BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: SAMUEL I WHITE PC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The office of Congressman XXXX XXXX told me to fill out a form with CFPB in order to have this matter addressed. My home was stolen. My sisters and I inherited my deceased sister XXXX XXXX XXXX 's home XX/XX/XXXX through Probate Court ( small estate ) the address is XXXX XXXX XXXX. XXXX MD XXXX. XXXX passed away XX/XX/XXXX. I became sole owner XX/XX/XXXX through Quit Claim Deed. XX/XX/XXXX my home was fraudulently foreclosed by Samuel I. White  Law Firm representing XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX my family and I were illegally evicted by two men impersonating I have a XXXX year old XXXX XXXX   son who has been scared by people I believe they work for the law firm and/or real estate agents /developers. The occupants in my home are doing a rent to own on file with Land and Records they have a Special Warranty Deed and a Money Deed no bank was involved. 
I have been harassed and it continues today, my mail has been stolen, robotic signatures, my emails hacked, my incoming and outgoing phone calls have been forwarded to someone impersonating the company or me. I am currently living in XXXX MD XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MD XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IC SYSTEM ( 11 XXXX XXXX  XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-05-07
Company: EQUIFAX, INC.
State: NJ
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 filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-06-09
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I consumer XXXX XXXX have notified this law firm on that they are violating me by saying I owe a debt. They claim to have a judgment but the law 15 USC 1692g ( c ) clearly states the failure of a consumer to validate a debt may not be construed by any court as an admission of liability by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: JPMORGAN CHASE & CO.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My Western Union account was compromised on XX/XX/2019 for {$820.00}. The company is refusing to refund my {$820.00} when I did not authorize this charge. They are refusing to go after the individual who picked up the money who I do not know. I believe one of western union employees went into my account and used it to send money overseas. I know they were reported to the FTC due to scam and fraud issues last year and yet they continue to allow these things to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting 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 2019-10-02
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file over and over as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint multiple times and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought 2 {$100.00} XXXX gift cards at XXXX apparently sold by US Bank. When I went to use them, they would not work. I had to put all my groceries back. I went home and called XXXX and was informed that the cards had been compromised several weeks earlier, but US Bank hadn't bothered to take them off the shelves. It took over an hour, but they finally agreed to send new cards, but refused to refund the activation fees or to overnight the cards. I was told that they would arrive in 14 days.

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 2019-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have done substantial amount of work on my financials and my credit, though not yet perfect has improved considerably. 

Last month all collections account dropped. Only one credit card had a high credit usage ( 66 % ), everything else <12 %. My overall usage was 13 %. All payments made on time for at least 1.3 years. According to what I see in Experian, I am doing just great and my score was XXXX for 3 months. 

This month, I decided to drop my debts even more to boost the score. That 66 % usage card dropped to 49 %. The other cars <9 %. My overall utilization 10 %. 

All else remaining the same, I was surprised to see my score stayed at XXXX!!! 

With the same identical information, XXXX  and XXXX increased a couple of points, which surprised me but at least its a movement. However Experian 3 months, not budging. 

It use to be in the past that the slightes such change would reflect greatly in the scoring, nowadays, I think Experian and other CRAs are pushing people to migrate from Fico 8 to Fico 9 by keeping things desperately stagnant. Maybe Fico is the problem and not the CRAs. I just feel as a consumer that I am not getting the credit due and my hard work to improve my credit is pointless. FICO and the CRAs want to be more and more invasive. 

To add insult to injury, todat I received an alert that I had a hard inquiry. The Experian FICO dropped 1 point!!!!. 

It increase 0 points for what it called a substantial drop in utilization from 66 % to 49 %, or for all the other balances decreasing, or for the collection account falling off. But it budged down 1 point for a hard inquiry. 

So what does that mean? 

There is a lack of transparency and it should be looked at. I am ready to shop a lawyer and sue because I do not get this at all. I worked so very hard, paid down so many debts. 

This scoring system has become a farce that is not to the consumer 's benefit.

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 2021-09-16
Company: Direct Recovery Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call and voicemail from XXXX ( a XXXX  number ) and the voicemail stated someone else 's name and said their debt collection client was demanding a decision for repayment. I am not the named person in the voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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:
XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-10-02
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Was trying to purchase soccer game tickets for a XX/XX/19 game in XXXX XXXX on XXXX, contacted seller they had me send {$1.00} via google pay on XX/XX/19 then send an additional {$330.00} via google pay on XX/XX/19 as well. After sending the second amount seller stopped responding to me and never sent me the tickets. I disputed with google and they informed me there was nothing wrong that the receiver did and would not pursue any action.

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 2017-11-17
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for US bank silver checking account using a promo which would give me {$200.00} once I meet the criteria. The criteria was to make 2 bill payments of {$25.00} or more and my account will be credited with {$200.00} in 60 days. 
I met the criteria on XXXX XXXX XXXX. Its been 68 days and I have n't received the {$200.00}.

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 monetary relief
Consumer complaint received 2019-10-02
Company: ERC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM XXXX, XX/XX/2019 ERC, XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dear ERC, I am responding to your contact about collecting a debt. You contacted me and identified the debt as being in collections on my credit report. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX 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 2019-10-02
Company: EQUIFAX, INC.
State: NV
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:
Individual : Bankruptcy ( Discharged CH-XXXX ) ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported. I made efforts to remove this account from my file as it does not belong to me. This account was fraudulently opened and reporting through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a credit card with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CURO Intermediate Holdings
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: Account information incorrect

Complaint:
I never attended XXXX XXXX college yet it shows I have loans over there??? I called them and they admitted that someone used my identity, I filed a police report against fraud and also contacted the social security department. 

Yet student loans still appear on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For years now I receive excessive calls throughout the day from Portfolio Recovery. I have told them constantly i did not open this card and my social security number had to have been compromised, I am fed up, I am getting calls 2-3 times a week. Now I am taking action, if this account isnt removed from my credit reports, I Ill formally be filing a lawsuit, I will ask the court to summon the telephone records that would show the amount of times I have been harassed by this company!! I will also request that Portfolio Recovery incur all my court costs. I am not the only on who this happens and i am not the only one fed up, I will gladly start a class action lawsuit for failure to abide by the guidelines set forth in the first lawsuit!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
I started the loan process with quicken loans and during the process of them pulling my credit, they never attempted to verify the fraud alert placed on my credit report like every other lender I have dealt with. the fraud alert is in place with all 3 bureaus and there was no attempt at all to verify my identity, I have spoken with XXXX  regarding this and they told me I would need to contact cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX XXXX XXXX CITIBANK - XXXX is listing an account as Citi Bank account ton my XXXX  report. My social ends with xxx-xx-XXXX, the account is not mine and has a different social and name. Citi Bank removed it last year and now it appears again.

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 2019-10-02
Company: Experian Information Solutions Inc.
State: CA
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:
In 2018, I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts/collections with XXXX XXXX and a number of inquires that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Insurance paid this debt, now the debt collector is attempting to recover money not owed. They're also using a malicious practice of reporting the same debt multiple times in a fraudulent attempt to collect a debt not owed

Company response to consumer: Closed with explanation