BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
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:
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 accounts 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 XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXX Balance : {$28.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$33.00} ; XXXXXXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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 went to the XXXX store to inquire about getting a new iphone and new service. When they ran my credit, it showed I already had an account, which is not true. I've never had XXXX before. Not only was it showing an account in my name, but it's in collections. So I pulled my credit and there are several things on my report that are not mine. I reported this to the police and FTC also. Please remove these items as soon as possible. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( accnt # XXXX ), XXXX ( XXXX accnt # ). The last two accounts didn't even have a name on it just account numbers!

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 2023-09-28
Company: Spring Oaks Capital, LLC
State: FL
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:
Around XX/XX/2023, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Spring Oaks Capital. This address had previously been confirmed through prior correspondence with the company. According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent.

2. A breakdown explaining the calculation of the said amount. 
XXXX. Copies of any documents that demonstrate my agreement to pay the alleged amount.

4. Identification of the original creditor.

5. Confirmation that the account is still within the statute of limitations ( SOL ) period.

6. Proof of your status as a licensed debt collector.

7. Evidence of your license numbers and registered agent.

8. The original contract bearing a wet ink signature.

However, despite the aforementioned date, I have not received any communication from your agency or company. As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action.

I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I did not give permission, consent, authorization, to make a report nor did I benefit from the items listed on the report. On or about XX/XX/XXXX I called each agency, seeking to correct the report. I have sent in a complaint prior to instructing them on the items to remove ; Correcting the Name, address, phone number, occupation, open and closed accounts, inquiries. An adverse event happen, XXXX XXXX denied me my open-end account. I have instructed each agency, being subjects to the public the regulations state they must remove items from the report when they are being disputed, and they have not. that constitutes a form of identity theft. I have had a phone call confirmation stating that they did and they have not. Hindering delaying the pursuit of life liberty and happiness our monarch.

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 2023-09-28
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried on multiple occasions to contact XXXX XXXX XXXX due to an amount reporting on my credit report. The property was sold to another owner and I have not been able to get in contact with anyone to discuss this matter. I have contacted the collection agency XXXX XXXX, and the representatives are very rude, and are telling me I am responsible for the debt. I sent a debt validation on XXXX and have not recieved a response yet. Made numerous phone calls explaining to them this is effecting me tremendously, and the amount showing is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: OLIPHANT FINANCIAL, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX  I received a phone from a company by the name of Oliphant Financial , LLC. Oliphant claimed that I owed them {$13000.00}, that I XXXX XXXX XXXX took out a loan that was never paid .Unware of what Oliphant Financial , LLC was referring to, I requested for contract documentation to be sent .I also provided Oliphant Financial , LLC with my mailing address. I also informed this company that I have never done business with them, nor did I provide them with my personal information. I also informed this company that I am a victim of Identity theft. 

On XX/XX/, I received another phone call from this company requesting that I make payment. I informed them that I still have not received a bill nor contract documentation. on XX/XX/XXXX  I wrote a letter to Oliphant Financial requested for contract documentation. On XX/XX/, my request was met. I have attached contract. I never shared my personal information with this, nor did I take out a loan with this company. My name is XXXX XXXX XXXX. Not XXXX XXXX, I did not sign any contract with Oliphant Financial , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Upgrade, Inc.
State: NY
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:
Upgrade Inc violated my privacy rights by reporting my personal information and my private transactions and experiences on my consumer report that they weren't given consent or permission to do. This is identity theft and a clear violation of my consumer rights. This is civil liability violation and penalty for damages I sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: NCB Management Services Inc.
State: GA
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 checked my credit report and notice this collection account on my report that is fraudulent, haven't been properly verified, reporting frivolous and inaccurate information. 

The collection agency purchased a fraudulent account that was removed off my credit report due to being a victim of identity theft back in 2015 I sent the creditor and the credit bureaus proof of this information and the account was removed however this is over 6 years later and this new company is now reporting the inaccurate information. According to the FCRA LAWS ensure that bureaus report only 100 % accurate credit information. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
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 XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX BANK XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$490.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00} ; PXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX N.A. ) XXXX Balance : {$4700.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX  XXXX N.A. ) XXXX Balance : {$6500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The private client group closed XXXX of my accounts, which was linked to my other accounts, without notifying me and sent the balance to XXXX XXXX XXXX XXXX XXXX. Thus far, I have been unable to locate the funds through unclaimed funds. The banker blamed the back office for the fact I was not notified this was going to happen and the fact they did not move the funds to my other active accounts and instead sent them to unclaimed funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX, XXXX is foreclosing on our home over a debt that is from XX/XX/XXXX. Since XXXX they have not made any contact or attempted to collect the debt. Beginning in XXXX of XXXX they filed pre-foreclosure on the house without any prior notice or attempt to collect or settle the debt. 

XXXX XXXX XXXX, XXXX is practicing extreme and abusive collection practices. When attempts to contact the company have been made they intimidate, interrupt, and dismiss request for information. 

When attempting to settle the debt multiple requests to have offers reviewed have to be made before they follow due process. The loan being collected reached an interest maximum in XXXX and XXXX XXXX XXXX, XXXX continued to not attempt to collect the debt. They waited two years before with out any contact before beginning foreclosure. This has significantly affected the ability to pay back the debt.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have called TransUnion to remove inaccurate inquiries in my account over 4 times in XXXX these Inquiries are unauthorized, illegal, fraudulent, and blocking my obtaining personal and business credits and loan. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-02-08
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES and or bankruptcy from my credit report 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 non-monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: NC
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 is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. My instructions were followed after numerous conversations with at least 10 agents at Experian. In my attachment, you will see that the account was removed by deletions then readied days later. This is a blatant disregard for the law since they aren't following the instruction in the FCRA.

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 2019-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got an email from XXXX XXXX soliciting about a mortgage product. I asked her for the name of her brokerage, NMLS ID or real state license number. She said she will release that upon filling out a form where I'm to disclose my personal information. 

I'm sure she and her company are not licensed to do business in the state of California. 

I've attached the email conversation and the form she enclosed to be filled out.

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 2018-08-13
Company: Credit Bureau Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent dispute to company on XX/XX/18 and again on XX/XX/18. Did not receive any notification/response back within 30 days as said by FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
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: Account information incorrect

Complaint:
Company - TransUnion, XXXX This is not the first time this has ever happened. In 2017, I filed a complaint against them with XXXX XXXX XXXX. Because of this, they upped my credit score. I just dont understand how I have XXXX credit scores with the other 2 but always had XXXX or XXXX with TransUnion. 

I pay off my credit card in full every month but for some reason, TransUnion always make sure to lower my credit score every time I use my credit card. I have a credit limit of {$47000.00} per transunions explanation. I used {$4600.00} to buy something to take advantage of credit card points I get back. Because I dont like paying interest on my cards, I make sure I pay off the debts once they are due. I have proof that I always pay my debts off. I dont understand how I have XXXX credit score with the other 2 credit bureaus and yet, with TransUnion, I always get low scores. As soon as I use my card, the next day, Transunion already lowers my credit score without waiting for the billing cycle. I am not sure why they would do that. This is racial discrimination because of my last name. I do not see any other reasoning or explanation. 

I would like to file a formal complaint against TransUnion, XXXX and I am willing to show years of proof to show how this has been an ongoing issue with them and they have been racially biased.

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 2021-03-10
Company: RentDebt Automated Collections, LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This item is for RentDebt Automated and the original creditor is XXXX XXXX XXXX with a balance of {$3600.00} is inaccurate because by law, I can break a lease agreement. Under the Servicemembers Civil Relief Act, ( 50 App. U.S.C.A. 535 ) a military member who receives orders to move or deploy can break a lease agreement. I gave a 2 ( two ) month notice and provided a copy of my military orders to break my lease. They continued to charge for 3 more months of rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Experian Information Solutions Inc.
State: NY
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:
The account has not been verified so I should not be liable for this 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 non-monetary relief
Consumer complaint received 2018-01-21
Company: Quality Asset Recovery LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this debt and I should not be liable for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: NAVY FEDERAL CREDIT UNION
State: CO
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:
Navy Federal Credit Union has reported a fraudulent account on my credit reports. I have contacted them several times once I discovered these active accounts. They years later are on my credit report even though I have disputed them several times. XXXX, XXXX, and XXXX refuse to remove them.

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