BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, I was discharged in the United States Bankruptcy Court, XXXX District of Florida, Chapter XXXX. The debt on the condo I had financed through XXXX XXXX XXXX was also discharged. 

The condo was occupied by a squatter who lived there from XX/XX/XXXX to XX/XX/XXXX when the condo association filed suit against me for unpaid HOA fees as the bank did not foreclosure due to the many foreclosures in Florida at the time. In the meantime, XXXX XXXX XXXX had released their lien and the property was sold to the condo association via certificate of title for the amount due on HOA fees. 

XXXX XXXX XXXX, who apparently bought the loan from XXXX XXXX XXXX began sending mortgage statements and this showed up on my credit report as unpaid, so I wrote them a letter on XX/XX/XXXX and they removed this from my credit report. 

I then began receiving mortgage statements from XXXX XXXX and called them but they said they would need proof of my bankruptcy, which I faxed to them, but the mortgage statements continued to be mailed. 

Then, XXXX XXXX, a division of XXXX XXXX XXXX XXXX filed a Complaint against me and the condo association in XX/XX/XXXX, along with a Notice of Lis Pendens seeking to foreclose the mortgage. I filed an answer to the complaint stating that this property was discharged in bankruptcy. The case is ongoing in the XXXX Judicial Circuit Court of XXXX County, Florida, and I do not know what to do from here. I am still receiving mortgage statements for the balance due on a monthly basis. 

Just recently when I pulled into my driveway after work, a server stopped me in front of my home and asked if I would consider a deed in lieu of foreclosure on the property to XXXX XXXX and I told her that I do not own that property, that it was released in bankruptcy in XX/XX/XXXX, and the condo association is now the owner of the property. She asked if she could take a picture of me to prove she had spoken with me and I refused. She did take a picture of the home I currently own after I walked in the door.

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 2018-01-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint with Ocwen regarding incorrect and misleading information I was given by Ocwens employee XXXX ( rep ID XXXX ) regarding Ocwens Federally Declared Disaster ( FDD ) area assistance program. 
I am requesting that Ocwen fully research the call I had with XXXX ( rep ID XXXX ) who said she was working from XXXX, Iowa, on XXXX XXXX, 2017 around XXXX XXXX EST. XXXX is the agent who suggested the disaster area assistance program to me. XXXX said there would be no costs for participating in the disaster area assistance program and that there would be no adverse credit reporting would occur during the FDD program period. She never mentioned that the FDD program was a forbearance program and that it would be reported to the credit reporting bureaus as such. So, either XXXX was misinformed, gave me misleading information, or Ocwen acted inappropriately by reporting late payments during the FDD program period. In either case, I acted upon the information provided by XXXX and hence, Ocwen. I have suffered damages as a result. My credit rating has been hurt by falling over 12 points since the FDD program began. I have even been denied credit as a result of a negative credit experience reported by another creditor which can only be attributed to Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My husband and I both have, and have had loans through XXXX XX/XX/XXXX. We have both on several occasions set up, online, and over the phone automatic payments. 3 times. Once I tried. Twice he has tried. All three times we receive late notices through the mail with late fines attached. I am convinced this in on purpose so they can collect the late fines. The last time we called, they refused to answer their phones, and put us on a call back list. Four days later they have still not called us back. The last letter was XX/XX/XXXX. It says we have 15 days to pay. The last, of many, phone call we made was on the XX/XX/XXXX. XXXX XX/XX/XXXX says my husband owes {$85.00}. The letter also says we are fourth-five days past due. But we were living under the assumption our automatic payment had been set up, and that the bill was coming out of our bank accout. No email, to my knowledge was sent, and no phone call to notify us of any card number discrepancy or name misspell. Just a letter, already late, telling us we did not even try to pay. I am very frusterated and I would not wish this lack of customer service on anyone. It feels as though there are no humans running their business, only faulty computer systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection letter in the mail from Stenger & Stenger, P.C., claiming that I owe a {$620.00} debt to a credit card company. Per the FDCPA, within the 30-day period I sent a dispute letter dated XX/XX/2019 to the above supposedly debt collector disputing the mentioned account. The offices of Stenger received my letter on XX/XX/2019 via XXXX certified mail-return receipt. They then responded to my dispute with inadequate information to VALIDATE the debt in accordance with FDCPA and FCRA laws. They failed to provide me with any evidence that they are licensed to collect debt in the State of MI. They also neglected the required 30-day period to respond to my dispute and responded on XX/XX/2019 almost 2 months later! This is preposterous coming from this alleged company claiming to be attorneys at law who should have an understanding of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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:
FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH XXXX. MY EMAIL IS XXXX. 
XXXX AND EQUIFAX HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX  XXXX  XXXX   XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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:
FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH XXXX. MY EMAIL IS XXXX. 
XXXX AND XXXX  HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX  XXXX XXXX   XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA 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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have an unverified account from XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These are inquiries that were not authorized showing on my report 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 2017-07-13
Company: Experian Information Solutions Inc.
State: SC
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:
there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors

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 2018-01-01
Company: Messerli & Kramer P.A.
State: WI
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 have a case with Messerli and Kramer. According to the online court record, they tried to send me letter/correspondence on XX/XX/XXXX. I did receive information that they wanted to communicate with me electronically. However, I could not access their request due to a name change. The letter specifically stated that if I did not accept the electronic request, they would continue to communicate with me via mail. I could not and did not accept the electronic request. I did not receive any further communication from this company. Last week I got notification from my employer that they were required to begin withholding my wages. I had to go on to the WI Court website to locate the response form, as my wages are exempt from garnishment. I was not notified by the creditor of the garnishment or given the proper time frame or documentation by them to file my response. WI state law requires that they notify both me AND the employer. They only notified the employer. They also updated my address on XX/XX/XXXX, per the WI court reporting website, to an address I have not lived at until XX/XX/XXXX, which is stopping me from getting proper mailed documents, if any were sent, which according to the court file, none were. I did call in XX/XX/XXXX and left them a message in reference to stopping communications with me at work. After that, it feels that their debt collection practices became almost retaliatory in nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-10-07
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM NOW AT A STANDSTILL IN MY LIFE AND THERE IS SO MUCH I LIKE TO ACCOMPLISH. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRY DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( Professional Debt Mediation XXXX XXXX XXXX XXXX XXXX Florida XXXX ) amt {$1600.00} account number XXXX XXXX AND amt {$1200.00} account number XXXX XXXX 2016 BOTH OF THESE ACCOUNTS ARE INVALID I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in FL STATE.

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 2022-08-12
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:
Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( 1 )  payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 )  bureaus to fix this however, I have not been successful.

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 2020-02-13
Company: EQUIFAX, INC.
State: AR
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 pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are not mine. These suspicious accounts and inquiries need to be removed from my report. It is fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: AMERICAN EXPRESS COMPANY
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:
I'm a victim of identity theft. Even though I did not have any credit card from American Express, someone apparently used my ID information, opened a AmEx credit card in XX/XX/2017, and made purchases for about {$8600.00} using the card. I made several phone calls to the American Express office informing that the debt was from an identity theft. I reported the ID theft crime to ( i ) Police Department ; ( ii ) FBI ; and ( iii ) FTC. I sent all of the reports ( police report, FBI report and FTC ID Theft report ) to American Express to show them that I was a victim of identity theft and asked them to close the unauthorized credit card account under my name and remove any charges on the account. However, American Express said they are unable to accept my claim since I RECEIVED AND USED THE CARD ISSUED IN MY NAME although I never received the card and never used it. I requested all of the information provided to American Express at the time of the credit card application. American Express provided the information to me. Among the information, the person used a XXXX XXXX address and additional card member 's social security number and birthday which does not belong to me. Although I appealed American Express that those information is not mine, they are still not willing to accept my claim. Rather, they recently hired a collection agency to try to collect the debt that I have been disputing with them.

Company response to consumer: Closed with explanation