BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and 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. 
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 2015-08-04
Company: Duncan Solutions, lnc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Professional Account XXXX refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As a consumer I have the right to file a dispute regarding accounts that I know is fraudulent. Also, the bureau should respond to me when they received my letters. It has been more than 30 days, but I did not receive anything from them. I also did not see any results.

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 2021-12-13
Company: Trojan Professional Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to dispute the attempt to collect {$290.00} by TROJAN PROFESSIONAL SERVICES. As explained in XXXX, the dental provider had confirmed with my insurer had approved full coverage of preventive dental cleaning, prior to my treatment. The provider also confirmed, no out-of-pocket expenses was required by me, the patient. I have disputed this charge from XXXX  and they should be collecting the debt from the insurer, however the collector continues to harrass and damage my credit report. I request for this record to be removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I opened up clam ticket XXXX with XXXX for the charge {$230.00} that is FRAUD. I also submitted a claim with American Express for this amount, stating that it is FRAUD. 

As if by design, both AMEX and XXXX responded that there is no fraud. This, of course, is totally ridiculous. While Im familiar with the APP in question, there was absolutely no purchase made by me nor did I receive any goods or services for this vaporware. 

I was advised today that, according to the merchant, yes the one who is defrauding me with a ludicrous claim that I purchased something on their app, that the charge is appropriate. It is NOT appropriate. I did NOT purchase anything. I did NOT receive anything, and I do NOT want to be stuck with charges that are clearly fraudulent in nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and 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. 
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 2022-07-25
Company: Experian Information Solutions Inc.
State: CA
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:
Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 Experian has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

XXXX XXXX XXXXXXXX XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated. 

I'd appreciate it if you could update or correct this reporting account as soon as possible. If you don't comply with the request, the account should be repaired right away.

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 2020-04-19
Company: EQUIFAX, INC.
State: AZ
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:
Sent a certified letter to your company regarding inaccurate reporting from your credit bureau. Your company received my certified letter on XX/XX/2020. My report still contains unauthorized information. Please refer to my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: TENET HEALTHCARE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First, I want to state the the choices you have for description of issue does not really give my exact issue. The issue that I have is that the collection agency never tried to contact me about a bill and instead just marked my credit report as up for collection and delinquent. I found out about this collection by reviewing my credit report. 

Syndicated Office Systems never contacted me about this bill and instead just put it in my credit records that I am up for collection and delinquent, in my credit report I found out about this debt through my FICO score going down and my contacting XXXX. Upon further investigation on my part, I have found that this is a fraudulent bill. Syndicated Office Systems ( the collection agency ) should have contacted me before putting this up for collection and marking my credit as negative. No effort was made on their part what so ever. Through my own investigation, I have found that this bill is for someone else, different name, in another state. I now need to file police reports, contact via certified mail all the credit agencies and take the time off from work to complete all these tasks. Not to mention the money lost from work, but also lost from certified mail postage costs, etc. I feel it is unethical that this collection agency never even attempted to contact me. Now I need to clear up my credit because of Syndicated Office Systems not even putting a ounce of effort into notify me of any bill and giving me the opportunity to get this cleared up before it has gone this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
The company is TD finance. After declaring bankruptcy in XXXX I did not include the vehicle a XXXX XXXX XXXX I immediately tried contacting the company to get my payment reduced. My physician suggested with my health issues I go to a independent living facility. Very expensive but need my vehicle for dr appointments etc Im a XXXX and totally on my own. My husband left no life insurance or assets. When calling the TD Finance co number I used to make monthly payments they have me blocked. I have written letters asking for help, I emailed, I tried calling from other phones but Im immediately blocked. Im sending money orders each month to the address I have always used but again no response. Twice my gas tank has had a substance poured into it and cost me XXXX deductible for tank to be flushed its almost un drivable due to so much sugar being in the motor. I feel I was sabbatoged by TD. Im located at an assisted living In XXXX XXXX Why was only my car singled out. They wont assist me in a fair settlement on monthly payments by ignoring me and blocking my calls. I would appreciate any help the dealership wont help me either. The address I use to send payments to is as follows. Any help is appreciated. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX c XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient apparently has issues with how they process their debt collection. Never in my life have I - or my wife - had a student loan. However, apparently someone with the same first and last name as me, who happens to live in the same state, has had a student loan, and they decided to not make payments on it. On more than one occasion, Navient has obtained my wife 's phone number and attempted to call me on it, in an attempt to collect a debt I do n't owe. Every time I talk to them, I tell them the debt is not mine. They verify the birthdate does n't match, and they claim that they 'll update their records to remove my wife 's phone number from this other person 's account. And yet, they have n't done it. I 'm tired of getting these phone calls, and I want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute item 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. If you feel there is a possibility this account 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 so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, KOHLS/CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
In mid XXXX I contacted Capital One customer service informing them that my address changed and that all future correspondence should be mailed to my new address starting on XX/XX/XXXX. When I failed to received the monthly statement, I contacted Capital One to confirm that the address was indeed changed. They informed me that they HAVE NO RECORD OF THE CALL, and that they still have the old address in the system. They also informed me that they marked me 30 days late since I failed to make a payment. Ive been a Capital One card holder since XX/XX/07 and in 13 years I HAVE NEVER BEEN LATE ONCE. They made an error, failed to change my address as requested, failed to send the bill to the correct address, and caused me to get a 30 day late! Capital One is refusing to correct the late out of good will even though the mistake was made by them due to the negligence of the rep to save the new address provided. 

Please see attached confirmation of address change from USPS, rent stub,  utility bills, as well as bills from other creditors ... .all showing the new address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I filed a complaint with CFPB and Bank of Amerca has modified their response with more information they failed to disclose at any previous time and altered the timing of their actions to better support their explanation. The Bank 's responses are factually incorrect. Further, they have ignored providing the information which speaks to actual events. This information is available but Bank of America will not address the information because it will not support their explanation. This complaint is a new complaint which states Bank Of America has changed facts, failed to provide information in support of their actions, and is dishonest in addressing complaints. This complaint speaks to the CFPB ability to protect consumers when the bank alters the information to cover up their errors. If this kind of behavior is left unchecked no consumer will be protected. This kind of action will actually create a bank more likely to abuse consumers. A bank confident that they can act in whatever fashion that suits them because no one can create any penalty or harm.

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
Consumer complaint received 2020-06-17
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I terminated my lease with XXXX XXXX XXXX in XX/XX/XXXX. I gave notice of the termination in XX/XX/XXXX. I did everything I needed to do to terminate my lease. I gave a notice and signed a termination of lease document. I went to XXXX XXXX XXXX  on XX/XX/XXXX to get a copy of the termination of lease document, to send to the credit bureaus. However, I wasnt able to get a copy of the document because I was told by the regional manager that he couldnt find my file and I would have to wait till further notice. I have documents proving that I paid the final two months that I was at the XXXX XXXX XXXX  and the final statement for the light bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX 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. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} EQUIFAX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX : XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} 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 so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent Outsourcing sent me a letter saying that I owe to XXXX XXXX dollars. Thats not true. 
I already spoke with XXXX and they told me that I do not owe any money and they do NOT work with that agency. 
This means that Convergent Stole not only stole my SS number but is also claiming money in behalf of comcast when is not true. 
I saw on my XXXX report that Convergent had made XXXX inquires on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute item 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. If you feel there is a possibility this account 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 so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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