BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-29
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Early Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Consumer ID : XXXX 1 ) XXXX XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX Account # XXXX Dear Sir or Madam : It's definitely frustrating to be charged for something you believe isn't fair. I am writing to dispute a billing error in the amount of {$0.00}, {$910.00}, {$730.00} on my account. The amount is inaccurate because I believe my consumer report contains inaccurate information. I would like to submit a dispute of that information to the checking account reporting company. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of [ use this sentence to describe any information you are enclosing, like Consumer Report supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have repeatedly disputed this account for errors. Every time it comes back as date updated. It states last payment ma de XX/XX/2019. It also reads 30 days late on XX/XX/2019, As well as late on XX/XX/2019. This is in violation and needs to be removed immediately.

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion customer service would not help and take care of the negative inquiries reporting to your credit report want TransUnion to delete those credit inquiries off my credit report except my XXXX XXXX opened XX/XX/XXXX and my XXXX XXXX opened XXXX. The other 37 inquires must be removed/deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 sent several letters for debt validation. I requested hard signatures, open/close dates as well as payment history. I received none of the above documents. 
It is well within my rights to ask for these documents per the FDCPA and the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: MD
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: IN
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:
my mortgage account with XXXX XXXX shows as not current for over a year when the account has been on automatic withdraw from my checking account

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 2020-02-29
Company: Veripro Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2013 I was told by XXXX XXXX XXXX that my second mortgage debt would be cancelled after my loan was modified. XXXX XXXX XXXX then transferred servicing of my mortgage to XXXX. XXXX did not complete my mortgage modification agreement with XXXX XXXX XXXX. XXXX charged off the second mortgage. XXXX owned company Veripro is now attempting to collect the charged off mortgage. 
First, the mortgage should have been cancelled and not transferred from XXXX XXXX XXXX. 
Second, I have communicated with both Veripro and XXXX that I do not agree to the debt they claim is owed. I have requested an itemized calculation for the said debt and have not received it. Veripro sent me a transaction history and loan documents. They did not provide a break down explanation for the amount they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: MO
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.C Systems sent me a letter trying to collect a debt from XXXX, stating that I did not return a piece of equipment. When I closed my XXXX  account I brought both pieces of equipment as directed by XXXX  to XXXX on XXXX XXXX XXXX, in XXXX XXXX XXXX FL on XX/XX/XXXX, I received a receipt, however over a year later I am unable to locate that receipt. 
When I received the letter from IC Systems I called them on XX/XX/2022 and spoke to XXXX XXXX # XXXX, and she told me to dispute the collection I had to send in a written request. I sent the written request that day on XX/XX/2022. 
I then called in on XX/XX/2022 and spoke to XXXX XXXX XXXX # XXXX and he told me the account has already been disputed and the letter was not received yet. 
I then called in today XX/XX/2022 and asked if the letter had been received. XXXX XXXX XXXX # XXXX informed the letter was received today XX/XX/2022, 34 days after I sent it. I asked XXXX XXXX when the file was disputed and she told me it was disputed on XX/XX/2022. She told they had 60 days. I informed her the creditor has 30 days from the time of the dispute to validate the collection or it could not be placed on my credit report. 
XXXX then transferred me to a supervisor, XXXX XXXX # XXXX and he told me that we just received the letter today and that they had an additional 30 days. I argued that, XXXX screwed up by filing the dispute on my original call on XX/XX/2022 and started the 30 collection verification clock. 30 days has already passed and the collection has not been validated and they can not put this collection on my credit report. He seemed unaware of the timelines required to validate a collection and said they had more time. 
He then told me that this was all of the information that they could give me and ended the call.

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 2020-02-29
Company: CL Holdings 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:
JEFFERSON CAPITAL SYSTEM ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$11000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2019, I went online lokking for a car I went to XXXX XXXX XXXX and spoke to XXXX and XXXX they scammed me into getting a XXXX XXXX with cat hair in the back. They tiik {$600.00} from my XXXX XXXX account. I called to take the car back and I spent {$500.00} to get the cat hair out. I took the Car to XXXX XXXX XXXX and had to but cleaning supplies at XXXX XXXX. I paid cash to get the hair out it was in between the seat wear the seat beats were at plus cat urine was so strong. I couldnt get it out. So they placed me upside down in my car loan. I went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX SPOKE TO IN PERSON XXXX AND HE DROVE TO XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ XXXX to pick up the XXXX  XXXX XXXX. The car is a flood damaged car. I almost died in the car. XXXX wouldn't cover a flood damage vehicle. I called XXXX XXXX to have it towed to XXXX XXXX XXXX. I went to XXXX XXXX in XXXX. XXXX XXXX has a deal with them. The mechanic told me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX ( XXXX ) XXXX. The other scammers are XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. They gave me my car fax and thats how I figured out the miles were turned back.

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 2020-02-29
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-05-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony bank has charged my account erroneous late fees although my payment was submitted. They have also changed my monthly payment due to {$69.00} when the agreed minimum payment per month s contracted with through XXXX was {$40.00} per month.

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 2018-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX, I paid off the balance on my Bank of America card in an attempt to become debt free.

I was passed in to a Specialist and that person tried to get me to stay and I refused. He then said I see you have another card with $ XX amount on it. We can transfer that balance for you.

I asked him how did he know that and he explained that since I have a card they have access to my report.

Question : is he supposed to use my credit report to cross sell me into maintaining an account that Im trying to close?

I told him to close the account and that I was not interested.

Today,XX/XX/XXXX, I received an email about my account that prompted me to look at the card. When I went online I noticed the account is still open with my same limit!

My wife and I are Military and will be XXXX  soon. We paid off things to clear and restore our credit.

I feel betrayed because I trusted they would do the right thing and its almost 3 months and the limit has been setting on my credit. It is potentially impacting my score

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 2020-02-29
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-02-29
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 summited on the last complaint three account that PORTFOLIO RECOVERY is collecting. From their response from my letter they ONLY responded to two of the account. The account number XXXX I never received anything. Also on the response that they uploaded to CFPB they did provided paperwork but one of them is from XX/XX/XXXX and XX/XX/XXXX was sent to XXXX XXXX XXXX  which I have stopped doing business them at least two years ago. Since I never received anything for this account XXXX PLEASE delete this tradeline from all three credit bureaus. I am going to attach the letters that i sent them also the response i received from them in which case their is no response for account XXXX. They have my correct address since they send me a letter with no information I requested to validate the account that they are collecting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My mother, my youngest sister and I have all received harassing and repeated phone calls regarding a debt my other sister owes. None of us have cosigner anything and she is an adult who doesn't live with us. In addition, we have never provided our contact information to this company and are all being called on our personal cellphones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019, I notified Nordstrom about 2 pages that I ordered on line. I called XXXX XXXX 5 times and Nordstrom did 3 investigation through XXXX. I, still being harassed by Nordstrom in California. Im XXXX by the State of Nj, just because my neigbors  at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. Admitted they stole my packages XXXX XXXX XXXX XXXX XXXX, NJ XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX stole my packages along with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX along with my NJ motor vehicle drivers license and social security card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ATTACKED MY PHYSICALLY 3 TIMES XX/XX/2019, XX/XX/2019 MY HEAD WAS BANGED TO THE HARD CONCRETE, XX/XX/2019 IN FRONT OF THE XXXX TOW TRUCK DRIVER. IM IN A D XXXX SCAM I ANSWERED AD ON XX/XX/2019. I trported my identity theft and nothing has been done, by the XXXX County police department or the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: KEYCORP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As a currently serving member of the XXXX XXXX XXXX XXXX, I am required to maintain a favorable credit report history. It has come to my attention that there are items on my XXXX  credit report that I am in the midst of disputing. 

In the interim, I am also asking for your assistance in this matter. Specifically, the ( 5 ) aspects to this inquiry are noted below and all appear to relate to each other. 
My contention and recollection is that in XXXX, Key Bank may have transferred my education loans to a new servicer, XXXX XXXX. All payments were made to them. Then, in XXXX, I received a severance payment and paid off all said student loans in full. 

None of the institutions below could provide me with sufficient information from which to move forward toward any understanding of payment history or reflecting that the loans had been paid in full. Therefore, I am asking for your assistance and look forward to a resolution with your findings. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response or any notification of the status. I feel deeply that I have been taken advantage of and my disputes are being ignored.Section 611 ( a ) states clearly that failure to investigate these items within 30 days is reason to immediately removal from my credit report. It has been over 30 days and they should be deleted. I demand that theses items be deleted or I will file for litigation due to the stress of this situation.My information was impacted by the XXXX data breach and could have possibly been affected.

Company response to consumer: Closed with explanation