BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: Telerecovery Corporation
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:
Telerecovery placed a debt on my credit report that does not belong to me. The company that hired them called Telerecovery and verified the social listed in the records was incorrrect and requested the information be updated and removed from my credit report. I asked Telerecovery for something in writing advising this was an error and they have submitted the request to the credit bureaus to remove the account. They advised me the company does not provide written documentation of such request. The supervisor advised they already submitted the request and she could verbally give me the AUD # of the request they submitted. When I asked to speak with her manager, the manager advised that the request had not been submitted and they are " working on it ''. The fact that these people are frustrated that I 'm asking for this information based on their error and incorrect information is astounding and completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX account # XXXX and XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. 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
Consumer complaint received 2023-01-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2016 I set up an account with Citibank to store XXXX XXXX XXXX security deposit of {$1900.00}. I left this account alone until on XXXX I was trying to access this deposit to return to XXXX XXXX I found that the account had been closed and Citibank could not provide any record of what happened to the money that had been in the account. I requested that I be compensated for the missing funds and that I be provided an explanation of what happened. I had multiple conversations with banking associates and the bank manager who over the course of 8 months insisted that they were escalating the manner for a new level of inquiry. After this " thorough '' investigation I received a letter that the account was closed by Citibank ( without my permission ) when there was an overdraft of {$38.00}. I did not receive any information on the source of this overdraft or any information on what happened to the {$1900.00} security deposit that belonged to XXXX XXXX. It feels like Citibank is hoping that I will give up and forget about this lost account. this leaves me little choice but to pursue legal representation and lodge this formal complaint.

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 2017-06-24
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In the past several months, at least once a month, I receive a letter from Chase Bank denying a request for a n Amazon .com Visa Signature card. Thankfully, these continue to be denied. My problem is I have never applied for these cards. I do n't want Amazon or Chase bank to continue to check my credit. What if my credit improves to the point they actually open these accounts. I have spoken to chase bank a couple of times. They have given me the fraud department # to speak to a specialist.      I spoke to chase bank today, I was given the fraud number and told the fraud department is closed on Saturday and I need to call during the week. The letter from chase bank is dated  XXXX / XXXX / 2017  and has a reference #

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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:
I am currently going through a divore and I was no longer living at the address that was on file for the utility company. There was an outstanding balance of {$100.00} that went into collections and I had know knowledge of this until it hit my credit report. I contacted the collection agency and quickly paid the debt. I was hoping that the derogatory mark can be removed from my report. The agency that handled the collection was Helvey Associates on  XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: AZ
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am once again unable to unfreeze my credit report with Experian. I could temporarily unfreeze my credit report with XXXX and XXXX in less than 5 minutes. However, despite having a working account with Experian, I can not get past a " Free Offer '' once I successfully log in. The site does not work, and considering I am XXXX  military, I can not contact anyone during my working hours. Their website is either purposely confusing or poorly designed. Either way, this is preventing me from obtaining a mortgage. Their phone system only directs you to their ineffective site. See attached screen shots.

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 2017-06-24
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
Hello, On XXXX XXXX XXXX I sent the first of many letters to all three credit bureaus Equifax, XXXX  and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. <P/>I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. <P/>The dates of the letters are as follows First Letter XXXX XXXX XXXX - Equifax XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX Second Letter XXXX XXXX XXXX - Equifax, XXXX, XXXX Third Letter XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Equifax, XXXX Fourth Letter XXXX XXXX XXXX - Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had an unpaid balance of {$1100.00} and was charged {$110.00} in interest in 1 month. My interest rate is 16.74 % and I should have been charged {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I settled this debt with the attorney Portfolio recovery sent the debt too. Now my account is showing that I still owe over {$300.00}. 

I filed a dispute with XXXX, Portfolio claims the debt is valid. 

I filed a dispute with Portfolio over a week ago and haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: AES/PHEAA
State: PA
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:
My dates opened arent the same on each credit bureau, my date last active arent the same on each credit bureau & my last reported dates arent the same on each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Seterus, Inc.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/XXXX Seterus Inc. sent me a modification offer which I accepted. The modification consisted of three monthly payments in the amount of {$410.00} each for a trial Period Plan, which I make all of them : -XX/XX/XXXX {$410.00} Confirmation # XXXX XXXX XXXX {$410.00} Confirmation # XXXX -XX/XX/XXXX {$410.00} Confirmation # XXXX After this Trail Period which I successfully paid, Seterus Inc. allow me to continue with regular payments which I make payments each month till the hurricane Maria Destroyed XXXX XXXX : XXXX XXXX {$410.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX After the Disaster Seterus Inc offered me a Disaster Relief Forbearance which I accepted by that time personnel who I talked on the phone told me that after the forbearance I was going to be able to continue with my regular payments. 

Since XX/XX/XXXX I have been calling to start paying my mortgage again but Seterus Inc pretty much are trying to force me to do a foreclosure which I dont want, I just want to continue making my regular payments or make a modification that I was promised at the beginning. 

Also I have been told by phone that the modification from XX/XX/XXXX I was offered wasnt approved, if thats the case why you allow me to pay the Trial payments and then a consecutive 6 months of regular payments. If wasnt approved where that money go.

There are many things here that do not make sense, I hope with this information you can help me to clarify any doubts and help me to keep My HOME! 

There's a trend of predatory Behavior with this Company Seterus Inc. this is not just happening to me only I've been reading thousands of similar cases.

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 2020-12-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i am a victim of identity theft and i noticed a lot of inquiries on my credit report and also an account that needs to be validated by signed documents by me authorizing this account

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 2023-03-15
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt was disputed off my credit report but still showing up on XXXX XXXX six times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing rights to my mortgage were recently purchased by Mr. Cooper. So far, I have made two automatic monthly payments of {$2700.00} each by linking my checking account to personal checking account to my Mr. Cooper mortgage account. I have only authorized Mr. Cooper to make withdrawals on a particular day for my regular monthly mortgage payment. 

On Saturday, XX/XX/XXXX at XXXX XXXX, I was sent a generic email message from Mr. Cooper to inform me that their " vendor '' mistakenly processed unauthorized withdrawals from many different customer accounts. They promised it would be resolved quickly and that they would cover any overdraft fees, but this was still very concerning to me. I checked my checking account balance over the weekend and there was no withdrawal processed, so I assumed my account was not affected. However, today I checked my account and Mr. Cooper had processed FOUR SEPARATE WITHDRAWALS OF {$2700.00} EACH that were cleared by my bank yesterday XXXX Monday XXXX. While I also had transactions processed the same day to reverse all four withdrawals, I am incredibly angry that such large amounts of money were processed through my checking account without my consent and with very little information or notice from Mr. Cooper. 

How is it possible that internal controls at Mr. Cooper would allow such a huge mistake affecting many of their customer accounts? How did it not raise flags that for my account ( and many others like it, according to press accounts ) that multiple withdrawals were being processed on a single day, when the norm would be one such withdrawal per month for a mortgage that is payable monthly? I am flabbergasted that this wasn't caught beforehand, given how unusual this would be for the typical mortgage account. This could have been a major problem for me and other Mr. Cooper customers ( who, like myself, probably aren't Mr. Cooper customers by choice ), particularly given cash flow issues faced by many during the pandemic. I am requesting that this be investigated and that Mr. Cooper be held accountable for this issue. I am extremely disappointed in the " explanation '' that has been given by Mr. Cooper to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: PA
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 not liable for this debt with XXXX XXXX and an account from XXXX XXXX do not have a contract with any collection agency. They do not provide me with the original application as I asked for Proof of copy of the original application including my signature Full payment history from the original creditor, and original agreement showing they can legally collect the debt. If cant send proof delete this account from your credit report as soon as possible! This is under 15 USC 1692g because they were to notify me of this in writing 5 days prior but I was not informed at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Dear Sir/Madam : 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 # XXXX 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 XXXX Opened XX/XX/XXXX - {$1300.00} Original creditor : XXXX XXXX XXXX {$1300.00} Highest Balance {$1300.00} Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Original creditor : XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened XX/XX/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 2023-01-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-26
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, i received a threatening call from a company called XXXX   XXXX XXXX out of XXXX ( not a registered business ) stating I owed on a XXXX  loan that i did not take out. My identity was stolen sometime between XXXX and XX/XX/XXXX. I told the debt collector I had already spoken with XXXX about my identity being stolen and gave them my current address and they said they would investigate it. THis debt collected said his client was taking me to court unless I paid the loan off or set up a payment plan. I asked who the client was and he said he could not tell me that I would have to figure that out on my own. Not knowing my rights I gave him my debit card number. I called XXXX and they said they had on record my identity was stolen and there was nothing owed on my account. I requested the account be closed. I asked if they sent me to a debt collection agency and they said there was no record and that I should cancel that card immediately. Today, XX/XX/XXXX, I received a voicemail stating that I will be sent to court for stalling tactics on paying my debt unless I call today and take care of the debt. Here is the information i have : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The amount is {$2400.00}. Phone number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt is not from the original creditor as I got a letter showing another company paid for a debt they claim belongs to me again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The debt originator does not have the original or signatures from me, They did not provide me with who was spoken to and when was this debt assigned to collect. They are not giving me any evidence to show clear ownership of the account. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please have them provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

Company response to consumer: Closed with explanation