BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: Mnet Financial Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This time I spoke with XXXX XXXX on XXXX/XXXX/2017. The last conversation was with a representative in XXXX. XXXX XXXX refused to provide last name or any contact information. He said he was the only XXXX XXXX at the call center and there was only one call center.
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I received a letter in response to a dispute that merely had the amount I supposedly owe and verbaige that simply stated it was validated. I do not recall this debt. I reached out to both the original creditor and insurance company MNET referred me to and neither have any information regarding me or this account.
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MNET stated they validated the debt by confirming it with the original creditor and that they do not have proof just the original creditor saying it was mine. It is not.
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I requested proof in the dispute request. Proof they own or were assigned the account. Proof of the amount and supporting documentation not just their say so.
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I never received any written or verbal correspondence outside of a recent letter saying this is yours and you owe {$860.00}.
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They kept telling me today the limitation of 30 days is up and they do n't have to provide proof. What 30 days. I noticed this in XXXX on my credit report and disputed right away.
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The FDCPA ( Fair Debt Collection Practice Act ) If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report.
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The FCBA ( Fair Credit Billing Act ) also states that they can not validate a debt with a credit bureau until they provide me with validation. They have validated and I have no validation. They validated with XXXX not with me.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance {$290.00}

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 2021-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have a couple of accounts on my report that do not belong to me they are identity theft related and I have already sent letters to them and my police report and they still have not fixed the issue. One issue is a chase account on XXXX XXXX XXXX ( XXXX ) C/O ( {$61000.00} ) XX/XX/XXXX XXXX  and the other is a XXXX on Equifax XXXX XXXX ( XXXX ) C/O ( {$14000.00} ) XX/XX/XXXX XXXX. 
I also have multiple inquiries on my XXXX and XXXX report that they have not removed even after sending a letter along with my police report. XXXX inq 's XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Experian Information Solutions 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:
Un reporting school loans and loans n names and home addresses that do n't belong to me that 's showing up on my credit report that i did that do myself or approve of being done. I believe someone else is using my name and social security number misspelling my name and birthdate at different states and addresses and has been using it to get all lunes of loans and other this in my name. I believe they been doing it for years and im just now noticing all the different loans and debit that has been done on my credit reports.

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 2017-07-07
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:
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.

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 2017-09-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian Credit Reporting Agency continues to report that I have 2 late payments on my credit report. All of my open and closed accounts on my credit report do Not have any late payments. In addition, I 've applied for recent credit thru XXXX XXXX XXXX thru XXXX, and one of the reasons I 'm denied is I " pay few accounts currently as agreed ". Again, every account on my credit report is up to date. Experian is reporting fraudulent information to possible creditors. XXXX is doing the same thing. I 'm being denied credit due to paying few accounts currently as agreed is what XXXX sends to my 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: Carter-Young, Inc.
State: GA
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 don't owe anything to CARTER-YOUNG with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary corrections or just remove the account automatically. 

CARTER-YOUNG XXXX XXXX Creditor : DXXXX XXXX XXXX XXXX  ) XXXX Balance : {$92.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CCS Financial Services, Inc.
State: GA
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 don't owe anything to CREDIT COLL with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary corrections or just remove the account automatically. 

CREDIT COLL ( Original Creditor : XXXX ) XXXX Balance : {$60.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: AmeriFirst Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have repeatedly asked Amerifirst Mortgage to refinance our loan.

I've gotten many excuses. 
How can we get help for a lower monthly payment? 
I've been working on this since XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed 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 2019-08-05
Company: VW Credit
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX of 2016. Upon receiving the car I continuously had mechanical problems. The car was continuously in the shop with the problem persisting. I missed time from work because I was unable to drive the car due to the mechanical issues. I then moved to Ga and continued to bring the car to the shop. I contacted VW customer relations and was working with a manager I told them constantly I no longer wanted the car because it was inconvenient for me I preferred another car or my funds back. I contacted a lemon law lawyer who begin working on my case. During the time he was working on my case I turned the car in not knowing that it would cause him to stop working on my case. The car was sold and I was never notified about the car being sold I dont know where or for how much. I would like this off my credit due to the fact that the car was in fact a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An unauthorized transaction was made with my card at a XXXX website. I did not use any of the services at XXXX and XXXX refuse to give me my refund or credit back. XXXX and American Express company said that the XXXX website has a no refund policy. Therefore the case is closed. And no refund was credited back to my credit card. This is fraudulent activity to be able take customers money without them using XXXX services is bad practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account has been sold to a third party collector : THE BUREAUS ( Original Creditor : 01 COMENITY CAPITAL BANK ) You are in violation of the FDCPA. This account is being disputed. It shows marked as 'consumer disputes ', yet you still report it to my credit report. 

Collection efforts by your company should cease including reporting this account to my credit report. I will now work with The Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
They ca n't prove I ever took out XXXX student loans in XX/XX/XXXX to XX/XX/XXXX and refuse to provide original copies ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: EQUIFAX, 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:
This Is A Fraudulent Account ... That Was Once Removed & Was Placed Back Onto My Credit Report For Some Reason ... if you check with the CRA 's It's Documented Me Calling In As I Realized It, Did The Freezing Of My Reports The Works ... 

Some Accounts was open in my name at another address on XX/XX/19 It went delinquent & was charged off for the amount of $ XXXX Tanking my Score During My First Home Buying Process XXXX XXXX XXXX Is The Data Furnisher Who Placed This Back On My Reports With The Help Of All 3 Credit Reporting Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Kimball, Tirey & St. John LLP
State: IL
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:
I am a victim of identity theft This collection agency is not only reporting fraudulent account but also aware that this account is fraudulent, I sent in my police report and my FTC affidavit that is notarized. they keep verifying this fraudulent account and are not responding to my dispute. I have never had any goods or sevices with Kimball Tire aSt John or XXXX XXXX yet they knowingly and willingly reporting this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
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:
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.

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 2017-09-02
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I do not owe any debt, and the collection company does not allege that I owe a debt. This debt collection company contacted me looking for someone else, and in doing so, disclosed that the other person owes a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Paypal Holdings, Inc
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We have been contacted by PayPal 's collection department twice. We do not and have NEVER had an account with PayPal. I ignored the phone calls until today in which I contacted them by phone and made it clear that we DO NOT AND NEVER HAVE HAD AN ACCOUNT WITH PAYPAL AND THEY ARE NOT TO CONTACT US AGAIN! I then pulled up their website online and filed a written complaint in which I stated that in XX/XX/2009, they charged my Visa card over {$6000.00} for the purchase of gold bullion. This was the beginning of years to date of extensive ID theft and fraud that initiated our personal and financial information sold all over the world. We did file a police report with our local fraud department and was assigned a detective. PayPal refused to reimburse me. They insisted that one of their reps had spoken to me directly to approve this transaction. After a lengthy investigation that ended up with the case being forwarded to the FBI, they did reimburse me and were told never to contact us again pending criminal fraud charges as my husband is a XXXX veteran. I made all of the above very clear in my written complaint on the PayPal website and once again made it very clear that we do not and never have had an account with PayPal and NEVER WILL! I warned them not to contact us again or I would file a civil suit against them. They are wholly responsible for the devastation of our lives and I will hold them liable if they attempt to contact us again with what is CLEARLY IDENTITY THEFT AGAIN!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
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: Information belongs to someone else

Complaint:
fcra violation inquires from XXXX XXXX is not mine please remove it showing late on mortgage was never late correct that showing utilization 100 on wireless bill that effects my score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, XXXX we made a request for a corrective mortgage discharge or an assignment to clear title to a property. Numerous phone calls, emails have been made to follow-up and a title clearing document is still not recorded. We are told " it is in process '' with no further explanation.

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 2022-03-03
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX  is listing my account status for my XXXX XXXX account incorrectly across all three bureaus. They are listing my account as an installment loan to Equifax as 120 days late and listing my account to XXXX as " PAST DUE LATE 90 DAYS ''. They need to correct this and list my account type as REVOLVING not a installment loan. They need to update my payment status to PAID AND CURRENT. They are still reporting incorrect information! This account was paid and closed in XX/XX/2019 and all 3 bureaus need to be notified right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry 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 2017-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. XXXX  and Equifax both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised XXXX and Equifax that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to XXXX and Equifax without the consent of the court.In return, this is inaccurate information and the process thereof.

Company response to consumer: Closed with explanation