BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: North Shore Agency, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an old subscription to XXXX XXXX for years. Since I didn ' received all the issues, when I received a mail in XX/XX/XXXX asking for renew ( always by Credit Card ) I didn't do it. 
Today, dated XXXX XXXX XXXX I received a menacing letter from a collecting Agency : North Shore Agency, asking for " my debt '' with the magazine ( that indeed I didn't receive never after the last  subscription ) and " offering a 'friendly ' renew of the subscription ''. I'm responding the follow to : XXXX XXXX -- -- -- -- -- -- XXXX -- -- -- -- -- -- Dear Sirs, I just received your letter enclosed. I regret to state the follow : - I never ask for a credit nor renew from XXXX  since the last and only mail received from XXXX, that I copy below, dated XX/XX/XXXX. 
- I didnt renew nor ask sents, then I dont owe nothing. Previous years was paid by CCard. 
- Unfortunately, I didnt receive at least half of the isues of my previous subscription, since many, many years. This conduct to dont renew it. I dont know if it was due to XXXX fails, or my courier fails, but they say that they didnt received the issues in XXXX. I live in XXXX and my address in XXXX is a forwarding courier. 
- Of course, I didny received ANY of the supposed previous letters from XXXX  that you mention. Only ONE was the OFFER ( rejected ) of XX/XX/XXXX. 
I say the late as feedback only. The main point is -as I said- I didnt renew any subscription, and the proof is that I always charge it to a C.Card, and it was not charged, because I DIDNT renew it. Stop. I dont know what point could be no clear. 
I dont know what kind of scam is this, but -by the way- Im copying to XXXX  and doing a claim in the FTC ( thriugh https : //complaint.consumerfinance.govXXXX ) If you or XXXX  did a mistake, please be so kind to correct. 
Thanks, and best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX   XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
While my Transunion membership was active, their records show that my FICO score was over 800. Their records show that my score was XXXX on XX/XX/2019. My membership became inactive about a week ago and I have not been able to contact them because my password mysteriously doesn't work. Today, my financial institution that reports FICO scores from Transunion reports my FICO score to be XXXX. There has been no activity on any of my accounts for more than a month and my score on the other three reporting services remains higher than 800.  I believe the sudden, capricious reduction in my FICO score by Transunion is a punitive act solely based upon my discontinued membership and not for any legitimate negative account information that I am responsible for. This situation is made worse by their system locking out my computer generated user and password information. I believe that I have a tangible legal property interest in the correct and accurate reporting of my FICO score. This malfeasance by Transunion is a blatant misuse of power by an agency that can not be held accountable for their malicious acts.

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 2018-04-17
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am resubmitting the complaint on my wifes behalf since Medical Data Systems continues to make false statement in the response to CFPB. When I contacted MDS on XX/XX/XXXX to obtain the information I need as per my previous complaint, I was told by a supervisor ( XXXX ) that I need to contact Insurance ( XXXX  ) and ask them to send written notification to MDS that they will waive the submission requirements and process the claim. Only then as per XXXX MDS will provide the information and/or will submit the claim for processing. Which indicates that MDS has all the information and willfully is not providing the information. This is obvious tactic by MDS to ensure the claim is not processed. I conferenced XXXX ( XXXX ) with MDS ( XXXX ) 2 weeks ago and XXXX has confirmed that I had insurance during the date ( XX/XX/XXXX - XX/XX/XXXX ) and they are willing to process the claim provided they get all the information. MDS has recorded conversation with XXXX. 
I mentioned this to XXXX, but she was not willing to provide the information I need unless she gets written notification from XXXX as noted above. MDS should review the recording I request CFPB to interject and advise MDS to remove derogatory remark from My wifes credit report and provide all required information immediately

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 2021-01-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have escrow with Lakeview Loan Servicing , LLC, sub. via XXXX, that was supposed to pay my XX/XX/XXXX taxes on time. XXXX XXXX I received a statement from county tax collector XXXX XXXX that it was not paid, and would be delinquent XX/XX/XXXX. I had to call XXXX 4 times, and email on XX/XX/XXXX, XXXX, XX/XX/XXXX and today, XX/XX/XXXX. After what seemed like a babysitting process, we finally got confirmation that our county taxes were paid late XXXX XX/XX/XXXX XXXX which will affect my tax return for XXXX. I was assured during my conversation on the phone XXXX XXXX that all taxes would be taken care of. Now today XX/XX/XXXX, I receive another notice that my city tax was not taken care of. Yet again, I am having to call and find out what is the cause of this negligence and delinquency. When I finally get someone on the phone, I am put on hold for 40 minutes, then transferred to someone else who doesn't even know what is going on, refuses to let me speak to someone higher, refuses to let me speak to the tax department of the loan company, and does nothing to resolve this issue, and proceeds to tell me my " taxes won't be paid today. '' Today is Friday - postal services are open ... and therefore this can be taken care of TODAY, as it is already past the original due date XX/XX/XXXX. The unprofessionalism, lack of urgency, care, and rudeness from this company is absolutely INSANE. This negligence needs to be looked into - it's amazing that specially during a time of COVID this type of negligence is happening. I am fully prepared to file all complaints possible and get attorneys involved if this continues.

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 2022-02-28
Company: Experian Information Solutions Inc.
State: IL
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 non-monetary relief
Consumer complaint received 2019-02-26
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Navient has a history of misapplying payments on my student loans. As they've admitted in the past, there were delinquent marks on my credit ( and co-signer ' credit ) for years that they refused to fix, in addition to late fees. I filed a previous complaint against the company, Navient. Navient admitted to issues with the payment processing on their end and stated payments were set up incorrectly. I previously spoke with their office of the consumer advocate ( associate XXXX XXXX XXXX about a year ago with respect to this issue. 

Since then, I've had to renew my payment plan. I recently received correspondence that my account is being reported over 40 days past due with late fees/credit reporting again. I contacted Navient, and they stated that the payments are again being applied incorrectly on their end. The recorded calls with the company will demonstrate all of this. 

It's clear at this point that Navient has engaged in negligence, bad debt practices, breach of contact, infliction of emotional distress, and the like. They are unable to competently set up a payment plan and apply payments in correctly, which has resulted in continued harassment for myself and by co-signers. I've attached proof of this non-compliance to this case in addition to a recent past due letter that I've received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-02-26
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all XXXX credit bureaus show a 3 year history of late mortgage payments of XXXX, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all XXXX bureaus without the issue being resolved.

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 2020-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am unable to initiate an online dispute or view my dispute results. There is a message that says we are experiencing technical difficulties. 

This happened before and was due to the file size of my credit report mainly due to the number of experian and experian credit match soft inquiries which are generated from the credit monitoring service.

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 2019-10-24
Company: Prince Parker & Associates
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Second Request : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I filled a claim related to my lost luggage during travel in XX/XX/2017. The claim was filed with the XXXX a Chase claims provider. This insurance was provided on my Chase XXXX XXXX card that I had at the time. 

I filed the case for my lost phone, as it was stolen out of my check-in bag during travel.After sending them numerous calls and emails I haven't been able to get them to understand that it is practically impossible for me to report this loss to the airline immediately after I come out of plane. Also as this was international travel and the phone was in check-in luggage, I did not get the bag for around 1.5 hours after coming out of plane, and I did not open the bag until I reached home. 

My claims keeps on getting rejected on the basis that I did not inform the airline in time, whereas I have provided proofs to them with my flight tickets and also my communication with the airline. 

Claim number with eclaimsline : XXXX Last four digits of my credit card : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX XXXX XXXX XXXX , DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX(Original Creditor: ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
1. I had dispute/fraud claim on another Chase owned credit card. 
2. Chase had failed to resolve the issue. 
3. without any previous or apparent explanation, they closed the account on my XXXX card. 
4. I have been using this this card and was making payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened account with debit card XXXX and they closed account down as I tried to use account they made me pay XXXX for checks. They charged unneeded fees of about 200 for discriminatory reasons. They also made me pay unneeded fees in another account of 200 plus. They failed to give promotions of XXXX ; they failed to give keep the change promotions, they discriminated against me by closing my account down, they failed to take complaints about fraudulent charges to my credit card of about 8000 for insurance I did not want. They took ideas like Economic Simplicity indicator and photos on id 's to get access to funds if someone steals a wallet with no id 's available

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 2020-01-31
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Companies keep contacting me about hospital bills i never had.

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