BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: EQUIFAX, 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:
There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX  has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2022. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX SOLD TO CREDIT COLLECTION SERVICES. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: DISCOVER BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently pulled a credit report and I 'm seeing a lot of " In Collections/Charged Off '' accounts. Between XX/XX/XXXX and XX/XX/XXXX I was enrolled in a debt consolidation program. All of my debts were settled with the creditors and paid in full. These accounts should not be reporting negatively on my credit report. One of the accounts I 'm referring to is a Discover Card account with a last payment made on XX/XX/XXXX ( says XX/XX/XXXX on credit report ). The original balance on this account was {$990.00}. The debt was settled for {$930.00} and paid as follows : {$460.00} ( XX/XX/XXXX ), {$230.00} ( XX/XX/XXXX ), and {$230.00} ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions 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:
On or about XX/XX/2015, my ex-husband stole my identity and purchased a vehicle in my name without my authorization. When I first learned about the theft it was through an alert from my credit monitoring service. I immediately filed a police report documenting the theft. At the time I was unaware of how my information was stolen or who stole it. I have tried to have this information removed from my file by way of disputing with Experian ; however, the creditor, XXXX XXXX, continues to place this debt on me despite sufficient proof of fraud/identity theft. Early this year I received an legal affidavit from a person who identified themselves as XXXX XXXX. In the affidavit she admitted to conspiring with my ex-husband to use my identity to purchase a vehicle in my name without my consent. Upon receiving this notice I immediately went back to the originating police department and filed an updated police report. I also contacted Experian to put them on notice to have the information removed from my credit. After waiting two months Experian stated XXXX alleges the information is accurate. This information is not accurate. My identity was stolen by my husband during our divorce process. He used my identity to open several financial accounts in my name as well as file taxes. He used an address in which I've never lived. I have provided documentation of this and have filed a motion in court to have a judge rule in the matter as a result of the supporting documentation I've have. I also would like to point out that Experian has sufficient information regarding the matter as well to ensure this fraudulent information does not continue to report falsely on my credit file.

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 2020-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$680.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I woke up on XX/XX/22 and chase restricted my account. When I tried to log in to my mobile banking a pop-up appeared for me to call a chase phone number. After calling the number i was informed that my account was closed and I can not open any new accounts with my name with no explanation. I don't understand why that is since I haven't done anything wrong or had suspicious activity on the account. I would just like to find out the reason for my accounts being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Midwest Recovery Systems
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:
I noticed a collection account on my credit report in the amount of {$1400.00} from Midwest Recovery. I had no idea where this debt came from and i never received any kind of communication from this this company in the mail regarding the debt. This specific amount was previously listed on my credit report under a different company. I sent an validation request to the other company. They were unable to validate the debt and it was removed from my report so I am assuming it was sold to Midwest. I sent Midwest a  validation request by certified mail on XX/XX/XXXX. It was received by them. USPS Tracking number ( XXXX XXXX XXXX XXXX XXXX ). As of today, I have still not received validation of the debt and it continues to be reported on my credit report. Also, i received a credit alert yesterday from my credit monitoring service that my address had been changed to an address that I do not reside. I called the credit report agency in and was told that it was reported to them by Midwest Recovery. They were able to change my address to an inaccurate address but unable to provide me proper validation the debt in question. I was told that they could not remove the incorrect address because it was reported by a creditor. I have never done business with Midwest, not verbally or in a contract. They have violated the FCRA by continuing to report a nonvalidated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the following information in my credit report file. 
Original Creditor XXXX Open Date : XX/XX/XXXX Account Name DIVERSIFIED ADJUSTMENT Account Number XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
I disputed this charge with XXXX but Diversified Adjustment, a collections company, claims I owe XXXX {$450.00}. 
I have never used a XXXX phone or a product. I have never received a bill from XXXX for this amount. Have I received a bill from XXXX, I could have called XXXX, and fixed this mistake myself. Yet this charge of {$450.00} appeared all of a sudden on my credit report as a delinquent charge. 

I believe I am a victim of Identity Theft and someone with out my knowledge has used my personal details to do business with XXXX to commit credit fraud or other crimes. Apparently a party who will benefit from this collection effort is Diversified Adjustment. 
This item is - Original Creditor XXXX, Open Date : XX/XX/XXXX, Amount {$450.00} is inaccurate. 
Under penalties of perjury, I certify that I have never opened an account with XXXX, nor I have purchased any product or service from XXXX for the past 10 or 15 years ( or even prior to 10 or 15 years ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Public record information inaccurate

Complaint:
How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without ( a ) validation ( b ) oe any notification they were simply putting it back on and ( c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a dispute with XXXX XXXX XXXX, where they claimed that I owe on account # XXXX. The issue the company has caused has been drastic towards my credit. I am requesting that they removed the collection of my credit if they can not show verifiable Proof ( an original Consumer Contract with my Signature on it ) that I owe the amount they claimed. The unverified items listed remain on my credit report in violation of Federal Law. XXXX XXXX  XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct.

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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.

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 2019-02-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To date I have formally requested both verbally and in writing to Select Portfolio Servicing INC that the XX/XX/2019 sale date be cancelled, as having a sale date while property is in ACTIVE MODIFICATION process and in in DISPUTE STATUS violates DUAL TRACKING LAWS set forth by the Consumer Financial Protection Bureau. After 12 written confirmations and verifications that SPS has received, there has been no action taken that will constitute SPS is abiding by C.F.P.B. Dual Tracking Laws. 

I am asking that the C.F.P.B. review and investigate SPS and XXXX XXXX XXXX  ( Trustee ), for this complete disregard for an abuse of the Federal and State Laws. 

The following is a timeline of written requests to postpone XX/XX/2019 sale date : XX/XX/2019, XX/XX/XXXX, XX/XX/1919, XX/XX/1919, XX/XX/1919, XXXX XXXX19, XXXX XXXX,19 XXXX XXXX, 19, XXXX XXXX,19, XXXX,19, XXXX XXXX,19, XXXX XXXX, 19. 

The following dates for verbal requests to postpone sale date : XXXX, 19- SPS Rep XXXX XXXX- I verbally requested to cancel sale date of XXXX, 19 and stop dual tracking violations while in review, active modification and in dispute status. 

XXXX, 19-SPS Rep XXXX XXXX I requested sale date postponement in regard to dual tracking violations. I was told that I had been given a repayment plan but I had not received it yet in the mail. By law I should be given time to receive SPS repayment plan and respond. In good faith, there should not be a sale date while this decision is being made. 

XXXX XXXX,19-SPS Rep. XXXX XXXX- I received the repayment plan with SPS enormous payments of {$5300.00} with monthly payments for 12 months and a balloon payment of {$320000.00} due. My original payment I defaulted on in the first place was {$1500.00}. I was told that if I did not accept the repayment plan that I would lose the property. 

I was also told that the file was in dispute status, which I am still waiting for an answer to and again requested the XXXX. XXXX, 19 sale date to be cancelled as per dual tracking violations. SPS has shown no accountability for their repeated violations of dual tracking while in dispute status and active modification and not allowing me adequate time to review disputes. 

I appreciate all of your efforts ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX tried you file unemployment of Ohio in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: WELLS FARGO & COMPANY
State: NJ
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:
Theres a inquire on my credit report I have no knowledge of and trying to get it removed but the creditor is not trying to remove it I tried reporting it as fraud but still nothinf

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 2018-04-08
Company: EQUIFAX, INC.
State: IL
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 filed a complaint with CFPB and I believe it has been forwarded to Equifax. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( XXXX ),   XXXX v XXXX and XXXX XXXX, Equifax that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Equifax has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX, XXXX XXXX. And the appointed Fiduciary XXXX XXXX XXXX, are in violation of the consent order.The appointed Fiduciary XXXX XXXX XXXX, received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XXXX day of XXXX XXXX.On or about XX/XX/2018 i received a letter from Mr. XXXX XXXX , Midland Credit Management , inc. stating that all collection attempts will be ceased until conclusion of the investigations which i never recieved. On or about XX/XX/2018. Midland funding llc. filed and was granted Motion For Judgment By Default, under c.r.c.p. 312 ( a ) .where it states The defendent has failed to file and serve a responce to the coimplaint and no responsive pleading has been filed with in the time permitted by c.r.c.p. 312 ( a ). XX/XX/2018 i filed a Judicial Notice of Adjudicative Facts, also filed was the Consent Order, and other evidence. ON or about XXXX XXXX thw jugde put a Stay Of Jugdment and ask me to seek relief which is pending ( cfpb ) findings.On or about Febuary XXXX i recieved from Midland Credit Management a letter stating, A Judgment has been enterd against you, for $ XXXXEven though the jugde put a stay on the judgment.And the judgment was for {$2800.00}. so agian they are violating the consent order and asking for more than the judgment was for. 
Whereas Midland Funding Llc, and the Appointed Fiduciary XXXX XXXX XXXX, failed to answer the notice of Dispute and Violate the consent Order with the intent is to deceive and or mislead me. 
Whereas Midland Funding Llc, and XXXX XXXX XXXX willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XX/XX/XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non-economic loss or injury.And any relief that can be sougth after for there violation of the consent order. 
Relief available, ( CFPB ) 12 US CODE 5565. 
We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS Midland Funding, Llc and its appointed Fiduciary XXXX XXXX XXXX, Civil Money Penalties and Damages for non-economic loss or injury and viod judgment. 
Respectfully submitted XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation