BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. 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. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.

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 2023-06-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a 401k loan check iao {$1500.00} XX/XX/XXXX. 
I spoke with a supervisor XXXX on the XXXX that told me my funds would be available the next day. 
Funds were not available XX/XX/XXXX. 
I called and spoke with a rep XX/XX/XXXX that told me my funds are not available because the issuing bank says they are not available. 
I called the issuing bank and they said of course the funds are available as the funds are a loan against my 401k account. Which Im already paying back and dont have access to the funds. 
I got the loan to pay bills I knew were due at this time. Because my check is being held my water has been cut off. My internet has been cut off and XXXX XXXX XXXX XXXX. My car note is now late and my power will be cut off on the XXXX of XXXX. 
There is no reason my loan check from my 401 k account should be held up. Its not only my money but its my money Im already making payments back to myself on. This has ruined my eligibility with the connectivity program to get my internet at a discounted cost. I havent been able to bath and the worse of all I have not been able to work so Ill be in even more depth. 
My funds are available! My funds are good! There is no reason my 401k check should be held up. I could have had the check cashing store cash my check immediately but I trusted chase. But now youve ruined my life. Please release my funds. At the very least create a new process for a 401k check. Its my money 3x over. Your reps should have not lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Kikoff Inc.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " KIKOFF LENDING LLC, XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX https : //www.justice.govXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NY
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 was alerted by XXXX XXXX and notified by Experian, XXXX and XXXX XXXX that there seemed to be a discrepancy in my credit report, so I printed it out. I recently had fraud on my banking checking and savings accounts, had to close them and open new numbers for these accounts. I became very concerned about this alert from XXXX XXXX and the credit bureaus. 

I found that a " XXXX XXXX '' was on my report. I have no idea what this is, for it does not belong on my report. 

The other legitimate accounts on my report my wife and I do recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Trinity Hope Associates recently reported two medical collections on my credit report. Prior to the collection agency reporting the accounts ( which were paid by insurance ), I never received a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, XXXX XXXX XXXX performed my XXXX XXXXXXXX. Prior to the XXXX, I had changed my insurance provider from XXXX to XXXX and had informed XXXX XXXX XXXX about this change, and provided the new insurance card ( have proof via email screenshots ) Unfortunately, their office failed to get pre-approval from XXXX before the XXXX, and XXXX refuses to fulfill the XXXX claim till today. Last year, I had also reached my out-of-pocket max through multiple co-pays, XXXX XXXX, XXXX facility fees, and XXXX XXXX. 

As of XX/XX/XXXX. XXXX XXXX office officially sent the XXXX bill to collections, and I have disputed the claim. XXXX is also trying to get in touch with XXXX XXXX office since this violates their contract agreement since XXXX XXXX was an in-network provider.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Resurgent Capital Services L.P.
State: TX
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 experienced difficulties with a specific debt collector Resurgent Capital Services L.P. concerning the collection of a debt allegedly owed by me. I firmly believe that the practices employed by this debt collector are questionable and possibly in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. 

Outlined below are the specific concerns I have encountered during the debt collection process : Harassment and abusive communication : The debt collector has engaged in relentless and persistent communication, including frequent phone calls, despite my request for communication to be conducted in writing. The nature of these calls has been harassing and intimidating, often involving threats and abusive language. 

Lack of validation of debt : Despite my repeated requests for documentation validating the debt and proving their authority to collect, the debt collector has failed to provide adequate verification. I am concerned about the accuracy and legitimacy of the debt in question. 

Unfair and deceptive practices : The debt collector has resorted to misleading and deceptive tactics in an attempt to collect the debt. This includes making false statements, misrepresenting the consequences of non-payment, and failing to disclose pertinent information, such as the debt 's origin or applicable statute of limitations. 

Violation of consumer rights : The debt collector has neglected to adhere to the provisions of the FDCPA, such as failing to provide required notices or refusing to cease communication upon request. These actions have infringed upon my rights as a consumer and caused undue distress. 

I have diligently attempted to address these concerns with the debt collector directly, but their behavior persists. Given the gravity of the situation, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify these violations. I believe it is crucial to hold debt collectors accountable for their actions and ensure that consumers are treated fairly and with respect. 

Enclosed with this letter, you will find copies of all relevant correspondence and documentation, including communication logs and any written requests I have made to the debt collector. I hope that this information will aid in your investigation and provide a comprehensive understanding of the situation. 

I appreciate your attention to this matter and anticipate a swift and thorough response. Please keep me informed of any developments or actions taken in response to my complaint. Thank you for your dedication to consumer protection and for your commitment to upholding fair debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Around 10 years ago I became deliquescent on multiple credit card accounts. So of course they appeared on my credit report. 
Fast forward to 2020, now when I checked my credit report ( all three ) there is no record of any of the delinquent accounts. I have paid 3 of them off and there is no record. 
I am making a compliant about Experian, I have contacted this company multiple time trying to correct the information that they have on my report. I have tried to contact them on the phone but I can't seem to get a hold of a live agent. 
I have sent them my dispute information and documentation to prove who I am and the correct information. All they keep doing is sending me the same report back. 
I informed them that they have very old information about me. They have incorrect information about me ( address, spouse name, social security number, and miss information. ) I still have not been contacted nor have they corrected this information. I have been trying now for 2 years to resolve this issue and I still can't seem to get a hold of them. 
I was involved in a data breach with XXXX and XXXX has no information about any of my credit card debt or my hard work in paying them off. This is important because it affects my credit score. I even received correspondence from Experian saying that I no longer have a credit score. I am so very confused with all of this. And it is a very big issues since most companies and employers rely on the 3 credit bureaus for information. I don't know what to do.

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 2023-06-01
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the company is reporting a collection that is negatively affecting my credit I do not owe the debt also they are not licensed to operate in the state of Delaware

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/ I have been working with a hud certified housing counselor community partners for affordable housing and Illinois assistance fund applicant # During this process we have made numerous attempts to have Phh mortgage respond to said paper work that was sent to them with the attempt to resolve the shortage of mortgage payments through via government grant. IHDA has made numerous attempts as well as home owner, housing counselor and we keep getting either no response or that IHDA is not sending proper documents or they as in PHH mortgage is waiting for IHDA to respond. XX/XX/ had a zoom meeting with judge, mortgage counselor and Phh mortgage lawyer to close the case and resolve the shortage Phh sent a temporary loan mod of {$1300.00} per month for 3 months with no loan modification XXXX explained that we were waiting for IHDA to determine if I will recieve the grant and that the temporary loan modification was not affordable. IHDA has been requesting A payoff document as to determine the amount that they will need to send PHH mortgage to make mortgage current. 
AS of XX/XX/ PHH has yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Affirm Holdings, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a account in my name> I notified the company that i have never had a account with them. I was also protected through Covid protection with my real creditorsas they would have also had to follow the Covid guidelines & nothing was to be reported to my credit. But this company reported ( 5 ) accounts that are not even mine. I have never received any letters or call. I don't have a contract with Affirm or any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a debt on my credit with Caine & Weiner I do not have a contract with them for any debt this is a fraudulent account. I have never heard of this company. U also do not have a account with XXXX or contract. All of my bill where also protected through Covid protection. This company is reporting I owe them a balance of {$270.00} open XX/XX/2022 I have never opened an account with Caine & Weiner. I disputed this with the credit reporting agencies & they verified this account as correct as if i had a contract with them. & left this n my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: GA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2023-06-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$400000.00} by check into an account at Marcus by Goldman Sachs. They took two weeks to clear the check even though the check cleared the originating bank in one day. Then, I was not allowed to withdraw funds. It's two weeks later, and I still can't access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
tryed to contact to let them know this is not my bill i will say again i have not had a hospital bills in over 12 years this is not my hospital bill if they cant show me my name that i sign with my hands this is not my bill i have been fighting about the credit bureau with wrong name addresses and phones numbersi just got all my stuff straight so please stop lying saying i have a bill when i dont

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-06-02
Company: VW Credit
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I am writing to object to the transfer of my vehicle 's title, a XXXX, XXXX XXXX, color : silver VIN # XXXX, from my name to another individual or entity. 

Rights as the consumer/ applicant as stated in FDIC rules and regulations, that I extend my credit to the XXXX XXXX and they violated my right under the Bill of Exchange ACT, TILA, and Sherman ACT. 15 USC 1692 ( f ), 15 USC 6802 ( b ) Identity Theft, Theft, was done by and forwarded my info to XXXX XXXX XXXX XXXX XXXX XXXX  Ga XXXX which they stole my property On XX/XX/XXXX As the owner of the vehicle, I entered into a contract with XXXX located at XXXX XXXX XXXX, XXXX XXXX, Ga XXXX on XX/XX/XXXX. However, I would like to remind you that I never consented to take my collateral/car. Furthermore, you never gave me full disclosure of my contract and you never gave true value and consideration when I signed my note. 

The contract specifically states that I am the legal owner of the vehicle and that the title is in my name. Additionally, I would like to remind you that a UCC lien creditor interest does not supersede an ownership interest. Therefore, any attempt to transfer the title without my explicit consent would be a violation of my legal rights and could result in legal action. 

I strongly object to any transfer of title that does not involve my explicit consent. I request that you take immediate action to ensure that the title is not transferred without my consent and that my vehicle is returned to my possession within the next 10 days. Failure to do so will result in legal action. 

Please keep me informed of any developments regarding this matter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation