BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
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:
i just found out that there are accounts with XXXX XXXX  and XXXX XXXX  XXXX  that do not belong to me. i have filed a ftc report to support my claim. i have never authorized these companies to run my credit or give me any loans. these loans are due to fraud. please see attached supporting documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: 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:
I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 11 XXXX   XXXX 12 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In Mid-XX/XX/2019, I received a letter from Transworld system Inc, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that Transworld was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through XXXX XXXX was going to be terminated or how XXXX XXXX was going to be notified of this settlement result. 
When I called Transworld Systems Inc for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through Transworld Systems Inc, and no one else. When I called XXXX XXXX, they insisted I needed to pay XXXX XXXX. 
I called both XXXX XXXX and Transworld Systems Inc multiple times, and verified that that all of my private loan that was being serviced through XXXX XXXX wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both XXXX XXXX and Transworld Systems Inc are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXXXXXX XXXX XXXX without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for Transworld Systems after multiple transfer of calls. Neither XXXX XXXX nor Transworld Systems is willing to look into my situation. Both XXXX XXXX and Transworld Systems are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. 
I have since learned that neither XXXX XXXX nor Transworld Systems Inc has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. 
XXXX XXXX XXXX XXXX seems to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I ask CFPB to look into this matter for me. Thank you so much! 
- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, AFNI, XXXX XXXX, XXXX XXXX   ... 4 different company request demand same payment on account not mines VIOLATES '' FCBA AND FDCPA '' ... REMOVE, CLOSE AND DELETE FRAUD ACCOUNT FROM FILE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: National Credit Systems,Inc.
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 was staying at XXXX XXXX XXXX I had paid off everything the apartment was clean and left with no garbage or no damage. I spoke to XXXX asking her proof of damage that was claim that was left in the apartment she said she do not keep these information the collection company has it when I spoke to someone about this they sent me a bunch of paper with picture how can admit to anything when there is no substantial proof I even offer to pay the last month rent to settle they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was admitted to the Emergency Room at XXXX XXXX in Ohio while on XXXX XXXX orders. This was ordered by my XXXX. My human resource XXXX submitted the documentation to bill XXXX. The hospital said that they XXXX has denied claim. XXXX says it was never billed. I have hounded by collection agents, had my credit score negatively impacted, and ca n't get a higher security clearance which prevents me from getting a better job. I have spent literally dozens of hours on the phone and email over the past 20 months and emailed my congressman. All to no avail. I have all the documentation to support my claims. 

Collections have been placed though XXXX XXXX XXXX XXXX, law offices of XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
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: Information belongs to someone else

Complaint:
student loan with fed loan reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on

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 2022-08-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/XXXX, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX CO XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX AU XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home loan in XXXX. We did a no escrow loan and paid our insurance and taxes in full when due. In XX/XX/XXXX we paid our flood insurance in full in the amount of {$700.00}. In XX/XX/XXXX our insurance company received a check from the mortgage company for the flood insurance. Since the policy was paid in full a refund check was sent to the mortgage company which they never cashed. They notified us in XX/XX/XXXX that they were putting escrow on the account for the flood insurance and that our payment would increase in XX/XX/XXXX. We notified they and they acknowledged that this was a non escrow loan and that the escrow amount would be removed. In XX/XX/XXXX I received my XXXX statement with the escrow amount on it and the payment increased. We had our insurance company issue another refund check which was sent to them on XX/XX/XXXX. On XX/XX/XXXX they returned the check. I had another check sent on XX/XX/XXXX. The company is refusing the refund to force escrow on a no escrow loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX   Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 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 2020-05-07
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:
I tried to refinance my car today XX/XX/2020 and I was not eligible to do so because when they checked my credit report there were several accounts in negative standing. I was not aware of any of these accounts because none of them belong to me ; I didn't open any of these accounts and I did not allow anyone to open these accounts in my name using my personal information. I have o idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report with the information I currently have. I did not gain anything from these accounts such as money, goods, services or any other type of benefit and I never made any payments towards these accounts. I do not have any type of contract or agreement with any of these companies and I never gave them permission to access my credit information. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: HCFS Healthcare Financial Services of TeamHealth
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:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency : XXXX XXXX XXXX Credit Reporting Agency : XXXX Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with XXXX. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called XXXX, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed 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 2018-02-01
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was notified by a collection agency, XXXX XXXX, XXXX, in writing, that I owe XXXX to XXXX XXXX XXXX due to them closing my account. Once I received the notification in the mail on XX/XX/XXXX, I called to make arrangements to pay the debt. I spoke with XXXX XXXX and there was an agreement regarding a settlement amount of {$580.00}. There were 3 payments made and posted to my account in the amount of {$190.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX advising the debt had been resolved for less than the full balance. On XX/XX/XXXX I received an email advising I stilled owed XXXX XXXX XXXX another {$240.00} from another collection agency, The CBE Group. The next day, I wrote to The CBE Group and disputed the validity of the debt. I also called The CBE Group on XX/XX/XXXX and spoke to XXXX and informed him I did not owe the debt any longer because it was settled with XXXX XXXX on XX/XX/XXXX. XXXX began to read the mini - miranda to me on a settled account which violated debt collection practices. After he read the mini - miranda, I requested to speak to a supervisor. I then spoke to XXXX and explained the debt was settled. She again read the mini - miranda and stated XXXX XXXX XXXX still shows the debt is still owed and I will need to contact XXXX XXXX because it was there responsibility to inform XXXX XXXX XXXX of the settlement. I then called XXXX XXXX on the same day and spoke to XXXX who stated the account was reported to XXXX XXXX XXXX as settled and she will be sending the report to XXXX XXXX XXXX again about the status of the account. On XX/XX/XXXX and XX/XX/XXXX I received letters in the mail from The CBE Group again stating I still owe! I am so frustrated with this process. I did my part by making my payments on time to settle the debt and I am still being harassed by XXXX XXXX XXXX and The CBE Group to pay the remaining balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$18000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}

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 explanation
Consumer complaint received 2018-09-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
With the recent issues of my checking account with Chase, with my funds not be accessible because the account being deposit only for several days. I was unable to pay several bills because of this. I am looking not only for the funds that I've lost due to being stolen from me via my online checking account. I'm also looking for Chase to repay me for late fees that have accrued due to my account being inaccessible which totals {$25.00} for my XXXX XXXX credit card and {$27.00} for my XXXX XXXX Credit Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is the second time XXXX XXXX through a secondary ( Second Round Sub LLC assignee of XXXX XXXX  - address Second Round Sub LLC Assignee of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) has taken us to court for a judgement on a debt originating from XXXX XXXX owned by XXXX XXXX, They will not be able to enforce any judgement, my income is from VA XXXX, and is my only income. Which comes from protected federal VA benefits : protected from garnishment to pay a debt owed to a private person or company. The have been aware of this for quite some time, yet they sold this debt to Second Round Sub LLC originating in Texas, with office in XXXX Ga. They received an unenforceable judgement, determined by the Courts in XXXX county -XXXX  XXXX -Ga. 
Please contact XXXX XXXX  ( secondary round sub llc ) second Round and advise them this is fiduciary harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 the company wrote that the debt would be settled in full if we paid {$11000.00} by XX/XX/2019. They received the funds on XX/XX/2019. On XX/XX/2019 the wrote acknowledging the payment and demanding the original balance. The settlement offer clearly states hat the {$11000.00} would clear the debt and that we would be receiving a letter to that effect. I have called them twice and been told that the letter had been mailed. They are obviously lying. 

The company Id : Stoneleigh Recovery Associates XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: ENCORE CAPITAL GROUP 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:
XX/XX/2019 I contacted XXXX XXXX bank to locate the owner of my debt. XXXX XXXX sent me a letter ( attached ) with the name and address of the Creditor. It was Midland Credit Management , Inc XXXX XXXX XXXX XXXX XXXX CA, XXXX ( XXXX ) XXXX. XX/XX/2019 at XXXX PM EST, I contacted the creditor at the above telephone number. I spoke with an operator named XXXX.I told XXXX that XXXX XXXX had stated that they owned my debt and I was calling to settle it. I stated that I was not willing to make any payments over the phone, however I will make a payment at a company website. After he verified my contact information, he stated that the company did not offer online payments. So I asked him to send me an invoice and I will return the bill with a check or money order for the full amount. He told me that they will not send anything without a payment agreement delivered over the phone.I asked for a manager. An XXXX XXXX stated that they would not send anything to me unless I make a payment agreement over the phone. I stated that I dont make any business transactions over the phone. I asked him if he was refusing to accept payment from me and he stated that they will not send me a bill or written explanation of the debt without a payment agreement delivered verbally over the phone.They are preventing me from settling this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$18000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}

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 explanation