BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX RE : XXXX XXXX Account # XXXX, which XXXX illegally sold to Crown Asset Management / XXXX XXXX. ( Also a Violation of Consent Order XXXX. ) XXXX  debt collector, Crown Asset Management DBA XXXX, is unlawfully attempting to collect on a phantom debt which XXXX illegally sold to Crown Asset. XXXX is ultimately liable for the conduct of its agents. I ask that XXXX immediately remedy this unlawful conduct, including unlawful collection actions for a debt that I never owed and that would be outside the statute of limitations even if the debt were valid.

Specifically, the account balance was XXXX when I closed the account in XXXX. Crown Asset Management filed lawsuit around XX/XX/XXXX but provided no validation of the debt showing why it claimed I owed any money to it.

XXXX illegally sold the debt to Crown Asset Management, which sued me for the invalid debt by submitting a false proof of service to the court. I was out of state with my gate up at my house with nobody living at my house at the time the process server supposedly served the complaint. Other courts had found the process server to have filed false affidavits with the court, according to court filings.

Crown is alleging an amount far higher than the underlying charge along with attorneys fees. However, I did not owe the underlying debt ; and even if I did owe the debt, it would have been outside of the statute of limitations. I should not be subject to paying for a debt I do not owe or be subject to default for a debt I do not owe. XXXX and Crown Asset also failed to validate/verify the debt or forward my financial records to me regarding this debt. This is the most I can piece together since the lenders and Crown Asset refuse to give me a complete copy of my financial records and the entire file related to the account.

XXXX conduct is in direct violation of Consent Order XXXX, which the CFPB ordered after it found violations very similar to my case. As such, XXXX should be held in contempt and sanctioned.

I informed XXXX and Crown Asset Management of their unlawful conduct, the falsified service affidavit and their many consumer violations in order that the lawsuit be dismissed. In response, the attorneys filed a request for default. In my opinion their conduct is unethical and unlawful. My requests were ignored and held against me. Please contact me if you would like any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE ACCOUNTS OR INQUIRIES

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 2020-05-28
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: GREAT LAKES
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX suppose to cover our loan payments when my husband a Veteran was XXXX. XXXX XXXX sent us a letter with the claim # - XXXX, benefit # - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX told us our loans were not covered but we had chosen coverage when we applied for security purposes in case something happens. See attached documents that was sent to us by an employee of XXXX showing we had chosen insurance coverage. Same with our loan documents where it's showing we had chosen the insurance coverage for our payments. When we brought up this issue, we inquired about the coverage, XXXX XXXX employee said my husband is not XXXX although we showed his medical condition was based upon determination from the military veterans affairs and his doctors. XXXX XXXX is liable to disclose eligibility of customers under insurance coverage and we ask XXXX XXXX to make payments accordingly to our loans that was never applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian keeps putting fraud alerts on my file without my permission, I did not request them to do it, nor did they contact me before doing so. I want it removed from my file ASAP, and notified by email and phone call that is was removed.

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 2019-11-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On or about XX/XX/2019 I request PennyMac to transfer a copy of my VA appraisal letter to XXXX XXXX for a refinance. Since this time, I have had to contact the company on 3 different occasions to get the transfer approved and authorized so that I can close on a refinance loan with XXXX XXXX. PennyMac is my current mortgage lender and I can not believe that it takes a company 10+ days to transfer paperwork. This has caused me a hardship and frustration. Today 's date is XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company never sent the requested documents validating the debt ( original contract with legible signatures ). Account closed with inaccurate information. XXXX 's terms and conditions for this account doesn't meet XXXX XXXX compliance requirements for credit reporting. Company failed to give proper notice of right to dispute. Notice to agent is notice to principal. Company is negatively harming my consumer credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions 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:
A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it XXXX or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX 1 immediately, as you AND this illegitimate company are in violation of federal law.

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 2018-09-27
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi I have a problem with a online merchant about the service they provide. I filed my dispute with CITI bank, but they believe the evident that I provide are only good for a legal case ( since it's a merchant violation of contract ). Citi bank don't think they can chargeback the merchant for a legal case. In that case. I am writing a complaint here and hopefully I can get some legal documentation to push this dispute to the arbitration. 

Please see attachments I provide below.

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 2018-03-11
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2018 I went to check my credit and to my surprise a medical bill that I knew nothing about was listed. It was from XXXX XXXX XXXX XXXX for {$890.00} and the creditor was Ability Recovery Services. Well from my understanding I signed a HIPAA form when I go to the doctor or a hospital, which states that I only allow them to discuss my medical information with whomever I put on the form. That medical debt collection agency does not have permission to access my medical information. Im asserting violation of HIPAA based on improper disclosure of the medical procedure, and to get a resolution pertaining to the disclosure of the medical procedure. violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I applied for and received a loan with XXXX. When Covid hit not only was I on XXXX  leave, but was laid off due to the shut down in California. I have notified XXXX  of both as there was going to be times I was going to be late on payments etc. Currently XXXX is in possession of my car illegally and the fees required to retain my vehicle are paid. XXXX has refused to give me a statement of accounts, saying that i should have copies. I do have emails with the copies attached, yet they have deactivated the link to the documents and have not responded to my request for access. To date I have payed well over {$5000.00} and I have been told by two employees that none of what I have payed has been applied to the principle of the loan, just the interest. I requested a settlement quote and was told that the amount owed on the account was over {$8000.00}. I have XXXX children and can not be without my vehicle. XXXX are crooks!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: MIDFIRST BANK
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2018-09-27
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and ALLY FINCL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

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 2018-09-27
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I went to pay my car insurance and the transaction was denied. I knew that was wrong so I went online to see what was going on and there is 5 withdrawals that I did not make all from Texas and I live in Florida. I don't even know anyone in Texas. The first one is on XX/XX/18 @ XXXX XXXX Texas XXXX XXXX accnt for XXXX the next one is on XX/XX/18 @ XXXX XXXX Texas XXXX # XXXX for XXXX the next one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX next on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX and the last one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX. I immediately got a hold of XXXX XXXX to cancel my card and started a dispute to hopefully get my money back. I have filed a report with XXXX County Sheriff 's Office and hope that they investigate this. I have also filed a report with federal trade commission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: VA
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:
Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. Equifax refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your XXXX still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Monarch Recovery Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly told Monarch Recovery Management that the debt that they are trying to collect was from my old business. The debt was from a XXXX business loan. I have been tirelessly going back and forth between Monarch and the original bank, XXXX, and neither are of any help. XXXX sent me the statements in questions and they all have my name and my company 's name on them. I did not personally guarantee the loan and have since dissolved the company. The proper procedure would be to pursue my company and not me. They have put the debt on my credit report and it's destroying my FICO  score. Everything else is positive, but this is negative. I have also tried to resolve this with the three different credit reporting agencies, but have not been able to. After I have told Monarch that this is not a personal debt, they will not stop calling me and remove the debt from my credit report. Please help me in dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am disputing the following XXXX account for inaccurately reporting on my credit report for the past several years on Transunion. Proof was sent as an additional reference. On XXXX it says that the high balance is {$0.00} but on Transunion it says that the high balance is {$310.00}. Per Section 15 U.S.C. 1681i. I requested Transunion to delete the following account for inaccuracy on my credit report. This letter was sent on ( with proof ) XX/XX/2022. I received response on XX/XX/2022 saying that the account was verified.

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 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. XXXX refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your Transunion still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.

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 2019-08-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM " XXXX   '' XXXX HAD ANY BANKRUPTCY

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