BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3600.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2017-08-01
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX I never used the card and they closed it without me knowing. I would like them to remove it off my credit I 'm trying to buy a house and this is holding me back

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 2019-05-23
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did an Voluntary Return of Merchandise to CONN 's on  XX/XX/2018 because the Company was deceptive and put unauthorized charges ( insurance ) on the account. Two men came to my house and pick up the TV and Sound system on XX/XX/2018. Now a year later CONN 's is Harassing me with letters from Attorneys stating I owe for Merchandise that was return to them on XX/XX/2018. They have continued to show delinquent account on my credit report for monthly payments which are no longer due since the merchandise is not in my possession. I have sent them letters, filed a complaint with XXXX XXXX and have recently disputed the report to my credit report they have yet to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: 21ST MORTGAGE CORP.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This mortgage company is discriminating based on a number of factors. The company first approved a loan, then do to its religious preferences denied the loan. The incident has occurred in Arizona. The company, 21st Mortgage, is headquartered in Tennessee. Given the geography, the incidents are not isolated at the present time, whereas 21st Mortgage and others perceive themselves as being protected against any formal proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Waypoint Resource Group is showing as a " collection debt '' on my credit report, with the original creditor listed as " 11 XXXX XXXX ''. I have never held an account with XXXX XXXX. I disputed the reported collection debt, however for some reason it has been investigated and reported still as a valid debt. There is no contact information or account number to call and inquire about supposed 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 2019-09-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Company was asked to provided written documentation of signed contract for services provided and did not do so. XXXX investigated and did not provide proper documentation to me either and continued to report this debt on my credit report when XXXX XXXX and XXXX   removed before sufficient documentation was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: ERC
State: AL
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:
On XX/XX/2020, Enhanced Recovery Company added a derogatory mark on my credit report per XXXX XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Enhanced Recovery Company has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
Your company is currently reporting to 3 credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint against select portfolio servicing case # XXXX. My loan # is XXXX. What I am looking for is not a trustees deed. It is clear that it is a fraudulent. What I am looking for is the change in trustee documents. That should have been sent from XXXX XXXXXXXX XXXX to XXXX XXXX to make him trustee and sent to me letting me know of the change in trustee. XXXX XXXX XXXX says they never did the transfer of trustee because they were never trusttee. They open a file but it time d out because they never received the documents in the time limit set out by IRS. This says there was never a mortgage created. I know that was no Notary nor would I sign my name as XXXX XXXX. That is not what is On my divers license. So that means the documents are fraudulent. How these banks got these documents I have no idea. if they had a problem it was with XXXX  not me. Please provide me with a certified copy so I can verify it with XXXX. As XXXX   XXXX XXXX says they never issued the conveyance any of a transfer of trustee.This why I have no liens on my property. XXXX XXXX has committed fraud along with sps, XXXX and many others. Your Trustee Deed is a fraudulent. These people did a fraudulent foreclosure they wrote a fake writ to have remove from my property an all my property stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, 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:
XX/XX/2019 I disputed 2 accounts that were on my credit report. 

I asked for method of verification on how they they verified the accounts. All I got back was a letter saying that the accounts had been verified and they were staying on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.

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 2019-09-11
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am currently a college student. I was contacted by someone through my email and was offered some sort a research opportunity that dealt with finances and sorts. Because of that, they sent me a check and I deposited the check thinking that check was real. After the money showing up in my account, I believed that I had that money in my account. After the person who sent me that check, asked me as one of my responsibility to send money to someone. And since that money showed up on my account, I did as they instructed to send through zelle. But turns out, the check was not real and in the end was scammed and lost XXXX. I send money to them thinking that since the money showed up in my bank account everything was okay. However, later I realized the check was fake. I went to XXXX XXXX XXXX as soon as I could thinking that because it only happened a day ago they could do something. However since zelle is a quick payment, they told me there wasnt much they could do. I believe zelle should protect their customers better and if someone wrongfully sends money, they should be a way to help them with their problems. Now my bank account is empty and I can do nothing but wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, Im writing this complaint regarding an inquiry I have displayed on my Transunion credit report since XXXX, XXXX 2019. The inquiry is listed as XXXX, XXXX, XXXX XXXX XXXX. I have contacted the company and was informed that they have no such record of me in there system. The company XXXX, XXXX, XXXX XXXX XXXX, has made me aware that this is an issues with TransUnion. I have contacted TransUnions dispute phone number and have been told they can not do anything else I send in a deletion letter from XXXX, XXXX, XXXX XXXX XXXX, the company can not write a deletion letter as they have no record of me in their system and are not sure why this is on my 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 2019-10-22
Company: National Enterprise Systems, Inc.
State: DE
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:
On XX/XX/2019, XXXX reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both XXXX as well as the collection agency ( then ) XXXX XXXX XXXX to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from National Enterprise Systems for {$370.00}, the same amount paid on XX/XX/2019. I again called XXXX as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to XXXX electing to place me into collections twice for the same account. I do not trust neither believe in the process of XXXX as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Multiple collection companies harassed me via phone calls and letters attempting to collect a debt that had been settled in the past. The debt had been settled for the amount of {$360.00} ( settled with XXXX XXXX XXXX on behalf of the original owners of the debt ) on XX/XX/XXXX. 
I informed the collections agencies on multiple occasions that debt had been paid but they would not stop trying to contact me over the same matter. 

After settling the debt, I was contacted by XXXX XXXX, which prompted me to meet with an attorney. 
My attorney 's office sent out a certified letter to the collection company on XX/XX/XXXX with the following documents : 1 ) Proof that debt had been settled already.

2 ) A letter asking the collection company to provide written verification that the information had been removed within 30 days and that all collections efforts have ceased on their end ; the same letter included a request that they not contact me again Then a letter was sent to me on XX/XX/XXXX by Dynamic Recovery Solutions, and they began to harass me again with phone calls. 
The letter was demanding payment for the same debt ( stating that the current balance was {$240.00} ). 

My attorney 's office once again sent out a letter via certified mail on XX/XX/XXXX to inform them to cease and desist further efforts to collect the settled debt. 

Another letter was sent to me on XX/XX/XXXX from the same collections agency ( Dynamic Recovery Solutions ), requesting payment for the settled debt. This time they offered multiple payment options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX and XXXX I and my daughters took out Parent Plus loans through NAVIENT for their college education. Daughter XXXX XXXX took out a {$20000.00} loan and daughter XXXX took out a {$23000.00} and a {$21000.00} loan. 

Since we were having trouble paying the monthly amount originated with the loans I called NAVIENT for an alternative payment plan. 

Now after eight years of payments, of {$3700.00} on time we owe {$67000.00} in principal which is several thousand more than we originally borrowed. Whats more I'll be paying $ XXXX monthly on these loans for the next 20 years -- until I'm XXXX years old. 

It feels like a total scam and ripoff. I can't believe this unscrupulous company would do this to college parents and their children who are trying to get ahead but will be dragging anchor for another two decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called the loan company ( LoanatLast ) ( XX/XX/2019 ) because I had two payments ( {$98.00} ) each taken out of my account within two weeks. After asking a few questions I was informed that I am paying interest 675 % per day on the initial load of {$750.00}. This amounted to approximately {$95.00} of interest per day. I ask for the payoff and it was XXXX as of today. I did pay it off over the phone. My complaint is that no place in the contract does it state that interest was charged by the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent Experian a notice letting them know the name on my credit file shows XXXX XXXX and its incorrect. I sent them a letter over a month ago my name hasnt been corrected.

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 2020-07-28
Company: Dynamic Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife was in a rear-ended in a traffic accident on XXXX XX/XX/XXXX and was taken to hospital via ambulance. We finally received a bill for the ambulance service XXXX XXXX XXXX XXXX XXXX early XXXX for the amount of {$980.00}. This was submitted to insurance and paid XXXX directly on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX we received a debt collection notice from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX for the paid debt. A reply was sent to XXXX XXXX on the same day notifying the debt had already been paid to XXXX. 

On XXXX XX/XX/XXXX we received a debt collection notice from Dynamic Recovery Solutions LLC ( on behalf of XXXX XXXX XXXX XXXX XXXX for the paid debt. A reply was sent to Dynamic Recovery on XXXX XX/XX/XXXX notifying the debt had already been paid to XXXX. 

On XXXX XX/XX/XXXX we received a debt collection notice from Dynamic Recovery Solutions LLC ( on behalf of XXXX XXXX XXXX XXXX XXXX for the paid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: EQUIFAX, 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:
Pretty simple ... ... .My mortgage loan holder XXXX XXXX stated they would stop reporting any derogatory information to credit reporting agencies during the COVID-19 pandemic. 
In XX/XX/XXXX a ( Late Payment ) was reported to XXXX, Equifax, and XXXX ... .I submitted an online request to have this derogatory information deleted. They all have failed to comply with this request as of XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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: Information belongs to someone else

Complaint:
Please remove all creditors

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