BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-18
Company: Midwest Recovery Systems
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: Account information incorrect

Complaint:
I received a notification from XXXX  that I had an account in collections in the amount of {$200.00} from creditor XXXX XXXX XXXX XXXX. This was being handled by a collections company called Midwest Recovery Systems. 

I have no such account, never heard of XXXX XXXX XXXX XXXX, do not EVER use pay day loan services, received no notification from Midwest by phone, email or mail that an account was in collections. 

I suspect my information was bought or stolen. Some research online revealed that this is a common complaint with Midwest Recovery. How was this information not validated before this was placed on my credit report? 

This is complete and total fraud and identity theft. I want this collection charge removed from my credit report immediately and I want written notification from Midwest that my information will not be used for fraudulent purposes again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: WELLS FARGO & COMPANY
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
First of all, I have no idea if this is real or a scam. I have no recollection or awareness of the debt they are claiming I owe ( they are saying I have a debt to Wells Fargo attached to a bank account from 2004 ), but if it is a real debt that somehow I forgot about or didn't know about, their tactics are completely inappropriate and probably illegal. 

I received a voicemail on my work phone saying I was being sued and was going to be served with documents the next day if I didn't call back. Asked me to call XXXX and provided a case number ( XXXX ). The voicemail said the person was named XXXX XXXX calling from " The XXXX XXXX XXXX '' but no other company name or anything was given. 

I called back, and someone answered the phone " corporate office, '' and I asked " what is this the corporate office for? '' and she said " I answer the phone for 8 different law firms, whats your case number? '' So I gave it to her and she connected me to a woman who said her name is XXXX XXXX and she's with a law firm called XXXX XXXX XXXX and I'm being sued by Wells Fargo for {$3300.00} for an unpaid debt from 2004 for {$1100.00}. She said I have to pay immediately or they're going to repossess my car and garnish my wages. I asked what my car has to do with this and she said they want their money so they'll seize assets if they have to. 

I told her I have no idea what this debt is and why is this the first time I'm hearing any of this, and why doesn't it appear anywhere on my credit report? She said because it's not a credit card, it's a bank account debt and those don't show up on credit reports, but if I don't pay this money my credit will be ruined. I think she said it had to be paid in 10 days. 

I asked if I can dispute it and she said yes but the only way to dispute it is to go to court and then I have to pay all the legal fees. 

She said maybe she could get it down to 50 % and I said ok but I'm not paying anything until I see some documentation. She said ok and that she would email it to me, so I gave her my email address. 

I never received an email, but roughly 24 hours later I received another voicemail from her ( this time calling from XXXX ) asking me to call her back.

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 2019-01-18
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 XXXX XXXX  inqury that I did not authorize XX/XX/2018 XXXX XXXX  inqury that I did not authorize Credo XX/XX/2018 and XX/XX/2018 I have never heard of this company and did not authorize

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 2019-01-18
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 chase card inqury that I did not authorize XX/XX/2018 chase card inqury that I did not authorize XXXX  XX/XX/2018 and XX/XX/2018 I have never heard of this company and did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CommonWealth Finance added ( 1 ) collection to my credit reports without my knowledge! I checked & can't verify their registration in Florida! BOTH are FDCPA violations! CommonWealth Finance put  collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the FL Secretary of State that they are registered in Florida which is also against the FDCPA! I had requested that CommonWealth Finance verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. CommonWealth Finance also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law i contacted them and they told me they do not by law have to give me the information I requested which they stated when asked about who's name it's in its not even my bill but because that person is on my insurance they could put it on MY credit report which is illegal and that they are allowed to put it on my credit before contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: MD
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:
My Problems with Equifax Hello my name is XXXX XXXX XXXX, and I am sending this letter to describe my problems I have been having with Equifax since XXXX. Ive been told Information has been Correct to be mine over & over again, when I have been giving information from sources which were previously available on Equifax that don't belong to me. A Home Mortgage, Student Loans, other banks or loan accounts, Birth date & year. 


Since XXXX I have spoken to the places that can Verify this information is wrong, such as XXXX ( XXXX ) which before speaking to anyone lets you put in a Social Security number, Etc that will tell you that youre not in the system. But if I use the information that Equifax claims belonged to me it literally details this other person Current living address and Phone Number which is the Home that was Bought with the Mortgage. Now that all the information was removed from Equifax I cant Dispute anymore to fix the problems since it requires me to give the agent information I know nothing about such as previous payments, closed accounts. They would either let me through to dispute or just hang up on me and disputing on Equifax website doesnt make it better.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX, XXXX has reported incorrect information that I owe the amount {$1200.00}, I have sent a notice of state and federal validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 made numerous attempts to XXXX XXXX XXXX XXXX to correct my Trans Union credit report. I have spoken to them on the phone and they insist no charge off exists. However, when I view the credit report online it says I have a charge off with them. I have but no charge to ask for your help in the hopes of clearing up this matter.

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 2019-01-18
Company: DISCOVER BANK
State: OK
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:
Incorrectly charged by vendor on XX/XX/18, submitted dispute to Discover on XX/XX/18, no reply for weeks, submit follow-up message to Discover XX/XX/18, finally receive reply XX/XX/18 stating investigation initiated. Charge reposted by Discover to my card apparently on XX/XX/18, I notice and message on XX/XX/18 requesting details. Apparently charge was upheld by vendor, so I assume the complete details not passed on to vendor. On XX/XX/18, Discover replies and informs me vendor upheld, but they will continue dispute. Repost of provisional credit was once again not applied until XX/XX/18. Apparently vendor upheld a second time ( despite vendor themselves investigating and admitting equipment malfunctioned and their accounting dept tells me to dispute the charge ) at which point Discover reposts twice on XX/XX/18, and they state it's because my credit card number changed mid-dispute. I explain they already reposted to the old card on XX/XX/18, and I can clearly see four debits and two credits on my account, resulting in me paying for the vendor 's charge and also paying Discover for it as well. Dispute escalation manager replied and indicated I must be confused because some were on my old card number and some on my new. I message a couple times to explain she is not accounting for all transactions in her summary of debits and credits, and they repeatedly argued, even though there is clear evidence in my transaction history. It is poor customer service to take weeks to reply to messages when it's stated at the bottom of the screen the customer can expect a reply within 24 hours. But it's absolutely inexcusable for the disputes department to manually adjust an account and not take seriously a customer 's complaint despite evidence to the contrary. They eventually credited back twice, which resulted in eight total debits and credits. They never explained why they credited twice, if the vendor eventually validated my dispute or if Discover credited due to my complaint. However, my balance does not reflect that as it should be a net XXXX. Once the credits were posted on XX/XX/18, it should have resulted in a wash. I will attach documentation to that effect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMENITYBANK/BRYLANE failed to give me proper validation of this debt. 

I mailed COMENITYBANK/BRYLANE a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I received a collections letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX in reference to an account ( # XXXX ) being collected for XXXX XXXX. 

It indicated an amount due of {$4700.00}. 

I have never done business with XXXX XXXX nor have I ever opened any accounts with this company and I have never requested any credit from this company. 

I sent a certified letter to Transworld Systems Inc. letting them know that I dispute the debt, and I have not heard anything from them since. 

They ( Transworld Systems Inc. ) also did a hard inquiry on my credit report on XX/XX/2018, and I am not certain how they or XXXX XXXX would have my ss # as I have never done any business this company, opened any accounts with this company or requested any credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: ID Analytics, Inc.
State: NY
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 accounts reporting on my reports are not mine and belong to someone else, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Convergent Resources, Inc.
State: WA
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 situation has to be a pretty interesting one. I haven't had an account with XXXX for well over a decade. This account is not mine. I requested to validate the debt and their first response was an offer to settle the debt. Offering to settle is not validation of a debt. They did not abide by federal law. 
After my second letter I received a very interesting print out with costs, and conflicting information. The second statement does NOT include any original paperwork/contracts with my. There is NOTHING with my signature. Just a weird, seemingly falsified, print out with two different company names on it. 
They identify as XXXX and XXXX XXXX College? Anyway this company did not properly validate this account. There is no original contract, there is no paperwork with my physical signature. Come to think of it I've been with XXXX since about XX/XX/2009. This needs to be removed from my credit report. I also need their Washington State 's representative 's physical address, and contact info, so I can move forward with court if needed. Thank you!

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 2018-06-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX me and my cosigner submitted documents to help lower monthly payments several amounts of private information that already made both of us uncomfortable. After working with several different people for months and hearing several different things we were finally told that it didn't matter if we had other bills and needed to live that if we both worked then we had to make the payments which is XXXX a month after several attempts to stay on time working two part time jobs the account fail behind.. and at the end of last year I was in a area affect by the hurricane and the account went into forbearance I called in to see when the payment would be due and was given incorrect information which later caused the account to continue to be behind which begin charging me crazy amounts for late fees. There has yet to be a time where we have called in for information and received the same information. I do believe that there has been some illegal practices when it comes to this company, we have tired everything an they keep making it harder and harder with scary tactics, and incorrect information.

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 monetary relief
Consumer complaint received 2020-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have sent several letters to PRA, LLC asking that they provide method of validation for a debt they claim I owe and has been reported to the credit reporting agencies. I have also requested that they send me original documentation that has my proof of signature for such account. 

Intern, the company responds back claiming they 'verified ' the debt with the original creditor and it appears to be accurate. They told me that at the time of sale, the Seller provided an electronic file of the business record containing such information concerning the account. All they have provided me is a summary that was hand typed and some old statement from the creditor I would have to assume. There was no proof of the original creditor validating or certifying the debt. Nor did I receive documentation from the original creditor that has my signature on it. PRA has not 'Validated ' that the debt they claim to be mine. I am looking for 1 ) Method of Validation - who certified ( validated such debt ), contact information and the original documentation that has my signature on it. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all
documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. Please find attached responses from PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: TN
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:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXXXXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Strategic Alliances, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation