BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2021-09-08
Company: Santander Consumer USA Holdings Inc.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over thirty days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: The LGM Co., Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LGM has repeatedly threatened legal action, and harassed us and our family members for payment of a vehicle that we have asked them to pick up for years. This vehicle was illegally approved for us as we had just filed bankruptcy when the car was purchased. We were talked into this by a reputable car dealer and only after we signed papers did we realize that we didnt buy the car from the dealer but from a third party car place. 

We have lived in the same home since XXXX and have never received any mail from them whatsoever. They claim they have sued us for the vehicle and say we are committing a crime. We have told them the vehicle is at our home and please take it. It hasnt moved from our address since we moved to this area. The car was eventually picked up and just now they are reporting to the credit bureau that we owe more than the car was purchased for. We have been denied a home because this showed on the report. And due to covid we need to relocate our family as we only have one income now. We have been given until XX/XX/XXXX to move and cant be approved because this has just now been added to our credit report. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from 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 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sold a car, deposited the check via mobile deposit on XXXX, the check was for {$900.00}. The check was held til XX/XX/23. 

The check has cleared but capital one has frozen my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Hi there, My complaint is about Square ( the payment processing platform ). My college roommate and I started a XXXX XXXX about 5 months ago and we have done everything completely by the books. We have all of the proper licensing and insurance. We opened a square account on or around XX/XX/23. Square allowed us to set up an account and start receiving payments. We then got an email on XX/XX/23 that our account had been permanently deactivated. When we called support, they said they could not provide any reasoning and that they are holding our funds for 120 days. They also stated that we could set up a new account with a new email to fix the " problem '' that they could not disclose. So, we set up a new account, and again started taking payments. Our second account was set up on XX/XX/23. We then got an email today XX/XX/23 stating that our account has been permanently deactivated and that the {$1000.00} + dollars in payments that we received are being held for 120 days. As a small business this is devastating to our cash flow. Not only did they mislead us by saying we could create a new account to fix any issues, they allowed us to receive payments in both accounts BEFORE telling us that our account is deactivated. I called once again to find out why our account had been deactivated, and, once again, they stated that they could not give me any reason. So now, our business will suffer financially while they accrue interest on our hard earned money. Why do they have to hold our money for so long? Why do they not offer a reason? A simple search on XXXX or XXXX will lead you to find thousands of cases just like mine where square has shut down a small business account and withheld their funds without reason. Many of these businesses end up going bankrupt because of this predatory practice. PLEASE help put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX   XXXX   XXXX  has been trying to collect from me on an old windsteam bill from   XXXX  . I have continually disputed this account but it keeps popping up on my credit report. I have spoken to them and all they tell me is to make a payment to which I have repeated stated " this is not my bill '' but they refuse to stop reporting it on my credit report. I do n't know what else to do. I feel that they are abusing the fair debt collection practices act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collectors from TRS recovery calls you without identifying they are from debt collector. They identify themselves by their name and ask you to confirm your name. Once you confirm your name, they ask you to confirm your address. I refused. They said its to discuss an account with TelCheck. I told i do not know any account, i do not know them. They keep talking without disclosing they are from debt collector. I guessed it, because i previously received a letter from them. I think the communication tactics done by TRS recovery is illegal. At no point in the call, they said they were a debt collector. They are trying to trick people without telling they are a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
HARD INQUIRIES ON TRANSUNION ACCOUNT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR CREDIT

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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. Child support is reported with 3 late payments which is impossible as it is taken right out of my check. The child support is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. Child support should be effecting my credit bureau like it is. I trust u understand. Thank you

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 2023-06-29
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was victim to online theft by someone that was convicted by the US Department of Justice for the charge off on my credit report to serve 10 years in prison. The amount is {$15000.00} from XX/XX/2019. I have supporting documents if needed of conviction.

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 2023-02-22
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:
Recently I did an investigation on my credit report which caused anxiety beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have requested investigations into these accounts on the following days only to have them still remain on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-12-20
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Leased Ended with XXXX XXXX XXXX in XX/XX/2021 with XXXX XXXX XXXX  in XXXX XXXX, LA. I paid all debts and received final invoice showing XXXX balance. I do not owe any further debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: IN
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:
The credit bureaus are in violation of the FCRA laws due to the disregard of the FCRA laws. I sent a dispute dated XX/XX/2022 requesting them to verify the account by providing documentation of an original contractual agreement from creditor bearing my signature and provide me with the method of verification if the account in question is verified after the investigation is complete or delete the account immediately if they are unable to verify. They then had 5 business days to notify me of the results or that they are still investigating. After 30 days went by I sent a demand & comply letter dated XX/XX/2022 for them to remove the account immediately due to not verifying the account in a timely manner and not providing me with the method of verification. This account has never been verified nor validated per the previous request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: PA
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:
After checking my credit report I found out a few accounts which ate not mine.I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2020-10-21
Company: TD BANK US HOLDING COMPANY
State: NY
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:
I was checking my XXXX credit report last XX/XX/XXXX and found two Hard inquiries from TD Bank dated XX/XX/XXXX, XX/XX/XXXX respectively without applying or even getting in touch with them .Called XXXX to ask why they told me to call TD Bank , which I did on XX/XX/XXXX XXXX at XXXX, spoke to supervisor XXXX about the two hard inquiries which she assured me that someone will come back to me within 3 Days ( no body did ). On XX/XX/XXXX at XXXX called TD Bank, spoke to XXXX about the two hard inquiries and I tried to tell him there is a difference between hard inquiries and sharing information or reporting to credit agency, his answer was that TD Bank has the right to do so without even letting me know according to the customer agreement, so I asked for the agreement. TD Bank sent me the agreement which clearly shows they should not had made Hard inquiries. 
Today XX/XX/XXXX I found out that TD Bank had made a THIRD HARD INQUIRY with XXXX.I called TD Bank XXXX at XXXX and closed the credit card account and it was confirmed because at is at XXXX balance to end that saga. 
Now I have three hard inquiries from TD Bank for no reason and it is affecting my credit report for no reason. Please help me .THAN YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is in violation of CA Homeowner Bill of Rights, in violation of CA regulations governing real estate, acting in bad faith regarding real estate and illegally attempting to grossly inflate a property for the purposes of attempting to foreclose on my home. At issue is a short sale request that has been submitted. SPS is demanding a full payoff which can not happen in a short sale so that is a violation of CA Homeowner Bill of Rights which requires lenders and servicers to work with  homeowners to avoid foreclosure. 

Second, SPS is attempting to use an outdated broker price opinion which is a violation of CA regulations regarding evaluating properties that state those types of reports are only good for 90 days. 

Thirdly, SPS is completely disregarding comps that show properties that are completely move-in ready being valued at the price they say my property is worth. It's not. My property has significant damage and in disrepair, as evidenced by docs attached. 

SPS is acting illegally, stop them from breaking the law. Stop them from illegally inflating property values to act as a foreclosure mill. Stop them from taking advantage of people during a worldwide pandemic and setting foreclosure sale date during foreclosure moratoriums. ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello back in XX/XX/2021 i had XXXX internet, there internet was week so i called and told one of the representatives that the signal kept going out so i decided to leave XXXX  internet so i paid XXXX internet {$120.00} dollars and XXXX and i told the representative to cacel my service i was going to another internet provider .this was XX/XX/2021 i had settled my bill with XXXX  XXXX. Idon, t know why they are trying to get money from me that i don, t owe i disputed this clain before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: TN
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00}

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 explanation
Consumer complaint received 2021-09-08
Company: Ocwen Financial Corporation
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
PHH Mort Svc XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX  XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I continued to receive collections letter due to a XXXX XXXX XXXX computer error. The claim was due to a computer error on the part of XXXX XXXX XXXX or possibly fraud ( I dont know ). About 3 years ago, I spoke to an XXXX XXXX XXXX consultant and I was told that this was resolved and indeed it was a computer error that occurred ( I switched carrier from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX continued to charge me after the switch ). I received collections letters ( numerous letters ). I am shocked to receive yet another collections letter re the same XXXX XXXX XXXX. Each time I call XXXX XXXX XXXX  it's a time wasting exercise of talking to a ROBO voice person and spending no less than XXXX minutes to speak to a live person and then after that, XXXX to XXXX minutes to find me and the account. I have done this enough times to be extremely frustrated. I experience long wait time, cumbersome questions, often re-telling the story in entirety and speaking with someone who is not able to correct the problem. I am at my wits end. I don't know how to end the harassment letters from collections agencies. Out of principle, I don't want to pay for something which I don't owe. I ended yet another call with an XXXX XXXX XXXX representative who was dropped my call as he was trying to forward me to another department.

Company response to consumer: Closed with explanation