BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/XXXX ; XXXX XXXX  inquired on XXXX XXXX, XXXX ; XXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX ; XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX  inquired on XX/XX/XXXX ; XXXX XXXX inquired something for XX/XX/XXXX XXXX XXXX XXXX inquired for something on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX inqjuired on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2019-01-24
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Under the FDCPA 1692G which gives consumers a 30 day window to dispute a debt in writing AND 1692E which prohibits using false or deceptive means to collect the debt. 

The notice I received removed my right to dispute the validity of the debt through debt validation and debt verification two separate practices. The deceptive practices taken place would be from the collection company knowing the debt is not mine because of the school was notified the information submitted was fraud. Also the alleged debt gives me no option to contact the debtor to dispute only to pay the debt. The claim I am asserting is that the collection letter misguided me as the consumer. In addition to including the the missing absent statutorily required validity language, the collection letter also invited me the recipient to please call to discuss payment arrangements circuit court decisions including XXXX v. XXXX XXXX XXXX XXXX. from XXXX, XXXX XXXX XXXX XXXX XXXX form XXXX, these cases supports the current actions are improper and is in clear violation of the FDCPA 1692G and 1692E I would like the entire debt removed from ALL agencies which credit information or reports are supplies which includes data brokers. 

Proof of Complaint Case Number : XXXX I sent information to XXXX  XXXX university and the department of education Financial Aid department informing them the information was fraud and that I should have never been enrolled in their school and I should not have had a financial aid balance with the school. The fund we're rescinded and I was never given another call or bill.

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 2020-06-05
Company: JPMORGAN CHASE & CO.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
I was alerted by Chase about suspicious activity on my credit card account on XX/XX/XXXX, via phone, email, and text message. I immediately confirmed that the transactions were not authorized and my card was canceled, I was told that I was going to be issued a new card and that a fraud investigation would be opened. 

I was notified by Chase on XX/XX/XXXX, that I would be responsible for the charges because they were not found to be fraudulent. The transactions were for {$300.00} and {$240.00} within minutes of each other on XX/XX/XXXX at XXXX # XXXX, which is in XXXX XXXX, Michiganover 100 miles from my house. I have never been to that XXXX, and I have never been to XXXX XXXX. I did not make those purchases. 

I had been previously notified by Chase about potentially fraudulent activity on my account : {$48.00} on XX/XX/XXXX. These purchases were actually made by me, from XXXX. I have attached the email receipt from XXXX as evidence that it was actually me. I do not have any order history with XXXX for the other purchases ; those were not made by me. 

I have been made responsible for {$540.00} worth of purchases that I did not make. This is not fairit 's theft, and I have not been able to get in touch with anyone at Chase to discuss this. I would like my account to be credited for {$540.00}. The letters I received from Chase say that I " received a benefit from the transactions '' ( not sure what this means ) and that my fraud claim was " researched thoroughly. '' I am not sure how this is possible without discussion with me. 

I also notice that this has been reported to credit agencies and that the investigation has been closed. This is disappointing and I would appreciate some more clarity on why Chase thinks : This was actually me who made the purchases when it was Chase who initially flagged the transactions as fraudulent. 

I received a benefit from the transactionwhat does this mean? What benefit? Paying {$540.00} for a purchase I did not make is unfair. 

This claim was " researched thoroughly '' what does this mean? What research did you do? Did you contact XXXX store # XXXX in XXXX XXXX, Michigan to verify the transaction? 

I would appreciate a response and a resolution to this. I have attached communications from Chase about these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: Global Lending Services LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have contacted experience about removing everything off my credit theres even some thing with XXXX  XXXX XXXX and XXXX XXXX that have been paid off nothing has been resolved I need this taken care of as soon as possible

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 2021-08-19
Company: Home Point Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We went into forbearance XX/XX/2020 due to COVID-19. We filed for a loan modification due to our inability to resume payments as normal. The mortgage company has lost, withdrawn, or requested corrections multiple times. The last application as well as corrections was submitted though our current bankruptcy attorney 's office. They are claiming the documents weren't received in time and telling us to complete the application for a fourth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX  my debit cards were stolen and used to withdraw {$1000.00} and {$700.00}, totaling {$1700.00} from 2 different Wells Fargo accounts. I don't know who this person was or how they were able to withdraw money from an ATM. I immediately reported fraud to Wells Fargo within a few hours of noticing the withdrawal. 

Wells Fargo denied my fraud claim. I escalated the claim and it was denied again. Wells Fargo is not honoring their anti-fraud statement that says we are not liable for purchases made without our consent or authority. 

I filed a police report. Why would I file a police report if this was an authorized withdrawal?

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 2021-09-05
Company: Experian Information Solutions 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:
I am writing to file a complaint against [ XXXX  & Experian ].

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with [ XXXX  & Experian ] to date. 
I am requesting your assistance in putting an end to this matter. 


. I have never heard of this company nor have I ever done business with them XXXX  Account Number : XXXX Prove to me that I legally have a binding associate with you because i didnt go into debt with you I defaulted with the original creditor so show me where you extended credit to me I have never heard of this company nor have I ever done business with them XXXX XXXX Account Number : XXXX Show me that you have to right to attempt to collect this alleged debt and that you are attempting to collect is it even from the right person I have never done business with this agency. 
XXXX XXXX Account Number : XXXX Send a validation of debt letter to prove I owe money them money simply stating that this is a verified account doesn't change the fact that I dont know what iti or why it is on my credit report I need to see everything you've verified this account with XXXX XXXX XXXX XXXX. 
Account Number : 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 2019-01-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The XXXX XXXX  account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Quality Loan Service Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS COMPLAINT IS DIRECTED TO QUALITY LOAN SERVICES CORPORATION IT APPEARS ONCE AGAIN THAT A SECOND DEFAULT NOTICE WITH INTENT TO FORCLOSE WAS FILED AT THE XXXX XXXX OFFICE IN VIOLATION OF CALIFORNIA PC 115 WICH STATES ITS FELONIOUS TO KNOWINGLY FILE FRAUDULENT OR FORGED DOCUMENTS AT ANY GOVERNMENT OFFICE. XXXX XXXX FALSELY CLAIMS A DEFAULT AMOUNT OF {$27000.00} IS OWED THEM, WHEN IN FACT I DONT OWE THEM A DIME!!! THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON AN UNAUTHORIZED ACCOUNT, XXXX XXXX TO DATE HAS NOT COME CLEAN ON THEIR INVESTIGATION IN VIOLATION OF 15 U S CODE 1692d WICH STATES HARASSMENT OR ABUSE SECTION 1 THE USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION, OR PROPERTY OF ANY PERSON IS A VIOLATION OF SUCH CODE IT ALSO APPLIES TO SECTION 4 THE ADVERTISEMENT FOR SALE OF ANY DEBT TO  COERCE PAYMENT OF THE DEBT IS ALSO A VIOLATION OF SUCH CODE, THEREFORE XXXX XXXX IS IN NON COMPLIANCE, THIS ALSO APPLIES TO QUALITY LOAN SERVICES CORPORATION. I RECIEVED A EMAIL FROM QUALITY LOAN SERVICES CORP ON XX/XX/2018 WICH STATED THEIR FILE ON THE DEFAULT ACTION HAD BEEN CLOSED BECAUSE THE DEFAULT WAS CURED SO WHAT EXACTLY IS THE STATUS TO DATE? I HAVE RECIEVED NOTICE THAT MY HOME HAS A SALE DATE OF XXXX XXXX! IS THIS A SICK JOKE? IS MY HOME UP FOR SALE? BECAUSE IF IT IS I DEMAND YOUR AGENCY TO CEASE AND DESIST AND TO CANCEL THE ILLEGAL SALE OF MY HOME .XXXX XXXX   HAS NOT VALIDATED THE DEBT IN VIOLATION OF SECTION 809 VALIDATION OF DEBTS.XXXX XXXX  CAN NOT VALIDATE THE DEBT AS IT HAS ALREADY BEEN ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION, THAT A FORGERY OCCURED, A FRAUDULENT GRANT DEED WAS CREATED TO FACILITATE THE ISSUING OF THE ILLEGAL LOAN OBTAINED BY USE OF A FRAUDULENT TRUST DEED. WICH MEANS XXXX XXXX IS ENGAGING IN A TRUST DEED SCAM ILLEGALLY USING MY HOME AS COLLATERAL WITH INTENT TO STEAL MY HOME OUTRIGHT A CRIMINAL ACT OF GRAND LARCENY BECAUSE OF THE VALUE OF MY HOME. ONE CRIMINAL ACT DOES NOT JUSTIFY ANOTHER SO I SUGGEST QUALITY LOAN SERVICES CORP ASK XXXX XXXX  INVESTIGATORS WHY THEY REFUSE TO CONTACT LAW ENFORCEMENT OFFICIALS ON THIS MATTER AS THE REGULATIONS AND LAWS APPLY TO THEIR AGENCY AS WELL. AND THEY CAN ALSO ASK XXXX INVESTIGATORS WHY THEY REFUSE TO PURSUE THE 2 CRIMINALS WHO TOOK OUT THE ILLEGAL LOAN IN THE FIRST PLACE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, MIDLAND CREDIT MANAGEMENT, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE PREVIOUS THIRD PARTY COMPANY THAT MIDLAND CREDIT MANAGEMENT PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR. WHEN MIDLAND CREDIT MANAGEMENT PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A. 

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) XXXX the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' MIDLAND CREDIT MANAGEMENT is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ). 

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or a countersuit will be pursued. I have proof of claim showing that MIDLAND CREDIT MANAGEMENT hired and shared my personal information with XXXX XXXX XXXX XXXX XXXX. who filed a suit fraudulently against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is being reported. I see repetitive CO marks and invalid date of last activity, XXXX shows XX/XX/XXXX, XXXX   XX/XX/XXXX and XXXX XX/XX/XXXX. This is a clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: I.C. System, Inc.
State: OH
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:
Hello. 
I original had and outstanding debt with XXXX XXXX XXXX many years ago, they turned the account over to an Collection agency ( XXXX XXXX ). I called XXXX XXXX and we reached an settlement and I paid instantly the amount they offered which was XXXX on XX/XX/2018. Come XXXX I receive a notice from XXXX XXXX informing me that something was added to my credit report. I reviewed what was on their and it was a new collection agency ( I C SYSTEM INC ) I contacted the company to find out who was the original debtor and I was told XXXX, I explain to the agent that I never had an account with XXXX, then they stated, well, XXXX XXXX XXXX. I implied I did have an account with XXXX XXXX and that we had reached an agreement and it's paid in full. Then I was told the records show that I haven't paid anything and I owe XXXX. I ask her can I have an fax number or email to send my proof and I fax it to the company and its still on my credit report as closed but still reporting as derogatory bringing down my score even more when I'm trying to build my credit back up. I paid everything that was delinquent on all XXXX credit report and now they placed this account on XXXX. I disrupted with XXXX in XXXX XXXX and I was emailed that I C System reported that it's verified as accurate account. This company continue to report past due since XX/XX/2018 till current. I have already been reported for this month of XXXX. 
Can you help me with this 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 2019-10-11
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I began my student loan repayment journey being {$46000.00} in debt ( XXXX approx ). NAVIENT was handling the forbearance's/deferments. Every single time I called them, I was given different information ( this was prior to XXXX ) and there were many days that I called multiple times, spoke with different people and received completely different answers ( in regards to how much to pay, how long, and they honestly never really answered some questions and were very dismissive ). I lost my job and struggled to find a new one for some time but when I finally did NAVIENT informed me my payment would be well over what I took home in an entire month. They told me that if I didn't agree to the terms then I would be in default. I was so angry that I hung up. I called back again and was able to have some sort of extension until my pay was regular and I thought that I could trust them. Before I knew it, my loan had ballooned from the original amount to OVER {$120000.00}!!! There is no way that I will be able to repay that at what they expect me to. Every single time that I would call they would tell me that my loans had been sold/transferred and that there was another fee and more interest. 
I am now very much at risk of having a very good job offer rescinded because of my student loans on my credit report as I had to contest my report and explain what happened. I believe that NAVIENT has acted predatory towards borrowers and it affects our livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job on XX/XX/XXXX and got a new job on XX/XX/XXXX, I had to file Chapter XXXX on XXXX/XXXX because the impact from the unemployment was too much, The bankruptcy included one month of mortgage, I am two months behind and keep trying to catch up. I filed a modification today just to catch, my attorney said to wait until the bankruptcy is confirmed well in the mean time Ocwen sent me to an attorney for post petition fees ( attached ). In XXXX I lost my job and was unemployed for several months and filed for forbearance with Ocwen, it was a disgrace and a XXXX show, it took 8 months to get approved, I involved the FHA and I filed with CFPB. I did not have the energy to deal with Ocwen this time but I will not allow them to take my home, I am in the process of Bankruptcy XXXX and just sent them a modification. I would have filed sooner but the Chapter XXXX is dragging out because of objections related to Ocwen and XXXX taxes, everything is in place now but now I received this letter relating to my mortgage, I pay every month on my mortgage and I AM NOT 3 MONTHS BEHIND so I do not know what Ocwen is doing. I am filing this complaint because they are the most vial company around. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: MO
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 ; Experian and XXXX are incorrectly reporting the XXXX  XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted 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 non-monetary relief