BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: Stuart-Lippman and Associates, 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 information incorrect

Complaint:
There is a collection by XXXX XXXX listed on my credit report through Stuart Lipman and Associates. 
XXXX XXXX dissolved their retail department and released me as a result. 
This was not a loan, it was never a loan as it is listed. XXXX XXXX NEVER loaned me money. 

This is a NON-Reportable disclosure and violates FINRA securities rules/laws by having it listed on credit reports. 

This mark on my report is hindering me from securing loans for my children. 
COVID has been relentless in causing job insecurity and improper reporting is adding to the stress of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: SC
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 pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company name Ideal Collection Services reported to my XXXX credit repot I owed them $XXXX   Dollars, I had never have any business with them, and they claim I rented a property in XXXX  florida, I have never lived or rented a place in XXXX florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: TD BANK US HOLDING COMPANY
State: AE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Opened a TD Bank XXXX Financing Account to purchase a XXXX phone. Traded in two devices to receive promotional credit towards cost of phone. XXXX never processed the trade ins and have revoked my trade in credit. Was supposed to receive XXXX USD in trade in credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: PNC Bank N.A.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was closing on my house and got a call that I needed to wire the money over once I get the email. ( Which was real ). 

Later on that day I got an email that asked me to wire the money over. I did and called them afterwards and they said they didn't get the money.. Come to find out, their email was hacked into and I end up sending the money to another back. XXXX. I called my bank- BOA right away and they said they will look into it and try to get money back... I been calling them almost everyday and its already XXXX and they still say its pending. I feel like they are just telling me that to have my stop calling. Its not cool that this guy, XXXX XXXX ( PNC Bank XXXX got all this money and I am over here fighting my bank. I have XXXX kids and dont have time to call them Everyday. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/08 I spoke with a representative in the rate reduction department advising that I was recently separated from my job on XXXX and needed some other assistance with my loan repayments. I explained that I'm already paying $ XXXX/month and this would be near impossible for me to continue while unemployed. I explained that I'd filed for unemployment and had not been approved as of yet. Right now I have NO INCOME! explained that my co-signer does not work and receives a fixed income and is unable to help me with any payments. The representative showed no concern and stated that my only option was to pay $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: JPMORGAN CHASE & CO.
State: MI
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:
Chase Bank fraud department contacted me claiming UNUSUAL and Unauthorized activity on two Chase Bank credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of JPMChases claims. But These cards are being reported by Chase to my credit report. Chase also believes this account was not opened by me. Therefore, Chase by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by Chase representatives and their fraud department to confirm my dispute. 
1. Chase Freedom Credit Card ending in XXXX 2. Chase Amazon ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Onemain financial took an additional payment of, {$430.00}, out of my checking account without my authorization on XX/XX/XXXX. When I contacted them concerning the matter, they stated they were unaware of this transaction. I took them a hard copy of my bank statement in person to prove this to them. The company had taken the normal scheduled payment out the week before on XX/XX/XXXX. After the second transaction took place, there was no money in my checking account. I was left with {$0.00}. I contacted them via phone immediately and went to their office on XX/XX/XXXX about this concern. I was leaving to go out of town on the evening of XX/XX/XXXX for work. I expressed my concern about this matter and how much of a hardship this was putting me in. I had to go out of town to work without any money for gas or food. I was out of town on the evening of XX/XX/XXXX thru XX/XX/XXXX. They informed me there was nothing they could do. They were unwilling to help me with money to get me through the weekend. I ask them about writing me a check for the money and they refused to do so. They stated they could not make this transaction for me. With that being said, I had no money for food or gas the entire time I was out of town working. It is now XX/XX/XXXX and I still have not received the money back in my account. I am in a hardship now due to other bills being due that I can't pay because One Main Financial has not refunded me the money they took without my authorization. It has now been seven days and I still have not received the money back into my account. Today is Friday, XX/XX/XXXX at XXXX, and I am going into another weekend without any money. I am very upset about this matter. This is money that I have had to get out and work for. This is not a credit card matter, that I consider free money from a bank or credit card company. I called them today, XX/XX/XXXX, about my concern about the money not being refunded back to my account. They could not explain to me as to why this money has not been credited back to my account. To this day, I still do not have any money in my account to make it through another weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.

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 2022-02-14
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a current victim of identity theft, Transunion, XXXX, and XXXX continue to report fraudulent activity on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX. FTC has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to 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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted these companies for over 2 years asking can these fraudulent accounts be removed. My rights as a consumer are being violated. I have sent in several documents notifying these companies and the major credit bureaus. I have filed a police report with XXXX XXXX in Florida. I have also filed a federal commission trade report for identity theft. I have token the proper procedures to lock and freeze my accounts. The current files still remain on my credit files. These files are not mines and I have never had knowledge of these accounts. 

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

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 2019-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 9XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Select Financial Services, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The attorney stole my Marketable Title, took out mortgage and put my name on the IOU. He did this without my knowledge or my consent. The pretender bank is XXXX, and they are calling me, taking me to court for foreclosure

Company response to consumer: Untimely response
Consumer complaint received 2022-02-14
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a few years back my information was taken and used. I found out at the end of 2018 and reported and had many of the issues fixed but the few that refused to report properly to XXXX. XXXX and XXXX fixed them almost instantly. The issues im having is with XXXX Bank of america/ XXXX XXXX XXXX . I have already summited FTC reports to XXXX  to fix the issues but they do not. I have sent letters to all the banks above with documents of the accounts not being mine and I have received no proof or reply. I am asking them to simply remove the accounts from my report or send signed documents that show I have opened these account. ( which there is non since i never opened them ) XXXX XXXX XXXX ( account number XXXX ) Bank of America ( account number XXXX or xxxx ) XXXX XXXX XXXX  ( account number XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX ( 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 2017-12-31
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I have been attempting to work with Resurgent Capital regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to Resurgent Capital over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company unknown to me placed a medical collection on my credit report. I am not a resident in the state of the medical center. I have not traveled to the state where the medical center is located. I am employed in my state of residence and carry medical insurance through my employer. I do not have family in the state where this medical center is located. I do not suspect fraud, rather I suspect this is an administrative error where my SS # is being reported to in error. I contacted the agency on my credit bureau report. Unfortunately, they were not able to assist me as they do NOT have an account in their office with my name. I was told due to privacy laws they could not disclose information about any debt. I offered my social security number to which they advised my name is not in their system and they could not speak to me. This debt does not belong to me. Please perform a thorough investigation to determine the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX fraud department contacted me claiming UNUSUAL and Unauthorized activity on two XXXX XXXX credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of XXXX claims. But These cards are being reported by XXXX to my credit report. XXXX also believes this account was not opened by me. Therefore, XXXX by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by XXXX   representatives and their fraud department to confirm my dispute.

1. XXXX XXXX Credit Card ending in XXXX 2. XXXX XXXX ending in 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 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted the collection company about a debt, they have sent me a letter proving they reported the collection as being paid. I believe it was only XXXX dollars The derogatory mark is still on my report. I paid this back in XXXX of 2018. This is hindering my credit score and holding me back from my goals.

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 2022-02-14
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: Investigation took more than 30 days

Complaint:
Credit companies and bureaus are not complying with there own policy within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Fay Servicing, LLC
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 status incorrect

Complaint:
In XX/XX/XXXX my lawyer sent a letter to Fay Servicing that they provided incorrect information to the credit reporting agencies and to have it removed for both my mother and myself as we were both borrowers on the loan from XXXX. A DEED IN LIEU OF FORECLOSURE was provided by XXXX XXXX, XXXX who was my service provider with an agreement datedXX/XX/XXXX as recorded by the court in XXXX XXXX, Florida. Subsequent to the deed in lieu, the loan was erroneously transferred to Fay Servicing as the deed in lieu was executed prior to the transfer. 

Fay Servicing responded back on XX/XX/XXXX stating that they were in error of reporting the loan and they stated that on " XX/XX/XXXX the account boarded our system via transfer of servicing from XXXX. Prior to the transfer, a Deed-in-Lieu was executed however, we continued reporting the account as delinquent to the credit bureaus. '' They assured that it was removed from the credit bureaus and they would not report it in the future, however, I logged in to check my credit report while applying for an auto loan which I was denied for. I realized that Fay Servicing is still reporting the inaccurate information to XXXX - after 3 years later. 

I want this removed immediately as my credit has been damaged over the last 3 years due to Fay Servicing erroneous addition of this loan showing delinquent on my credit report. This should have been fixed when my lawyer addressed this back inXX/XX/XXXXand should have never been reported in the first place.

Company response to consumer: Closed with explanation