BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-18
Company: Experian Information Solutions 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 have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... XXXX, XXXX, & Experian to this date XXXX-17 they have not provided me with the original signed documents that I have  requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over XXXX hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXX-17. 
I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score. 
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc. 
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.

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 2019-05-18
Company: Enterprise Acquisitions
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with XXXX XXXX XXXX XXXX XXXX for more than XXXX XXXX wants, {$210.00}

Company response to consumer: Untimely response
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
victim of id theft these are the accounts that are not mine XXXX XXXX balance XXXX opened XX/XX/XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX/XXXX XXXX balance XXXX opened XXXX XXXX XXXX  XXXX XXXX balance XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX  XXXX a balance XXXX opened XX/XX/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 2019-10-04
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid to get my credit repaired and they did not do anything but take my money for six months Im not sure of the exact date but it was somewhere around XX/XX/XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received notice from XXXX  that a derogatory XXXX was places on my XXXX and XXXX reports from XXXX XXXX XXXX for a payday loan from XX/XX/XXXX in the amount of {$460.00}. I have never received any communication from this company and I have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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 have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... XXXX, Equifax, & XXXX to this date XXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over XXXX hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXX-17. I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score.
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc.
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: BARCLAYS BANK DELAWARE
State: MS
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:
On XX/XX/2019 I sent via certified mail a request under the fair credit reporting act section 623 requesting basic information that they should have to verify that barclays bank was accurately reporting information on my credit report. My letter was delivered on XX/XX/2019 at XXXX. My request was ignored by barclays bank in violation of the FCRA and they did not respond within the 30 day window the law allows or even bother to respond at all.

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 2021-04-23
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit that was taken care of years ago by the original creditor. The original creditor has deleted the account and sent a letter that after they investigated it they deemed it fraud. Now, years later as I am set to close on a house next week, I get hit with a collection agency for that same account. They said it will take 90 days to investigate and refuse to provide a letter to help me close on my house. This account IS NOT MINE!! I have attached the letter from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Seterus, Inc.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For many years I have been facing an execution process of my property that was financed through a conventional loan through XXXX XXXX. c/o Seterus. 
I recently learned that XXXX was facing some cases or lawsuits due to mismanagement of the mortgage loans and the undue payment of interest in which I was a party affected. 
I understand that I have been a victim of these mismanagement and they continue to affect the present. 
I am currently at imminent risk of losing my property, I understand that I am a victim of fraud. I need to take action immediately.

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 2019-05-10
Company: CNG HOLDINGS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made XXXX XXXX XXXX aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is serviced by PHH and they claim it is {$9900.00} past due ... .13 payments of {$810.00} regular payments. They claim the P & I = {$450.00} and {$370.00} escrow per payment. They claim that a modification was offered in XXXX but do not have a payment plan amount on the record. These acts are a clear violation of CFPB and RESPA law. They also do not a have full payment history or any accounting records relating to the mortgage loan. They claim that the payment plan for {$1700.00} per month was set on a temporary basis, but have no explanation mathematical breakdown or the long term goals of the payment plan. PHH claims the principal balance is {$140000.00} with a maturity date XX/XX/XXXX The original loan amount {$140000.00} and the debt was paid down to {$100000.00} in XXXX. There is absolutely no way the balance on this loan could have accelerated to a {$140000.00}. PHH claims a shared appreciation modification or " SAM '' modification was executed with a {$830.00} waiver. There is absolutely no net tangible benefit this this deal. PHH has assigned a foreclosure sale date XX/XX/XXXX through XXXX aXXXX XXXX. PHH has refused to offer mediation through IN 32.30-10.5, which is a violation of IN State law. Overall, the RESPA, CFPB and HUD violations run wild on this case. sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Experian Information Solutions Inc.
State: AZ
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:
The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit inquiry and credit card account is valid and do belong to me. The XXXX XXXX and XXXX XXXX  XXXX XXXX credit inquiry is mine and do belong to me. I gave authorization to XXXX XXXX and XXXX to pull and access my Experian and XXXX 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 explanation
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/XXXX I was charged a total of four overdraft fees of XXXX each totaling XXXX On XX/XX/XXXX I was charged an additional charge of XXXX totaling XXXX Capital one 360 bank charged me a total of XXXX $ charges on my account when I would consistently check my app before placing a charge, I escalated this issue several times and the company has denied taking off some of these fees because they are highly excessive. The app would be deceitful and show a available balance and than the next day show a negative balance. I had to pay a total of XXXX XXXX I need some assistance and someone to investigate into this case. 

I escalated this to every department available at Capital One 360 and they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b  ). 


1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$3000.00} -This is not my account.

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 2017-11-18
Company: First Data Corporation
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was hacked or my P.C. was compromised in XX/XX/XXXX. My bank closed all my accounts, and then gave me new checks, new account number and new bank cards. The police told me to cancel all my accounts and asked for new account numbers. I did this and in doing so found out one of my accounts had been scamed for XXXX. I have since received that money back from that account. I also called XXXX and gave them this same information. I have been with XXXX since 2001 and as soon as I got new cards from the bank called and told them of the new accounts. I then listed 4 cards which are on that account and I have been ordering with no problem. Then I get this letter and many phone calls 2 and 3 daily at all hours about an account that was being handled by them to collect from me for XXXX. On the letter to me it says this account was closed. I believe that they ( XXXX ) turned over my old account which was closed due to the Hacking. I do n't know why and I just yesterday talked to Customer service at the XXXX home office and since it was the weekend she suggested that I call and she gave me a number for XXXX Account Specialists on Monday..I had intended on doing that but I would like for these calls to stop. I have no intention of NOT paying I just want to know why XXXX did this with my account and is still letting me buy and I had informed them of the scam. It has been something I never had happen before and I sure have been careful not to put any of my numbers on the internet simply because I do n't trust anyone. I just will not pay this collection agency and if they want to take me to court like they say I have plenty of written proof of what I am telling you today. I am on the verge of closing my account with XXXX after all these years but I wo n't be a party to this TRS agency collection calls. Thanks and if you can help I would appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: Phoenix Financial Services LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Phoenix Financial Services on XX/XX/2019 about an alleged debt. The alleged debt was in the amount of {$500.00}. The original creditor is XXXX XXXX XXXX XXXX. The current creditor is XXXX XXXX XXXX. I responded to PFS via letter requesting verification of the alleged debt. My letter was mail to PFS on XX/XX/2019. I received a response from Phoenix Financial Services on XX/XX/2019. The response did not include sufficient verification of the alleged debt. Also the response was outside of the 30 day response window.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX and now in Delinquent and charged off

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 2019-05-18
Company: EQUIFAX, INC.
State: SC
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:
Hello, I've mailed in these documents via certified mail, and I'm upload them as well. Please see attached and removed these accounts that I am disputing as they are fraudulent and not opened by me. I've attached the documents required as stated by the representative I've spoke to over the phone, and outlined by the FTC and CFPB 's website. A consumer reporting agency shall block the reporting of 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. Please send me a updated copy of my report to my address on file. At this time I do not wish to place an extended fraud alert on my profile, I would like for the initial fraud alert to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
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:
On XX/XX/2019, 2 young men came to my door. They asked me several questions about my XXXX XXXX XXXX bill. They said they could lower my bills for Internet and TV and give me a free cover for my doorbell and it was included. They led me to believe that they were from XXXX XXXX XXXX. No other companys were mentioned. I allowed them to come in. They took several minutes, inputting my info into their ipad. During the process I specifically told them that I didnt want my credit pulled. After they was finished getting all my bank info, I specifically told them that I didnt want automatic payments for my TV & Internet. The last stage of this meeting was to speak to someone on the phone. Thank God for that step or I would have been duped into this loan that i did not need or want. I specifically have a No Soliciting sign on my door. Those guys approached me like they wasnt selling anything that they was there to lower my bills! I know those calls are recorded so someone should listen to it!! I was in complete shock. The man on the phone told me that i was applying for a {$1300.00} loan for a doorbell camera!, they were going to take out {$70.00} a month automatic payments!! I ended the call. Told those 2 men that I wasnt interested in anything like that! I just wanted my bills lowered. You can hear me say that in the call! Then i asked them to leave. The next day I contacted XXXX to dispute the credit pull. Their response was to contact Citizens Bank to resolve the issue and gave me a phone number. I called the number and their response was email client support. A couple days go by and i get a reply to my email. Their response was that i had signed up for a XXXX XXXX Loan Payment type of loan and they are not removing it from my credit report!! By the misrepresentation by those 2 men will cause that hard inquiry on my credit report for 2 years. This complaint is about Citizens Bank and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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