BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: Southern Management Systems Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2013, XXXX XXXX XXXX, XXXX, an apartment complex leased a unit showing me as a co-signer/guaranty on the lease. I did not authorize nor sign the guaranty. They did this without any identification. They have referred the debt to a collection agency who has put in on my credit report as in collections. I have disputed this to the collection agency as well as on my credit report ( XXXX XXXX ). I am trying to get a mortgage loan and I had to temporarily lift the dispute so that the mortgage company can get an accurate credit score. This account should not be on my credit report. I have written XXXX XXXX XXXX ( the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they have refused to remove the collection from my credit report. I sent them proof to show that this was not my signature and also my address on the guaranty was not correct. How can a company hold me responsible for a debt when they did not seek identification to certify the co-signer. The amount shown on the guaranty letter is XXXX but the amount on XXXX XXXX is XXXX. I am not responsible for this. The leasing agent was negligent in not securing identification and should not have processed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Commonwealth Financial Systems. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Commonwealth never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Commonwealth that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: FL
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:
After investigation my credit score still dropped after years of having high score and working hard on my score, this affected FICO ultimately damaged mortgage rates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my 3rd or 4th time reaching out to Transunion regarding incorrect information being reported on my file. Please delete immediately or risk the pursuit of a lawsuit for violating FCRA ... 

The following inquiries were not authorized by me ; therefore, they should 't be on my report. 
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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account was opened fraudulently using my personal info. This was not authorized by 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 2017-08-12
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never heard of XXXX XXXX XXXX or have had any communication from them. They appear as a negative collection mark on my credit report. When I disputed the collection, the results came back as it was my debt but I have not received any information on what the debt was for. I have never heard of XXXX XXXX XXXX nor have I ever received any communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX-no product issued XXXX XXXX XXXX-no product issued XXXX XXXX XX/XX/XXXX -no product issued XXXX XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XXXX XXXX-no product issued XXXX XXXX-no product issued XXXX XXXX/XXXX XX/XX/XXXX -no product issued XXXX Card XXXX-no product issued XXXX Card XX/XX/XXXX no product issued XXXX XXXX XXXXXXXXno product issued XXXX/XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XX/XX/XXXX -no product issued XXXX/XXXX  XXXX XXXXno product issued XXXX/XXXX XXXX-no product issued XXXX XXXX-no product issued

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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: Information belongs to someone else

Complaint:
*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX  XXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX  XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX and XXXX, 2019. My credit card number was used fraudulently to make {$2100.00} in purchases. According to Chase, the purchaser had a chip card at point of sale. My family had possession of all of my cards. Chase contacted me twice and both times I told them that the charges listed were not mine except for the XXXX charge. They refunded the charges on my account. Then two months later they sent a letter stating that I benefitted from some of these charges and rebilled {$1700.00} to my account. They stated the investigation was complete. They never questioned me in the investigation. We can prove that none of us who carry one of the cards was in the geographic location where the purchases were made. There are even correct charges made on both of those days by me which show that I was not in XXXX XXXX. They also claim that I notified them that one of the XXXX purchases was mine which I did not do and the charge was not mine. 
Chase did not include me in their investigation. I can prove that none of my family was in the location the charges were made. I consider Chase to be acting in bad faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Their investigation did not fix an error on your report

Complaint:
i've sent several notices even sent certified letters the company refused to send me proof they have in their records showing how debt being reported that's not mine were certified verified buy lenders/source

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 2021-07-01
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, entered into a consumer credit transaction with XXXX. I do not know who Jefferson Capital is. I have never spoke to them or done any business with Jefferson Capital. I do not know how or why they have my personal information. Jefferson Capital is trying to deceptively coerce me into making settlement on a " debt '' I do not owe. I have been harassed with multiple letters and have XXXX for the past few months since receiving these notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2017-09-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Advised by Wells Fargo Home Mortgage that my loan modifications in XXXX XXXX and XXXX XXXX were " not converted in a timely manner. Also, the loan modification for XXXX was completed with a " 40 years '' payout. I received two ( 2 ) letters from Wells Fargo dated XXXX XXXX & XXXX XXXX advising me of the errors i.e., six ( 6 ) years after my first loan modification of XXXX. There was no credit adjustment issued on the first modification i.e., XXXXand {$470.00} credit issued on the second i.e., XXXX XXXX which was deducted from the principal 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
Consumer complaint received 2020-11-23
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was sent a letter from XXXX XXXX XXXX. 
I have never done business with this bank. 
They say that they paid my property tax in error. 
They want me to refund them {$1800.00}. 

I pay my property taxes through escrow with my mortgage company PHH Mortgage. 

I have contacted PHH but they just send an Acknowledgment of Correspondence letter and say they will review the correspondence and usual response time is 30 days. They do not provide a direct contact. 

This appears to be fraud but if it isn't why should they be asking me for the $ and not the mortgage company they do business with? I pay escrow, that's where my tax $ is. I do not have this money sitting around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Nelnet, Inc.
State: DC
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:
Firstmark student loans attempted to contact me via multiple phone numbers ( which I thought were scam likely numbers ). Without communicating with me, the company reported a delinquent payment that significantly decreased my credit score. I am requesting a removal of the credit flag as I have entered a payment agreement with Firstmark due to losing my job amidst the Covid-19 pandemic. Also, since this is my first time dealing with a delinquent payment to Firstmark and due to substantial hardships the pandemic presented, I am requesting leniency with the confirmation that I will make future payments on time. Firstmark has only provided 4 months of emergency disaster forbearance and I still do not have a job. My other student loan lender ( XXXX ) has agreed to enter a similar payment agreement so I hope Firstmark can be accommodating given these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
After looking over my credit profile, I have incorrect names and addresses that appears to be outdated and/or incorrect for all three credit bureaus.

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 2018-09-25
Company: Debt Relief Center
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from the Debt Relief Center, with a PO BOX address in XXXX, AZ. It says that I owe $ XXXX, and they are a collection agency on behalf of my creditors. They are offering a payment plan, and this is my second notice ( I dont think I received a first notice ). 
They ask me to call XXXX. 

I dont think I have any outstanding debts, my Credit Cards are managed, I have ID protections. Unless my info was sold on the the deep web, and used to create a parallel life, I believe this is a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My father had a XXXX and we wanted to send him to the XXXX. of XXXX  XXXX XXXX ( known as " XXXX '' ) to address XXXX XXXX caused by the XXXX. Unfortunately, Dad did not feel well enough to attend the program. We had put a down payment for the program on Discover Card. When Dad decided he could not attend, we advised XXXX that he would be unable to attend. XXXX informed us that they had not been paid the down payment because Dad had reported it as " fraud '' on his card. XXXX continues to inform us that they have never received the down payment for his attendance. However, Discover Card insists that the down payment was made through Discover card to XXXX. XXXX advises us that they have never been paid and Discover Card advises us that they paid XXXX. Discover Card is holding my father accountable but as far as we can tell, XXXX never received any funds from Discover Card. Then Discover Card " investigates '' this matter and finds against my father.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Caller options do not suit my issue. Experian credit has maintained my previously excellent credit history for 25 years. During the period of XXXX-XXXX had successfully paid off 10 cars and several other loans paid as agreed. Those tradelines fully demonstrated the financial literary I was taught at an early age. In 25 years I NEVER missed a payment!! NOT ONE. As a result of what I built as a part of that history, my Credit score with the presence of that information was ALWAYS nearly 800. Those Tradelines represent my creditworthiness and how I carefully managed my own credit over a lengthy term. Removal of them STRIPS ME OF MY IDENTITY and has been interpreted by me as an intentional tortious act against me. As noted above via timeframe. All of those tradelines were a picture of my credit health PRIOR to my Bankruptcy filing of XX/XX/XXXX. So since they were PRIOR and not inclusive in my filing. 1 ) I'd like to know exactly WHY they were removed? 2 ) Did you take it upon yourself to dictate my HISTORY? 3 ) WHEN are you putting the tradelines back?? Because according to your own publications. " MY HISTORY '' during said period is it what credit scores are dependent upon. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation