BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$240.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion recently added a name to the credit report created by them that is not a legal name for me. 

By court order with the Circuit Court, 2nd Division in XXXX County, Arkansas, Judge XXXX XXXX approved an order for a name change with his signature and handwritten date of when the order would go into effect on XX/XX/XXXX. As of XX/XX/XXXX, the name XXXX could no longer be used for any purpose. The order applies to every person, business or government agency. 

Attached to this complaint is a copy of that court order.

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 2019-02-23
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am being contacted by a law firm for ocwen threatening foreclosure and to sue me for attorney fees despite XXXX of debt paid into a chapter XXXX and on the advise of counsel converted to a chapter XXXX. I have asked for assistance year over year. It is clear my loan was a part of mortgage fraud and greed. Yet I am left with nothing. Ocwen did not once attempt to call me. Everyone once again trying to get my home and equity to profit of me. My home did not close the sale because ocwen stated I owed a discharged paid debt from XX/XX/2005. The closing fell through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for a modification with Ditech at the beginning of XXXX. Called repeatedly and was told they did not receive the package and ask for more documentation which I would fax and mail repeatedly. This went on for months and finally in XXXX they indicated they had finally received everything. In XXXX I received a letter from XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. stating the mortgage was in default. I contacted Ditech and was told to disregard the letter and it would take 30 days for them to review the modification package. On XXXX/XXXX/XXXX there was a foreclosure notice published on my property. I contacted XXXX XXXX XXXX to find out if anyone was going to let us know about the foreclosure because we have received NO type of notification or letter from Ditech or XXXX XXXX XXXX, XXXX. and was told that I obviously did not know how foreclosures worked. I ask for a payoff and was told it would have to be requested and sent to Ditech which they were doing. As of today XXXX/XXXX/XXXX I have still not received anything from anyone. I called Ditech today to request a payoff and was told they could not give me a payoff only a reinstatement amount of {$21000.00} food through XXXX XXXX, XXXX. I was told I could not payoff my mortgage at this time that I would have to pay the reinstatement amount first then they could give me a payoff. I explained that we are trying to sell the property but we must have a payoff to know how much to list the property for. Again was told I could not pay off my mortgage balance. I asked if the call was being recorded and was told yes. I am attaching the one and only letter that I got Ditech to email me on XXXX/XXXX/XXXX. They indicated this letter has been mailed to us XXXX XXXX, XXXX but we never received it by mail. Was told today another letter had been mailed on XXXX XXXX, XXXX giving us a breakdown of everything but as of today we have not received anything and when I ask for the representative to please email me the letter that was supposedly mailed out, she hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have XXXX XXXX XXXX so i have no hospitals bills plus the Collections i see it wasnt me. My. XXXX had stole all my important things like birth certificate id social security card evrythjng and has been falsy usi g my identity..if i go to doctor my i suraces which are active pay for it all. So any that dont have my i surance wasnt me. Please help with this ... im homeless causr. Of my credit .my mothrr ruined it t she died now its my aunt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
TD Bank continues to pursue me for a debt related to a foreclosure that occurred well over five years ago. The property associated with this mortgage was surrendered in XXXX of 2011, and despite that, TD Bank continues with collection efforts. They continue to report that I have a balance owed to them on my credit report as well. The statute of limitations to collect a debt in the state of North Carolina is three years, so their continued efforts and reporting is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing to remove an unauthorized inquiry that I have already disputed several times. I am also writing to invoke my specified remedy for the damages done to my life by Transunion. The damage done to my credit report and credit score due to the inquiries that were on my credit score hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a natural person, and have affected my XXXX XXXX due to the financial hardships. The abusive practices of elaborate mechanisms who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a continuous and constant struggle and nobody should have to go through the XXXX XXXX and worry of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$22000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$22000.00}. The civil liability sections under the Consumer Credit Protection laws that I have added into the letters, protect me as the consumer and hold Transunion liable to providing me with monetary remedy for the misrepresentation, abuse, deceit, and damages done.

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 2017-04-19
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They contacted my sister in law 's father attempting to reach me advising that I had an outstanding debt. His phone number and address has never been associated with my name or otherwise. I am not even sure how they were able to contact him. He asked multiple times for them to stop calling but they did not and kept calling for months. He finally was able to get the information to me and I was able to call them.

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 2020-06-16
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Trying to connect XXXX to PNC, but PNC has made changes that cause it to be impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX Account Number : XXXX Bal : {$340.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

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 2019-12-20
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Us bank credit cards charge a late fee when you make a payment after XXXX. I live in the pacific time and it is not fair for them to charge a late fee to people living in the pacific time. we should at least be granted more time as it if were until XXXX instead of eastern time. It is not fair and government should do something about this time malpractice. Why hasnt anyone looked into this problem.

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 2020-06-16
Company: CITIBANK, N.A.
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:
THIS ACCOUNT IS A RESUL OF IDENTITY THEFT I HAVE COMPLETED A FTC AND HAVE SENT IT TO THE COMPANY AND ALSO TO THE CEDIT BUREAU CREDITOR IS ( MACYS DATE OPENED XXXX BALANCE XXXX ACCT # XXXX. I

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 2019-12-20
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:
XXXX is showing on my credit report. I provided a police report. This is fraudulent and wasn't authorize by 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 2015-11-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX Case Number : XXXX. XXXX DELETED the Bankruptcy information from my credit report ( SEE ATTACHED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Army and Air Force Exchange Service
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had an account opened XX/XX/XXXX. It is a store charge card. My limit was {$2800.00}. This account was closed XX/XX/XXXX, with a balance of {$3700.00}. Now in XX/XX/XXXX, I am told my balance is just over {$7800.00}. This is {$5000.00} plus over my account XXXX and {$4100.00} over my balance at closing in XX/XX/XXXX. Which already in XXXX months had approximately {$800.00} in interest. I've tried to reach out and get clarification on this interest calculation and how it it billed in an itemized fashion, to never have received. I had to restrict my calls to mail only due to uncomfortable conversation and tactics used to collect this debt. I am truly trying to understand how in 4 years I have accumulated {$5000.00} dollars interest alone. 
No person with Military Star card has in past four years of asking, calling or writing letters has assisted me in finding resolve. Also, I am unable to find among reps, leads, supervisors or management a single person that even knows if there is an error & how interest is calculated. How can I be charged for something that even the debtor can't explain? The way I see this, I have been charged interest and fees illegally that are unexplained. I'm being charged interest on other incurred interest not debt alone. 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 2016-09-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I XXXX have been married for 27 years. maiden name was XXXX Before this my birth name race XXXX DOB Is XX/XX/XXXX Last four of SS # XXXX. 
The Issue with credit service keeps putting A XXXX on my credit reports this women Race is XXXX. For the past 8 years I been trying to get a red flag on my credit report that the credit service would stop and look. My name is XXXX has been maiden name was XXXX before this. I have lived at address XXXX for passed 11 1/2 years. 
I WANT XXXX BAD CREDIT REMOVED MY MY CREDIT. THIS LADY HAS BAD CREDIT AND HAS HAD FOR SOMETIME. I CANT EVEN OPEN NEW ACCOUNTS BECAUSE OF A ERROR THAT THE CREDIT SERVICE IS DOING. THIS IS NOT FAR. I KEEP GETTING CALLS FOR THIS LADY AND MAIL. I DO N'T EVEN KNOW WHO THIS LADY IS. I SHOULD N'T HAVE HER INFORMATION ON MY CREDIT. PLEASE REMOVE XXXX FROM MY CREDIT REPORT. 
ANY QUESTION CALL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Numerous credit cards were fraudulently opened in my name due to identity theft. I filed all necessary paperwork / affidavits / police report. Target said they did n't receive my paperwork. I resent and was told they would contact me when they received it. They forgot to contact me. They also forgot to process the paperwork. They have not forgotten to send me fraudulent bills for over {$3000.00}. They will not provide me with information on how to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, U S DEPT OF EDXXXX. 
Company Inquiries 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 2015-10-13
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I purchased an item that I never received using XXXX XXXX 's website and it 's retailer credit card. I was told that the purchase would go into dispute, but someone made a mistake and it never did and subsequently the amount owed went past due and collected interest. It was then reported to the credit bureaus. I have since asked XXXX XXXX 's credit services to refund this amount, and again it is in dispute and has been reported in that manner. XXXX were cooperative and changed my information regarding that account accordingly. Experian, however, has refused to update the information and has left the negative information regarding my standing with XXXX XXXX despite having disputed it with Experian XXXX times. I attached the following letter to my latest dispute but they have responded by saying it was updated, but the information remains the same as previous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi My name is XXXX XXXX, I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance.

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Received advert with Reservation Number : XXXX and Access Code : XXXX for credit card. Nowhere on advert does it say a hard inquiry will be made and nowhere on website portal.

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