BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX, I received a letter from Linebarger Goggan Blair & Sampson, LLP,  stating that my Driver 's License " may be suspended '' and that I owed {$380.00} for XXXX to XXXX County Clerk of Courts. On XX/XX/XXXX, I called the number and spoke to a XXXX that stated they had been hired by XXXX Clerk of Courts. 

I explained to XXXX that I had already gone to court for the issue and the case was dismissed since I showed proof that I was not in possession of the vehicle running tolls. 

I have been in contact with the XXXX Clerk of Courts, Traffic Division, in addition to the Toll Authorities regarding these issues several times. On XX/XX/XXXX, I called and emailed the Toll Authorities in  addition to requesting yet another court date for the same issue, same vehicle, different ticket and never heard anything regarding another court date. 

On XX/XX/XXXX, I recalled the Toll Authorities again and it was verified that I did request another court date. I was also informed there was a 3rd toll ticket pending for the same vehicle, different date. 

Today, XX/XX/XXXX, I sent numerous communications to XXXX Clerk of Court, asking for the Name and Contact Information for the Hearing Officer since they advised me on XX/XX/XXXX, that they never received another court hearing request and I would need to contact the hearing officer. 

What they did not receive was another {$20.00} to keep my license unsuspended until a second court date was scheduled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: TX
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:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX : XXXX XX/XX/20 Experian : XX/XX/20

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 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.

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 2018-10-05
Company: Experian Information Solutions Inc.
State: AZ
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:
My XXXX XXXX XXXX credit card # : XXXX and my XXXX XXXX XXXX XXXX XXXX   credit card # : XXXX is lost/stolen, and all the transactions on my credit card accounts is fraudulent transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Spring Oaks Capital, LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collection letter for a credit card from XXXXXXXX XXXX.I don't believe i opened this credit card, I asked them for proof of debt XX/XX/2022, they provided me with the last 2 statements, which showed only the amount owed {$610.00}. I asked for the application and all statements in XXXX XXXXThey did not provide the application just the statements. In XX/XX/2022 I asked again for the application. They stated they can not send me the application. This is non-compliance. If you're trying to collect a debt owed, you should be able to provide all documents on the account. No payment was ever made on this account so I am unable to prove it was my debt, as I would've at least made payments to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: AL
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 recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX, XXXX on or around XX/XX/XXXX. They letter said I owed their client, XXXX, for some sort of service or product. I sent a debt validation letter to Convergent via USPS certified return receipt on XX/XX/XXXX requesting that they validate the debt. They received my letter on XX/XX/XXXX @ XXXX XXXX. I specifically asked that they provide the following : -Proof that they purchased or was assigned the debt by XXXX XXXXCopy of a signed contract proving that this is my debt -Complete billing ledger that outlines how the alledged debt was incurred with dates. 
On XX/XX/XXXX, I received a letter from Convergent stating that they have validated said debt and had attached a copy of an invoice that appears to be from XXXX dated XX/XX/XXXX. 
Convergent has failed to properly validate said debt. What's more troubling is after I looked at what appears to be a XXXX invoice sent by XXXX, I noticed the date. Statute of limitations in Georgia is 6 years. Is Convergent illegally attempting to collect on debts that are past the statute? Are they providing false documentation with the intent to collect money from innocent people who don't owe the debt? How many people have they done this to?

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 2020-10-19
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: Account information incorrect

Complaint:
I agree the two settlements were done per your response, but you are still reporting balances owed. Since these accounts have been settled the current balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged an overdraft fee by Chase Bank due to an online purchase. Though my account showed a positive balance at XXXX XXXX ET, their cutoff time, and for several hours afterwards, in the morning they essentially retroactively applied the payments to the previous day meaning that even though they showed me a positive balance at XXXX XXXX  ET and at XXXX XXXX ET and at XXXX XXXX ET ... I was overdrawn at XXXX XXXX ET and assessed a penalty. 

This is frustrating because had I been shown my accurate balance the previous evening, I would have simply transferred some money from one of my other accounts to cover the deficit as I had the funds available elsewhere. If Chase treats these online transactions as if they occurred immediately, even if they show as pending for a day or more, then they need to show the charge immediately so that I can manage the funds in my account. It is absolutely unreasonable that they would show me a positive balance in my account at the last point that I have an opportunity to correct the deficit, then assess me with an overdraft fee when they're the ones who told me I was in the black. If Chase treats these online transactions as if they occurred immediately, even if they show as pending for a day or more, then they need to show the charge immediately so that I can manage the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 
SUNTRUST BANK # XXXX 
These account are fraudulent and not mine

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 2018-10-05
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX I got into a car accident and insurance company gave me a check because my car was a total loss. In XX/XX/XXXX I try to get a new car and Santander consumer inc told me I have {$3500.00} left on my account due to a extended warranty which I never signed for.so I called auto source warranty to cancel the warranty that Santander said I had and auto source sent me a mail on XX/XX/XXXX saying that the vin number I provided was mine but how ever related to a different vehicle and different customer name and that they have no contract number with my name and they told Santander but, Santander refused to take it off my credit or even tried to dispute it.Ever since then I have not been driving for 3 years and I want to get a new car and I spend almost XXXX a week on XXXX because every dealership I goto and try to get a loan they deny me or tell me to put a large amount down all because Santander put it as a charge off on my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-01-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home has been in foreclosure since XX/XX/XXXX. I prevailed in the initial foreclosure case but after several years the XXXX  XXXX XXXX XXXX XXXX foreclosed again and the sale date occurred on XX/XX/XXXX. I requested the Loan Servicer, Bay View Loan Servicing modify my mortgage to a monthly payment amount I could afford. 


I obtained an Attorney that specialized in Loss Mitigation and submitted all required documents and financials to my Attorney but during the loss mitigation review process the sale date occurred. The sale date should not have occurred while we were in midstream of Loss Mitigation. My Attorney maintains there is a recent regulation prohibiting a foreclosure sale while Loss Mitigation is in progress. My Attorney filed a Motion to Vacate the foreclosure sale ; however, the Circuit Judge denied our objection to the sale. 

My wife and XXXX year old son live in our home and our home is a place of business for both my wife and I as we are a XXXX XXXX. Foreclosure of our home will be devastating to our lives and our XXXX XXXX and ongoing renovation projects. 

Please help me work out a solution with the Loan Servicer, Bayview and the XXXX XXXX XXXX XXXX XXXX. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this company is attempting to collect money from me and reporting a debit I don't own to my credit report resulting in financial hardship due to negative credit impact.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : TransUnion : XXXX XX/XX/20 XXXX : XX/XX/20

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: 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:
I am requesting with this written complaint that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : XXXX XXXX XXXX   XXXX Comments states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. XXXX XXXX XXXX  XXXX Comments states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. XXXX   XXXX XXXX  XXXX This account shows three 120 day late 's consecutively from XXXX. You can not have the number of day late 's the same more then one month in a row. This is non-factual reporting Please remove this account. XXXX XXXX This account should not be reporting a status date after the final paid date. This is non-factual reporting Please remove this account. XXXX XXXX XXXX XXXX No contract with this company. XXXX XXXX XXXX No contract with this company. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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:
Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on XXXX # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on Experian XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus. 

Please Delete ASAP.

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 2018-06-26
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In light of my previous complaint XXXX where I disputed the XXXX account associated with XXXX XXXX accounts XXXX _ please know XXXX XXXX is ALSO pursuing XXXX. 
The response to the above referenced complaint, was the collection account from XXXX   was removed. Please also know, the XXXX XXXX NEVER responded to my CFPS complaint nor my request for documentation to support the balance of {$460.00} THAT WAS PAID! This account was removed from collections from my credit Report and I have heard NOTHING sense. Then I get a call from Mitchell D Blum & Associates Law Office, It was not until 5 min into the call, they admit they are a COLLECTION Agency! Please see the attached letter I received this is a COLLECTION company presenting themselves as a LAW FIRM which is a clear violation of FDCPA! In addition to this, there practices are XXXX! The XXXXXXXX XXXX sold a debt that was RESLOVED and now I am being harassed by some fake law firm! This must stop! Someone needs to do something with these abusive companies! 

This account was resolved within my last disputes of the vitality of this debt, and this needs to be honored by this makeshift lawfirm! It is a violation of FCRA to reinsert a deleted / previously disputed account!!! Therefore, I demand this company cease the negative reporting of this invalid debt! 
m,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: OH
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:
There have been no investigation procedures that have been made after the last 5 months that I have been making a request to review the referenced files on the attachment. Incorrect payment status, account history, and opening dates. This is a violation of federal law. Investigations weren't completed as described by law 15 USC 1681e.

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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There is XXXX account on my XXXX  XXXX being XXXX XXXX which is only on XXXX  and I never opened an account with this company. The XXXX  XXXX is XXXX which is only on Transunion and I never opening an account with this company.

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