won't hold the apartment for me indefinitely. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My problem is with synchrony bank I have accounts with QVC HSN and XXXX  which I have had for several years I have always pay these companies on time never late Recently the bank started to send QVC items on my account denying payment so that had me double paying in other words I am paying the bank and the store In the past few days XXXX  send me a list of some items and have threatened to send to collections that the bank has sent to them It has me paying the card and the company Synchrony is engaging in illegal business practices Please help me I am an honest person that pay my bills on time This is not right what they are doing

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