BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: ID Analytics, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested a copy of my current free credit report from Sage Stream, LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX in a letter to them dated and mailed on XX/XX/2019. No response to my request as of today, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Monterey Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no debt nor do I owe any Debt to Monterey Coll SVC and I have never done business with Monterey Coll SVC, I Have been harassed by Monterey Coll SVC For at least 4 years now. Monterey Coll SVC has committed many consumer violations against me, I have received calls at my place of employment in the past continually Which is a Violation Of 15 U.S. Code 1692c. ( a ) ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. They also have ruined my reputation and have disabled me from being able to achieve financial stability with their negative reporting, I have been unable to secure a home lease for me and my family which is a violation of The FDCPA 15 U.S. Code 1692d. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I was also threatened by an employee that used abusive language which Is also a violation of the FDCPA 15 U.S. Code 1692d. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. These are all violations. 


XXXX at ( Ext XXXX ) Is the Employee who used abusive language. 

Monterey Coll SVC States That I owe {$1100.00} In which I Do not. 

I Sent out correspondence in which I uploaded those correspondence that I sent here In the file. 

I asked that they provide - Validation of the Debt That is, the actual accounting. 
- A copy of the Contract binding both parties ( me and them ), In a letter by " certified mail '' So that their is an independent " Witness to it having been delivered. '' I have Given Monterey Coll SVC 30 Days to respond to my Correspondence and they have indeed not responded to my request. 





Delivered Tracking # : XXXX Recipient Address : Monterey Coll SVC XXXX XXXX XXXX XXXX XXXX XXXX, CA CA XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. ORIGIN ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3.  PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 7. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 8. OUT FOR DELIVERY, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 9. DELIVERED LEFT WITH INDIVIDUAL, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX The Document was signed for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copied of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion has been giving me a hard time about removing hard inquiries that were fraudulent

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 2017-07-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX / XXXX /2016   XXXX   XXXX   XXXX    XXXX , VA   XXXX      XXXX   XXXX   XXXX   XXXX  . pulled my credit and I have never been there or gave them authority to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items.

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 2023-07-08
Company: Netspend Corporation
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted the bank on several occasions about a situation where someone was entering my account and stole {$1800.00} out of my account over a period starting with XXXX up until I regain access to my account. The bank keeps denying the fact that people stole my money even though I provided them with a police report and a bill stating that I didn't even have a phone at the time it is the online Establishment and I ask for proof on how they determined that it was a good transaction. I have several email from the establishment about the denial of my claim and if necessary I can provide this documentation. If you notice from the proof provided by the company there were only ip address applied to the time money was taken from my account. They claimed that the transaction were accurate because it came from a phone number associated with my account but as I explained I have to other lines and theses are the people that suspect of stealing the funds from 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 2023-07-08
Company: DOLLAR MUTUAL BANCORP
State: OH
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:
These inquiries on my report are unauthorized. In accordance with the fair credit Reporting Act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts.

For yet another time, my personal information was compromised and as a result, fraudulent charges and fraudulent accounts were included on my report ; without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX ACC # XXXX Status Updated XX/XX/XXXX fraudulent charges included on this account. 
XXXX ACC # XXXX Status Updated XX/XX/XXXX Fraudulent charges included on this account. 
XXXX XXXX XXXX ACC # XXXX Fraudulent account, please delete asap XXXX XXXX   ACC # XXXX Fraudulent account, please delete asap I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC 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 2023-06-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Nissan Motor Acceptance are reporting late payments that are false late payments. I have tired calling them and disputing the issue with no correction. This issue has cause me higher interest rates on my new automobile, which has cause hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$780.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$8.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am reaching out regarding misinformation i received from a chase bank telephone customer service representative that caused my account to go into a charge off status which essentially ruined my life due to the negative impact on my credit. I called telephone customer service on XX/XX/2016 because I was looking to pay off my credit card balance in full. The credit card statement had a balance of {$990.00} with a due date of XX/XX/2016. This balance included a Late Fee of {$39.00} and Interest Charge of {$12.00}. I requested for the fee and interest to be refunded. The representative agreed to do so as a one time courtesy adjustment since it was the first ever fees charged to my credit card. I told the representative that I would like to pay my card to a XXXX  balance and did not want to over pay and be left with a credit owed. I was instructed by the representative to minus the late fee and interest charge from the statement balance amount and pay that amount because after the fees are credited then the account would balance itself to a XXXX  balance. 

I paid the amount of {$940.00} on XX/XX/2016. I found out after some time that the fees refund adjustments were never credited. Which caused my account to have a balance left over of the late fee and interest charge that were not refunded as promised. And for multiple months late fees and interest fees were accumulating on my account by being charged fees and interest on top of fees and interest. Ultimately my account was charged off with a balance of {$200.00}. This charge off amount completely consists of bank fees. 

I am disputing this amount due to chase bank clerical error. I previously disputed this with the credit bureau but my dispute was denied. I am writing this so you can understand my situation in detail. I request that you properly investigate and correct this. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge the bureau to commence an investigation into these accounts that incorrectly report me as late, despite my never missing a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
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: Their investigation did not fix an error on your report

Complaint:
This complaint deals with Transunion not being truthful/being dishonest about the investigation results from a dispute which I submitted. I disputed the public record, and Transunion stated that it verified the public record with XXXX. I contacted XXXX and there are no public record on my XXXX consumer disclosure ( s ). On page 3 of the attachment from Transunion.comXXXX, it states that " if a bankruptcy appears in the public record section of your Transunion credit report, Transunion obtained information about your bankruptcy from our third-party vendor, XXXX. '' Well, I know that there are no bankruptcy records with XXXX, and also all of my XXXX disclosures have been suppressed, and I have a security freeze ( pages 6, 7, and 8 of the attachment confirms this information ). 
Because Transunion has been dishonest about there investigation results, I request Transunion delete the public record from my credit report immediately. 
As the attached documentation shows, XXXX has no record of a bankruptcy in my files, and also my XXXX reports have all been suppressed, and I have a security freeze. Transunion has stated that it uses the vendor XXXX to verify public records. I strenuously demand that Transunion delete the public record from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NO ACCOUNT OR WET INK ASSIGNED AGREEMENT TO ATTEMPT TO COLLECT ANY DEBT I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Lending Club Corp
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Bottom line, I am requesting your assistance ( 1 ) correcting this company 's current billing ; and ( 2 ) directing this company to make updates to my credit report as the information reported is inaccurate. 

Between XX/XX/2020 - XX/XX/2020, on a monthly amount of {$1000.00}, I owed this company {$8400.00} ( excluding any penalties from past due amounts/reversed payments ). 

During the period above, I paid the company {$9200.00}, which is approximately {$820.00} over what would ordinarily be due on a regular monthly cycle. Despite 17 payments over 8 months, the company has reported to the credit bureaus ( 1 ) that I have been at least 30 days late on my payment, and ( 2 ) created an image of a less than stellar payment history. I acknowledge on six instances, one or more payments were reversed ; however, 50 % of those reversals were borne from Lending Club not honoring my request to stop its ACH payments, in writing as required by its policy. This led my bank ( XXXX ) to place a block on any payments from this lender. The company has FAILED to compare the past eight months against a long and stellar payment history, which again, began after the company refused to follow its process and stopping any ACH payments. 

Additionally, I have also called the company 's attention to a plethora of erroneous notices that I have received, indicating that my monthly payment of more than {$3000.00} ( which is $ XXXX above my monthly amount ). I recently provided proof that its system was not processing payments online, although the 17 payments alone likely render any past due or payments owed, not required ; yet, the company continues its troubling practices. 

Finally, it is unclear to me, due to the litany of billing, processing, and payment errors ; this company has committed, how much I owe this company. Despite receiving thousands in payments this year, the balance appears to decrease, incidentally. Furthermore, the company 's slow processing/handling of non-Lending Club institutions ' payments is very disturbing. When processed via the company 's website, payments are processed within 48 hours ; however, when payments are processed via external institutions, payments have taken up to seven days, which exposes consumers to considerable and avoidable financial risks, particularly given this company 's billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NATIONAL RECOVERY AGENCY DEBT COLLECTION COMPANY IS REPORTING AS AN OPEN ACCOUNT DATE OF XX/XX/2022 WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THE MASTER BILL OF SALE. 

ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # 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 2017-07-17
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
My credit score dropped from  XXXX + to less than  XXXX . US Bank reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due. US Bank has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.

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 2017-12-19
Company: Cadence Bank
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father XXXX XXXX and the mortgage on our home is in his name. After his passing, I had some difficulties in maintaining the payments on a regular basis, but managed to get caught up. XXXX has repeatedly harassed me, although I asked them to cease and desist communications with me. I am currently only behind by one payment, yet they are threatening me with foreclosure and bombarding me with mail and phone calls. I have attached two letters received in the same day from them below on this page. I have received many more letters and numerous phone calls. If necessary, I can go back in my records and produce those as well. XXXX has caused me great XXXX XXXX  and made matters worse, as I am still dealing with the XXXX of my father.

Company response to consumer: Closed with explanation