BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
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 was at XXXXXXXX XXXX XXXX today XX/XX/20 trying to buy my wife a necklace but I was denied from financing ; I was confused as to why I was not approved since I have always made it a priority to maintain good credit history. I looked through my credit report and I saw a few accounts that are not mine. The accounts are from XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have never opened any account with these companies and I did not allow anyone to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from these accounts such as money, goods, services or anything else and I never made any payments to these accounts. I am still trying to figure out who these accounts belong to but I have already filed a police report. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT MANAGEMENT INC. and attorneys et all. fraudulently created a security bond without disclosure or my consent. MIDLAND CREDI MANAGERMENT mailed a document dated XXXX, postmarked XXXX, and was received by me on XX/XX/XXXX requesting response 30 days from the date in the document. Despite only allowing for n official response in 15 days, per the request, an unrebutted response was mailed to MIDLAND CREDIT MANAGEMENT XX/XX/XXXX, and arrives at the po box on XX/XX/XXXX. XXXX XXXX has no wet signature contract with MIDLAND CREDIT MANAGEMENT, therefore, no debt owed. MIDLAND CREDIT MANAGEMENT has violated ( 17 C.F.R. 205, 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others. I will also be contacting the Texas Attorney General, the Securities Exchange Commission, XXXX XXXX of Texas as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently agreed with my mortgage loan servicing company to short sale my home. It was the only option giving to me at that time. I was giving a contact agent ( XXXX XXXX ) at Fay Servicing , LLC. I have not been able to contact him at all after he told me that the best way to contact him was by email. In our original conversation ( the only contact I had with him by email ), he told me that he submitted it to the XXXX XXXX Department. It has been several weeks and no contact by either him or the XXXX department. I was also told that if I had a realtor that the agent should contact him for further directions and the handling of the sale of the home. To date, we have heard nothing from XXXX XXXX. We need contact from him, as I feel we probably could have sold the home by now. I also believe this may be a stall tactic to foreclose on the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and the debt collector below ( Carter Young ) has placed an account ( XXXX XXXX / {$440.00} ) on my credit report. I CONDITIONALLY ACCEPTED CARTER YOUNG 'S CLAIM UPON BONA FIDE PROOF ( in good faith and without deceit ) that your claim is lawful and valid. Carter Young refused respond to my letter as directed because " I don't owe a debt to Carter Young ''. This means that Carter Young has no right to report this account on my credit. Carter Young did in fact send a statement with conflicting dates as to when they initially verified the debt. This proves that Carter Young is committing fraud. I will attach all supporting documentation.s Carter Young XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I, along with my advocate from the Office of Congresswoman XXXX XXXX, has asked that XXXX contact me by mail only. Since making this request numerous times, XXXX has stated in their most recent letter the numerous attempts to contact me by phone and most recently resorted to using intimidating and aggressive tactics such as posting mail on my door indicating a Notice of Default and listed a Trustee 's sale date of XX/XX/XXXX 

In the last few correspondence submitted through the CFPB, requests were made asking XXXX to provide dates in the month of XXXX for me and my advocates to come and review files in XXXX headquarters located in XXXX XXXX XXXX, Utah. The most recent letter received by XXXX neither specified a date nor acknowledged the requests. A month 's notice is required by my employer before consideration can be given for time-off requests. Hence, I need to submit a request as soon as possible and subsequently secure travel plans. 

Additionally, the issues raised in the letters are not redundant but instead seek to compel XXXX to submit valid supporting documentation to support their erroneous claims. Copies of Assignments from the County Recorder 's Office provided by XXXX do not indicate the transfer of any rights to XXXX. XXXX XXXX name appears nowhere on the documents. Instead, XXXX repeatedly refers  to a Trust ( XXXX ) that closed in XX/XX/XXXX, according to the IRS, The Security and Exchange Commission, XXXX XXXX and the State of XXXX  Division of Corporations where the Trust was registered and terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to settle this debt with Cach for several months now ( from XX/XX/2020 to present ) and all I get is the run around from them. The debt is in the amount of {$2700.00}. There was a good offer of 50 % but I didn't take because I was short of funds. Then they asked for 70-80 %. WHY????. Do they just scam people and offer one thing then would you tell them you are short funds they ask for more money. If I can't afford it at 50 % what in the XXXX makes them think I can at 70-80 %. I'm offering a deal at 40 % which would be {$1000.00} and is more then fair. This is best and final!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by a man 's niece through the XXXX pet-watching app. She was requesting pet-watching services for her uncle that was moving to XXXX. She provided me with his phone number, and he contacted me, first appearing legit. However, soon after he sent me a check through the mail to use for purchasing supplies for his cat, and to pay me for my first week of work. Upon depositing the check, he then asked me to send the money back to a " personal shopper '' because he wanted to use that service instead to obtain the supplies. I fell for it and sent {$500.00} dollars via Zelle on the XXXX app to a Zelle account registered to XXXX, phone number XXXX, and email : XXXX. Unfortunately, my bank informed me that there is no way that I can obtain my money back since I technically authorized the payment through Zelle. I have been in contact with my Bank, and they reassured me that I don't need to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CAINE & WEINER COMPANY, INC.
State: CT
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:
XXXX put me in collections and is hurting my credit big time my ex husband used my name for insurance and was not responsible to take care the payments so now As a XXXX  parent I am supost to pay some bill that is not mine! Caine & wainer is putting my credit score down and I dispute this many times and nothing ia getting done! If was my bill no problem but I cant pay some that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Alpha Recovery Corp
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am not disputing the amount of money i owe. Three ( 3 ) times i have set up a payment plan on their website. Each time they never took the funds. I am writing this complaint to get them to stop calling my grandmother who is hard of hearing and gets very agitated when being spoke to rudely on the phone. I have already asked them once to stop calling my grandmother, but they continue to do so. I just ask that they deal with me and stop harassing my XXXX old grandmother.

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 2019-03-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I continue to dispute the debt and the payments I am making to the extortionists There was no balloon payment to XXXX XXXX  loan paid off in XXXX. 
The balance was paid off by the XXXX loan paid off in XXXX. 

The XXXX card was a fraudulent lien on a mortgage I assumed in XXXX I did not refinance. 

No one gave me any money. I did not borrow any money I paid {$75000.00} to the escrow account for less This is the {$27000.00} XXXX card. 
1. It is unsecured 2. Discharged in bankruptcy 3. It was prepaid 4. I used {$19000.00} with Interest 5. I paid back {$16000.00}.

6. I did not owe {$3000.00} interest. 

I owe them {$0.00}. 


They owe me {$27000.00} + XXXX they were just paid. 

They did not pay my taxes and insurance I already paid in my house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  falsely reported payment dates on my credit report and also reported payments as 30 days late. The payments were not 30 days or more late. This company has their own system of how they report late payments. But credit bureaus can not acknowledge payments that were not 30 days or more late on my credit report as late payments. I have sent in documentation of my billing and payment history as well as disputed this twice through Equifax and they will not fix my error. They are saying that it was reported accurately. I recently sent them documentation proving otherwise in the company has yet to update it. All they say is XXXX is saying they Certify what they report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contact this collection agency for over month now requesting supporting documents that they accused saying i owe them and their response are that they do not have any information to provide to me and according to Federal law this merchant to ensure this item actually belong to me and this item they reporting to credit bureau are misleading, inaccurate and incomplete and i feel they have violated law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: U.S. BANCORP
State: NC
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:
I did not request these inquiries contact company and company did not see anything on file

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 2023-01-10
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:
I have reached out to XXXX, Equifax and XXXX for over 2 years regarding XXXX accounts that are not mine reporting on my credit reports. They refuse to prove to me or show evidence that these accounts belong to me and they won't remove them although I have told them I have been a victim of identity theft 2xs in my life. I just want them to stop ruining my life and delete this false reporting from my credit reports. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1000.00} Open XXXX XXXX XXXX BANK XXXX A and XXXX XXXX Last reported XX/XX/2022 {$190.00} Open balance XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
There's been an error on the part of CHASE into my HELOC that has caused me tremendous grief and being on the phone for over three months. They are snarky and just awful -- which is the way people behave when they hold all the cards and there is no one minding the store. This behavior is abusive!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Information belongs to someone else

Complaint:
This complaint comes forth, as I have notreceived a response in regards to my dispute that did not line up with the documentation I have provided. Please acknowledge that I AM IN FACT THE INDIVIDUAL that is disputing this fraudulent information listed on my credit report. I have provided more than enough documentation supporting the disputed information caused by identity theft. Please comply to the FAIR CREDIT REPORTING ACT 605 ( B ), which states that any fraudulent or inaccurate information resulting from identity theft must be blocked from the consumers file. These are the fraudulent accounts that are showing towards my personal credit profile : 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 explanation
Consumer complaint received 2020-10-28
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander consumer financed a vehicle for me in XXXX of 2014. For one they didnt ask for paystubs to see if you g I could really afford the car they just gave me a certificate to go to the dealer and pick out the car. I have paid Sandtander almost 15000.00 in interest and still owe them almost everything I owed when I got the car. I was taken advantage of by Santander from day one and they still want another ther XXXX for a car thats only worth XXXX. I want this loan settled and closed and I want my title ASAP! I did receive the letter advising that they owe me money but I want my title also. If they dont fix this situation ASAP they are going to hear from my attorney and I will also report them to my local news station.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: IL
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:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX I know nothing of this debt, But I am constantly getting calls and mail In regards to this debt, I am a consumer and my rights as a consumer matters, If your organization is unable to help me, I will speak with my lawyer, I would like a response within 15 days please. 

XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX A Account number : XXXX Date opened : XX/XX/2022 Account type : Open Account Status updated : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've attempted more than 5 times to submit a dispute online with XXXX at their website : XXXX XXXX XXXX and everytime it states that the information that I entered does not match their records. I was able to successfully submit dispute with XXXX  and XXXX in regards to the same account ; Portfolio Recovery Associates for amount of {$600.00} opened XX/XX/XXXX. Investigation has been conducted and found in my favor that I did not own this account. However, online is impossible to submit dispute with XXXX and today XX/XX/XXXX I have been calling all day to the number : XXXX and XXXX and every representative states that their undergoing system updates and can not assess anyone 's account to call in 30 minutes and this has been going on since XXXX this XXXX XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my credit report that I do not recognize. I have been a victim of identity theft in the past, so this isn't a surprise to me. But these inquires must be removed. 

None of the companies have responded to my requests for removal, neither have the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: U.S. BANCORP
State: NV
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:
US bancorp Opened my business credit cards incorrectly, I was only able to access my personal card, not my employees cards for payment. I was told by the customer service rep over the phone that all billing would go to that card, central billing, I would pay it through my personal US Bank Login like all of my personal accounts and cards. So I continued to pay that card, unaware that they had never setup a corporate account for me to actually pay for the other cards, or that this was even a process that needed to be done. Their rep did not inform me, nor did he follow through with any setup. 

Upon finding out the error, I had a balance on one of the cards that was over 30 days, I went into my local branch, contacted US Bank support, paid the balance, and had the bank setup the account the way it should have been originally. They only allow a written letter to resolve these issues, so I took the extra time to fix their mistake, and they still are showing a 30 day late ( the only one in my entire 17 year credit history ) on my credit reports.

This joke mailing paper to them when they could easily correct this is a direct attempt to put the work of fixing their problem on me, and I'm over it. I mailed them an archaic paper letter, and waited a month for their letter to come back, which stated they resolved it, its still showing on my credit report though. They need to fix their mistake fully, which includes notifying the bureaus that i was NOT late on my payment.

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