BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: The Bureaus, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
hello I am attempting to resolve issues I am having with debts being reported on my credit report that does not belong to me. The creditors bon my credit report were made aware that I was a victim of identity theft in 2019. I reported the identity theft incident along with notifying the registering through the ftc, gov to file a report. I recently re- requested debt validation of the fraudulent debt being serviced by the bureaus and was instead sent a manila envelope where inside i found XXXX  months of a credit card statement from XXXX XXXX that has my name on it. These photocopies are of an account that Ive never seen nor used. This print out was not from the current agency. They just sent papers from the previous debt servicer with my name and a previous address. This is not authentic proof to compel anyone with common sense into being secure in ownership The bureaus is attempting to collect {$480.00} from me. 
for a XXXX XXXX account they say ive opened. This along with other accounts were opened in my name during my senior year of high school. Not only are the trying to collect a debt I did not create, the company reuses to provide real debt validation information to include the original contract or affidavit showing that I allegedly signed to establish the account. It can not exist as this is idenity theft and not mine. 
They have the burden of proof. My rights have been violated, this account should reflect that it is in dispute. It does not that is a XXXX fine penalty. 
The account is being listed on all major bureaus improperly, as an open collection I have not established any credit or entered into a contract with them to have an open collection with the bureaus account. with a balance due. the deceptive way the debt is being reported is causing more damage than necessary. 

I ask that you help me encourage the bureaus collection agency do what is right and remove this erroneous information from my credit file. thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my profound frustration and dissatisfaction with the unresolved fraudulent accounts that continue to plague my credit report. Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
XXXX XXXX XXXX PLEASE DELETE!!! 
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. The time for resolution is long overdue, and I insist that your bureau takes immediate action.

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 2021-01-28
Company: TRANSWORLD SYSTEMS INC
State: IN
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:
On XX/XX/2020, TSI, Transworld Systems Debt Collection reported an unpaid account on my credit report - amount {$220.00}. The original creditor is an electric company in Texas, XXXX XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX. I had never even heard of XXXX XXXX. 

I contacted XXXX XXXX and they told me that my information does not match the information of the person who opened the account, including the social security number. They told me to contact TSI.

I contacted TSI and they told me that the account opener had a different name than myself, and a different home address, but that my SSN was the number associated ( If the companies disagree on the SSN, somebody is committing fraud ), I opened a dispute with TSI and they promised to contact me.

I filed a dispute with XXXX  credit reporting and it came back simply saying that the information was verified. TSI never followed up and told me that they would do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Corpration says they are going to sue me .For a very old debt that isn't mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX Account # XXXX, has violated my rights.

15 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 explanation
Consumer complaint received 2018-05-23
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX asked for debt to validated four times by XXXX. one time debt was removed by XXXX XXXX because not accurate. They then waited and put back on here. I have asked all calls and letters cease they continue to put wrong information on credit report. 
XXXX XXXX paid asked for this to be removed not stil by company or XXXX XXXX asked for validation nothing. 
XXXX, XXXX and XXXX continue to put wrong information on credit report when you do a dispute they are doing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Servis One, Inc., Titusville, PA Branch
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Representative, It has come to our attention that our mortgage was sold to a new servicer. Our goal is to get the proper payment address and further assistance with a new loan modification. The payment made was returned for incorrect address given to us by the customer service line. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: JPMORGAN CHASE & CO.
State: NV
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, On XX/XX/XXXX XXXX, my wife and I used a Bank of America ATM XXXX XXXX ) located at XXXX XXXX XXXX XXXX, CA and made a cash deposit of {$7000.00}. The ATM only recognized {$300.00} and ate the rest of the money. We were told to file a claim and it can take up to 45 business days for the final resolution. We were in the process of selling our car. The buyer gave me {$7000.00}. We were hoping that the ATM would process the bill before we can close the deal with the buyer. Because of this issue, we are now in a very awkward position. The buyer is pressing us to sign the title to complete the transaction. Meanwhile, we dont have the money in our pocket. We dont want to proceed until we get the final confirmation ( not a temporary credit ) that the $ XXXX is secured. 

By any chance, will you be able to help escalate the issue such that we can get the issue resolved by BofA asap? Waiting for 45 business days is too much for us. Your help is very much appreciated! 

Thanks, 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 monetary relief
Consumer complaint received 2023-08-07
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-03
Company: The Bureaus, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint against the Bureau was previously closed. Please re-open this complaint XXXX. In reviewing the invoices that this company attached these invoices belong to a XXXX XXXX in XXXX Florida. Please review the invoices attached that the company attached to the complaint. The address is XXXX XXXX XXXX XXXX Florida XXXX. I never lived in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
15 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 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 explanation
Consumer complaint received 2021-07-14
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on actived COVID 19 forebearance for XXXX XXXX  XXXX. Shellpoint Mortgage has been charging me XXXX  per month for last 6 months for property inspection fee. 

Under covid 19 forebearnce, there are not supposed to be any fees assessed to my loan which they continue to do. After I came off this COVID 19 plan, and am trying to catch up on payments I am still being assessed XXXX  per month propety inspection fee. 

Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency called Experian suggested in their letter to me dated XX/XX/2018 ( report # XXXX ) that I write to you about their decision to materially lower my credit rating. 
Their decision was based on me missing a $ XXXX monthly lease payment on a car I had just acquired. That was a simple mistake due to the car dealership erroneously informing me that my monthly payment had been paid with the initial deposit that I made on the car. As soon as I was informed that this was not the case, I paid the outstanding {$79.00} to keep my account with XXXX XXXX up to date. Nonetheless, Experian decided to maintain their downgrade of my credit rating. 
This behavior by Experian is non-sensical and wrong. I hope that you will use your enforcement authority prevent such behavior from penalizing consumers in the future and restrict Experian from acting in this way. 
Please do not hesitate to contact me should you have any further questions or comments in this regard.

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 2022-09-11
Company: Stenger & Stenger, P.C
State: TN
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:
Company bought debt that was near 6 years old almost time barred and immediately filed suit instead without sending 1st letter of collections and allowing the 30 day validation period. They say last payment was XX/XX/XXXX and I have a court date of XX/XX/XXXX. Per your mandate they should have placed that this was time barred debt on the letter they did send me but that was mailed on XX/XX/XXXX. stenger and stenger is literally seeing me after 6 years in TN limit and has obviously violated the cfcb and fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Credit Karma, LLC
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I'm trying to file a complaint for the Credit Karma Credit Card Scam. I got a card from them a while back & they XXXX  me. Then they shut down their card services program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, Experian & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

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 2018-04-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had a salliemae loan that was transferred to Navient. I went to XXXX XXXX XXXX @ XXXX XXXX IL they changed the name of the school and the name of the lender so they can write more loans. I was a student in XX/XX/XXXX. They kicked me out of the program for random drug screening with XXXX  in my XXXX they changed my graduation plans and I fell mentally ill. I fell back on repayment and brought it current with {$900.00} payment and they offered me forbearance to keep it from falling behind again. When six months passed the loan came back {$3000.00} higher than before I paid {$900.00} they told me there is no charge for forbearance but there was and automatically knew this loan would not be affordable. I should have did my paperwork differently because I was actually unemployed when signing up but I wanted to seem professional but my uncle didnt hire me when I left XXXX XXXX calling me overqualified. So the whole application was based on a lie. I was XXXX when I signed it at XXXX and they wrecked my credit and they kicked me out. I didnt smoke at school and I didnt have money to eat yet they kicked me out and made me Retake XXXX XXXX even though I was on my last day and they charged me twice for that course too {$2000.00}. I passed the first time but gave me a 0 with 100 % attendance which dropped my gpa and wouldnt allow me to go to a XXXX school for paid internship which is why I signed up to begin with. She told me if I finish I could get {$18.00} per hour to go to that XXXX   after school. Just all lies fed to an XXXX year old. They make commissions and discredit our involvement.

Company response to consumer: Closed with explanation