BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not 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 2021-08-21
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of XXXX, XXXX and {$830.00} from XXXX XXXXI have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXXI have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I 've never received any correspondence and any debt validation notice from MIRAMED REVENUE GROUP. I called the number listed on the credit report. Only to be given incorrect information. I request for debt validation as well as proof of date of service for so call medical bills this bill is for. The rep. " XXXX '' informed me that MIRAMED does not have nor provide this information for date of service etc. I inquired how can you bill me if you are not providing me with all the details etc. She informed this is their collection policy etc. I told her to have MIRAMED send me a debt validation letter along with the detail for the date of service they are now attempting to collect for etc. 
She said they will not be able to provide that information that I would need to call my insurance company. Why would I need to call another entity when MIRAMED REVENUE GROUP is the one stating I owe the bill not my insurance company. 
Please have this company stop their bad debt practice. I want this information removed from all credit files XXXX XXXX and XXXX FROM UNDER MY NAME ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Home was placed under contract and closing date set for XX/XX/17. Attorney 's office started contacting Bayview on XX/XX/17 to request payoff statement. Multiple requests were made by both attorney 's office and mortgage holder via fax and phone for payoff statement. One payoff was sent but it was dated in XX/XX/XXXX, so it was unusable. As of XX/XX/17 payoff has still not been received, closing is on hold indefinitely and two families lives are on hold, all due to Bayview 's unwillingness and inability to provide a simple document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
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:
On XX/XX/XXXX I contacted XXXX, XXXX, and Experian about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from XXXX and Experian. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!

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 2021-08-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This complaint is a follow up to 2 previous complaints ( XXXX and XXXX ). 
Ive done my best to try to resolve my issue with American Express Serve. My last effort was to speak to law enforcement about how to solve this kind of crime. I am asking the investigators from American Express Serve to go back to the 2 XXXX restaurants to get video of the 2 days the money was taken from my account. I would like for them to try to identify the person or persons who used my card number to take money from my account. I didnt give anyone permission to use my card, nor did I give anyone my pin. The card has always been in my possession.Law enforcement also described a device called a skimmer that thieves use to copy card information and PIN numbers.They also showed me a camera that can be attached to an ATM to steal information from cards. I would like American Express to take into consideration that any of these devices could have been used to get my information.So far, American Express has not really given me reason to not return my money. They just say that based on their investigation, the transactions in question were authorized. I say how did they investigate, and what did they find out? Please tell me how you determined the transactions were authorized! I dont have any further documentation to submit. Ive submitted all dates and amounts of the funds that were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: CT
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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 2021-08-21
Company: ALLY FINANCIAL INC.
State: WA
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:
On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and XXXX has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the XXXX XXXX  of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties.

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).

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 2018-06-06
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 status incorrect

Complaint:
In reviewing my monthly credit report, I note an amount of {$95.00} shown as seriously delinquent and reported to both the credit reporting bureaus and referred for collection by XXXX to XXXX XXXX a debt collection company. This has resulted in a significant negative impact on my credit score.

I have two legitimate accounts with XXXX. The first is for my principal residence which shows that the account is fully current with the next payment due on XX/XX/XXXX. That account is on auto pay with my credit card. 
I have a second account for my weekend residence which is paid for by the XXXX XXXX through a Master Contract between XXXX XXXX XXXX and XXXX XXXX and XXXX. That is included in my monthly maintenance which is also current and has a credit balance. 
The account which has been reported as delinquent and referred to collection is NOT properly my account and I do not owe any amount on that account. The error is entirely with XXXX for creating an account in my name which is NOT authorized. 
I contacted XXXX to resolve the situation. However, the XXXX Representative required an account number to proceed with assisting me. I do NOT HAVE an account number. I do not have any bill or other indicia of an account or balance due. I am unable to provide an account number for a phantom and non-existent account that I did not create, incur or authorize. 
Accordingly, I have no alternative to resolve this matter except by filing a complaint under the FCRA and FDCPA. 
I am filing this complaint against both XXXX XXXX for fraudulently attempting to collect a debt not due and XXXX for providing false credit information and referring a non-existent debt for collection. 
Both entities have created significant harm to my credit status. 
I require immediate correction of the matter with appropriate notification to all Credit Reporting Bureaus that the statement of delinquency is totally erroneous and due to an error by XXXX. In the event that I am unable to resolve this matter through the CFPB complaint process I will proceed with further remedial action against both entities for damages as provided under both the FCRA and FDCPA.

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 2021-08-21
Company: Early Warning Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
I had a XXXX bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified XXXX and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( EARLY WARNING SYSTEMS IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted EWS and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on EWS was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. EWS does not want to remove the false info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I XXXX XXXX, a consumer, made a consumer credit transaction with XXXX XXXX on XX/XX/2021 in good faith. After obtaining my vehicle registration I noticed a error on my title ( XXXX XXXX XXXX ). Santander Consumer USA is labeled a lien holder on my title but i have no account or loan with this corporation. I contacted Santander Consumer USA about this error and they confirmed my title is in their possession. After noticing the title was in the system, I informed Santander Consumer USA that an error was made and asked them if the corporation name could be removed from my title and if they could contact Pennsylvania Department Of Transportation and electronically remove this lien. A supervisor of the corporation informed me that it is no known fact of why the error occurred but Santander Consumer USA are not able to release my title and remove their name as a lien holder. I also contacted the Pennsylvania Department Of Transportation about this matter and they gave me supporting documents verifying Santander Consumer USA as the lien holder on my vehicle. This matter is now considered fraud and Santander Consumer USA was notified that an error was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Synovus Bank
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I tried closing my credit card account XX/XX/XXXX. The company was to return my prepaid deposit. Still have not received and the company is no longer taking calls due to COVID-19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
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:
Experian continues to violate FCRA laws. 

I have requested multiple times to provide proof of two accounts in question ; XXXX and XXXX XXXX, and Experian only replies that these creditors confirmed the accounts. 

They never provide any proof, and continue to report negative information on my report without any proof. The creditors never provide proof either. Experian, XXXX and XXXX XXXX are all violating the FCRA. 

Unverifiable information must be removed or corrected, usually within 30 days. FCRA 623 ( b ) ( 1 ).

These companies also violate 15 U.S. Code 1681s2.

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 2021-02-12
Company: CCS Financial Services, Inc.
State: PA
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:
It was reported on XX/XX/2021 for XXXX that I don't owe .And it has brought my credit score with all three credit reporting agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Had a government direct deposit of $ 7,000+ from unemployment ( XXXX, XXXX  ) after I was allowed to make a couple ATM withdraws, I went to bed an the next day my account locked an I have not been able to access any of my funds, I've been provided with no type of documentation of what is going on. Now 2 days later after waiting their 24-48 hr account under review policy they've now decided to permanently close my account with no explanation as to what is going to happen to my $ 6,600+ balance in my account. This should have never happened in the first place cause I know for a fact all the info is correct an for crying out loud the direct deposit, only direct deposits I've ever gotten, was/is issued by the government!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The citizens account listed on my credit profile is a violation of my consumers rights. The account has conflicting date of last activity and date of last payment. This account is false and inaccurate. Please remove immediately. I have provided supporting documenting showing the inaccuracies of this account. Please remove immediately! I AM NOT A CREDIT REPAIR 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 non-monetary relief
Consumer complaint received 2021-05-09
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified through " XXXX '' that I had collections for a total balance of {$3800.00} that was assigned on XX/XX/2021. The company that is sending for collections is the phone company " XXXX ''. They have three different collection agencies trying to collect money from me. 
XXXX has " XXXX '' trying to collect, XXXX has " Source Recvb  '' trying to collect and, XXXX  has " Source Receivables Mng '' trying to collect. 

I have never had any accounts with XXXX in my entire life. I have had to resolve this similar issue earlier this year with a different collection. I hope to resolve this like last time. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation