BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from ProCollect Inc. on XX/XX/XXXX, claiming that I owe a debt of {$16000.00} to XXXX XXXX XXXX. However, I don't owe any XXXXXXXX XXXX XXXX any debt and I never rented or stepped foot inside this business. 

Firstly, I find it troubling that the piece of mail serving as notification of this debt collection was not sent via certified mail. Its appearance resembled junk mail, making it easily overlooked or disregarded, especially since they only allow 30 days to dispute the debt. 

Additionally, during my email interaction with XXXX 's general manager last year in XX/XX/XXXX, it became evident that my signature on the lease agreement had been forged using an electronic signature. This is particularly concerning as the alleged signed lease agreement supposedly occurred during the time when I was traveling overseas. Logistically, it would have been impossible for me to sign the document with an XXXX or XXXX IP address. I would like to clarify that I only filled out an online application on their website to possibly live there and never signed a lease agreement with them. 

ProCollect, Inc. provided a move-out statement generated on XX/XX/XXXX to validate the debt and claim that I had made a {$100.00} deposit. However, after thoroughly reviewing my banking statements, I found no evidence of a {$100.00} withdrawal. I carefully examined each transaction last year and I am sure I never paid a deposit. Despite my explicit request for evidence to substantiate the deposit payment and signature, the debt collector has refused to provide any such validation. Instead, the collector threatened to report this debt to the credit bureau, emphasizing that it would negatively impact my credit history regardless of whether I choose to pay it or not. The collector is pursuing debt using forged documents since they couldnt prove the lease was signed by me. They simply told me it is their word against mine. 
Given the gravity of these concerns, I kindly request your assistance in addressing this matter promptly. Your expertise and guidance would be invaluable in ensuring a fair resolution to this situation. I am a XXXX XXXX and this issue is emotionally and mentally taxing for me. 
Thank you for your attention to this pressing issue.

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 2023-07-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account # XXXX I have disputed this account on Experian as I never signed up for this XXXX XXXX. 
In my online dispute, I stated the inaccuracies on this account such as an address that is not mine also the last name is different from mine. 

XXXX has sent me a letter which I will attach along with statements to my home all of which I never requested, which have someone else 's information on them I will also attach. 
This is negatively affecting me, as I have always had A+ credit.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-09-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, Please find my complaint against XXXX XXXX for deceptive business practices. I submitted my Complaint regarding home owners insurance policy which was paid by some Third Party Payment Services who acted on behalf of some Mortgage Company. 

The amount of payment was not matching my " escrow records '' prepared by XXXX XXXX XXXX XXXX This payment lacked ANY information who is Third Party Payment Services and why they have access to my escrow account.

I asked XXXX XXXX XXXX agent, XXXX XXXX, to disclose corporate identity of Third Party Payment Services ; their contact information and the name of the agent who sent this payment on behalf of some " mortgage Company ''. 

But I received an electronically signed letter from purportedly XXXX 's employee XXXX XXXX, without a last name, without any contact information, no address, no phone - who informed me that everything was done by some system who does all adjustments and who automatically sends payments. ( and letters as well ) XXXX XXXX did not answered my questions re Third Party Payment Service corporate identity and referred me back to you if I have further questions- which I do. 

I still waiting for XXXX XXXX to provide me information who is this Third Party Payment Services company and that is their corporate name, contact information ( address, phone number, email ) and the name of their agent who sent this payment. 

XXXX XXXX said that the payment was made by my faux " mortgagee '' PennyMac. 

This is not true. The payment came from som

e Third Party Payment Services who was acting on behalf of some Mortgage Company. No references to PennyMac at all. I clearly asked many times why this payment was made by some Third Party and for
corporate identity and contact information for this party. 

Now I have a robo-signer XXXX XXXX I am not sure if this is her real name since anyone can put electronic signature on the letter which is coming from nowhere. ( po box is not the address, this is a box at the local post office where somebody who does not want to be recognized picks up mail ) who tried to mislead me about who made the payments - while conceal from me her own information. 

So, I ask XXXX XXXX again, please provide me corporate identity for Third Party Company who made the payment, their contact formation, their phone number and email and the name of their agent who was authorized by PennyMac ( or someone else ) to make this payments Please provide me full name for XXXX XXXX employee XXXX XXXX, and her real address and phone number, so I can stop by at her office and talk about this matter in person. 

Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan was with Saxon in XXXX. Saxon sold to Ocwen. We had a variable loan and knew we had to refinance to a fix, but at the time the market crashed and the value of our home plunged. The county blocked jumbo loans to refinance. We were stuck. Saxon sold to Ocwen. This was when all our problems started. Our loan started out around 2.5 %. Every six months Ocwen raised my interest rate. The contract stated the cap was 2 % over the federal, At one point, the interest rate because 9.7 %. We were struggling to make the payment. Three times we filed for modification - denied. We had to file Chapter XXXX bankruptcy in XXXX. During this time Ocwen 's record of payments were not accurate. Ocwen sold to PHH Mortgage. We now had a bigger issue. Payments were not being recorded correctly. In XX/XX/XXXX, my husband passed away. With the life insurance, the bankruptcy was paid off according to what Ocwen had filed that we owed. I was discharged and the case was closed. Or so I thought. They didn't honor the discharge. They have rejected my payments by returning them. They have threatened to foreclose. Even after sending proof that all payments were made, they refuse to accept the proof. I've asked them repeatedly to explain how the payoff was applied to my account. As of yet, no answer. The amount of interest paid in XXXX was not accurate ; they refuse to give me answers again. There is a list of 20 issues of concerns and supporting documents too large of a file to upload, so a CFPB agent suggested that I mail the list of concerns and supporting documents by mail. My agent was SO knowledgeable and supporting, that I cried from renewed hope.

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 2023-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission.
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: I.C. System, Inc.
State: AZ
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 re : IC System Inc. 
I contacted XXXX on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that IC System is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from XXXX along with copies of the communication received from IC System Inc. verifying the CORRECT dates. I previously called IC System Inc. and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.

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 2021-09-15
Company: Aldous & Associates, PLLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Via Capital One online bill pay, I requested that $ XXXX be paid to [ payee ] on XX/XX/21. The payment appears to have been made as requested, sent as a paper check to the payee. Capital One claims that the check was cashed XX/XX/21, however the payee claims to have never received it. Payee has requested a front-and-back copy of the processed check to see who endorsed it and the processing information. This should be an incredibly simple request. However, I have been on on the phone with Capital One now for THREE HOURS ( over various calls and several days ) with no resolution. Three times they have sent me a copy of the original check with no endorsement or processing on the back. They give me SUCH a run around when I call, putting me on hold, transferring me to someone else, etc. The call I'm on as I type this is currently in its 41st minute, and I asked FROM THE GET GO to speak with a manager because I have learned that the people in the first line don't understand check routing and can't follow a simple request. 41 minutes in, and I still have not been allowed to talk with a manager. ALL I need is a copy of the processed check. Thankfully this is just $ XXXX, and at this rate I'd be better off just repaying it. But I'm deeply bothered by their incompetence -- what if this were a {>= $1,000,000} check?!? This is an abhorrent display of dysfunction, incompetence, and disrespect of my time. ( Information redacted due to publishing privacy concerns )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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:
XX/XX/2022 COMPANY VIOLATED MY CONSUMER RIGHTS UNDER 15 U.S. 1601,1602, 1605

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 2023-12-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , SC XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX , SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: ERC
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: Old information reappears or never goes away

Complaint:
ERC Enhanced Recovery Company was paid a total of {$200.00} for an old XXXX XXXX XXXX account which I paid on XX/XX/2022. I have XXXX letters from ERC showing my payment was received and the account was settled. I am and have requested multiple times for them to removed/delete this from my credit report and they have failed to do so. I have called them and have be redirected to contact XXXX XXXX XXXX which I have and was told they dont handle this since it was given to ERC. I have called ERC back asking for this to be removed they have told me they cant do this and I have to handle this myself reaching out to XXXX which I have but I am still waiting. I really need help with this as I am trying so hard to get approved for a home loan and this XXXX collection that has been taken care of it all comes down to this. 

Thank you so much.

Company response to consumer: Closed with explanation