BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
These medical accounts are not verified as mine. The credit bureaus have not sent me any documents or any consent that would prove that it is really my 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 2017-10-10
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:
XXXX XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history. Please conduct a proper investigation and remove these items from my credit report.

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 2015-06-30
Company: Financial Management Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX of FMS Financial Solutions ( XXXX XXXX XXXX. XXXX XXXX, XXXX, MD XXXX, XXXX ) regarding a supposed early lease termination fee from XX/XX/XXXX. I can provide the details of my dispute if you need, but when I called XXXX XXXX he started yelling at me in a most belligerent manner, and threatened a lawsuit. His conduct was most unprofessional and overly aggressive. He was trying to collect for XXXX, ( XXXX XXXX XXXX XXXX. XXXX, MD XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
an account was opened with XXXX for XXXX phones, ( XX/XX/2016 ) after i called XXXX, it was determined fraudulent and account was closed, said they would contact reporting agencies to have the inquiries removed from my report. same person opened a XXXX credit card account ( XX/XX/2016 ), XXXX also closed the account after i called them and they said they would contact reporting agencies to have inquiries removed from my account. the XXXX hard inquiries have been removed from XXXX but not equifax. this is the email i received from XXXX : Here are the results of your claim. 

XXXX account number : XXXX XXXX We 've completed an investigation into your claim regarding the account number listed above. 
We 've concluded that you 're not responsible for any of the charges on the account. 
We 're submitting a request to each of the XXXX major credit reporting agencies listed below, to remove you from any reporting on the account. It can take anywhere from 30 to 90 days to process changes within their systems. In the meantime, feel free to use this letter as proof that corrections to your credit are pending. 
XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, CA XXXX XXXX XXXX XXXX help.equifax.com XXXX XXXX Thanks for your patience and assistance. If you have any other questions or concerns, please feel free to contact the XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: DISCOVER BANK
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:
Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent Discover Financial Services account. XXXX  is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: ALLY FINANCIAL INC.
State: NY
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 account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.

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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a mortgage and the credit check was done by a company called XXXX. Transunion showed I had 4 accounts in Dispute. So the mortgage company called me and I called Transunion that day. The man I spoke with said he could see the errors and would remove them immediately. I advised the mortgage company and they checked again and the problem was still there. They checked again today which gave me XXXX hard inquiries instead of XXXX. I called Transunion today and asked that they only show because it was their error. The refused saying these would stay for 2 years. I want only XXXX inquiry to show as it will affect my credit for two years.

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 2021-08-06
Company: Navient Solutions, LLC.
State: NY
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:
the following accounts appear on my credit report, they do not belong to me, they are hurting me, please review them Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

3. Identity Theft NAVIENT Account Number : XXXXXXXX This is not mine. 

4. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

5. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

6. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

7. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

8. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

9. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

10. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

11. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

12. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Problem with personal statement of dispute

Complaint:
My Capital One XXXX credit card bill was due on the XXXX.It was paid on the XXXX.I was given a {$35.00} past due fee.When I called I was told the was because I did n't make the full payment due of {$49.00} .I paid {$48.00} by pushing min payment button and the transaction was APPROVED. 

So I called and asked why I was given a past due fee because a {$1.00} error and was told their computer processes these transaction but, she would wave the past due fee because it was obviously a mistake. I then asked about them about my credit report damage of -46 points on my credit score and she said there is nothing they can do about it and I would have to make my case with the credit bureaus on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom this may concern, I sent a debt validation letter to Jefferson Capital System on XX/XX/2021. In which I never received a response back, yet they are still reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Select Portfolio Service and XXXX XXXX XXXX are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. SPS and XXXX has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. SPS and XXXX was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. XXXX has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ 350XXXX. XXXX attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. XXXX and SPS poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws XXXX and SPS continues to violate is of significance. XXXX appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, XXXX acts as if it above federal law while engaging in interstate commerce for illegal purposes. XXXX and SPS was Ordered to pay actual damages in the amount of XXXX Dollars pursuant to 1692XXXX XXXX. This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. XXXX and SPS must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. XXXX and SPS must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to access the free credit report through the FTC site XXXX and was unable to access. I decided to pay for it and I was charged {$12.00} for a Equifax report and was unable to access it. This is a ripoff with the FTC promoting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was scammed by a person that claimed themselves as an ICE agent. She was calling about my un-updated alien number. She said that I need to send an " Immigration Bond '' {$1900.00} fund and if my investigation is cleared, the amount of {$1900.00} will be refunded back to me. Even though the transaction is pending, Chase and XXXX refused to help me reverse the transaction. I filed a police report on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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 requested a debt validation letter from XXXX XXXX XXXX. Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it. I would like these accounts removed from my credit report as it is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Dyck-O'Neal, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dyck Oneal has been reporting on my credit report a collection in the amount of {$32000.00} which is not mine and Dyck Oneal is illegally transacting business in the State of Ohio by continuing to try to collect a debt from me and I am a resident of the State of Ohio. According to the Ohio Secretary of State : Ohio does not have a specific requirement for collection agencies or debt buyers to be licensed in the state. However, any business, regardless of location, that " transacts business '' in Ohio is required to register with the Secretary of State. Dyck Oneal is not registered to do business in the State of Ohio.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: IL
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:
Today I called Experian trying to resolve some of my accounts to be exact two XXXX XXXX XXXX accounts and XXXX XXXX. I sent my letters on XX/XX/21 and there still isnt an update and I stated in the letters that if they arent completed in 30 to remove them. Today is XX/XX/21 I in fact gave them more than thirty days. I called today to get those 3 accounts off and I spoke with XXXX who was very nicely rude, I couldnt finish a sentence she kept talking over me her customer service sucked. I told her that I was going to report her to the cfpb and asked for her name and she replied XXXX I asked what her last name was and she said she couldnt give it to me so I asked her how would they be able to identify her, is she the only XXXX that works for Experian and she replied yes. I didnt call to argue just wanted to get my file updated. So I asked to speak with a supervisor or someone else. She insured me that I would speak to the supervisor then came back on the line asking did I still want to speak to the supervisor as though I just didnt ask. She then put me on mute for about 15-30. I honestly dont know what happened but I didnt speak to anyone after I got off the phone with her. Im trying to buy a house and this is a very big inconvenience because these things were supposed to be off my credit on the third and now I have to wait for Monday to call and get this situated. I also recorded it because I knew she wasnt trying to help and Im sure you guys have a recording of it as well.

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 2017-01-18
Company: Todd, Bremer & Lawson, 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:
I CHECKED MY CREDIT REPORT AND THIS COMPANY TODD, BREMER & LAWSON INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SOUTH CAROLINA XXXX. XXXX - XXXX. IS LISTED ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS company. THIS ACCOUNT IS INACCURATE AND HAS NOT BEEN VERIFIED. I DID NOT RECEIVE NO INFORMATION ON THIS DEBT. UNDER THE FCRA 15 U.S.C 1681i ALL UNVERIFIED ACCOUNTS MUST BE REMOVED. THE COLLECTION COMPANY PICKS ACCOUNT AND JUST PLACED ON MY CREDIT AND I HAVE NEVER WENT TO COLLEGE, NEVER WENT TO A UNIVERSITY XXXX. THE COMPANY ALSO HAS FEES LISTED FOR THEM. THIS NEEDS TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I started having communication with Forster and Garbus years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. I had since left that career and sent payment when I could to the Sheriffs Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to Forster and Garbus for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: FL
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:
Dear Sir or Madam, I recently received a copy of my credit report, and there has been unauthorized use of my credit report. The credit report agencies are reporting information that is inaccurate on my credit report, as a result of this I find myself paying higher interest rates. Please look into resolving this matter for me, because it has caused lots of stress, and paying higher in interest rates. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting an item on my credit report incorrectly XXXX XXXX was a car loan I had over 7 years ago that was included in my Chapter XXXX Bankruptcy. At first Equifax was reporting it correctly in XXXX as included into the bankruptcy then when I disputed that the statuary limits had ran out. They took it out of Bankruptcy and just have it on my credit file as an delinquent item. 
1. I want to file a harassment lawsuit against them I presenting case after case on them with the proof and the more it looks like that they are putting errors on my account purposely instead of removing items that they know are n't mines and have legitimate reasons behind it. 
2. The statuary limit has ran out on this account. 
3. They took it from out of bankruptcy and legally I do n't have to pay anything back on this account

Company response to consumer: Closed with explanation