BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: TekCollect Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Valor Intelligent Processing, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I received a letter from collection agency stating I owe a debt to XXXX XXXX. I already reported the account as fraudulent to XXXX in XX/XX/2023. I was told the account was flagged for ID fraud and I would not be responsible for this debt and the account would be closed and no further action was needed from me. So why am I still receiving collection notices?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: GA
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:
Equifax has failed to delete the inaccurate information from my credit report. The alleged Account XXXX is inaccurate Equifax Received my dispute on XX/XX/XXXX stating that the alleged date of the first major delinquency reported is inaccurate the alleged date of the first major delinquency is XX/XX/2018 is contradicted by the payment history calendar which shows that I made payments on XX/XX/2018 and XX/XX/2018 which means the alleged date of first major delinquency is inaccurate. Equifax responded XX/XX/XXXX stating that the alleged account was verified as accurate by the alleged data furnisher yet shows the same error. Title 15 1681e. Compliance procedures ( b ) Accuracy of the report specifically states- '' Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Equifax failed its duty as a credit reporting agency by furnishing this inaccurate account on my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Porania, LLC
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: I.C. System, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX underneath the agency I.C. Systems is reporting a collection account to my credit that does not belong to me. The account belongs to someone named XXXX XXXX who I have no relation to, this was placed on my credit due to error. It is also only reporting to 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 2019-08-15
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two collections appear on my credit report as of XX/XX/2017 that are the result of identity theft..I 'd theft report has been filed with ftc and submitted to provider..XXXX XXXX XXXX XXXX and collection agency and dept is still being reported in violation of fcra

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 2019-08-15
Company: Professional Recovery Management
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I knew about this debt when I went to XXXX XXXX XXXX and the financial counselor find the debt in my credit report ; I sent the validation letter ending of XXXX, XXXX and I never got response, then I sent a XXXX letter in XX/XX/XXXX certified mail explaining to the collection company Fox Collection Center and the original creditor XXXX XXXX XXXX that this is an error and I don't recognize the debt of {$1300.00}. 

I have not received a response from the collection company until now. However, I received a piece of paper from XXXX XXXX XXXX with some of the debt information, but the list of the documentation supporting that this debt belongs to me was not provided ; such as the contract where appears my signature, the last statement, or any evidence that proofs that this debt is mine. The paper I got doesn't have my address where the service is linked and no information or address about the company or person to reach out to resolve the problem, neither the clarification if the debt was sold or the collection is working in behalf of them. According to the XXXX XXXX paper provided the debt happened between years XXXX and XXXX. It is importance to mention that the company is located in XXXX XXXX XXXX XXXX, XXXX, TN XXXX and I am living in XXXX since XXXX and I have my tax returns that prove the place I have reside, so it is impossible to receive a service in a city I was not living. 

In addition, I receive the electric services from XXXX since XXXX to this day and I am current with my utility bills. Previous to that I was paying the rent including utility bills all together and I didn't have any pending debt for that concept. 

I have tried to contact XXXX XXXX XXXX with my financial counselor by phone XXXX ( XXXX ) XXXX to verify if they offer services in XXXX and call was unsuccessfully because they have a machine and I couldn't get a human being to talk. 

I had already disputed this debt to the credit bureaus, but the collections/creditor has verified the debt to them ; therefore I am exhausting all my options to dispute and remove this debt from my credit report. This is something that is hurting my financial ability and I want a clear response to resolve this issue, because I want to prevent or resolve any possible ID theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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/2022 someone engaged in the attempt to open a new Capital One card in my name, I was alerted via email a credit alert review. I contacted Capital One as well as all reporting agencies to investigate and correct the issue but nothing happened. Capital One assured me that the inquiry would be removed within a week from incident but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Genesis FS Card Services, Inc.
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:
On Wednesday XXXX I received a collection call on a credit card balance that I did not open. I was not told and do not know the balance involved. The company was Genisis Card Services, XXXX XXXX XXXX, XXXX, Oregon XXXX and I explained I never applied for this card and never received or used this card. I was asked to confirm my address and they did not have my current address, but instead an address I had lived at in XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). I then was transferred to their fraud department and I explained again the situation. I was skeptical about this call because I had a very difficult time understanding the person I spoke with ( accent ) and there was a dog barking in the background. I was told they would send out a letter explaining all the steps I need to complete, but as of today I have not received anything - letter or follow up communication. 
In addition, I get so many scam-type emails and text messages that I do not open and just delete. I did notice a letter " declining '' a credit card request from XXXX  XXXX XXXX on XX/XX/XXXX ( reference # XXXX ) that was addressed to my old address. I really didn't think much of it at the time, but know I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Caliber home loans canceled my trial modification, because they said that I did not send in my final payment, or that I may have sent it to the regular payment address. I sent the final payment to the same address I had sent my previous payments. They had failed to process a previous trial payment, until I called, complaint & and made a payment over the phone w an agent.The  following month, the month of the final payment mentioned above, they again, did not process the payment & said it was not received. I have appealed the trial modification cancellation, and even resubmitted a modification package. However, I have received no reply, no reply to my request for an appeal - Caliber went on to immediately transfer my account to an attorney for foreclosure and immediately gave me a sale date. They also failed to properly and timely advise me of the sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was a Chase customer for almost 10 years. They never qualified me for loan modification. 
They always wasted my time to submit my loan modification documents but they never approved for no valid reason. luckily my loan was transferred with all the problems that I had all the incorrect information they were always posting on my account. This month I opened a Chase prepaid debit card and I was going to use it for direct deposit and my daily transaction. 
again I received a letter from Chase for no valid reason they are going to close my prepaid card. In the past they have also closed my prepaid cards without any notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The account is closed whail ago and until now it shows on my credit score and I tried so many times to contact the aquafax to remove from my credit no answer which effects my credit scores. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: General Motors Financial Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and GMFNANCIAL with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I does not own. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}

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 non-monetary relief
Consumer complaint received 2021-02-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have 3 Americans Express cards. Since XXXX and I have allways made on time payments then in XXXX after making payments on one card I was told no payments was required on the remaining two cards. My annual fee is {$550.00} a year. But they closed my cards weeks later. Ever since then and the present I am a ongoing dispute and I they are illegal charging my late fees and interest eventhough I am disputing the amount and the annual fees charges after the closed my account they refuse to refund my annual fees. Its case of them refusing to refund my annual fees after closing my card. And triple the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have made several attempts to get an address removed from my Experian redit report that does not belong to me at all. I have never lived nor received mail at that address.

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 2021-02-25
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in response to collection, Act. # XXXX, XXXX XXXX, in the amount of {$200.00}. I am in receipt of your response, dated XX/XX/2021. Providing a bill is not proper validation that I, XXXX XXXX, owe a debt to I.C. System, Inc., or XXXX XXXX. You, nor XXXX XXXX, have produced a dated contractual agreement upon which I entered and agreed to establish a relationship. 

I am victim of identity theft and would like I.C. System to provide proper VALIDATION, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and also aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x.

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 2017-12-24
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after twelve of  my mortgage paid off with XXXX XXXX XXXX in XX/XX/XXXX illegally harassing me and filing illegal foreclosure action in XX/XX/XXXX with no proof of transferred of mortgage and illegal securitization without any proof under Federal Truth In lending disclosure act. In addition, Nation Star Mortgage also engaged in frivolous and debt collection as a separate company with no relationship or business dealing in any shape or form. XXXX XXXX XXXX cancelled and discontinue foreclosure action in XX/XX/XXXX for lack of proof of valid debt as a matter of law. In XX/XX/XXXX, XXXX XXXX XXXX XXXX has my property listed as cash management. I do not owed any mortgage. How can you have a mortgage of $ XXXX, $ XXXX, and $ XXXX. The debt debt instrument was refinanced in XX/XX/XXXX and paid off at closing. I am target of manipulation and illegal debt or security instrument. Instrument was disposed in XX/XX/XXXX. Been harassed 12 years latter. The subject property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. 

XXXX XXXX XXXX XXXX located at share, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX, NY XXXX represent XXXX XXXX XXXX XXXX.  Telephone ( XXXX ) XXXX. 

Nation Star Mortgage is located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
Telephone ( XXXX ) XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX XXXX XXXX, Attn : XXXX XXXX located at XXXX XXXX. XXXX XXXX, XXXX, TX XXXX with telephone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
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:
U guys did a back ground credit report with out my ok i am upset over this u had no right to do so i am filing a complaint against u because of it

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: 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: Account information incorrect

Complaint:
Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. Equifax and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.

Company response to consumer: Closed with explanation