BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2021-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was granted forbearance during covid due to job loss. I was sent a letter stating i did not have to make a balloon payment because I had a XXXX XXXX loan and the care act options would be available to me. When the period ended I contacted the loan servicer and they made me jump through hoops and go through loss mitigation only to deny me any help. I have plenty of equity in my home and I feel like they are just trying to take my home to make a large profit. The only option I was given was to pay in full or foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX/XXXX/XXXX Original Bill with XXXX XXXX hospital, worked out a payment plan with Billing dept at XXXX XXXX hospital, made payments on time every month, in XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX said that hospital turned over to collection agency, called XXXX at XXXX XXXX Hospital to find out why, they told me it was a mistake, but just to keep making my payments on time and there would not be a problem. I received a letter in XXXX of XXXX from Lotane & Associates, PA, I still have not missed a payment, around the date of receiving the letter my family members ( wife, daughter and sister ) were being contacted by this company stating that they had a warrant for my arrest and needed to find me, they had my phone number and address, as they left a message on my cell phone while I was at work. I called them when I got home, they were telling me they were taking me to court, going to garnish my wages and place a lien on my home and take possession if I did not pay the bill in full. I told them I had a payment arrangement worked out and that I had not missed a payment and that I did not have the money to pay the bill in full, I asked to stop calling me and my family that they had my address, they should contact me by mail in the future and that I would continue to send my monthly payment that is the best I can do. They have continued to accept my payments and cash my checks at XXXX every month and I had not heard from them again until this week, when once again I started getting phone calls threatening garnish my wages, have me arrested and place a lien on my home, my wife has received 3 phone calls at work from these people, they called my sister at XXXX last night and my daughter twice this week. I have not received any further communication from them in the mail at all. I spoke to them today and they threatened to continue calling my employer, and family membersuntil this bill is paid in full. I can not pay this in full at this time, but I have not missed a payment and the harassment from this company could cost me my job as well as the embarrassment they are causing by calling all of my family members, I have no idea how they would have gotten any of the phone numbers other than mine and my wifes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA 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 2022-05-03
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2021-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Unsolicited credit card offer ; called Capital One to request being taken off mailing list and was told that this will continue for 45 more days. Unacceptable as I have already permanently opted out from these kind of solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I never agreed to authorize this loan. The loan was agreed upon by the co signer. I did not sign any loan to give my approval to commence such loan. I have contacted Discover student loans to explain that I had nothing to do with the origination of this said loans. I do not have a way to pay back any loans and at the time of said loan I was not capable of paying a loan or can sign for one. I had no credit to sign for one nor do I have credit today to acquire a loan. I demand a signature by me approving this loan. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NM
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: U.S. Auto Sales 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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to communicate with the company several times and failed. I am losing any hope for this to be resolved. 

I have asked for them to send me documentation that will verify this account but has never received any response from them. I feel like they are violating my rights by not sending me proper documentation that is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received anything from creditor or debt collector i owed anything, I found out whn my credit score dropped. I have called and paid it over a year and half ago and have pleaded for them to take this off my credit. When I pais it they said they would now they won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: American Credit Acceptance, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is a consumer reporting agency who furnishes a consumer report on me. Experian is inaccurately reporting payment history in accordance to the Fair Credit Reporting Act, and Metro 2 Compliance. Experian is reporting the following inaccurately : XXXX XXXX No Payment Data April 2019- 30 Days Late XX/XX/XXXX through XX/XX/XXXX - No Payment Data Reported and then suddenly : XX/XX/XXXX - Charge Off. 

The above mentioned inaccuracies constitutes INACCURATE REPORTING!

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 2019-03-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have asked for verification that both of these loans belonged to me by sending me the original documents that were signed because it basically looks as if they are trying to charge me for loans I didnt take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am coming to you for assistance dealing with a Fraud Scam issue. I am a XXXX XXXX XXXX senior citizen that lives alone. I've had a Citibank relationship for 25+ years. I rely on my iphone to pay bills that I review carefully every month. I have minimal computer skills. I have NEVER used XXXX and do NOT have knowledge about it being connected to any of my bank accounts. I was getting a membership with an online dating service : XXXX, when I logged into XXXX I encountered a problem with my XXXX. I enlisted a computer company : Support @ XXXX and a technician fixed the problem. Now I was able to sign onto XXXX. 
Within an hour I received a phone call from XXXX who identified himself as a XXXX representative and told me that my subscription was cancelled, but he would help me reinstate my XXXX account. I agreed to let him help. I do not recall the questions/requests he made of me, however he had me do various transactions with XXXX which XXXX was TOTALLY unfamiliar with. He had me do approximately XXXX XXXX transactions totalling {$8700.00} on XX/XX/XXXX and more on XX/XX/XXXX. He also had me purchase {$3000.00} worth of gift cards.For detailed information please see attachments with Fraud Investigations and Police Involvement.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 I started receiving a XXXX XXXX XXXX of {$44.00} from Capitol one. I noticed the fees on XX/XX/2022. They were charged again in XXXX and XXXX. I called Capitol one to dispute on XX/XX/XXXX and was assisted by a rep. He advised me the was nothing he can due to reverse the charges as directed by his supervisor. He was very compassionate and apologetic as he explained, it was my issue. This began with the website " XXXX '' they offered 2 options Send Money and BILL PAY. I have been paying a bill through this system for years. A tab presented " pay with credit card '', recently. Again, this BILL PAY. The fee is {$3.00}. I paid through my credit card as of XXXX Capitol One added fees without any acknowledgment stating it was a cash advance. It was not. they also recited info on there disqualifications with fees and bill pay was not n that list. They refused to reimburse my fees. This is deceptive to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Affirm Holdings, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affirm is claiming I owe a debt with there company when I was victim of identity theft. Affirm have 2 different addresses with this fraudulent account one wich I have never been resident at. Affirm claim that this account was being paid off. And thats there proper investigation of stating that I on this fraudulent account. Affirm refuses to send me proper evidence such as acc numbers statement or bank account wich this account was used to be opened. I spoke with affirm fraud department wich said they would do a proper investigation. They did not. I will be filing a complaint with my states attorney office as well. For discrimination and reporting false information thats fraudulent. Knowing that I was victim of identity theft. I never received any bank statements or application for this company to back there claim wich I so clearly asked for. They telling me its my account because the loan or whatever account was open with them under my name was being paid. And I guess the payments stop not sure because this company refuses to give me that information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a prior dispute to this collection agency. They stated they have sent bills to me which I have never received also from an account I have no knowledge of. I also researched that this company is/was collecting with an expired license cancel date was XX/XX/XXXX-2014. So on top of sending me an original contract with my signature, I need to see if Commonwealth Financial is authorized to be collecting in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The two accounts below are reporting on my XXXX  and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX Account NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date Opened1XX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as of XX/XX/XXXX.

Status UpdatedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have couple of Inquiries which i never recognized 1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2.  XXXX XXXX XXXX on XX/XX/XXXX i never asked them to do any Inquiry, requested them to remove it but they never listen to me. Also i never took any loan from them. 
3. XXXX XXXX XXXX on XX/XX/XXXX, i never asked them to do any Inquiry, requested them to remove the inquiry but they never listen to me. Also i never took any car loan from them. 

4. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ) on XX/XX/XXXX 6. XXXX ( XXXX XXXX ) on  XX/XX/XXXX 7. XXXX ( XXXX XXXX ) on 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 2019-10-21
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgence capital is a fraudulent company. I want to get this off my credit. I will pay it but not them. I just want a different company or way to pay it.

Company response to consumer: Closed with explanation