BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: FL
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:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My is XXXX XXXX I am a federally protected consumer and I am filling this complaint against JPMCB XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

Over the course of XXXX Chase has inaccurately and fraudulently furnished false and misleading information on my consumer reports as a means to bring harm to me and my financial reputation. 

Chase JPMCB reported XXXX separate account ( XXXX ) as Charge-Offs on my consumer reports. 
I am aware that under 7 CFR 1956.54, A Chargeoff is the writing off of a debt and termination of collection activity. I am aware that when a debt is written off, it has now become gross income pursuant 26 U.S. Code 61. Note, discharging of indebtedness also falls under this code. Lastly, income shall not be reported on any consumer report.

If Chase JPMCB has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

- I would like a senior XXXX member from your company to send a sworn statement of fact that you did or did not file a 1099C as required by the IRS and/or the US Treasury ?

If a 1099C was filed I DID NOT RECEIVE A 1099C from your company.

- If you did file a 1099C, send me proof such as a tracking number or green return receipt with my wet signature, proving that I did received and that I was in fact made aware of a 1099C.

This company JP Morgan Chase & Co. dba as JPMCB is committing unlawful extortionate means by furnishing this alleged debt to my consumer report as a means of bring harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COMMONWEALTH FINANCIAL SYSTEMS IS IN VIOLATION OF THE FDCPA AND THE HIPPA LAWS FOR REPORTING ON A FRAUDULENT ACCOUNT AND ALSO FOR SHARING FRAUDULENT MEDICAL INFORMATION PUBLICLY! I HAVE NEVER GAVE COMMONWEALTH FINANCIAL SYSTEMS PERMISSION TO SHARE ANY OF MY PERSONAL INFORMATION AND THEY ARE TARNISHING MY NAME AND ALSO DAMAGING MY CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2020-12-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
ERROR OF FEES NOTICE AND COMPLAINT OF UNAUTHORIZED FEES, ACCRUAL OF FEES, INTEREST BASED ON THE FEES AND ACCOUNT ADJUSTMENT BASED ON IMPROPER AND ERRONEOUS FEES. 

THIS INFORMATION IS BEING REQUESTED IN WRITING AND A RESPONSE IS REQUIRED. PROVIDE THE REASON FOR THE FEES FOR SERVICE/INSPECTIONS AND OTHER FEES DISBURSED FOR XXXX AND XXXX AS IS INDICATED ON THE ACTIVITY STATEMENTS. 

PROVIDE THE PERTINENT INFORMATION, INCLUDING SIGN IN SHEETS, PHOTOS BEFORE AND AFTER THE INSPECTION/SERVICE, COMPLETE REPORTS FOR SERVICE PROVIDED, FEE SCHEDULES OF SELECT PORTFOLIO AND OTHER INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under XXXX15 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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-10-03
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection was incorrectly sent to Jefferson Capital Systems from XXXX after XXXX had agreed to nullify my contract after I moved to a location where XXXX did not provide service. Jefferson Capital aggressively and repeatedly contacted me asking me to pay this debt when I explained to them that it was not valid ( according to XXXX 's own contract ). The last time I spoke with Jefferson Capital, I offered a resolution which they refused. Now they are reporting this account to the credit agencies and using it as leverage against me. I am very disturbed by their lack of reason in this matter and now it is unjustly affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting letters and phone calls from a law firm named XXXX XXXX trying to collect a debt for midland funding I have no idea what this debt is and they have not provided what the debt is also midland funding is a debt collection agency i do not have any outstanding debt with any companies and want the phone calls and letters to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. please delete this erroneous reporting. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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 information incorrect

Complaint:
Opinion ... .after years of trying to resolve the misinformation, incorrect reporting, omissions and frankly outright no concern for accuracy and your evidently by example inept staffs, or non concern for what you claim you are we have paid off ALL of our debts including those who have submitted us to collections. You will NOT get a reply for months. Yet, anything negative, wrong or incorrect you post immediately. In my opinion you are a fraud impacting millions. I look forward to monitoring how long it takes ( if ever ) for our credit scores to go up! We will not hold our breaths. As for the CFPB I do not expect them to even read this which is their SOP- SEND IT AND CLOSE IT IMMEDIATELY. I expect a send me your identity XXXX XXXX for these inept agencies as a delay. TRUTH BY WORKS AND FACTS WHILE YOU ALLOW negative information to be posted immediately and these agencies have off shore staff capable of accessing Americans ibfirmation even while warning us of confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 Toyota Motor Credit XXXX XXXX XXXX, XXXX XXXX, ia, XXXX Dear Toyota motor credit, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX fl XXXX in the months of XXXX through XXXX and identified the debt as XXXX charge offs of XXXX and XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX U.S. DEPARTMENT OF EDUCATIONXXXX

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 2021-10-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan service provider is Navient. Navient took over for XXXX XXXX XXXX. I paid on my student loans for years. I graduated in XXXX from grad school. All of my payments that were made since graduation is not in my payment history, in particular any payments made between XXXX - XXXX. 

A fair resolution is proof that I have been paying on my student loans since my graduation in XXXX. I was wrongfully denied the IBR program under XXXX XXXX XXXX. I want my accurate history, that I have been in the IBR program since at least XXXX, which is 18 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
I sent in a dispute to Experian for them to request the original documents from XXXX as they are the original creditor and the account now belongs to XXXX XXXX Co as that account was satisfied and closed nearly 10 years ago with XXXX. This account has reached it's statue of limitation, however reports on credit as opening date of XX/XX/XXXX, which is also incorrect. A request to Experian was sent on XX/XX/XXXX, then I sent a follow-up request on XX/XX/XXXX. Experian has failed to provide the document to me from the original creditor XXXX. On XX/XX/XXXX I reached out to Experian, after XXXX hour of being transferred from person to person, they connected me with the Fraud department ( agent named XXXX on the XXXX XXXX ), whom advised me that I would need to file a police report for the account. I never stated that the account was fraud and refuse to call the police and not tell the truth. After hanging up with her, nothing was resolved. I previously filed a CFPB complaint and it stated that I did not submit the request, however I did and nothing was resolved with that either.

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 2017-10-26
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinance XX/XX/XXXX. My loan was funded XX/XX/XXXX and my previous lender, Dovenmuehle Mortgage, was paid off. They were holding an escrow fund of {$4300.00}, which was to be mailed to me within 2 weeks. As of XX/XX/XXXX, I have still not received a check from Dovenmuehle. I have called their desk 4 times and requested them to reissue a check. Each time, they stated the original check was mailed XX/XX/XXXX and that their policy was to wait 30 days from issue to resend the check. Escalating to supervisors did not change their response. 

When I called today, they stated they would send another check with no tracking number. If I did not receive it in 30 days, I could call and have them re-issue a check. When I asked for them to overnight the refund check, they stated it would have to be escalated to another department. I would receive a response with 24-48 hours if they would decide to overnight the check. 

These are all classic stalling techniques. I do not know if Dovenmuehle is a solvent entity since my mortgage was purchased by them without my knowledge or consent. It is unacceptable that they can hold on to {$4300.00}, stone wall me, and refuse to expedite service when they are in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: ALLY FINANCIAL 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:
Ally car loan is paid off. They are still reporting it delinquent will not fix. No title sent either getting run around.

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 2021-10-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent out letters to open a dispute with XXXX and Experian on XXXX XXXX of 2021. There is inaccurate accounts on my reports. Including XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX with a balance of {$120.00}, XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX with a balance of {$13000.00}. Its been over 30 days since Ive disputed these accounts.

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 2021-02-16
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is trying to collect a debt that is not mine i have reached out to company they have failed to remove after i have expressed that this debt is not mine have not received investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NY
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:
I have noticed many incorrect and unauthorized items appeared in my 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 2021-09-08
Company: The CBE Group, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CBE Group has original creditor as XXXX XXXX XXXX began frequent calls from times like XXXX XXXX, XXXX XXXX  and XXXX. 

The debt is already being taken care of with XXXX XXXX XXXX  for automatic withdraws for the amount of {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Innovate Managed Holdings, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
1. My XXXX XXXX XXXX was paid off XX/XX/XXXX by my dealership. The leasing company charged my checking account XX/XX/XXXX after the lease was paid in full {$410.00}. Ive called them 8 different times and after being transferred around they hang up. I have an email that states they would send me a check which never happened. After my eighth call yesterday I was told that the payment back to me was being held for unknown reasons. I have disputed this charge with my bank waiting on confirmation of refund. 

2. After over 35 days my dealership still has not received the title. My dealership owes me {$3500.00} which is also being held until they receive clear title. Same leasing company. 

XXXX XXXX XXXX serviced by Innovate Servicing Corp account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you need any further assistance, please XXXX

Company response to consumer: Closed with explanation