BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Experian to remove these inquiries from my 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 explanation
Consumer complaint received 2016-07-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a discharged Chapter XXXX Bankruptcy that is on my Experian Credit Reports that does not belong to me. I have disputed several times with Experian and they continue to verify. I have inquired to both for the verification information ( how it was verified and who verified it ) and they have failed to supply this to me. After looking up the Bankruptcy ( public information ) that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record does not belong to 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 2015-05-30
Company: KEYCORP
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been contacted by Key Bank, employee XXXX XXXX who called my home at XXXX on XXXX/XXXX/15 about a student loan I did not co-sign, for aproximately $ XXXX. XXXX XXXX was very rude, obnoxious and in my opinion used abrasive and harassing language.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX I sent XXXX/TransUnion/XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' this item through XXXX XXXX. I then went to XXXX XXXX to dispute the item in question and XXXX XXXX was not able to verify the bankruptcy, so they deleted it from their database. 

Then again on XX/XX/XXXX and XX/XX/XXXX, I sent another letter to all 3 credit bureaus and showed them the deleted bankruptcy from XXXX XXXX as well as letter from the courthouse stating they do not report to any agency. The letter is also informing them that if they could not verify how the item was verified, then it needs to be deleted according to the FCRA. Once again, they refused to delete this item which is hindering my ability to purchase a home and causing me to pay thousands more in interest per year. 

Since XXXX, I either got no response to my inquiries or a generic " account is verified '' with no explanation which I ask them to refrain from. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2022-08-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I file a complaint XX/XX/XXXX and XX/XX/XXXX And FTC report was filed as well in regards to below account ; XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type XXXX XXXX XXXX XXXX Individual Date opened XX/XX/XXXX This account is fraudulent and does not belong to me. I will be attending documents to support my claim that I was incarcerated from XX/XX/XXXX until XX/XX/XXXX theres no way I could have open an account with these people. Thats probably why they will not respond to my Validation letter that I sent out on the above dates.

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 2017-03-16
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Incorrect information on credit report far as my Name they have XXXX, XXXX, XXXX. My name is XXXX also they have my address wrong on the report they have XXXX de XXXX, XXXX de XXXX, XXXX del XXXX, XXXX De 1XXXX,XXXX del XXXX,XXXX pa XXXX,XXXX pa XXXX,XXXX de XXXX,XXXX pa XXXX,XXXX pa XXXX, XXXX pa XXXX,XXXX del XXXX,XXXX de XXXX, XXXX de XXXX,XXXX pa XXXX, and my addresss is XXXX De 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 non-monetary relief
Consumer complaint received 2016-01-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've submitted multiple disputes to Experian in regards to collection accounts that XXXX XXXX XXXX has inserted into my credit report as credit tradelines. I provided documentation to Experian on different occasions and each time the accounts come back verified. I supplied Experian a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the XXXX Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate. 

Documentation attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a letter stating that someone opened a Dillards credit card in my name. I did not open a credit card. The limit was {$1000.00} - and they spent {$990.00} on it the same day they opened it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I ordered a product on https XXXX XXXX When I went to checkout, nothing happened. Then I received an email with instructions to send payment via paypal as a friend/family payment. When I did, I never received the digital download of the product. I did some research and found the actual copyright holder of the product and ordered through them. I requested a refund from XXXX, but received several vulgar and threatening replies from them. I asked the copyright holder if XXXX was a licensed distributor and they said they were not. I am now receiving death threats from XXXX. The most recent message is : XXXX XXXX XXXX XXXX ( 22 minutes ago ) to me you are a dog. 
Your whole family will XXXX  soon : ) ) I have the entire email thread saved. 

Also, I attempted to report this through paypal, but their customer service is impossible to access. I wasted an hour trying to send a message to paypal and got nowhere. Just pop ups stating I can not send them a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: ProCollect, Inc.
State: MD
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:
XXXX XXXX XXXX, located in XXXX, Texas, mistakenly sent my name over to ProCollect in error as part of a new XXXX training.

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 2015-05-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ProCollect Inc. tried to collect a debt from me from XX/XX/2010. I never received a bill from the original person ( s ) and now 5 years later, this debt is on my Credit report. This is a medical bill from the physician that I never received. In Texas, this is past the statute of limitation and I have asked ProCollect to immediately remove this debt from my Credit Report. I have a daughter that will be heading to college shortly and this can ruin her financial aid if I cant apply for a loan to help her in school. I am asking for assistance in removing this debt from my credit report and to stop ProCollect from doing this to other people. This company needs investigating. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Federal Cash Advance, LLC of Oklahoma
State: TX
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
CashMax loan that was paid for.Now a company is threating me with jail time if I dont pay off the loan. That has been paid. Also says they are trying to collect on behalf of the bank. XXXX who I use to bank with. 

XXXX XXXX was the name he gave meXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

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 2016-10-08
Company: Prosper Marketplace, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received an XXXX loan from prosper marketplaces. I paid it off in the month of XXXX 2016. In XXXX of 2016 I receive a late payment notice on my credit report. I immediately contacted Prosper and spoke to an XXXX with customer service. XXXX stated that my loan had been paid off and closed but my account was never closed. I was never told an account was opened and never asked for one. XXXX said the account does not generate fees but my credit report shows that the account requires a {$35.00} monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Arbor Residential Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, Seneca Mortgage, allegedly paid my property taxes on XX/XX/2016. It transferred my mortgage to a new service shortly thereafter. The county I live in claims it has n't received the payment nearly a month later. When I call Seneca, I ca n't reach a live human to get information on the disbursement. If I enter my old account number, the automated system just forwards my call to the new servicer, who does n't have any details about the alleged payment except for date and amount.

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 2015-05-18
Company: KEYCORP
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these items are inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife now my ex wife lived in home at XXXX XXXX XXXX XXXX, CA we bought home XX/XX/2005. I was the borrower she the co borrower with power of attorney for me recorded with XXXX County Recorder. I was retired and living in my home in XXXX XXXX XXXX, XXXX I can provide utility bills if necessary. I have never had a utility account at that address or signed any agreement with the city of XXXX only her or renters but never me. She was caught by IRS committing tax fraud in my name and is currently being investigated by the FBI for mortgage fraud. She stoled my identity cleaned out my bank accounts and IRA 's, liquidated my company and put the home in foreclosure numerous times. All without my knowledge. I discovered this after IRS presented us with {$87000.00} tax bill. I have requested innocent spouse relief from IRS and U.S. Tax Court and will present evidence XXXX XXXX in U.S. Tax court in XXXX XXXX. Same issue with dish network my XXXX account is in XXXX again I can provide evidence of this. She used my name with her SS # for this account. When she removed XXXX my account was with XXXX and again I have never agreed or sign anything to do with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 I refinanced my home through Cash Call Mortgage Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by Impac Mortgage Loan Servicing Division. The first payment was due XXXX/XXXX/15 and Impac serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even Impac Mortgage account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to XXXX XXXX XXXX ( XXXX ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company XXXX, the {$83000.00} has been suspiciously attached to my account again. On top of all this, XXXX now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at Cash Call or Impac, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from Impac Mortgage to show the suspicious addition and deletion of the {$83000.00}, Thank You.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: Fitzgerald Goldman & Associates, Inc.
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
I 'm an attorney. I represent XXXX XXXX. She has received false threats of lawsuits and garnishments from a company called Fitzgerald, Goldman & Associates. After witnessing FGA make these threats to my client during the course of a telephone conversation, I interjected and asked for their address and the account number upon which they claim to have filed the lawsuit. FGA repeatedly refused to provide their address or the account number for the alleged debt. 

I sent a notice of representation, which they ignore. They have no license to collect debts in Florida, and their behavior violates the FDCPA and numerous other laws. It is unknown whether the account ( which is unidentified ) is valid or not. 

I have tracked their corporate address to be Fitzgerald, Goldman and Associates at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX and their registered agent to be XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, MD XXXX. The phone number for FGA is XXXX XXXX XXXX and XXXX. They have blocked my office number ( meaning the call does n't even ring when I call ) and I can only reach them by changing the phone from which I call. 

XXXX XXXX XXXX ( name obtained via their phone mail system ) flatly refused to discuss the alleged lawsuit with me even after I sent a letter giving notice of my representation. This firm is engaged in a criminal operation to scam consumers into making payments to them. 

My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation