BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXXXXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a loan modification with my lender Bayview. I have since then have been approved for a loan modification. I have made my trial payments on time and have followed all of their instructions. I was sent my final loan modification documents on XXXX XXXX. Since then I have signed and sent the notarized documents back to the lender THREE times, keeping in mind to send it with the return envelope THEY provided for the return. I was recently sent a 3rd packet exactly the same as the previous XXXX to be signed again. I spoke to the lender and the representative told me it was normal for that to happen and to resign and send back. I did just that. Now today I followed up with the lender to confirm they received the fed ex and was informed that my loan modification was in the processes of being denied for failure to return the signed agreement on time. Which is ridiculous since I did so THREE TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-27
Company: EQUIFAX, INC.
State: GA
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'm a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES AS IDENTIFIED AS INQUIRES THAT WAS PLACED AND REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO DEAL WITH THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INACCURATE ACCOUNTS AND INQUIRES HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

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 2022-07-27
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:
I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 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 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 2016-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a complaint against the Bureau of Equifax, specifically the department of fraud and the technical department. For the following reasons, I am victim of identity theft since XX/XX/XXXX, but this year has been the worst year because there has shown up XXXX accounts that do n't belong to me, that have been opened with fraud and without my permission and also inquiries. Last year the problem was solved after many complaints through here, I sent my police report and affidavit, even though, because this department of fraud is the worst of this country, the communication is horrible and inefficient, they do to your credit report as if it was a joke, even though they have the police report, the affidavit, and all the documents and evidence to show the identity theft. In these last three months, i have sent through fax and certified mail, the new updated police report, where it shows all the fraud accounts in my credit report. And also I call almost every single day to this department and all they do is make fun of me and mistreat me and they are as lying that they have n't receive any police reports when I have the confirmation that the fax was received that I have sent. And also the certified mail was received in XX/XX/2016. This department of fraud is so flawed and inefficient that what they do is pass me from person to person like if I was a ball. According to the manager, they told me I was going to receive calls to solve the case and I have received none. And I still call and they keep making fun of me and do n't take notice of my problem with identity theft in XX/XX/XXXX and XX/XX/XXXX. What type of department of fraud is this that does n't work and go against the federal law of Just Credit when they have the support and evidence of a police report, this law states that when a person is victim of identity theft, that the agency of credit should delete all the fraud accounts in the credit report. For this reason Im making this complaint against Equifax because the technical department even me being a premier member I have to do my disputes online, they should copy the good methods of experian and transunion. These XXXX agencies have already solved my case and are serious people who do their job. I do n't understand how the commerce of this country can go through with Equifax when this department does n't even work. I am going attach the updated police report with my identification to show how this agency makes fun of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TD BANK US HOLDING COMPANY
State: MT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 I filed a complaint with CFPB regarding the violation of the FDCPA conducted by TD Auto Finance ( XXXX Complaint # XXXX ). Starting approximately 2 weeks ago TD Auto Finance has AGAIN started calling me by masking their phone # and even worse calling me at work on or about XX/XX/2019 & XX/XX/2019. Both days they called me at work I was off and they spoke to my Boss inquiring where I was and that it was imperative that I call them. 

My initial complaint with CFPB was addressed by TD Auto Finance representative XXXX XXXX ( XXXX ) XXXX. She reached out to me by calling me and assured me that TD Auto Finance will stop trying to contact me. I advised her that I'm formally advising TD Auto Finance to " CEASE & DESIST from ever contacting me by personal phone and especially at my work phone. Note : Since I obtained my auto loan with TD Auto Finance I HAVE NEVER been 30 + days late and my loan has always been in good standing & never placed in default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12
Company: AMERICAN INTERNET MORTGAGE
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a loan with AIM since 2010, I have been paying twice a month all along. Well I am getting documents together for the sale of this property, and I find out that AIM has been keeping my first monthly payment in a non-interest bearing account until the second payment comes in and applying it all at once. I received absolutely NO benefit from paying twice a month like I expected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: JPMORGAN CHASE & CO.
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$200.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: Strategic Alliances, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Well this happened in XXXX XXXX 2016 and i was working and my boss needed me to get some materials so i took the work truck. On my way to work i accently rear ended a lady, nothing too bad just a back bumper and the left taillight were damaged from what i could see. I contacted my boss and he spoke with the lady saying he would take care of it and he would pay for the repairs. So thats exactly what happened like XXXX 3 weeks later he told me he payed XXXX for the repairs and stuff and she took her car and left. She didnt contact him anymore or anything and when i went to court a month later she wasnt there either. I payed my court fees and that was the end of that .well i thought so until i receice a letter from XXXX stating that i crashed XXXX of their customers on XXXX XXXX 2016 when it was on XXXX XXXX 2016 and it stated that i owed an amount of {$4300.00} for crashing her and to add my insurance agency details i added my boss 's insurance company instead since i feel it was his vehicle that wasnt insured i dont get why my insurance agency needs to be contacted.so i sent the letter and like 3 weeks later i get a letter from collection saying i still owe those {$4300.00}. Im really confused and kinda mad as to why i need to pay this debt when first of all my boss payed her costs and why am i bearly getting this when this happened 5 months ago. I kind of think she 's trying to get money out of this situation since im guessing she didnt report it at the crash scene. Whatever the case is i shouldnt be paying all this money i feel that this debt should n't exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: AMERICAN INTERNET MORTGAGE
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested an escrow waiver agreement from my mortgage provider and learned there would be a {$510.00} fee attached if I no longer wanted them to collect the monthly escrow fee. When I questioned XXXX XXXX at Aimloan ( XXXX ) I was told this is standard procedure. Is this truly the case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting harassing phone calls on my cell phone from Dynamics Recovery Solutions. I do not owe any debt yet they keep calling me despite being told that I am not the person they are trying to contact!!. Now they are even calling my cell phone!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: Green Square Company LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received an automated message on my direct line at work, which referenced my debt, failure to honor a payment arrangement, and a threat of legal action if I failed to respond. This phone line is forwarded to a co-worker when I 'm away from my desk, at lunch, or off for the day. Anyone who happened to answer the call, would have heard this information about my personal debt, which could be detrimental to my reputation at work, and my chances to promote.

Company response to consumer: Closed
Consumer complaint received 2016-08-02
Company: Southern Credit Adjusters, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was XXXX when this all took place so this should n't have went against my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Dyck-O'Neal, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX the XXXX, 2019 I contacted this company to see what was the debt, and how much the amount actually was. Since I never received correspondence about this debt, the debt just popped up on my credit report with two separate accounts with two different amounts. At the time of the conversation I asked the rep if I paid would they delete this account from my credit report and they said they would, after payment was processed they did not follow-up on their agreement with deleting this account. As well they are still reporting this account as 120 days late w/over 10 late payments. They are not the original creditor, and bought the accounts from XXXX XXXX, XXXX. With amounts of {$110.00}, and {$240.00}. These accounts were paid by me in full amount to XXXX XXXX XXXX XXXX, XXXX My other process after trying to rectify this with the creditor, they still didn't comply and I put in a XXXX complaint. During that complaint the creditor tried to again deny any agreement made with them at the original time of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX  is unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX  has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 15 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Violation of The GLBA ( Gramm-Leach-Bliley Act )

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