BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Harvard Collections, LLC
State: IL
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HARVARD COLLECTION SERVICE for committing identity theft. I have never given HARVARD COLLECTION SERVICE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from HARVARD COLLECTION SERVICE before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HARVARD COLLECTION SERVICE can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HARVARD COLLECTION SERVICE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HARVARD COLLECTION SERVICE continues its collection efforts, I will file for litigation for actual damages caused and HARVARD COLLECTION SERVICE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Account information incorrect

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2017-07-02
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
inaccurate dates keep refreshing and gaining interest the company JEFFERSON CAPITAL SYSTEM.  illegal refreshing tactic not accurate with the 7 year statue. also in the CFPB forums is the same common tactic used and complaint filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
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 would like ( CREDITREPOTING AGENCY NAME HERE ) to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX  they have caused me and my family.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX the natural person continue to be a victim of fraud upon the US DEPT. OF EDUCATIONXXXX, XXXX XXXX OK unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US DEPT XXXX OF EDUCATIONXXXX, XXXX XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, US DEPT. OF EDUCATIONXXXX, XXXX XXXX XXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX.US DEPT . OF EDUCATIONXXXX, XXXX XXXX XXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. US DEPT. OF EDUCATION/XXXX, XXXX XXXX XXXX Is an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
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: Their investigation did not fix an error on your report

Complaint:
I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information

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 2021-06-14
Company: Innovative Funding Services, L.L.C.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for a car long via XXXX XXXX. XXXX XXXX, on behalf of Trsel, forwarded a loan for the full amount that I was asking saying I was approved. When I went to their site to finalize the loan, the ran my credit and approved me for {$5000.00}. I feel if they were going to approve me for {$5000.00} they should have never lied and said I was accepted for my auto loan of {$36000.00}. I tried to resolve this with Rersl directly and they claimed that lending tree was not their company. I let them know I never claimed that to be the case but they did get all my information from lending tree so they should not have taken that information if they were not associated with lending tree at all. I just feel they lied. The offered me exactly what I wanted and then when I went to collect that, they switched it to a much lower number that was only a fraction of the original amount. To me it is a classic bait and switch.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$6800.00} XXXX {$7700.00} XXXX {$1000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX -- Balance {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX OF XXXX {$0.00}

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 2021-06-14
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Services sent a letter back in XX/XX/XXXX about a modification. Which I already did one with the previous mortgage co. back around XXXX '. Called them on XX/XX/XXXX spoke with a customer service rep. and she hung up. I called back and got another rep. which the male answered then hung up. I then called on XX/XX/XXXX an spoke with a male rep. explained didn't owe no {$18000.00}. that would be about 2 years of back payments. Which I only been with Specialized Loan Services for about 2 - 2 1/2 years. 
Also, stated why were my payments not posted correctly. Which would go done as credit then as a negative showing no payment received. The male rep. stated was posted to account and that now balance was down to {$15000.00}. past due. In which I stated again was incorrect balance past due. Plus, I also stated that had already did a modification with previous mortgage company. Then the male rep. advised that I wouldn't be able to apply for a modification, due to lack of being on unemployment. I know that Specialized Loan Services ( SLS ) has only been in business since about XXXX '. Also, they have had Class Action Lawsuits against them in other states.

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 2021-12-03
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was onXX/XX/XXXX. And now we are in the month ofXX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: MT
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX Bank from 2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years.

Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with Transunion, XX/XX/XXXXand XX/XX/XXXXbut they did not remove it. ( i believe XX/XX/XXXX first removed it but then it reappeared on my credit report. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for and received Income-Based Repayment ( IBR ) for my student loan. Navient sent me the letter of notice of approval  for IBR  on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   1  ). Navient then sent me a bill for my new IBR on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   2  ). I paid this bill and a couple of months in advance on  XXXX   XXXX ,   XXXX   ( see Exhibit  XXXX   XXXX   3 ).    XXXX  On  XXXX   XXXX ,    2017  Navient sent me a bill for repayment of my student loan with out IBR and a bill that was due four ( 4 ) da ys earlier on  XXXX   XXXX ,    2017 ( see Exhibit   XXXX      XXXX    4 )  .   XXXX  I also submitted a remittance slip with the correct amount due to get the payment correctly allocated as per the criminal defendants  Navients  own instructions. The remittance slip is now in the possession of the criminal defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I applied on a XXXX website, XXXX, and the parents said that they were relocating from California to XXXX. They sent me a check of {$1900.00} and said that they want me to get two {$500.00} and one {$300.00} gift cards from XXXX. The money had already came to my bank account so I thought that the check was legit. I got the gift cards but then they said that they are running low on funds as the realtor needs more money to furnish the apartment so they wanted me to use the {$400.00} which is suppose to be my weekly payment as well as {$100.00} from groceries to get another gift card of {$500.00}. I got the gift card but didnt give it because I was suspicious. The next day my bank account balance was $ XXXX. I filed a police report and talked with the fraud department at Bank of America but they said they cant do anything since I made the purchase. I was able to get a refund on the last card that I didnt give.

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 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I WAS LOOKING ONLINE FOR A WAY TO BOOST MY CREDIT SCORE AN RAN ACROSS 2 COMPANIES THAT OFFERED TO REPORT TO THE CREDIT BUREAUS ALL 3 AND THEY GUARANTEED A IMMEDIATE REPORTING TO THE CREDIT BUREAUS. BUT I HAD TO PAY A FEE EVERY MONTH THEY REPORT. THESE COMPANIES ARE XXXX XXXX -- -- -- REPORT AS XXXX XXXX XXXX XXXX =========REPORT AS XXXX XXXX PLEASE XXXX XXXX XXXX, AND XXXX XXXX THEY ARE SCAMMERS!!!! ! !!! I ASKED THEM TO STOP DEBITING MY ACCOUNT AFTER I HAD ESTABLISHED CREDIT OF MY OWN. AND THEY CONTINUED TO DEBIT MY ACCOUNT. THEY DO NOT OFFER ANY PRODUCTS ONLY TO REPORT TO THE CREDIT BUREAU. SO THERE FORE I ASKING THAT ALO 3 CREDIT BUREAUS REMOVE THESE 2 ACCOUNTS FROM MY CREDIT REPORT OR PROVIDE ME PROOF OF PRODUCTS ORDERED AND A PAY HISTORY .I HAVE BEEN PAYING THESE COMPANIES JUST TO REPORT TO THE BUREAUS TO INCREASE MY CREDIT SCORE. PLEASE REMOVE

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 2017-11-13
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: Their investigation did not fix an error on your report

Complaint:
I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information

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 2022-04-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/22 I received a letter from Wells Fargo indicating they were closing my account because it was either compromised or impacted by potential identity theft. I have NEVER opened an account with Wells Fargo. 
XX/XX/22 I received a postcard from Wells Fargo stating " unable to email you about your online statements. Please sign onto wellsfargo.com from your computer to view your statements '' I have tried to reach a representative of Wells Fargo at XXXX ( phone number provided in letter ) to discuss this fraudulent account. On hold for over 30 minutes each time without talking to a human being.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Wrong Addresses : 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 2020-12-23
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called Phoenix Financial numerous times to get this off my credit. It was paid on XX/XX/2020. They say they will report as paid off but yet its still there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation