BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: Resurgent Capital Services L.P.
State: TX
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 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX/RESURGENT CAPITAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX  XXXX/RESURGENT CAPITAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of IDENTITY theft ... ... I submitted all the proper documents to all 3 bureaus previously ... .this account on my reports was removed previously as it was found to be fraudulent and now it was re-inserted for no reason ... .these credit bureaus are XXXX and they never follow the guidelines set forth by the FCRA ... they just operate in their own worlds and go by their own RULES. Both of the following accounts should be removed and deleted permanently from my reports. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$3300.00} Reason : Account is fraudulent

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 2022-04-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I transferred {$29000.00} from my XXXX XXXX  checking account on XXXX XXXX to Toyota XXXX XXXX XXXX. I have had a financial account with Toyota XXXX XXXX XXXX for several years. They received the funds and were even paying me interest on that money. On XXXX XXXX they decided to transfer those {$29000.00} funds back to my XXXX XXXX  checking account without my knowledge or permission. Those {$29000.00} funds never made it to my XXXX XXXX  account and Toyota XXXX XXXX XXXX claim that they do not have the funds. So as of XXXX XXXX the whereabouts of my {$29000.00} funds are completely unknown. Toyota XXXX XXXX Notes were the last financial institution to have my money. I believe that they violated the " Electronic Fund Transfer Act " when they supposedly attempted to move my money without instruction from the owner ( myself ). I have had several conversations with management at Toyota XXXX XXXX XXXX and they seem to have brushed me off about the entire topic of these lost funds. The trace numbers for the transaction they have provide to me make no sense to XXXX XXXX  were the funds were supposedly returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX, a federally protected consumer and I am making another complaint against Credit Control LLC regarding an account that they purchased from XXXX XXXX XXXX. I have sent your company several correspondences, however, they always seem to go unanswered, or XXXX XXXX XXXX gets involved and types a computer-generated letter to " verify '' this alleged debt which continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Credit Control LLC any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I have still not validated any alleged debt with Credit Control LLC and while I have not validated such a claim of debt this in turn can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX  XXXX XXXX, CREDIT CONTROL LLC and myself, giving Credit Control LLC any right to collect on this alleged debt. It is my belief that Credit Control LLC is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the 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 explanation
Consumer complaint received 2021-05-17
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of IDENTITY theft ... ... I submitted all the proper documents to all 3 bureaus previously ... .this account on my reports was removed previously as it was found to be fraudulent and now it was re-inserted for no reason ... .these credit bureaus are crooks and they never follow the guidelines set forth by the FCRA ... they just operate in their own worlds and go by their own RULES. Both of the following accounts should be removed and deleted permanently from my reports. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$3300.00} Reason : Account is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
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 XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilFeb XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CITIBANK, N.A.
State: GA
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 XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my Credit Karma account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
Citibank XXXX XXXX from XXXX XXXX, XXXX - XXXX Loans XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / 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 2022-04-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent my legal tender of payment to Chase. They accept the legal tender of payment since they haven't sent it back ( UCC4-302 ). They blocked me from using the cards, a natural person from using he's credit. Committing identity fraud as they claim they are the original creditors ( 15 USC 1602E,15 USC 1602G,15 USC 1602J,15 USC 1602I ) . But on the loan agreement ( promissory note ) there's only one signature in the documents. Statues related to US Code states that creditors are in fact a natural Person. With my signature being on the promissory note ; and the only signature on it. Chase is violating multiple US Code Statues and not only are they assuming themself as me in giving out credit and giving out falsely negative information to the three credit bureaus : XXXX, XXXX and XXXX. ( 15 USC 1681 B-2 ) ( 15 USC 1611 ) Not only are they committing fraud but hindering, my livelihood and reputation by reporting defamatory information and limiting the open-end credit ( 15USC 1602J ). This has cause me and my domestic partner distress and is affecting our plans of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi My loan was serviced by XXXX XXXX XXXX and recently transferred to Flagstar in XX/XX/2021, I tried to remove the escrow account with XXXX before the transfer and now have to deal with Flagstar. 
I tried to apply to remove Escrow account for taxes and insurance and submitted the paperwork with Flagstar in end of XXXX and submitted all require documents and sent and received by the bank by XX/XX/XXXX. I called later in XX/XX/XXXX to inquire about status, Customer Service noted a ticket will be opened and issue will be resolved. I have not been contacted or notified about removing escrow account. I am not sure what is taking so long. No response and contact is very frustrating as home insurance is due and not sure if I need to pay or will the bank pay via escrow. I would like a status and when my escrow removal applications will be processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX FACTACT FREE DISC XXXX XXXX Capital One For the record Im beginning to sound like a broken record repeating myself. Seems to me no XXXX but a computer is hearing my situation. Ive contacted you several times asking for verification steps that the creditor and the credit bureau took in order to accurately ensure that it is in fact mine and not a fraudulent inquiry? I received several XXXX and bogus message with no actual answer and I know by law according to Section XXXX in the FCRA it clearly reads that the creditor nor the credit bureau can not attempt to place any new credit account or credit inquiry onto a consumers credit profile without consent and accurately verifying. Now that I have copies and record of you consistently ignoring my letters, messages, and breaking several laws in the FCRA Im am now determined confident and ready to take legal matters against the creditor and credit bureau. I am not allowing no time to respond back to this matter. You had to much time to respond but you decided to disrespectfully ignore my letters, email, and everything else. Im more than delighted to take this matter to XXXX XXXX XXXX XXXX XXXX and prove that the inquiries are fraudulent, an error and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: DISCOVER BANK
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Discover credit card and in XXXX XXXX I had some unauthorized charges on my credit card. Discover recommended that I cancel that card and get a new credit card with a new number. In XX/XX/XXXX, I noticed that there were some unauthorized charges on my new credit card but the statements said that these charges were transferred from my old credit card that was cancelled over a year ago. On following up with Discover I was told that even though the old credit card was cancelled, someone could still misuse it by setting up a recurring charge account at an online vendor and charge the card and those charges would be transferred to my new card. I made many calls to Discover and also made a complaint to the executive office of Discover Financial. They have told me that their systems currently have no way of preventing these fraudulent charges from passing to me in the future. They assured me that they would refund any unauthorized charges but it would be up to me to monitor my account to find and report these. This seems to be counterintuitive that if they suspect that my credit card information is stolen that they would not take steps to shut it down and protect my new account. They can not guarantee that I would not have future issues as they are unable to decouple my previous card from my new account. My only choice is to shut down the account permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: GA
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:
Please note that this is the second request for assistance in reference to inquiries being made and allowed by Equifax that are listed on my report. I am in the middle of trying to obtain a loan and this is causing myself and my family hardship. After filing and calling Equifax more than three times, Equifax has refused to show proof of validity for inquiries that were posted on my report. My initial complaint was filed with CFPB back on XXXX XXXX, 2017 and I 've attached the response back from Equifax stating that the inquiries were factually proven to be mine ; however, again, they have not proven validity and I had a fraud alert placed on all three reports at the beginning of this year. According to the fraud alert clause, I should be notified every time a merchant runs my report, but I was not notified about any of these inquiries. Please review the attached and refile a complaint based upon Equifax 's refusal to show validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have verified that I am one of the many who has had their information compromised at Equifax. 
I am XXXX and in the process of trying to get a mortgage loan but am having issues with getting my credit and being locked out of Equifax and having incorrect information removed and/or updated to reflect it accurately and current. 
There is a collection for {$990.00} with XXXX XXXX and it is INCORRECT. I  have tried to get this updated several times and keep getting ignored. That bill was for an emergency room visit that was paid by and covered by insurance at the time and was improperly billed by XXXXXXXX XXXX. I was assured 6 months ago it would be removed by the original creditor but it has not. Also, update my XXXX to report it as OPEN and current with a XXXX balance. I am concerned that information that should be reported is not and is not current and as a result, my credit scores dropped 50 points!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX/ {$18000.00} / XX/XX/2022

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