BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: TekCollect Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Sirs : I noticed an account on my credit from a company called Tek- Collect/ Account Number XXXX. I did not have their phone number so I sent them a certified letter disputing the validity of the debt based on the information that was available to me on my credit report. 

The letter was received- however, it's been 60 days to date and the fraudulent entry remains on my credit. They have yet to contact me and or remove the unknown fraudulent entry. 

Furthermore, according to my credit report the account states the debt is for XXXX XXXX treatments .... I don't have XXXX/XXXX and no such treatments were ever rendered to me in this regard. If I would have been contacted by this institution in the begining I could have conveyed to him/her they had the wrong person. When in contrast- they placed the debt on my credit without my knowledge. I just so happened to see it on my credit reports. 

This is also defamation of character and slander. I do plan to take the matter to court immediately .... if it is not resolved in the next 10 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXXXXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 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 2021-08-04
Company: Experian Information Solutions Inc.
State: MN
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 tried to contact Experian about information on my FRAUD ALERTED account that is out of order. I was sent through a million phone menus - got through finally to a person who said Hello, I said hello and she hung upon me.

I have an active Fraud Alert - I see information on my account which leads me to believe there has been another breach. I can through to these morons who make it impossible to deal with them. Unless you want to buy more protection. All they want to do is sell you another exptension of services. They are not interested in servicing the consumers at all. 

How do I check on this new information which I believe is another inquiry by the people who stole my information?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2019 from XXXX XXXX , XXXX. trying to collect {$26000.00}. I am not responsible for this debt and am filing a complaint today ( XX/XX/2019 ) through CFPB to notify the company of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: IL
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:
The data breach from Equifax!! That is what its about and other Data Breaches against me!!! I cant afford a lawyer for this!!! I have identity theft due to that XXXX XXXX is how it started on XXXX acct. Now I have the biggest mess ever, I cant change my SS number because of my XXXX case. I want to talk to the FBI and get my Name changed in Court!!! 
I have people trying to open up loans in my name, people selling and using my name with their pictures on XXXX, I want XXXX XXXX pay for that big mistake on his XXXX company .I asked him to shut it down and he didnt. If it really was him that I talked too!!! I want him arrested for fraudulent activity to my personal life. That is how my identity theft got started, I can get bank acct because Im a high risk to them. 
Please get me a FBI agent that I can talk to and turn over these papers to them about everything I have in this theft!!!!! My info XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX. XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JH Portfolio Debt Equities, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/19, I received a call on my cell phone from a woman working for XXXX XXXX XXXX ( XXXX ) asking to speak to my husband. I asked the woman what the call was in reference to and she stated it was to collect a debt owed by my husband for a XXXX XXXX XXXX account. Knowing that my husband doesn't have an account with XXXX XXXX XXXX and that he had received a similar debt collector call the year before, I advised her that we had never received anything in writing regarding this alleged debt and I asked her to provide me with more information about the amount owed. She told me that she'd give me that information if I could provide her with my husband 's address and social security number which I refused to do and told her to never contact me again. 

After this phone call, I contacted my husband to explain what happened. He told me he had the same conversation with this agency a year ago and the person he spoke to admitted that not only do they not have our mailing address, but they also do not have his social security number. The person demanded that my husband give him this information over the phone before the person would provide him with the alleged amount owed. We checked my husband 's credit reports from the three bureaus and he does not have an account with XXXX XXXX XXXX and there are no late payments or any collection activities on any of his accounts. We have surmised that this debt collector is a scam. 

On top of this, ever since the agency contacted me, I have been receiving 7-8 telemarketing calls every day even though I am on the do not call registry. I sincerely believe that this agency has sold my contact information without my permission. 

I looked online and I believe that this collection agency was recently purchased by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX, NMLS # XXXX, XXXX, XXXX XXXX XXXX I do not have an account number associated with this debt, as none has been provided to me but the woman I spoke to was able to look up the account using my cellular phone number, 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 2019-07-25
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:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX, XXXXXXXX XXXX XXXXXXXX , XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Company was threatening to garnish my check and at the time I had XXXX in family and I was signing my daughter up for college and they threaten that I would not be able to get a loan for her

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 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 2021-09-10
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:
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS FRAUDULENT. 
XXXX XXXX AND EXPERIAN WILL NOT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XX/XX/2016 XXXX XXXX XXXX  XXXX {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
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: Account information incorrect

Complaint:
I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX, enrolled in XXXX XXXX for XXXX XXXX, moved around and attended other campuses ( XXXX, WA ) then back to XXXX, AZ. Graduated XXXX. Enrolled in the XXXX XXXX XXXX through XXXX XXXX, relocated to XXXX, OH where I completed my course in XXXX XXXX. Started the Masters program with the same school and same lender XXXX Great Lakes Borrowers ). School shut down in XXXX ending my schooling. Filed a " School closure and loan discharge ''. Great Lakes Borrowers sent me a letter stating that my loans are discharged and I no longer need to pay on them ( XXXX, XXXX XXXX ). Great Lakes Borrowers informed me that only a portion of my loans ( around {$3200.00} is discharged ) but not the whole thing. In the letter, it does not specify that {$3200.00} amount but " Great Lakes XXXX XXXX XXXX will cancel the remaining balance on this portion of the student loan ''. Which all of my loans are through XXXX XXXX and no other institution. Also, contacted another " agency '' about my loan, they informed me that as of current, all loans processed from XXXX XXXX to current are discharged and Great Lakes Borrowers is in violation of that action. 

I want this loan discharge enforced, removed from collection by Great Lakes Borrowers and my credit reports to reflect that removal of debt. I have tried on many occasions to deal with Great Lakes Borrowers which denied this letter was on file with them though I have faxed and emailed it many times. 

Great Lakes ID : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called trying to get a loss mitigation option to short sale my property. I litigated through my attorney the foreclosure. I believe that the mortgage was not properly foreclosed on in accordance with the laws XXXX XXXX and XXXX. I personally feel that the investor lack standing to foreclose. They do not have a original mortgage note properly endorsed to them. 
The law firm that prosecuted my foreclosure did not send their motion for judgment of foreclosure to my attorney of record. This is the fact even though my attorney was on record as my representative. The judgement of foreclosure was granted with out opposition. 
I had some contact the XXXX XXXX XXXX XXXX on my behalf requesting a short sale to avoid the foreclosure. After being told to call back with proper authorization they were told that the investor does not do short sales. Moreover that after the sale the lender would give {$6700.00} for keys. Their would be no consideration of a deed in lieu or other loss mitigation option. 
I believe that they refuse to accept any other loss mitigation option because they are aware of the violations of my rights in the mortgage recovery proceeding and wish to clean it up by sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX is when I stopped making payments on my house. Wells Fargo refused to modify for 3 years, but finally began a modification XX/XX/XXXX. Wells Fargo added on all the late fees and late payments onto the balance of my loan. They then separated my loan into 2 loans and spread the loan with the same interest for 40 years. I tried in XX/XX/XXXX to modify again with Wells Fargo as property taxes had doubled and I could not afford the payment again. They refused on the grounds that they could but did share that I didn't make enough. I applied again in XX/XX/XXXX for another modification and my loan servicer was sold to XXXX XXXX XXXX within 2 weeks of my request for a loan modification. I have had my account changed twice already within a month with the new servicer and no results as of yet. All I want is to get my original loan amount back so I can go out and purchase a loan for a fair amount. 

I used XXXX XXXX XXXX XXXX XXXX XXXX ; however, they were unable to help me get a modification. It was XXXX ( XXXX-XXXX-XXXX ) that was able to get Wells Fargo to modify my loan in XXXX. I have called XXXX, but they were unable to help me and they do not consider HOA fees as part of your debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: ACS Education Services
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I received a FFEL Consolidated Loan through ACS and paid on that loan until XXXX. From XXXX through the present, I have worked as a public service employee. I was led to believe by ACS that my qualifying payments from XXXX onwards would be eligible for the Public Service Loan Forgiveness Program ( PLSF ). As a result, I believed that I had earned approximately 4 years ( loans were on forbearance at times ) worth of qualifying service towards PSLF. ACS NEVER informed me that my loan needed to be converted into a Direct Consolidated Loan. It wasn't until XXXX, when the government released their forms and clarified the requirements, that I learned that the FFEL consolidated loan that I had been paying on did not qualify. As a result, I applied and received a Direct Consolidation Loan. Like so many of the student loan borrowers, who were mislead about the program, I had to begin all over with repayments. Four years of service disqualified and four years of unnecessary payments all because ACS failed to inform their clients of necessary information!!! This is not fair to all of us past students who relied upon this loan servicer ( as well as others ) and are now having to continue with the burden of paying off our debt much longer than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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 have identity fraud alert on my credit reports and I'm having a hardest time having the items removed. I was an victim of identity theft back in 2015. I sent all three credit bureau a copy of the police report, stating that someone used my Social security number for their personal access. I have been fighting this for almost four years and they issue is still not getting resolved. I have a lot of hard inquiries that have not been removed, accounts that are not mines and etc. I was thinking about getting a lawyer to have this issue resolved. It is hurting me a lot, because I can not get approved for loans. Every time I dispute an inquiry or an account, the credit bureau always send a letter stating that the account was validate. I don't know what information they are using to validate that it is me. I know that they have an alert on my credit report stating that they suppose to be calling me when someone is using my information, but the creditors are not calling 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