BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a dispute letter addressed on XX/XX/XXXX, XXXX, as my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed as they are fraudulent. 

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 If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

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 2022-08-22
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-08-22
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge SANTANDER CONSUMER USA XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Affirm Holdings, Inc
State: TX
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:
On XX/XX/XXXX made purchase through XXXX proceeded to check out was asked if I wanted to be approved through affirm, I was approved and stated my account would be transferred to affirm. Next day my XXXX dollar purchase was with drawn from my own personal account through XXXX. I alerted affirm and XXXX! Affirm stated XXXX said purchase was accurate even after i provide transactions from my bank .I provide transaction numbers to both parties showing where it had been taken from my personal account.. I spoke to XXXX representative stated they saw where they had came from my account but could not contact affirm I needed to. Affirm will not cancel the loan because they stated they had sent funds to XXXX. They need to verify the account and neither party has every time i reach out and it has been disputed with the collection agency and they stated affirm confirmed account but did not provide record of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Jefferson Capital Systems LLC has been calling and harassing me about an alleged debt that I owe from XXXX. I asked about the original creditor and information regarding the alleged debt and asked for a debt validation letter with my wet signature stating that I have a binding contract making me indebted to Jefferson capital. And I asked them to send it to the address they have on file. Which Im sure they sent out a letter but the debt is in Texas And I do not live in Texas I live elsewhere and they are unable to send me the contract. They said the debt was for $ XXXX but are unabated to provide a contract between me and Jefferson Capital . They have also been calling me non stop and the representative even stated that they threatened to report it to the credit bureaus and damage my credit which they have and violated my right to privacy as well as XXXX selling off my personal information without written permission under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to file a complaint of conduct for the debt collection agency, Ability Recovery Services, for their inability to follow legal requirements of providing a Debt Validation Note and/or effective communication through phone call or in person about the debt under the current FDCPA policies. 

According to current FDCPA regulations, debt collection agencies are required to provide possible consumers in it's first line of communication with the following information : 1. The amount of debt.

2. The name of the current Creditor to whom the debt is currently owed to.

3. A statement unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

4. A statement that if the customer notifies the debt collector in writing within 30-day period that the debt, or any thereof is disputed, the debt collector will obtain verification of the debt or a copy of such judgment against the consumer and a copy of such verification or judgement be mailed to the consumer of the debt collector, and 5. A statement, upon the consumers written request within 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from current collector.

If the initial communication doesn't have this information the debt collector has 5 days to provide this information.

Under current provisions, this debt collector, Ability Recovery Services has failed to even provide any initial communication. I have no record of any phone calls, voicemails, in person notification, physical or digital mail for this agency about the debt that showcased on my Credit Report from the XXXX credit report agency. 

My first acknowledgement of this debt was through my credit report and my XXXX XXXX account under Derogatory marks. 

The total amount reported on my Credit Report for XXXX is {$1400.00}. The debt was reported on XX/XX/2022. 

According to current policies, they would need to have spoken to me in first initial contact, and then send a Debt Notice, and allow 14 business days after the notice is sent before reporting to any credit agency. I have no record of this.

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 2022-08-22
Company: EQUIFAX, INC.
State: FL
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 noticed hard inquiries on my credit report that weren't mine : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: AR
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  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER 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 2022-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX we had an mortgage audit done with a full disclosure.In this audit it appears that our mortgage had not followed the guidelines set up by TILA and the laws set up by the state of Georgia.We have sent out an Error Resolution & Information Request and " Qualified Written Request.There is strong opposition that our loan had issues from the inception of the loan.There was a 2 year in the process of our loan.We purchase the home on XX/XX/1996 yet it did not enter into the VA data base until XX/XX/XXXX, XXXXThis we believe is where the issues of lost payments began.Now we have discovered that the 13 banks involved in our transactions of funds all had an hidden agenda.see attachments which explains our concerns and discoveries that were blatantly ignored. 
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 explanation
Consumer complaint received 2022-08-22
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase bank ( XXXX, DE ) Offers a promotional loan at no interest for many months, with an upfront fee. These terms are clearly stated on the web page. So far this is acceptable. But what the bank fails to disclose UP FRONT is that once the loan is completed any further charges on the credit card incures interest immediately. Another way of stating this is the normal grace period until the next monthly statement is eliminated. This is fraud by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: MI
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 has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX  XXXX has violated my rights Account # XXXXXXXX XXXX XXXX has violated my rights Account # XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has XXXX my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account # XXXX DEPT OF ED / XXXX has violated my rights Account # XXXX US DEPT OF ED has violated my rights Account # XXXX XXXX / U.S. DEPT OF EDUC 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 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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the fair credit reporting act the following companies has violated my rights. There are inquires on my report, that I did not authorize. 

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. 

XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX Dept of XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2022-08-22
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX  XXXX account # starting with XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX  XXXX Bankruptcy Ref # XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never authorized this company to put fraudulent information on my credit report. 
XXXX XXXX XXXX XXXX  I was never notified, and I never signed document stating I will pay this debt, or this debt is mines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial Services Bought my mortgage. I make my payment through my bill pay. They receive my payment on time but do not process in a timely manner. They want to charge late fees that I do not owe I have seen hundreds of complaints about them. I can not understand why the government has not shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attached Identity Theft Report and Police Report Two crimes happened : Cyber criminals took my info from XXXX, XXXX XXXX Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) Convergent sent me a letter on XX/XX/XXXX to collect a debt that does not belong to me nor have I ever stayed at the address that is on the bill they sent me via bill. 
The letter states that are trying to collect a debt that is owed to XXXX  XXXX XXXX. 
Convergent Account XXXX XXXX  I sent a debt validation letter dated XX/XX/XXXX A notice to dispute this fraudulent debt 1. Send me a original documents with my ( signature ) listed on it 2. According to Fair Debt Collection Practices Act I requested evidence in support of this claim 3. Providing a copy of all paperwork that show I agreed to pay what they say I owe 4.Provide a a verification or copy of any judgment 5. Prove the Statue of Limitations has not expired on this account 6. Show me that you are licensed to collect in my state 7. Provide me with their license number and Registered Agent or Agent of Service at this time I will also inform you that if their offices have reported invalidation information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by this company or the company that they represent, I will not hesitated to being legal action against you for the following : 1. Violation of the Fair Debt Collection Practices Act 2. Defamation of Character If they continue to report inaccurate information they are in violation of section 809 ( b ) of the FDCPA and FCRA rule 611 and subject to a fine of XXXX  per violation which I intend to pursue Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA I requested written verification of the debt with my SIGNATURE on it and they sent me a copy of someone's bill ( see attached document )

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 2022-04-24
Company: Experian Information Solutions Inc.
State: AR
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:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2022-08-22
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is from an account shared which my ex had used my ssn without my permission. Obtained phones and lines of service resulting in a XXXX dollar debt. I furnished proof that she owned the debt via text messages, not only sent through XXXX  but to southwest credit systems located in texas. They also have posted the debt from years ago as new. It already was disputed successfully and removed from a credit collection agency named XXXX.

Company response to consumer: Closed with explanation