BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-02-25
Company: JPMORGAN CHASE & CO.
State: TX
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:
OnXX/XX/XXXX, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from XXXX  that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Fraudulent charges were made on my account for services that were never rendered. My credit report was corrected after investigation by XXXX and XXXX, but I had tried unfruitfully to communicate with Equifax and it 's being impossible. Last thing they told me before the phone call was cut, was that my actual physical address, where I 've being living for 6 years now is not in their records and now I recently found they just removed it from my credit records after that ( they had it ) while the other agencies still have it.It 's being very frustrating. First I tried online, then, I tried to send them an email that they never respond, and finally I called then by phone. When I was in that process the representative just hung on. I 've being trying to file a dispute with them and they are refusing to do so implying, apparently, that I am stealing my own identity.Last thing I did was to send the filled dispute form by mail ( I include a copy in the attachments ) to their address. It was ten days ago, and the only reaction I had from them is that they removed my current address from their report ( The other XXXX Agencies still have it, like I said before ) .I am contacting you becuase I do n't have anybody else to help me with this problem. thanks in advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/16, I contacted Collection Professionals Inc in XXXX IL. trying to explain that the past due medical bills were still pending with insurance. Insurance had initially denied them stating they were pre-exsisting. After I appealed and a lengthy investigation, the decision was reversed. At this time, I thought the issue was resolved. Until I received a summons to court for said medical bills. After calling insurance, it was determined that XXXX had forgotten to send the claims back to adjuster and did so today. They stated they would pay their portion and then secondary ( medicaid ) would pay the rest. After I explained this to XXXX from Collection Prof, he stated that it made no difference and that I would still have to pay it out of pocket resulting in double payment.He said it was because it took 4 years to process. He blantly called me a liar, even after I said that XXXX was sending a letter explaining situation. He would not answer any of my questions, interrupted me frequently and spoke down to me. I would and will gladly pay any bill, I am responsible for but not until insurance processes it. I will not pay only have insurance pay also and no one deserves to be talked to the way I was. I am not some low life who just doesnt pay their bills. I am a highly educated woman, who lost a great job after being XXXX with XXXX XXXX. XXXX was a lenghty process and I am dokng the best I can. I, nor does anyone else deserve to be treated like trash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Kindly I have been trying to get my credit report and score from Equifax for months now without any success, although I have XXXX credit card accounts and I 'm able to see them all on my XXXX and XXXX credit reports without any problems. 
My problem is with Equifax , I tried to sign up for their complete advantage plan and they asked me to fax my Social Security card and Driver 's License to verify my identity so, I did, then they told me we wo n't give you access to your credit report because my Social security is based on my work permit, do they have the right to deny me access to my credit report and credit score on that ground? if so how come I am able to get my report and score from other credit bureaus then? 
Kindly I would really appreciate your assistance, as I 'm relatively new to credit and I 'm trying to build my credit score and every time I try to see my credit report from Equifax it tells me non matching Social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX IS BEING REPORTED WITH A {$7800.00} BALANCE XXXX 2021. THEY ARE TELLING ME STEPS HOW I CAN PAY OFF THE BALANCE. MY XXXX XXXX XXXX ACCOUNT BALANCE IS {$0000.00} XXXX. MY CLOSING DATE IS THE XXXX OF THE MONTH. CORRECT MY XXXX XXXX XXXX ACCOUNT TO {$0000.00} WITH NO POINTERS ON PAYING OFF WHAT IS PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
It has been a four year up hill battle with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The fraudulent mortgage loan originated with Country Wide in XXXX Credit was obtained for over XXXX XXXX XXXX dollars in my name by a dishonest loan officer. The loan was put in my name and the loan officer without my knowledge then put through paper work giving the house to the occupants and leaving me personally stuck with the loan. I filed an identity theft detailed report from law enforcement. Law enforcement noted the numerous forgeries from the original loan. I can forward all documents to you at your request. XXXX and XXXX loan services have refused to block the inaccurate information. The occupants of the house became nine months behind when I learned of the fraud. My credit was ruined. There are multiple investigations currently being conducted and led by XXXX XXXX XXXX XXXX XXXX. I need the banks to immediately block this fraudulent inaccurate information according to the XXXX. The banks have all copies of the documents from the authorities and refuse to acknowledge law enforcements findings. The loan officer is currently under investigation for multiple fraudulent loans. I am requesting your help in resolving this matter with XXXX and XXXX In addition after providing ID theft documents to XXXX and XXXX they immediately blocked the fraudulent loans. 

Thank YouXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Collection agency Company  XXXX   XXXX  has failed to provide proper verification of the accou nt they brought from Walmart/ Synchrony Bank/Walmart.  This company has not and could not provide in formation like documents bearing my signature that I owe ( {$540.00} )  to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  XXXX   XXXX  about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company  XXXX   XXXX . Dont matter the original creditor have the same account number as the collection a gency. Synchrony and   XXXX   XXXX  different companies have on my credit report. I feel they are trying to be smart by having the same account number unde r two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then al l files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature  for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA

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 2021-01-08
Company: MARINER FINANCE, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-12-09
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacting Midwest Collection. They said I owe {$670.00} ... I asked them to produce original paperwork from this debt. The bill collector said he was working on paperwork. He said it was a payday loan for $ XXXX from 2012. He has reported it to the credit bureau but I never received information who the original debtor..Now he says If I pay Immediately {$250.00} .it will settle the debt. My suspension is that this bill was sold off several times and no one has the original paperwork. I thought it was my right under Fair Debt Reporting Act that I am entitled to see this. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I was trying to help my daughter finance something for her school, but found out I had a bankruptcy of my credit report. I did not recognize - and CRA said some company called LexisNexis told them it was accurate. I sent this strange company a letter and disputed it - it has been over 30 days and according to what I read on FTC website they have 30 days to respond or the information has to be removed. They never responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I tried to use my debit card and it was declined due to insufficient funds. This was very odd to me as I knew what the balance in my account was. I left the store and while I was in my car I contacted USAA and stated that there was a charge for {$4500.00} on my account and I did not authorize it. XXXX XXXX told me that by Friday the XXXX the funds would be returned to my account. I stated this needed to happen as my payroll was set to be deposited and I also had bills coming out! The limit on my card is not even {$4500.00} so the card should have declined. my account is now over {$3800.00} in the negative! I called USAA on Friday as I did not see it returned and I was told there was a letter on my USAA app ( I checked and I did not ) Still nothing as of today XX/XX/2020. I was told that because my debit card had a chip on it there was nothing I could do! I did not choose to have a chip ( it was mandated ) On XX/XX/2020 I ordered a new card as I had left my purse in XXXX and when I went back for it it was gone!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Millco Management
State: NC
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:
Ive disputed this issue with XXXX on numerous occasions. These collections do not belong to me. Ive never signed any agreement or done any business with this company. The following dates are 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Summit Horizon Financial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2021 I received a call from a woman who called herself XXXX XXXX. She had all of my personal information including my social security number. She said she worked for Summit Horizon and they were going to help me consolidate my student loans. I did not give her any information however she already had my date of birth, social security number and drivers license number. The number she asked me to contact to speak with her is ( XXXX ) XXXX extension XXXX but she called me from ( XXXX ) XXXX. I am concerned that she already had all of my information and that she was able to log into my federal online portal with her own password. I have changed my studentaid.gov password but would like to know if this is a scam and what I should do from here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contact Nationwide Recovery System for an account transferred from XXXX XXXX XXXX XXXX for a date of service of XX/XX/2018 for XXXX XXXX XXXX XXXX XXXX XXXX provider. The debt collector by the name of XXXX in XXXX stated they do not have proof debt but I can request it from XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and was advised that they do not have a debt for me with this date of services or the account number XXXX  XXXX. I contacted the debt collection agency Nationwide Recovery System and advised XXXX of the same information in which he became irate and belligerent. I was transferred to his supervisor who would not identify himself and was offended ( his words ) that I requested to speak with someone in a U.S. location. He disconnected the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: ARS National Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Sherloq Group, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XXXX XX/XX/XXXX I responded to XXXX  via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, SHERLOQ Financial ( " SQ '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, SQ is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to SQ. SQ is collecting on an uncollectible debt- conveyed to SQ by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and SQ continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, SQ.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Simply stated, I filed an application for loss mitigation with Flagstar Bank in XX/XX/XXXX, the application was denied and I had to refile in XX/XX/XXXX. The application I refiled was approved and I went on a trial plan XX/XX/XXXX through XX/XX/XXXX. Meeting all those payments, my loan was accepted as permanent and I signed and returned the documents. I made the permanent payment amount which was a slightly higher amount then the trial period. Flagstar claims I didn't signed the permanent agreement correctly and closed the deal without proper notification and while I was doing everything possible to communicate and work with them. I have attached many supporting documents including a timeline of events, and similarities to the administrative action filed against them in XX/XX/XXXX. I have been in contact with Flagstar daily and done everything asked of me. Flagstar withheld critical information that closed my application.

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 2022-10-12
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation