BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company appears on my XXXX XXXX XXXX credit report, I have reached out to this company numerous of times asking for validation and orginal documents stating ThatnI owe their company any debt, they have failed to summit any documents that say I owe them this debt, also other collection agencies are collecting on this same debt, so I need documents from the original creditor that this company is allowed to collect on this same debt that shows up on my report from other collection agencies

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been contacted multiple times by a collection agency that goes by Commonwealth Financial. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I got {$10.00} direct deposit from XXXX XXXX which paid me {$200.00} promotion so that can be seen as employer direct deposit meeting employment direct deposit requirements I got a XXXX deposit, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX cent, XXXX deposit deposit, so I should get Chase XXXX direct deposit you offered Please give me the XXXX deposit Chase promised Chase is doing source of income discrimination Privacy violated-Privacy Act of 1974-Chase using bank accounts to keep track of employers and paychecks Bundling violation of monopoly law-give bank accounts and direct deposit requirement thank you very much, XXXX XXXX XXXX BA, BS XXXX AA XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address

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 2022-01-21
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: Account status incorrect

Complaint:
The loan with XXXX XXXX XXXX was included in a chapter XXXX bankruptcy. In XXXX XXXX was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that XXXX XXXX XXXX had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called XXXX XXXX XXXX, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX point decrease in my Equifax and a XXXX point in my XXXX. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. 
I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them and I have heard nothing from them since. 
I am well within my rights as a federally protected consumer and Discover is violating my consumer rights under Title 15 Chapter 41

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax XXXX XXXXXXXX XXXX  I REQUEST that you EQUIFAX VALIDATE { not verify } this account XXXX XXXX XXXX  XXXX you supplied on your consumer report PLEASE enclose the following { 1 } Who you Spoke to, what was said in { all detail both parties associates you spoke to what was said by both parties their contact information the time date you contacted these people any co-workers you may have contacted and talked to both side of conversation, the original owner contact information and address you Equifax verified this account on your credit report you sent me. verified means make sure or demonstrate that { something is true or justified LAW swear to or support { a statement by affidavit } VALIDATION MEANING the action of checking or proving the validity or accuracy of something CFPB I have the right to this information past due on this account is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2019-11-20
Company: Experian Information Solutions Inc.
State: MN
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:
There is a inquiry on my credit report that I don't have an account with, nor authorized to pull my credit file, as I do have a fraud alert on my Experian file. I did not authorize this inquiry. The inquiry is by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Contact : XXXX XXXX XXXX XXXX '' dated XX/XX/2019.

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 2022-08-04
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I mailed you a letter disputing 3 accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-01-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a debt of {$200.00} on my credit report recently which is not my legal responsibility to pay. I will go over the whole story below. 

I was in a lease agreement with an apartment complex ; XXXX XXXX XXXX, they charged me {$200.00} for a security deposit which in the lease, say that " After you move out, well return your security deposit, less lawful deductions. ". This is all in the lease which I also attached. I never receive the deposit back, in fact I never receive any answer or clarification to any of my questions after I move out. So naturally I assume the deposit is to be included in the move out bill. 

After the move out process, I was sent a bill of {$1000.00} including the breakdown of each item. This does not include the security deposit mentioned in the lease, so I tried contacting them so many times, but no one answer my questions. Eventually, I decided to pay the amount {$1000.00} - {$200.00} = {$820.00} and basically told them that's all I owed them. Still, no one answer me. 

Time passes, and now there is a {$200.00} debt shows on my credit report. It seems they reported it to debt collector as debt even though I receive no clarification whatsoever from renew parc shore and I never receive any written document whatsoever about the bill before it hit my credit report. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
received a phone call from a XXXX XXXX telling me that he is with my mortgage company, Bayview Financing. he asked for my s.s. number or loan number. i gave my loan number. he was able to pull up my loan information. he then said that today is the deadline for a loan modification. he offer to lower my payments about XXXX %. BUT, he needed the first of 3 trial payments TODAY. I asked for an email from Bayview reviewing these terms. after initially agreeing to do so, he then exclaimed that i was on a no email list. This is when i knew it was a scam. when i asked for more of his information, he hung up. the call came from XXXX his voice mail left his direct line of XXXX which is the line i called and he answered. losing your home is traumatic enough without these people making it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: IL
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 been attempting to get information on my report that is reporting inaccurately removed. I have sent several letters to the collections agencies and credit bureaus in this attempt. The information has not been verified, and have not received proper responses back. I have sent letter back in XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. Just looking to get several items correct. I have called as well. Call back in XXXX and XX/XX/2021. Was told they have my written request, but have no took any actions. They can not do much over the phone, so I do not know what else is needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan using Their online process. After many underwriting issues that hours and days of back and forth, I decided to take my rental income off the property. I was asked to re-apply for the same loan minus my rental income because they had a technical glitch after I called a fourth time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Was not notified of investigation status or results

Complaint:
I sent letters on XX/XX/22 and have not received a 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 2022-01-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
SPECIALIZED LOAN SERVICING LLC, THREATEN TO FORECLOSED ON OUR HOME AND REFUSED TO GIVE US AN AFFORDABLE MODIFICATION OR SETTLEMENT. 
SLS, CONTINUE TO VIOLATE ALL RULES AND REJECT HUD MODIFICATION AND ALL OFFERS WE HAVE SUBMITTED. 
XX/XX/XXXX, XXXX XXXX TOLD US WE ARE NOT QUALIFIED FOR ANY MODIFICATION OR SETTLEMENT. 


ACCOUNT # XXXX I HAVE BEEN STRUGGLING WITH SLS TO GET A SETTLEMENT THAT IS REASONABLE. 
WE WERE OFFERED {$120000.00}. THEN SOME TIME LATER WE WERE OFFERED A GREATER AMOUNT OF {$150000.00}. NOW THEY DEMAND {$280000.00}. 
ON XX/XX/XXXX, WE WERE OFFERED {$150000.00} TO SETTLE. 10 MONTHS LATER ON XX/XX/XXXX, WE SENT A LETTER AGREEING TO THAT SETTLEMENT. 
ON XX/XX/XXXX, 21 DAYS LATER, WE GOT A LETTER STATING THAT THE DEMAND IS NOW {$270000.00}. THATS IN LESS THAN ONE MONTH THEIR DEMAND JUMPED {$110000.00} WHICH CAUSED US MORE DISTRESS AND SEEMS LIKELY ILLEGAL TO DO TO A XXXX XXXX. 
EACH TIME WE ARE READY TO MEET THEIR DEMANDS THEY RAISE IT SAYING THAT THE PROPERTY IS WORTH MORE NOW, EVEN THOUGH THE INVESTOR PAID LESS THAN {$120000.00} FOR IT, THEY NOW DEMAND {$280000.00}. 
NOW I AM OVER XXXX SOON TO TURN XXXX XXXX XXXX XXXX. 
ALL OF MY LIFE 'S WORK IS IN THE REAL ESTATE HOLDINGS THAT MY WIFE AND I HAVE, WE HAVE NO XXXX, NO SAVINGS, NO LIFE INSURANCE. 
THEIR POINT OF CONTACT HAS BEEN BRUTAL WITH US, ESPECIALLY IN DEALING WITH MY WIFE, BUT WITH 3RD PARTIES AS WELL. SO BRUTAL THAT MY WIFES HEALTH HAS SUFFERED TREMENDOUSLY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
WE ASK FOR A NEW POINT OF CONTACT, THEY PROMISE TO DO SO BUT NEVER DO. HER NAME IS XXXX XXXX ID # XXXX. 
XXXX SUGGESTED WE CONTACT HUD FOR HELP. WE HAVE ASKED HUD TO ASSIST US BUT WHEN HUD MAKES THEIR RECOMMENDATIONS TO THEM, XXXX, IGNORES THEM. 
XXXX XXXX SAID TO EMAIL A SETTLEMENT OFFER TO THE EMAIL SHE PROVIDED. WE CHECKED BACK WITH HER TO SEE IF SHE HAD SUBMITTED IT TO THE INVESTOR DAYS LATER. SHE HAD NOT. 
SHE SAID SHE WOULD SEND IT EITHER TONIGHT OR BY TOMORROW MORNING. BUT LATER IN THE HEATED CONVERSATION SHE SAID IT WAS DECLINED. 
AND WHEN SHE DOES SUBMIT A LOAN MODIFICATION OR SETTLEMENT, SHE PURPOSELY MISREPRESENTS US!! THE PROOF IS IN WRITING WHERE SHE STATES THAT OUR XXXX SCORE IS XXXX WHEN IN FACT IT IS XXXX 
WE NEED XXXX XXXX REPLACED WITH A PROFESSIONAL NEGOTIATOR PLEASE. 
SEE ATTACHED DOCUMENTS SETTLEMENT AND DATES ATTACHED TO THE BEST OF MY KNOWLEDGE, 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 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am XXXX XXXX  and I am traveling outside the United States, I got my XXXX check deposited into my bank of america account but the account was suddenly closed. I am unable to book a flight to come back to the United States because the bank is holding my funds. Federal regulations states the financial institution must returns payments to social security administration 's so the money could be deposited into a bank account via direct deposit... however Bank Of America is not helping 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 monetary relief
Consumer complaint received 2019-12-27
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 have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit 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 explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Acct # XXXX, XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Dept of ED/XXXX  XXXX # 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: Resurgent Capital Services L.P.
State: GA
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 have asked LVNV funding twice for debt validation with no response. I also asked the credit bureau to tell me how they verified the debt with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Suburban Credit Corporation has inaccurately reported a debt on my credit report. On my initial dispute, I advised them I have NEVER been a patient of XXXX XXXX. However, they REFUSE to close the account. My credit score is damaged because of this FALSE debt. How can I be taken to Collections by XXXX XXXX if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by XXXX. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation