BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked XXXX to give me a quote for internet, they asked for my social security and ran my credit, I never signed anything and ended up buying internet with XXXX, now I find out I have a collection from XXXX from 11 CHARTER COMMUNICATIONS LLC for {$170.00} I don't owe this company anything and because they put a collection on my credit report I have been in a very bad situation. 
I made a dispute trough XXXX XXXX and they responded I owe this but I don't. 

this is the collection information : Collection Agency AMSHER COLLECTION SERVICES INC Original Creditor Name CHARTER COMMUNICATIONS LLC Date Assigned XXXX XXXX XXXX Original Amount Owed XXXX Amount XXXX Status Date XXXX XXXX XXXX Status UNPAID Balance Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
Company: Caliber Home Loans, Inc.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I CONSUMER entered into a consumer credit transaction with Caliber Home loans XXXX of XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction my finance charge is {$91000.00} but Im being charged {$230000.00}. The finance charge does not include cash, but Caliber Home loans took cash. I Refinanced my home XXXX of XXXX. When I refinanced my home and I finally did receive my new contract it stated a monthly payment of {$920.00}, when that's not how much I was supposed to be paying. So I the consumer sent in a Debt Validation Letter, Affidavit of Truth, and Cease and Desist. Caliber home loans received my paperwork but failed to fill out the requested information and return the paperwork to me. They instead just sent a letter stating they received my paperwork but that's it. Caliber Home loans is in violation of 15 USC 1692e ( 11 ) failed to disclose that this is an attempt to collect a debt. 15 USC 1692 the FDCPA never uses the term borrower but I been referred to as a borrower throughout my contract. Caliber home loans is in violation of 15 USC 1692e ( 2 ) my contract shows false representation of the amount, anything that is owed should be shown in the negative not positive, it looks as if I'm owed the money Exhibits XXXX, and XXXX. Caliber Home loans is in violation of 15 USC 1692b ( 5 ) using symbols on envelopes, that is effected by the mails exhibits XXXX. Caliber home loans is in violation of 15 USC 1692j for designing a contract that has false and misleading information used to create false belief in a consumer. Exhibits XXXX and XXXX will show mailed receipts and, the letter they sent stating they received my requested information, but never responded after that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NJ
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:
I did not authorize the following inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
WE ARE VICTIM 'S OF CHECK WHITEWASHING. MY MOTHER WHO IS XXXX XXXX XXXX AND BESIDES HERSELF OVER THIS ORDEAL, WROTE OUT XXXX CHECKS - # XXXX AND # XXXX - FROM CHECKING ACCOUNT # XXXX - MAILED IN THE SAME ENVELOPE. MY NAME WAS ALSO LISTED AS ACCOUNT HOLDER ON THIS NOW CLOSED ACCOUNT. SOMEHOW THIS ENVELOPE WAS INTERCEPTED AND IT WAS REALIZED ON XX/XX/XXXX, FROM REVIEWING THE BANK STATEMENT THAT CHECK # XXXX WAS FRAUDULENTLY CHANGED TO A DIFFERENT NAME OTHER, NAMELY : XXXX XXXX AND CASHED IT IN THE CHANGED AMOUNT OF {$6800.00}. IT WAS ORIGINALLY MADE OUT TO " XXXX XXXX '' IN THE AMOUNT OF {$80.00} AS A DONATION TO HER PARISH. WE PUT A STOP PAYMENT ON THE SECOND CHECK BUT APPARENTLY, IT TOO WAS WHITEWASHED AND THERE WAS AN ATTEMPT MADE TO PAY OFF SOMEONE'S PARKING TICKET. 

ON XX/XX/XXXX, I CONTACTED CITIZENS BANK AND SPOKE TO XXXX XXXX TO INFORM HER AS TO DETAILS OF WHAT TRANSPIRED. SHE SAID SHE WOULD GET BACK TO ME ON IT. SINCE THEN, WE HAVE WRITTEN TO THE BANK, SPOKE TO SEVERAL EMPLOYEES AND FOLLOWED ALL OF THE BANK 'S REQUEST AND WAITED FOR RESOLUTION WE SEEK WHICH THEY ASSURED US OF. THEY BEGAN CHARGING FEES ANDD PENALTIES FOR OVERDRAWN CHECKING ACCOUNT, FOR WHICH WE LATER- WITH HAVING TO SPEND TIME AND ENERGY DEALING WITH NUMEROUS BANKING PERSONNEL - MANAGED TO GET REIMBURSED. THE LAST LETTER SAID THEY WOULD LOOK INTO AS IT USUALLY TAKES 6-8 WEEKS TO FOR A CLAIM TO BE RESOLVED, AND AS WE ARE APPROACHING ONE YEAR, WE STILL HAVEN'T HEARD BACK WITH A RESOLUTION SINCE ; THEY'VE ONLY PASSED THE BUCK ONTO XXXX XXXX XXXX AND WE HAVE NOT HEARD FROM THEM SINCE XX/XX/XXXX IN A LETTER RESPONDING TO MY XXXX COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: TX
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 non-monetary relief
Consumer complaint received 2020-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked 5 flights through XXXX online Travel for myself and family. The airline is XXXX. The flight was booked XX/XX/XXXX. The flight was scheduled for XX/XX/XXXX. The flight was paid in full using my USAA credit Card. The flight was cancelled and the company XXXX  and XXXX are refusing to refund my monies, so I have turned to my credit card company USAA and they informed me that since I did not file the dispute 60 days following the close of that billing cycle that they could not help me. The issue is that I had no idea that XXXX was going to cancel the flight 9 months later and refuse me of my refund. I did not have a magic ball to see into to the future, so there is no way to file a dispute with the credit cards 60 day window when the flight was not cancelled until over 9 months later. Please assist a XXXX XXXX  XXXX XXXX XXXX Vet for monies I much need!! thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/22 I received checks from TD Bank for two accounts ( last four of acct XXXX and XXXX ) in the mail but I dont have any accounts with TD and certainly didnt order checks from them. 

Checks had on them my correct address and correct cell phone number I had recd texts from td In the week prior but thought they were spam and deleted. 

In the Fall ( XXXX / XXXX ) my brother same last. And told me he kept receiving emails about me opening accounts. At that time I called TD and alerted them of problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
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:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
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 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 2022-05-13
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My name is XXXX XXXX XXXX and I've got a notification from XXXX saying that I have a collection item on XX/XX/2022 so I contacted a collection company called " SOUTHWEST CREDIT SYSTEMS '' immediatelyto determine what's going on. 

When I called them, They didn't supply me enough aboutandkeep telling me that XXXX like to pay and what type of payment am I paying so I told that person that I want to know what kind of collection that I have and They told me you have unpaid account from XXXX so I told them I never had a XXXX XXXX before and they told me maybe a XXXX Account which I never had a XXXX account in my XXXX but they seemed don't care about my situation and even threatened that If i don't pay they are going to keep updating my credit. 

I would like to make a statement with my collection item from SOUTHWEST CREDIT SYSTEMS which is I strongly believe that this information is inaccurate. I've been using cell phone service from XXXX XXXX XXXX over XXXX  years and I never had service with XXXX or XXXX. So I called XXXX and XXXX and now they are merging so I spoke to XXXX XXXX and XXXX as well on XX/XX/2022 but they found informationbased on my social security number which is associated with a WRONG NAME. 

My Legal name is XXXX XXXX XXXX but it was associated with XXXX XXXX which is wrong information totally on theirsystem. Also XXXX XXXX willing to conference call with SOUTHWEST CREDIT SYSTEMS to verify that the information this company has is wrong and not affiliatewith mine but they said they don't want to conference call with XXXX agent and she hungup on me while me and XXXX agent was on the line and waiting. 

I strongly believe that this information is incorrect and I am requesting to start an investigation more deeply so that I will not be a victim of identity theft or misleading information. AlsoI have attached my Driver 's License front and rear and I am living in this address more than XXXX XXXX XXXX If anything is related to a different address it's possibly affiliated with Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-05-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I signed up for a XXXX XXXX new card after trying to make a purchase using my old acct there ... .i was informed that the old account in approx. XX/XX/XXXX would not allow the workers to make a purchase on my acct. XXXX the store representatives at the XXXX XXXX Mall, NY got my information and opened up a new XXXX XXXX credit card for me in which i never got the card in the mail or the account number ( although the store employees indicated that i would receive my new account and card in the mail ... .I was recently told that XXXX XXXX XXXX took over the billing for XXXX XXXX XXXX ... ..my account was paid to be interest free in which the representative at XXXX customer service collections office by the name of XXXX informed me that she did not know the percentage of payment amount that i had to pay to receive the interest free ... .she could not see the purchases i made ... my interest free ends in XX/XX/XXXX yet i am being charged as if this account is not interest free ... ... the representative XXXX could not even tell me what purchases i made the company is very unorganized nor could the store employees tell me what purchases i made in the event i would like to return an item ... ..this negligents in keeping a the aformentioned {$800.00} credit limit account open when i could not purchase anything on it and requested that it be closed in XX/XX/XXXX is irresponsible and hurt my credit score the account was just closed after i demanded it to be ... ..complaint to the store again over the phone on its XXXX customer service number ... ..i was given a number to the parent organizaation of XXXX by the representative XXXX to file a complaint although she told me she could take a complaint at XXXX XXXX XXXX - about their billing ... the lady was rude asking me the same questions over again when the stores representatives told me that i had 1 year interest free before i would be billed which was not true ... ... ... ..doing so hurt my credit score although i have made payments ... .i have not gotten one bill or a credit card on the 2nd account XXXX approved for {$6000.00} ... ..this business has behaved shady and unscruppolous who issues credit refuses to give the customer a credit card or bill and keeps open a dormant account after the customer requested it to be closed yet they continue to send a new card for the dormant account not the higher interest rate account ... i have not received one bill ... ..they should be sanctioned ... .when i go into the store or call the store reps can not tell me what i purchased or all of my payments made in the store ... ... please remove all the deragotory stuff off of my credit report by this company ... i will never make another purchase there ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is in response to complaint XXXX that I submitted to Equifax. The complaint was closed because they stated that the company was not reporting on my report when in fact it is, they are just reporting the wrong name which is even more reason for this account to be removed. The original creditor is XXXX XXXX and XXXX and XXXX are reporting the collection agency as XXXX XXXX and XXXX XXXX while Equifax is reporting XXXX as the agency name. Please see the attached credit report to show the inaccuracy that is reporting as well as the last complaint advising the credit reporting agencies to remove the account due to incorrect information and the fact that the original creditor stated that the account would be removed once paid. I am demanding that this is removed within 15 days, or I will move forward with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I logged online to check my credit so that I can start to fix it. I found false information and credit being checked with out my permission. this has kept me for taking care of my financial responsibilities. I have been cyberbullyed becuase of my non professional investigation into my financial history and progress. 

sincerly. 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, TransUnion Credit Bureaus has fail to do an accurate and fair investigation on my XXXX XXXX XXXX  dispute. XXXX XXXX XXXX filed a 1099C and has stop all collections/ forgiven this account. This account is no longer a debt, It was claimed as income for 2022 tax year. XXXX has already deleted this account, but XXXX XXXX TransUnion has falsified information on their investigation. Income is not suppose to be report on a consumer credit report. 

Internal Revenue Service ( IRS ) Publication 525, " Taxable and Nontaxable Income, '' In general, a Form 1099-C, Cancellation of Debt, is used to report canceled or forgiven debts. The IRS generally considers canceled debt as taxable income, with certain exceptions. If a creditor cancels a debt you owe of {$600.00} or more, they are required to file Form 1099-C with the IRS and provide you a copy. The amount of canceled debt reported on Form 1099-C is generally included in your gross income, which means it may be subject to income tax.

However, there are some situations where canceled debt may be excluded from taxable income. These exceptions include : Debt canceled in a bankruptcy proceeding. 
Debt canceled when you were insolvent ( your liabilities exceeded your assets ). 
Certain farm indebtedness. 
Non-recourse loans ( loans for which the lender 's only recourse in case of default is to repossess the property that serves as collateral ). 
Qualified principal residence indebtedness ( canceled mortgage debt on your main home ). 
These exceptions and their specific requirements are detailed in IRS guidelines and should be reviewed carefully to determine if they apply to your situation.

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 2020-06-09
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( XXXX ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?

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 2023-03-15
Company: EQUIFAX, 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:
Fraudulent accounts appearing on my credit report all Accounts are listed below. 
1. Us Dept Of EdXXXX {$4300.00} 2. Us Dept Of EdXXXX {$4100.00} 3. Us Dept Of EdXXXX {$3200.00} 4. Us Dept Of EdXXXX {$3000.00} 5. I XXXX XXXX XXXX {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$190.00} XXXX XXXX {$340.00} XXXX XXXX {$120.00} XXXX   XXXX {$860.00} XXXX XXXX {$30.00} XXXX   XXXX XXXX {$520.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: PA
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:
There are medical collections on my account that should not be on there. According to The Fair Debt Collection Practices Act ( FDCPA ; 15 U.S.C.

1692-1692p ) and P.L.

115-174, Section 302, provides veterans with credit reporting protections relating to medical debt, including extending the waiting period for medical debts in credit reports to one year and removing paid or settled medical debts. 

The following accounts are either less than {$500.00} and/or reported within less than a year : XXXXXXXX XXXX XXXX {$250.00} Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation