BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification from IC Systems that I supposedly owed this debt to XXXX. I sent them a letter disputing the debt in XX/XX/XXXX. I asked them to send verification of the debt. I filed a complaint with CFPB in XX/XX/XXXX regarding the debt. I received a validation notice from IC Systems in XX/XX/XXXX. The notice included the bill from XXXX. The bill references that in XX/XX/XXXX I supposedly lived at XXXX XXXX XXXX, XXXX, Florida XXXX. I have proof that I DID NOT live that I NEVER lived at that address. I am filing another complaint with IC Systems in XX/XX/XXXX. I will send another certified letter to IC Systems indicating that the verification documentation is NOT accurate. My next step is to involve an attorney. 

The debt is NOT mine. I never had an account with XXXX under the address that they are proposing. I have not lived in XXXX for over 25 years. This is not my debt. This is a product of stolen identity. Beyond name there is no other verification that this is my debt.

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 2018-03-10
Company: EQUIFAX, INC.
State: MS
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:
Equifax reports a hard inquiry dated back XX/XX/2017 again once you disputed before. Some company called XXXX XXXX XXXX-no address or phone number listed. Strange! They have placed it back on my credit reportt this year. I have a credit report monitoring system that alert me when a credit report agency invalid report false inquiry like Equifax has systematically with my credit report status dropping my points to XXXX purposely sabotaging my credit profiles. I don't like it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/19 I spoke to a rep from XXXX XXXX  named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX Bank account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want XXXX XXXX  to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. XXXX should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initiated contact after receiving settlement letter. Prior to making payment to the agreed amount, I asked if this would be removed from my credit. I was told that after the payment was processed, the collections agency will update the bureau to have the account removed. After a month when the account wasnt removed, I called to follow up and I was told they dont remove the account off the credit. I explained my situation and what I was told, without any help. I disputed the collection with all three bureaus with no success. Please help me, I feel deceived and helpless.

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 2020-07-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I got a email saying my account was in the negative. I logged on to my Chase JP Morgan Bank account I found a withdrawal of {$6700.00} and another of {$230000.00} plus ( I don't remember the account balance ) but it was over {$230000.00} I called the bank and they had closed the account they told me they would be mailing me a check for the balance of the account. They gave me a phone number to the Fraud department I called them on Saturday XX/XX/2020 and asked what was going on? They said they closed my account and they did not have to disclose why and that I could never have a Chase account again. I have not received the balance of the account no notice the account was closed nothing. Chase Bank has removed the checking account from the online Banking so I can not give you the exact Balance of the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have disputed these fraudulent negative accounts and they are still on my credit. I submitted dispute letters and FTC reports and they still have not been removed. 

Transunion : XXXXXXXX XXXX XXXX {$8300.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX {$8300.00} XXXX : XXXX XXXX XXXX {$8300.00}

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 2020-05-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA has blocked my access to online banking because I refused to divulge personal and financial information that was unrelated to my banking activities. I made repeated attempts to address the issue with USAA banking and security representatives. They provided me with vague responses while citing the Patriot Act. The questions they asked via an online pop-up window were outside of the scope/purview of the banking Customer Identification Program ( CIP ) as defined by the FDIC and Treasury Department. For the record, I am a retired service member with over 36 years of combined military and federal government service. I have owned the accounts managed by USAA for over 35 years. I am not seeking a loan with USAA or any other bank. 
There is no need or justification for USAA to ask me what my net worth is, details concerning my income, or whether I am a current or former high-level foreign government official, or a relative or close associate of one? In my opinion, these intrusive questions are in violation of the 1978 Right to Financial Privacy Act ( RFPA ). Even after four separate consultations with USAA they continue to block my access to my accounts via their online banking functions/site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: First Data Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it may concern, I am bringing this attention to your office regarding an open account # XXXX from XXXX XXXX that I strongly believe was a fraudulent account under my name. The letter content my name and informing me that I open an account and has been upgraded to premier account. 

I tried to contact the customer service but it prompt to enter my social security number so I decided not pursue it. I never sign for the company. I found out that there so many people that filed a complaint against this company. 
The company named is XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

Thank you for immediate attention regarding this matter. Should you have any questions, feel free to contact me at XXXX. 

Sincerely, 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 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 need fraudulent addresses removed from my credit report. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX Remove the fraudulent telephone numbers. 

( 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 2018-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was XXXX or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. Capital one continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. Capital ones liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month capital one sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am challenging the information with creditor XXXX this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match Transunion shows {$670.00} others are blank last verified is missing for two bureaus Transunion shows XX/XX/XXXX date of last activity doesn't match Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX date reported is doesn't match Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX closed date Transunion shows XX/XX/XXXX others are blank why are the not showing the same two year payment history Transunion shows nothing XXXX  is reporting and XXXX  is not

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 2021-02-12
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
NationStar dba Mr. Cooper took over our mortgage loan around XX/XX/XXXX. To date, we have received 1 statement in XXXX, 8 statements in XXXX, and 1 statement in XXXX. Of the mortgage statements provided, it appears that around XX/XX/XXXX, NationStar dba Mr. Cooper began taking monthly mortgage payments and applying payments to an unapplied separate account in lieu of applying all payments directly to our mortgage account. Since NationStar dba Mr. Cooper has taken over our mortgage loan, our monthly mortgage payment increased five times in XXXX and twice in XXXX. Notification of these mortgage increases are provided within two weeks of the next mortgage payment due date. We have 15 attachments ( totaling 91 pages ) of supporting documentation that indicates NationStar/Mr. Cooper has : 1 ) Mishandled monthly mortgage payments and unfairly increased our monthly payments 2 ) Mishandled our escrow account 3 ) Mishandled our private mortgage insurance 4 ) Violated property tax payments 5 ) Possible violation of RESPA 6 ) Violated the annual escrow analysis process 7 ) Possible violation of CFPA 8 ) Possible violation of HPA 9 ) Potentially failed to terminate our PMI automatically 10 ) Made false statements and provided false documents to federal agencies related to our mortgage loan 11 ) Threatened to sue us ( through their legal representative ) if we report information pertaining to the aforementioned issues to any state or federal entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Comerica
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My XXXX  XXXX  MasterCard isn't releasing my credit info but I keep getting charged by all 3 credit but was monthly and it's making a score of XXXX it's not right it was XXXX they are robbing me with bank fees to at XXXX XXXX  XXXX  in XXXX  ky XXXX it's litteraly the credit bureau charging me over and over and XXXX XXXX us treasury card is being robbed. Some XXXX XXXX XXXX laughed at me like it's an error and it's not funny. Only credit card I got is XXXX  XXXX Comerica government card and it's secured my credit should be stellar never missed a payment on my at & t bill ever either. It's not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my wife and I got a letter in the mail from Wakefield and Associates claiming that they were collecting on a debt from XXXX XXXX XXXX  XXXX  for {$110.00} ( by the way the real debt was actually {$110.00} ). This debt was paid on XX/XX/XXXX 2  days before it was sent to collection and I called to tell them that. I also told them to contact the XXXX XXXX XXXX  XXXX to confirm that this debt had been paid. Wakefield and Associates refused to do this saying that it was our responsibility to pay this. I told them that it should be their responsibilities to make sure a debt they were collected on was valid ; however, they would not do this. Therefore, I contacted our XXXX credit union the bank that issued our bank card used to pay this debt. XXXX emailed me a copy of the transaction proving that the debt had been paid. I called Wakefield and Associates back within 30 minutes of our initial conversation and told them to send me an email address so I could forward XXXX information to end this debt harassment and not to contact us again about the matter again. They gave me an email address and I sent them the information that same day. Today XX/XX/XXXX, I get a new letter from Wakefield and Associates saying that we now own them a different amount from XXXX XXXX XXXX   XXXX  for {$57.00} and stating that we did not send them proof of the payment in the question above. All of a sudden, the amount has changed from {$110.00} after we proved we paid them. I think they know we paid them, but they are making up new changes for financial gains for themselves as our bill from XXXX XXXX XXXX  XXXX was only {$110.00}. We have never had another bill from them. Attached is an actual bill from XXXX XXXX XXXX XXXX and the XXXX statement. Wakefield and Associates are harassing us and trying to get payments that are not due. In addition, they over-inflated the initial charges that should have been owed. On a small scale this is not big but if you look over their entire history they are probably stealing a lot of money by adding on a few cents to each collection case.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: OK
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:
On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company progressive determined that my car was a total lose and issued credit acceptance a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from credit acceptance ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. I also purchased GAP insurance and a warranty when I purchased the car which totaled XXXX, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am XXXX days behind on payments and owe them XXXX ( the amount keeps rising so XXXX not for sure on amount ). This is the second time reporting credit acceptance the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS, I am also sending a copy of the first dispute where all three credit bureaus refused to delete incorrect payment 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 explanation
Consumer complaint received 2019-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this collectors name is XXXX XXXX XXXX. XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in department XXXX XXXX XXXX , XXXX XXXX  ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX   XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX continues to state on my credit report that my account is past due and I have not made any payments on it. I have attached proof of payments made over the last 12 months. By law your reporting incorrect information and posting to my credit report. This is causing me a hardship and this information is false. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance

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