BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX Balance {$660.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Seterus, Inc.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company, Seterus , Inc., misapplied a payment to escrow instead of to our loan balance. Despite numerous calls, this problem has not been corrected, our account is showing past due and late charges have been applied. A negative report has been sent to the credit bureaus resulting in a drop of almost XXXX points on our credit score. I have never missed a payment on this loan, and have never been late with a payment except when I was given incorrect information with regard to correcting this error on their part. This has been going on since XXXX 2015 and is still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I just filed a complaint against equifax because, after repeated attempts with no results to get my report changed, I contacted CFPB and filed a complaint. Thanks to your good work, Equifax now shows that I filed for bankruptcy in XXXX. They do n't show that my petition was also discharged in XXXX. Also, the date of reporting is currently listed as XXXX but I first sent this information directly to Equifax in XXXX so I 'd like my report to reflect that the bankruptcy was reported several times in XXXX. Without notice of discharge, my loan officer ca n't give me a better interest rate on my car note. I 'm trying really hard to reduce my monthly payments in order to make my expenses more manageable. I 've attached the notice of bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX {$440.00} COLL {$440.00} - {$440.00} - - - XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-01-19
Company: AMERICAN ADVISORS GROUP
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
AAG authorized an additional XXXX on a line of credit to my mothers reverse mortgage. In XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX ( XXXX ) see attached. These were done with a simple unverified form - the signature on file is not my mothers, this would be simple to check from AAG. My mother was in the hospital during the first authorizations and would not have been able to sign and fax these forms, she had no authorized POA in place as well and managed her finances. She was also very XXXX with XXXX  and her signature would have been needed to be done with a notary. There is an approval stamp on these from AAG, but there was no verification done. This at least should have been suspect since the last amount she took out was XXXX in XXXX. I would have expected some communication with my mother on this matter prior to these withdrawls. 

I am the executor my moms will and discovered this during my review of the loan when my mom passed in XX/XX/XXXX. I have sent an email to AAG, but have no received any response. This is predatory loan behavior of XXXX  citizens and AAG should at least follow the fraud rules of the XXXX number as a typical bank. This greatly impacted her care and her estate. 
My role is her daughter and also the executor of her will. This is very upsetting to the entire family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Debt has not been accurately verified. They have not produced a contract with my signature as requested.

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 2015-11-24
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a letter in the mail from American Express attempting to get me to get their credit card. They acknowledge in the letter that I have outstanding debt with them. As part of the debt agreement, I was required to sign a statement that I would not ever apply for an American Express card again. I did not ask for this and consider this entrapment and harassment on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keep receiving a bill from Transworld Systems for XXXX XXXX XXXX XXXX XXXX. I have asked for records, not just a bill or collection notice. I have no record of using this company - and I have no idea who they are. Then to send me a bill for {$440.00} after 8 months is bad practice and bad faith. In addition - I have requested these detailed records 4 times!!! I have never received them - just another bill/collection notice

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling upwards of XXXX times a day, often with repeated phone calls occurring within minutes of each other. They are also switching phone numbers every few days, making it very difficult to get them to stop calling. 

In addition this company, despite having called in excess of XXXX times, has never left a single voice mail message. 

Finally, based on the calling pattern and lack of messages, it appears that the company is improperly using automatic dialers ( ie, robo dialing ), which we have never given consent to, putting them in violation of the the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XX/XX/XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). 

After receiving this information, attorney for the plaintiff, XXXX and XXXX, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XX/XX/XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was negotiated with the collection agency to be paid for a settlement sum and they agreed to remove it from my credit report. They continue to report this debt as being open collection even though it has been paid. They also are not abiding by our agreement to remove as open from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My escrow account is reflecting a lower amount on the customer facing website/software that I log into than what the representatives see on their side. My view states the escrow is at {$120.00}. However representatives on the phone are stating that it contains {$1200.00}. Which is it? Why is your customer software reflecting a different amount?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is in regards to Portfolio Recovery Associates. They started calling me XXXX years ago about a debt I had never heard of before, claiming it was from XX/XX/XXXX or XX/XX/XXXX, or somewhere around there. I told them I never had a credit card with the company they said was the original creditor ... so they said, it used to be another bank ... and I had still never had a card with that company. I asked them to send me something showing what this was actually for and they refused, said they could n't. When the next person called I said the same thing ... send me some paperwork because I do n't owe anything to this company. This person said I would have to submit in writing and they would send me a form, which I never received. Months later another woman calls and again refuses to send me anything, saying they have nothing they can show me, but is demanding my bank account number over the phone to pay them off. I asked her if she would give her bank account number to some random person that called and claimed she owed them money. She was yelling at me and I finally hung up on her. This same woman continued calling me for months being very rude and arguing with me. I stopped answering the phone eventually. Then I did n't hear from anyone for a couple of years. Then I started getting calls again from all different numbers, which I now never answer. They call a few times every couple of months and this is frustrating ... I do n't want to receive these calls forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX been sending a bill, since XXXX, 2016 in which they have put my name, on another resident 's account. I have never resided or received care from this facility. I was operating strictly as resident 's, POA, with no financial responsibility. All statements were signed resident XXXX XXXX by POA for this account. I have requested XXXX XXXX to remove my name from this account. Resident passed on XXXX/XXXX/16 and I no longer have authority to operate as her POA. 

On XXXX/XXXX/16 I received a letter from Transworld System, dated XXXX/XXXX/16 stating that they were attempting to collect a debt for XXXX XXXX account XXXX. I immediately responded by phone and letter informing them that " I dispute having any debt of any kind with XXXX XXXX XXXX. Please send any verification of debt, including an itemized statement of all actual charges, dates and services billed, the charge and billed amount as well as signature of financial responsibility or consent for services received at XXXX XXXX. Failure to provide said information means that you need to immediately remove my name from this invalid debt. '' On XXXX/XXXX/16 Transworld responded, stating that they had contacted " the creditor, XXXX XXXX XXXX XXXX requesting for validation of and would forward any materials received as a result of request. '' On XXXX/XXXX/16 Transworld Systems sent another statement claiming I " still have time to exercise my rights '' and " they still show an unpaid account '' in the amount for {$1800.00}. 

I called Transworld on XXXX/XXXX/16, spoke with XXXX XXXX in collection dept. I Informed her that I continue to dispute having any debt of any kind with XXXX XXXX XXXX and Transworld failed to send any documentation verifying that I have a debt with the above creditor, as stated in their letter on XXXX/XXXX/16. XXXX acknowledged the debt was for resident and that she is deceased. She said that the account was closed as canceled on XXXX/XXXX/16, but was reopened on XXXX/XXXX/16 with no explanation. She agreed to look into the matter. 

I have followed the phone call with letters, dated XXXX/XXXX/16 to : Transworld Systems Inc.,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, restating that I dispute said debt, have never received services from XXXX XXXX and have not signed any financial agreement for any services from them or for XXXX XXXX. Please remove my name from the account. 

Please look into this matter and have XXXX XXXX XXXX XXXX and Transworld Systems Inc. to immediately remove my name from this invalid debt and close out this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Usually once a year or so my cell phone company, XXXX, says I have a past due amount. I get turned into collections for a debt that is n't really owed. This is n't the first time this has happened. My XXXX XXXX app just updated my score and it dropped about XXXX points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Medical bills from XXXX that 's not mine. I 've had XXXX insurance since 2011 so I would n't have a reason to go to this hospital

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2020-12-18
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX American Express contacted a family member again after they agreed to cease all contact. 

American Express is violating FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: GEMINI CAPITAL GROUP, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
on XX/XX/2016 I enrolled into a XXXX Counseling XXXX for all my credit cards. I enrolled through XXXX. XXXX of my credit cards with Schools First FCU was enrolled into the program and accepted by them. I was to make reduced payments of {$170.00} effective immediately. Around XX/XX/XXXX-XX/XX/XXXX I began to receive collection phone calls on my account from Schools First FCU regarding my Credit Card Account. I received a voicemail that it was imperative that I returned the call back to them. I phoned back their office and spoke with a collections representative regarding my account. I also let her know that I was enrolled into a consumer debt management program. She stated that she had that information on file, but that she needed to speak to another department. I also informed her that a payment of {$170.00} ( proposed payment was sent to Schools First on XX/XX/XXXX ). She re-assured me that she was looking into the issue and not to worry. I also asked her to make sure the account was not going to be reported as past due to the credit bureaus or any late reportings. After she came back to line doing her research she told me that the credit union had not properly processed the information and in fact after speaking with that department my proposal was accepted and good to go. She also assured me that everything was taken care of and I was not to worry about anything. I should not get any more collections calls and everything was good to go on my credit card account. Now as of today, Schools First FCU is reporting my account as beyond 30 days past due to the credit reporting agencies and providing false information when in fact I was told something different on XX/XX/XXXX and XX/XX/XXXX. Also my XXXX spoke with Schools First Federal Credit Union on XX/XX/XXXX and they confirmed as well that everything was good to go and the proposal was accepted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation