BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these inaccurate late payments from my accounts. My accounts have never been late.

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 2018-02-21
Company: Knight Adjustment Bureau
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
ACCOUNT IS SHOWING ON MY XXXX REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. PER YOUR " INVESTIGATION '' YOU SAID I REPORTED SOMETHING TO THE BANK. I NEVER REPORTED ANYTHING AS THIS ACCOUNT, I DID NOT OPEN IT. YOU SAY THIS ACCOUNT IS NOT SHOWING IN COLLECTION IN MY CREDIT REPORT. WELL I HAVE ATTACHED WHERE IT IS. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, 2018, Seterus, Inc. sent me another repayment plan. I have made two payments as required by the that plan. However, Seterus, Inc. sent an intent to foreclose even though I made the required payments according to the repayment plan. The intent to foreclose claims that I owe over {$4000.00}, but when I received my XXXX bill for the next mortgage payment, the XXXX bill shows I owe a little over {$3.00}, XXXX. The {$2000.00}. I have made numerous complaints to Seterus, Inc. about sending me repayment plans the its refusal to comply to policy/rules set forth in its own plans! I ask that CFPB investigate the actions of Seterus , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received an update from Experian on XX/XX/18 in reference to a dispute that I began processing in late XX/XX/2018 for a XXXX XXXX XXXX XXXX Account. Per the Fair Credit Reporting Act, The Experian credit reporting agency can not, under any circumstance, report information that I as the consumer have told them is inaccurate. The agency is behaving in a biased manner against myself and have greatly favored a paying debt collector over myself. After multiple efforts of Experian being unable to furnish an original written agreement and validation of the physical verification which would otherwise support their statements of the debt belonging to me, this credit agency continues to be in support of the debt collector and is willing to continue to be in violation of the Fair Credit Reporting Act. 

I have mentioned this same complaint to the agency on more than three previous occasions that the information is unverifiable and they are in violation of the FCRA sections 609, 611 & 623. Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post to my credit report. Per FCRA 611 ( 15 U.S.C. 1681 ) Experian continues to be in violation of the law. Also reference the FCRA section 623 ( a ) ( 1 ) ( C ) : Experian must also utilize reasonable procedures to assure principal accuracy of all information in my credit report 15 U.S.C. 1681e ( b ). Experian has yet to prove to me that this account is accurate valid and indeed belongs to me.

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 2020-10-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home owners insurance lowered my right they sent a refund to my mortgage company and they held it for eight months they did nothing with it and I called and told him I wanted the money sent back to me with the interest theres no reason in the world that they should have held my money for eight months Ive done nothing with it they charge me interest if Im a day late and theres no reason they shouldve kept my XXXX and something dollars for eight months and done nothing with it I want interest added with my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was recently as of 3 days ago, made aware of a lawsuit with Wells Fargo my mortgage loan provider opened in 2015 regarding failure to approve loan modifications. I had applied for a loan modification along with any other assistance available and I was informed I had to wait 12 months- on 2 separate occasions prior to the what I assume foreclosure. I called Wells Fargo in XXXX as I was trying to compile my financial records to clean up my finances and upload to XXXX for help. I was informed my mortgage was paid in full so I assumed that meant they got the asking price. I asked for the information pertaining to my loan and foreclosure and I was directed to XXXX XXXX XXXX who provided me the attached documents. I had zero knowledge of this paperwork etc. until I received it and I asked XXXX   about it and they told me to review it would be a waste of time as XXXX XXXX XXXX are a professional company who does this all the time. I also have had consistent issues with identity theft since last XXXX which included my computer, ID, birth certificate, medical records etc. and believe my phones given to me by different people when I had them were also stolen and hacked. I believe most recently I even was hacked last night and today as thats how I stumbled upon the class action after asking a friend why the deed to the house was still in my name after so long but had random names I have never heard of before on my paperwork. 

Is it possible we meet to discuss? I can be reached at XXXX or XXXX ( though I believe that address was the one hacked ), it would be best to call, meet live or email XXXX Sincerely, 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 2018-11-27
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:
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following -- - XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: V and H Portfolio
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following -- - XXXX XXXX XXXX XXXX   XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX 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 2021-07-13
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mother passed away 8 months ago today I called the bank XXXX/PHH to get the payoff I faxed the documents the bank gave me a extension on the forbearance it's due next month they changed the locks I have called many times I have emailed all the documents they are not even trying to get the paperwork in order I am the executor I am so sick from all of this please tell me what I need to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
my computer was hacked by a scammer or persons claiming to be XXXX XXXX, they got all my credit card numbers my state id photo everything my pass words banking info as in reference to on line banking with credit cards, ,they wiped me out i been trying to get things straightened out, but im XXXX XXXX dont pay much, i was taking care of my dad and being paid for that, but he passed away a year ago i was hacked about two months ago but this discover card calls 30 times a day or more from early morning XXXX to XXXX 7days a week they are driving me crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with Experian, XXXX, and XXXX ( as well as XXXX, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, XXXX and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.

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 2018-02-21
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
This is a continuation of my Petition against XXXX XXXX. Trustee for XXXX XXXX XXXX XXXX c/o Caliber Home Loans , Inc . 

Caliber Home Loans has harassed me since XX/XX/XXXX regarding the XXXX XXXX Mortgage which was disputed and closed. I have told Caliber Home Loans , Inc. that I never had a contract with them and that my XXXX XXXX was not transferred and/or assigned per regulations. In XX/XX/XXXX Federal Court found that all violated RESPA, FDCRA, TILA and settlement class received money and a do not contract with any of the above. 

However while this litigation was happening in Federal District Court in New Jersey, XXXX Caliber was harassing me to pay or set up a modification and I would not, stating I did not have a contract with them. Caliber, XXXX XXXX XXXX  and XXXX are all intertwine and committed real estate fraud. THE CLASS ACTION SUIT FILED BY XXXX, XXXX AND XXXX XXXX ON BELHALF OF THEMSELVES AND THE CLASS MEMBERS AGAINST CALIBER HOME LOANS , INC. ; XXXX XXXX  XXXX XXXX XXXX, AS TRUSTEE OF XXXX XXXX XXXX XXXX  CAUSE NO. XXXX CAUSE NO. XXXX addresses all the issues of the violations that made any contact made to the class, which I am, should be reimbursed money or not liable for any property, loans or liens. The boldness of litigating in federal court and harassing me to modified when Caliber acknowledged all the violations. 
There were 5 causes of actions with sanctions attached to each. The foreclosure on my home is fraudulent and should be protected by the Homestead Protection Act since the suit to foreclose is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 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 2018-11-27
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:
Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items from my accounts as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: Southwest Stage Funding
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i contacted Southwest Stage Funding and XXXX XXXX also XXXX along with XXXX XXXX XXXX about the inquiries on my credit tried to get them to remove the inquire from my report they said they would, later i contacted XXXX and XXXX to get them to remove them but was gave a death ear on the matter so now im contacting you all for help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I contacted via telephone company ConServe, a Debt Collection Agency located in XXXX, New York that I did not owe a debt to the US Postal Service. ConServe has also " reported '' this information to all 3 Credit Bureaus and the US Treasury Department ( IRS ) to take any " tax refund ''. I explained that I had information that the Judicial Officer of the US Postal Service, Chief Administrative Law Judge XXXX XXXX ruled " twice '' in the year XXXX that I " DO NOT '' owe the US Postal Service. 
On XX/XX/XXXX I was told by ConServe employee that once the information is received by fax they would investigate. To date ( XX/XX/XXXX ) the deragotory information is still on my credit report and ConServe still calls my cell phone number. I need the information deleted from all three ( 3 ) Credit Bureaus and from the US Department of Treasury for the IRS to take my tax refund.

Company response to consumer: Closed with explanation