BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
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:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Credit Karma has been making unsolicited inquiries into my credit account every 3 days since XXXX - XXXX and ongoing. I did not apply for credit from anyone and only used Credit Karma years ago and that was paid off in full, at least five years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Harvard Collection Services trying to collect a debt for Illinois Department of Human Services for a balance of XXXX. After I got of the phone with them I contact the Human Service and they told me they dont know anything about this debt and also I didnt receive anything stated that I owe the government and they also said they would take money from the stamps that I already received to cover the amount that they gave me until it is caught up. I also googled them and it says Temporary Closed and they only had 1.3 stars

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-09-08
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax exposed my data without my consent and without informing me for more than 30+ days. The company has offered limited 1-year credit monitoring through their own services, which were already owned. This is the worst possible mitigation. They have exposed me to fraud, identity theft and problems for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XXXX XXXX, 2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

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 2022-09-04
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX  XXXX XXXX was paid but shows as a charge off on credit report. Experian has not updated account since XX/XX/2021 XXXX XXXX XXXX was closed but it is still showing on my report. Experian has not updated report since XX/XX/2021 XXXX account has been closed but it is still on report. Experian has not updated my report since XX/XX/2021

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 2018-04-28
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Franklin Collection Service , Inc. attempted to collect a {$70.00} debt from an old XXXX XXXX XXXX account that I have not held for many years since I had transferred it to my roommate in XX/XX/XXXX. 

When my roommate had moved out and closed the account in XX/XX/XXXX, he stopped making payments which was when it got to collections. In some weird mix up, they had tried to contact my old roommate in his new address in XXXX XXXX, and yet some how still associate the debt under my name. I had only found out about it at the beginning of XX/XX/XXXX, by the virtue of my credit report. I quickly contacted them and out of confusion and panic, I had paid for the amount just so that I can get rid of it from my report. 

By law, I should have been given a 30-day period to either pay or dispute the charge. However, I was never contacted by anyone from Franklin Collections and according to their representative, the letter was sent to my roommate to an address that Ive never lived in. Even after contacting them and stating this on the phone and over email, they have still not gotten back to me and refuse to remove the collections from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERICOLLECT INC for committing identity theft. I have never given AMERICOLLECT INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from AMERICOLLECT INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AMERICOLLECT INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AMERICOLLECT INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERICOLLECT INC continues its collection efforts, I will file for litigation for actual damages caused and AMERICOLLECT INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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: Investigation took more than 30 days

Complaint:
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/XXXX letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I spoke to nelnet XX/XX/2022, I explained to them that I never gave them consent to report late payments to my consumer report. The account manager XXXX responded to me stating that I signed the promissory note opting in to furnish to my consumer report. Nelnet kept telling me pursuant to federal LAW they have to report. I keep requesting where does is state by law? please provide that information. Which NOW I KNOW ITS A lie. They claim that I opted in but nelnet or the depart of Ed never told me that pursuant to 15 usc 6802 B that I had the right to opt out. That was never given to me or disclosed to me. That mean I was not ever given the option to choose. I am requesting to opt out of furnishing late payments so they need to be updated asap. Nelnet keep sending me letters that a credit repair company is the one writing these disputes when it's me. XXXX XXXX XXXX, the NATURAL PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified on Wednesday, XX/XX/XXXX that a judgement was placed against my name, and a lien placed on a property I co-owned with my husband. We were notified of this judgment by the closing attorney, two days before the closing of our land was scheduled ( XX/XX/XXXX ). We were told that a large amount of money would have to be paid at closing. I called to speak with XXXX XXXXr, General Manager of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- the law firm representing the creditor, XXXX XXXX. I was notified by the closing attorney and by XXXX XXXX that my social security number matched their records, and that this judgement was mine. I do not recognize the name of the credit card in question. The card name is from the XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/Mastercard . XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( a partner who recently merged with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) informed me that this was the name of the card used to accumulate these charges. I do not recall having a credit card by this name. When I googled " XXXX XXXX XXXX '', a few real estate developer names appeared. I could find no record via internet search of XXXX XXXX XXXX being in partnership with XXXX XXXX XXXX. I have no bank statements in my records from any such company. When I asked for a copy of all of the charges and purchases placed on the card, both XXXX XXXX and XXXX XXXX stated that they did not have this information in their records.
With two days before the closing on the sale of our land, I had to make the decision to deduct {$8800.00} from the cash sale of our property to pay XXXX XXXX. If I had not paid this amount, my husband and I would have lost the sale of our property. This amount was wired, in full, and received by XXXX XXXX, listing XXXX XXXX as a Beneficiary.
I am concerned about these charges being fraudulent. I checked my credit report today, and there was no record on my XXXX credit report of these charges. Furthermore, I never received an affidavit of service related to this lawsuit. I have also never received any notification of the judgement from The County of XXXX. The first I learned of this lawsuit was two days before the closing date of our property sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a vehicle through XXXX XXXX with Westlake Financial Services. Months after the purchase, I had to make major repairs ( replace the engine ) and that has continued now for 2 years! Anyway, the truck was in an accident which took months to resolve. During which time, we had no choice but to repair our only vehicle. I contacted XXXX to ask how to sign over the insurance check to them to pay the loan balance in full. They went back and forth first telling me it is n't an issue, then calling and telling me I could n't use the check for that then calling back and saying I could, etc. Eventually I had a supervisor confirm that I could pay off the loan that way. Anyway, I received the check, endorsed my portion and mailed it to XXXX on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. At the end of XXXX XXXX called saying they never received that check. At THEIR behest, I contacted XXXX XXXX and requested a stop payment be placed on the check mailed around XXXX/XXXX/XXXX and a new check was issued on XXXX/XXXX/XXXX. I received that check, endorsed my portion again and mailed it via USPS priority mail. I have confirmation that the check was delivered to their lockbox in XXXX XXXX, CA on XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating that the account " has been paid in full ''. Today I received a voicemail that I returned to be told that the payment was not processed due to a " stop payment '' and that they are attempting to collect the balance owed. The stop payment was issued on a check that they INSISTED that they did n't receive!!! Now they 're adding fees to the balance that DOES NOT EXIST meaning that I owe even MORE money to them! Please help me! I am a " single '' ( currently engaged ) mom of a XXXX XXXX XXXX year old child as well as a " XXXX '' XXXX year old and this is my only transportation to WORK, the XXXX, XXXX, XXXX, XXXX, etc. I paid my loan in full AFTER confirming that I was allowed to do so in that manner! Please help me keep the vehicle that I RIGHTFULLY own! This is unethical at best! I live in XXXX and have also filed a complaint here but since the business is based out of California, I am filing here too. I just want the title to the piece of XXXX truck that I paid for even during the entire YEAR that it was broke down and I could n't drive it!! Also, I have a picture of the check before I mailed it, proof it was received, proof on my online account that the balance was paid in full as well as a letter dated XXXX/XXXX/XXXX with a mailing stamp of XXXX/XXXX/XXXX stating the balance was paid in full. I am currently waiting for proof from the insurance company that the check dated XXXX/XXXX/XXXX was cashed successfully! It should n't be THIS hard to pay your bill!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/22, I received a payment of {$1400.00}. I added my bank information and attempted to transfer money to my account and Venmo froze my account. I sent an email requesting information. I chatted with a rep online, and they said they couldnt do anything nor did they have information as to why my funds were frozen. On XX/XX/22, I chatted once again with a rep and requested an update. She said account specialist are the only ones who can help. I then called and ask to speak to a supervisor who also told me only an account specialist could help. He then sent me an email with a link to upload my DL, which I did. He replied to my DL, and wrote it could take 15 days for someone to reach out. Again, its super stressful as they dont understand how urgent it is for them to release my funds. I need to pay my rent on time or Ill incur late fees, or worse, be evicted. Their lack of urgency in resolving this issue is unacceptable. They are holding my money for no reason at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have had a HELOC on our home for the past several years. It has largely gone unused. There is a XXXX balance on it. 

A couple of months ago, Specialized Loan Services, the company who had bought our loan from XXXXXXXX XXXX, began sending notices that they suddenly required flood insurance on this XXXX balance loan. ( Which hadn't been required for several years of this loan. ) Several attempts were made to contact the number regarding the insurance issue on the notice. Also note that in no place was the general customer service number for the company provided. Most of those attempts at contacting their insurance division led to a voicemail system that failed after the information was put in. Honestly, they very well looked like they might be scammers. 

Finally, after another notice, I was able to get through to that insurance verification department and get the general customer service number to cancel this loan, with a zero balance on it. I called this department on XX/XX/XXXX and informed them of the intention to cancel. They advised that a payoff statement would arrive in 5-7 days ( for a XXXX balance loan ). It didn't. I called back on XX/XX/XXXX and learned that they had charged the insurance to my loan for the amount of XXXX. They informed me that it was bought on XX/XX/XXXX, the FIRST day I called, and it says issued on XX/XX/XXXX, the SECOND time I called. 

They took these actions without my consent or authorization and did so coincidentally on the days of both phone calls to cancel. Again, this was a XXXX balance loan and they had every right to cancel it if something didn't meet some new, criteria. This is the height of unethical behavior to apparently farm money from a loan not being used. 

Coincidentally, our house was never even noted as being in a flood plain.

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