BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: MN
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:
Attached to this report is a Identity Theft Report from the Federal Trade Commission. The following accounts and credit inquiries listed on my Experian and XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX : XXXX, {$450.00}, XXXX XXXX XXXX  : XXXX, {$110.00}, XXXXXXXX XXXX XXXX XXXX XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 The information listed, which appears on my credit report does not relate to any transactions that I have ever made. Also under the Fair Credit Report Act section 604 15 U.S.C. 1681b ( 2 ) states ... Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances they need to show written instructions of the consumer to whom it relates. That right there alone is in violation of the FCRA 604 15 U.S.C. 1681b ( 2 ). I Never gave permissible purpose to even create a report for these fraudulent accounts below, they have to have my written intructions. I will need them to produce a contract in a affidavit form between me and the accounts showing that i granted them permission to furnish these reports in the first place. And if they had that permission I will need a senior executive to produce an affidavit to me. The affidavit also needs to be noterized by a senior executive showing that i granted them permission in the first place.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2015-07-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Worked with a Mortgage Broker for New Penn Financial to finance a home through FHA since XX/XX/XXXX. Received a pre-approval letter XX/XX/XXXX contingent on credit, income verification and proof of closing funds. Found a home and entered into contract XX/XX/XXXX with an extension to close on XX/XX/XXXX per Seller 's request. On XX/XX/XXXX, after being on three weeks of leave the Mortgage broker states HUD declined application because I was never qualified to begin with. Lost Escrow Down Payment because Mortgage Broker failed to furnish commitment letter/Loan Approval within 30 days of contract. Lost Home Inspection and Appraisal as I never would have paid for these contracts had I known I was not qualified. I was promoted XXXX officially XX/XX/XXXX which is less than one year requirement for income data. Per mortgage broker HUD stated they would have made a 6 month XXXX s ) exception therefore it was no surprise of my financial situation. I had everything on track to close even saving twice the closing cost only to find out I was never qualified. I sent a certified letter requesting reimbursement of money lost and have yet to receive acknowledgement of receipt of letter. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Asset Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
After I did not take their calls about a debt in collection Assets Recovery Solutions sent the following misleading text message on XX/XX/2023 at XXXXXXXX XXXX Central Time to try to get me to respond : Dear Beneficiaries of XXXX XXXX XXXX ( Late ), We have important information regarding unclaimed property associated with the estate. 

Property # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Description : Mature CD or Save Cert To claim the property, please contact XXXX XXXX XXXX XXXX. 

For assistance with assets recovery, you can also reach out to XXXX XXXX XXXX ( Director ) at XXXX or visit XXXX 

Thank you. 

XXXX XXXX Assets Recovery Solutions XXXX XXXX XXXX XXXX, New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JPMCB-CARD SERVICE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$720.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX items that are in collection on my credit report. I do not owe these debts as I had medicare at the time and I met my required deductable. {$140.00}. I was put into collection for a dr 's office and cardioloigist visit. To clairfy this they both are trying to collect a debt from me when I confirmed with medicare that they paid these bills. I should not be in collection as it is ruining my credit score and report. I keep getting letters from richard sokoloff ( atty ) that is trying to collect this debt. I wrote to the atty 's office as well and explained I spoke with medicare and it was confirmed that I met my annual deductable and they paid these XXXX accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BorrowersFirst, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I 'm currently working with a Debt Resoultion company to pay this loan. However, Borrowers First has now obtained the phone numbers of my family members harassing them for payment. These phone numbers were not issued to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from XXXX XXXX XXXX, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to AMCA, also known as Retrieval Masters ( according to XXXX ). In XXXX of XXXX I called AMCA at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX. In XXXX on XXXX I received another collections notice from AMCA and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from XXXX XXXX XXXX for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure XXXX refunds my husband 's XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Collins & Hilton Asset Group, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XX/XX/XXXX I was wrongfully foreclosed on and evicted from my home by XXXX mortgage. The loan was an XXXX and the primary was settled and XXXX attempted to collect on the second. XX/XX/XXXX, I was contacted by I believe the state who was conducting a class action lawsuit. I subsequently received XXXX insignificant settlement checks from this suit. In XX/XX/XXXX I was contacted by a collection agency attempting to collect on this debt. I explained the history and explained that given the circumstances, I had no intention of settling the debt. This issue continues to resurface and impact my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
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 act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: AXOS FINANCIAL, INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I contacted the account manager of axos bank on XX/XX/2022 via email XXXX XXXX XXXX I have followed his request via email address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: NE
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:
Experian did not remove the inaccurate information from my credit profile. they claim a proper investigation was was completed but how is that possible if the date of last active is inaccurate, date last reported, payment history and other inaccurate information is in correct. This is ground for removal. Accounts : XXXX # XXXX XXXX/XXXX # XXXX XXXX # XXXX XXXX  # XXXX 15 U.S. Code 1681 section 604 A section 2 The law Cleary states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681 section 611 ( 2 ) ( a ) The law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes 15 US Code 1681 section 611 ( 5 ) ( I ) ( ii ) The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2023-02-24
Company: EQUIFAX, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX ( XXXX XXXX XXXX ) Balance : {$1100.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$190.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$580.00} XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX ( XXXX XXXX XXXX XXXX  ) Balance : {$240.00} XXXX  XXXX ( XXXX XXXX XXXX ) Balance : {$530.00} EXPERIAN Collections : XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Balance : {$190.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX  ( XXXX XXXX  XXXX ) Balance : {$580.00} XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX  : XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXL ) Balance : {$320.00} XXXX XXXX XXXX IN ( XXXX XXXX XXXX ) Balance : {$51.00} XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$530.00}

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

TRANSUNION Collections : XXXX ( XXXX XXXX XXXX  ) Balance : {$1100.00} XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) Balance : {$460.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$190.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX  ( XXXX XXXX  XXXX ) Balance : {$580.00} XXXX  XXXX ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX ( XXXX XXXX XXXX XXXX ) Balance : {$240.00} XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$530.00} XXXX XXXX : XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$190.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$580.00} XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$320.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX  : XXXX XXXX ( XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$320.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$51.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX Balance : {$530.00}

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 2015-07-08
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XXXX XXXX, my employer, XXXX XXXX XXXX XXXX received a phone call by this number ( XXXX ) XXXX identifying themselves as Forster and Garbus in regards to a debt collection and informed an employee of the amount of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: MicroBilt / PRBC (formerly CL Verify)
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Microbilt- Re Inquiry I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.

Company response to consumer: Closed
Consumer complaint received 2016-08-13
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Fraud and misrepresentation on behalf of KeyBank ; KeyBank last year filed erroneously and egregiously against me a Notice of Election and Demand on XXXX/XXXX/XXXX. KeyBank on XXXX/XXXX/XXXX sent to me a letter of apology and admitting to its errors in refusing payments, charging of late fees, attorney 's fees, etc., etc. KeyBank accepted in a full and final payment made by me to KeyBank 's attorney of record of an agreed to sum on XXXX/XXXX/XXXX and which brought the loan current. 

Nevertheless that negligence on the part of KeyBank caused me XXXX, cost an inordinate amount of time to address, attorney 's fees, filing fees, derogatory reporting to credit agencies resulting in damage to my credit, etc., etc. This is now occurring again! KeyBank is threating a foreclosure action and acceleration of the loan. Further, there are now reflected substantial late fees and attorney 's fees which I have no intention of paying whatsoever. Again, KeyBank / a large bank is strong-arming a small borrower with a seasoned payment record for over 11 years! And notwithstanding that the negligent party is KeyBank! 

I am now beyond upset. I am not attempting to make further payments only to be refused and until such time that KeyBank straightens out their accounting of my account and provides me with statements that are 100 % accurate. I am also filing appropriate complaints with the appropriate agencies and discussing with my legal counsel formal actions against KeyBank.

Company response to consumer: Closed with monetary relief