BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: SUNRISE CREDIT SERVICES, INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019, I was alerted by my credit monitoring service that a company doing business as Sunrise Credit Services had reported a collection account to my XXXX, XXXX, and XXXX credit files. Having no present of former signed contracts or related accounts with said company, I immediately reported the collection as a fraudulent account which does not belong to me. I took immediate action and filed a dispute against said company. My attempt to resolve this matter was to avail. To further my investigations on said company, I researched the State of Alabama Secretary of State website and I have found that this company is not licensed or bonded in the state of Alabama to practice, perform, or otherwise collect debts owed or otherwise in the state of Alabama. The law clearly states that it is illegal practice to perform any debt collection attempts where the company is not registered to do business with the Alabama Secretary of State. This company is not listed on the Secretary of State website as an legal entity authorized to do business in the state of Alabama. I am requesting the matter be resolved by the company immediately deleting the collect account from all credit files, and refrain from any attempts to contact me, as we have no contractual agreements of any sort or other business related matters to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of 30 days late, XXXX and Equifax are not reporting this account, XXXX   XXXX : XXXX  is reporting a payment status of 30, 60, 90 and 120 days late, XXXX and Equifax are not reporting this account. XXXX : XXXX  is reporting a payment payment status of 120 days late, XXXX is reporting a payment status of 30 and 60 days late, Equifax is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX and XXXX  are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX   and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV FUNDING has been non-compliant with removing the unverified account information. I sent letters because I have no knowledge of this account I sent them several letters no response. I sent an 611 letter to the credit report agencies to see if they would've had better luck one of the reporting agencies closed the account and reopened it and the others came back verified and I have yet to see and paper work with an signature or anything to show proof several laws are being broken and I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
To whom it may concern Navient is still calling my Job, to Harass me and trying to get me fired from my Job, Today XX/XX/2019 from a Ms. XXXX called and stated she will continue to call me on my Job and she doesn't care if I get fired form my Job, I deserve it for not paying my student loan and who care if you have Health Problems. 
I have pics from the caller I.D . from a Toll Free Number of XXXX @ XXXX Today is XX/XX/2019. I am Sick and Tired of Navient Harassing Me. Please make them stop .... 

To whom it may concern Navient is lying, regarding calling my job, I've asked many time for Navient, to add on the file, Do Not Call my Job, which is causing a problem for me with my Employer. as of Today XX/XX/2019 I received called today, and this past week. I have saved several pics from the caller ID, showing Navient, regarding the DO Not Call My Job, Please Stop Them Thanks To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX- phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Revised as of today XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Creditors Specialty Service Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XX/XX/XXXX, I have received notifications from Creditors SpecialtyService Inc. Due to illness, I did not have the ability to address the debt or communicate with the collector. In XX/XX/XXXX, with my health declining further, I attempt with the help of my sister to resolve the debt. Due to other concerns with finances, my intention was to declare bankruptcy. The only communication ( see call log attached ) with a representative was made in late XX/XX/XXXX, who gave me what I need to do to resolve. All attempts since that phone communication have gone unanswered ( see call log ) and it appears that the company is either no longer in business or my have gone bankrupt. I need to resolve this debt and clear any cloud on title of jointly owned property with my siblings. I am ready to resolve the debt, but have no means to connect with the company to do so.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased 5 packages containing 2 face gaiters each from XXXX on XX/XX/2020, order # XXXX. 
XXXX was delivered on XX/XX/2020. 
On XX/XX/2020 I emailed the company to inquire about procedures for returning the merchandise because it did not fit. 
XXXXXXXX XXXX responded with a form to fill out for returns. I filled the form out to return 9 of the 10 face gaiters because per the company, they only accepted unopened returns and I had opened one mask try on. 
I returned the items within the required 15 day window. 
On XX/XX/XXXX I emailed the company to notify them that I had sent back the items several weeks prior and wanted to know when I would receive a refund. 
The company replied on XX/XX/XXXX stating they received my returned merchandise minus the one gaiter I did not include ( because it was opened ). 
The company then refused to issue a refund. 
I emailed the company again on XX/XX/XXXX to find out why they had not refunded me and I did not receive a reply. 
I filed a claim with Bank of America for this charge on XX/XX/2020. 
On XX/XX/2020 I provided Bank of America with a statement letter as requested, along with email correspondence between myself and the merchant, XXXX. In the emails I provided, I included the email where the company admitted to receiving my returned merchandise. 
This claim has remained opened and unresolved for nearly 4 months with Bank of America.

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 2021-04-26
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An offline party at heartland payment system payroll services has request my state ID social security card and proof of residence after already receiving it XX/XX/XXXX of this year they admit they revived it original but dont know why they need it again ... .... I havent been able to access my money since XX/XX/XXXX they wouldnt even tell me where to fax the information until the XXXX now I have to wait 5 business days if not longer for this offline party to even get this information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Loan with Toyota Financial Services. Sold the car & paid off the loan. Even after loan paid off, Toyota Financial Services drafted the monthly installment payment out of my bank account. Website showed that call center is open after XXXX XXXX. " local time. '' I called in at XXXX EST this morning and got an automated message that the call center is " closed '' but that it's open at XXXX " local time. '' Obviously this is false. I need Toyota Financial Services to refund the monthly installment payment since the loan is paid off. Also, they should update their website and automated voice system to reflect the times that the call center is actually open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased the home on XX/XX/XXXX at the original loan amount of {$90000.00} with the original loan company, GreenTree Financial. Our loan has switched hands 3 times and is now with Sheelpoint Mortage. We had been making on time payments for over 20 years but our balance today remains at {$120000.00}. I, as main income provider, in the past 3 years have had medical problems that has made me miss work a total of 1 year and then in XXXX of XXXX, I was downsize from my job and have been on unemployment. Shellpoint is going to foreclose on our home. I feel this loan is a PREDATORY LOAN because even when we were able and did keep our payments current it did not effect or decrease our loan at any time. Now that we have had income problems Shellpoint is willing to foreclose and take our home away from us and we feel with this loan we were never given the chance to make good on it. We are attaching the original GreenTree letter and the current foreclosure statement to show the loan amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-11-17
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions 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:
experian reporting an was unauthorized XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/2018 2018

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 2023-02-14
Company: Halsted Financial Services, LLC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have received 6 phone calls during the period of XXXX - XX/XX/14, per day. this is in addition to 3 emails. Totaling 243 impressions to my personal phone and email. 

Halsted claims that they bought an account from XXXX XXXX XXXX, but there is no history or information validating such.

Halsted has refused to verify the debt or information from XXXX XXXX XXXX and I can only assume that this is in error. 

Given this must have been given in errror, recommend halsted remove account and cease contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2019-02-20
Company: BB&T CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score 35 points because it states that I had a high balance, and missed a payment.

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