BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out and submitted complaint to SW Credit Systems Sent letter ( which Is attached ) requesting back up. 
Rec 'd XXXX XXXX XXXX bills for a service Bill ( which is attached ) is not my phone number XXXX not sure whos number this is. I do not have XXXX XXXX XXXX as a carrier for my service. 
This is clearly a mix up and not my charge. 
The amount is {$830.00} Either send a signed contract with my signature of this cell phone number or remove from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT have a signed contract with XXXX XXXX XXXX. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: I.C. System, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is SO FRUSTRATING. Three years ago I had a bill go to collection-this was already paid, well this lovely debt collection company decided to report it THREE YEARS LATER to mess up my credit. You should be ashamed of yourselves. REMOVE THIS FROM MY CREDIT REPORT ASAP OR I WILL GET A LAWYER.

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 2019-12-01
Company: Thaxton Investment Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: WI
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged {$740.00} on X/XX/17 by XXXX XXXX for a reservation that was not authorized by me. I was the passenger for the reservation, but the purchase was made and authorized by a 3rd party, using the 3rd party 's credit card information. XXXX did not credit my charge card after I disputed it with Chase ( credit card company ) stating that becuase I used the ticket and my phone # and email address were associated with the reservation that I must have authroized the purchase to my credit card. That is NOT the case. The 3rd party provided their credit card information ( including billing address ) via phone for the reservation and mistakenly I WAS BILLED. I can not reach the 3rd party at this time, but that is not relevant. XXXX XXXX provided documentation to Chase in response to my dispute showing the WRONG BILLING ADDRESS in the transaction, so therefore I did not authorize the charge, since the billing address associated with the charge is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2014 an account was opened in my name at an apartment complex named XXXX XXXX which left me with a collection that i do not owe nor have anu knowledge of on my credit report for the amount of {$450.00}. Since then i've filed a police report of identity theft and the apartment address was taken off my credit but the collection company refuses to take the collection off even after being told it was fraud and I was a victim of identity theft. I've filed an FTC report as well as disputed it with the credit bureaus numerous times and they still will not remove this collection from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Experian Information Solutions 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:
This is a complaint against XXXX  XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-08-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I had disputed 8 erroneous late payments that were showing up on my credit reports, and Equifax finally removed 7 of them a few month ago. NOW, I pulled my credit report again, and they have illegally REINSERTED the same late payments again without notifying me at all, which is a violation of the FCRA. Not only did they REINSERT them, they also are reporting that they were 90 days late, but not reporting 60 or 30 days late before that. That is also a violation of the FCRA, and inaccurate. I was never late on these accounts, and they had removed the late payments for MONTHS, and then suddenly reinserted them. The accounts are all " Dept of Ed/XXXX '' accounts. The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: LoanCare, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XXXX of XXXX, I have been in the process of refinancing, with my credit union, my current mortgage. During this process of getting the title work completed, it was discovered that Loancare , LLC, who was the previous mortgage holder, assigned to XXXX XXXX XXXX XXXX, my current mortgage holder, by instrument recorded on XX/XX/XXXX. Said assignment was executed on behalf of Loancare LLC by XXXX XXXX XXXX  XXXX as Attorney-in-Fact. Because the county in which we reside, XXXX XXXX in Maine, will not accept just a Power of Attorney, it must be a Discharge of Mortgage. I have attempted a solution through my title company since XXXX, XXXX ( 5 months at this date ). Loancare LLC is not cooperating with completing this Discharge of Mortgage, and thus the credit union can not close on my refinance. I would plead that this Bureau would intercede on my behalf to remedy this situation in some manner so that I can move forward. Thanks in advance for your help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
showing paid off accounts as collections either FCRA violation or FTC b/c these accounts are inaccurate information

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with XXXX XXXX. It is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-25
Company: Ability Recovery Services, LLC
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXXXXXX ABILITY RECOVERY SER Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ABILITY RECOVERY SER I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I requested account verification from Kohls department stores via certified mail and to have them mark my account as disputed with credit agencies within 30 days of receipt of my first letter per the FCRA. They have failed to provide me with a contract bearing my signature to verify the debt, and they failed to place the account as disputed with the credit agencies. I have the certified receipts and the dated credit reports to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BARCLAYS BANK DELAWARE
State: KS
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 company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with Barclays Bank. It is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: SET Financial Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2017 I received an alert that my Credit report had changed. Hard inquiries were removed from Transunion and XXXX accounts were deleted. I then noticed they were put back on without any notification by letter or email. I have made several calls to the Credit Bureau and still no assistance. I did take screen shots showing them took off and put back on. This caused my score to drop and a denial for a new car purchase. I just want them removed off.

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 2017-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX credit card limit on my Bank of America card. A XXXX balance I owe. I have been with them since 2008 and never been 30 days late, also re-paid all XXXX balances on time. Just now they made my credit limit exactly what I owe. Damaging my credit report as if I maxed my card to the limit. I have always paid back and never been late, they had no reason to reduce my limit after just raising it. I called the company to complain and she said you do n't have any 30 days late on our records, but we will have to pull another credit report to change it back to XXXX. Why should my credit score go down on an inquiry for a limit I already had? I have an XXXX XXXX with a limit way higher than that.

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 2017-06-25
Company: Home Point Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was being serviced by XXXX XXXX, they transferred mortgage to Home Point Financial Corporation effective XX/XX/XXXX. I sent my payment electronically through my bank ( XXXX XXXX XXXX ) payable on XX/XX/XXXX. Electronic payment was sent to Home Point and my account was not credited. I contacted Home Point via email and customer service telephone number ( XXXX XXXX XXXX ). I was asked to prove payment. I sent copies of my bank statement showing the payment effective on the date of XX/XX/XXXX. I was told that they do not accept bank statement as proof of payment. i went to my bank and had them fax proof of payment to Home Point. I received an email stating that they received my proof of payment and to allow 24 to 48 hours for my account to update. I waited over 48 hours and checked my account and the payment was still not posted. I contacted customer service again by phone and was told that the check they received was not legible and they sent it back to the bill payment processing center. I spoke to the Payment Processing Center, case number XXXX. I was told, and I have proof, that the money was transferred electronically. I will scan and attach documents from payment processing center and also email sent by Home Point Mortgage to me. They continue to deny that they received payment for our XXXX payment and now are demanding double payment for XXXX. Please advise as to how I should respond to this. Do I double pay in XXXX and wait for a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have found my access to Zelle has been permenately restricted. I have been speaking back and forth since 4 days starting on XXXX until today XX/XX/2022. I have spoke with several members of Zelle, Early Warning Systems, and XXXX XXXX XXXX XXXX. I haven given he run around since. I have asked for documentation several times and none have been provided. This information has been asked from XXXX, Zelle. Early warning services. XXXX explained to tell me there's nothing that can be done to help me, they didn't place the restrictions. Zelle has explained to me not their responsibility. Early Warning Services explained they don't have any information for me. I have done nothing against money transfers, banking guidelines. I still have not received any valid response from either party. I am just asking for something in writing. How can my account be restricted permanent with no valid response. 
This is so darn unfair as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2017-06-20
Company: Commercial Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On  XXXX  I was contacted by CRS  XXXX . The gentleman told me he was a lawyer who needed to get my side of the story on a debt I owed before going into court. He stated he was a lawyer and that the company I owed the debt to had filed legal action against me for check fraud that was punishable by jail time, fines, and restitution. He stated that unless I gave him my debit card information immediately they were going to move ahead with the legal filing against me. What can be done about this?

Company response to consumer: Untimely response
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: ME
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 have been trying to remove fraud alerts and statements from both my Equifax and XXXX credit reports and I haven't been able to. I would like to delete all fraud alerts and statements from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: NY
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 accounts showing on my credit report that I did not open, I am a victim of identity theft

Company response to consumer: Closed with explanation