BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SW Credit Systems is stating that I owe a debt from XXXX XXXX XXXX of which I do not have any knowledge of. XXXX  recently decided to remove this negative tradeline from my report while XXXX and XXXX is still reporting this unverified debt. I have disputed this debt with the credit reporting agencies on numerous occasions but have only received the generic " Meet FCRA requirements. '' statement which is n't sufficient. The credit reporting agencies are reporting a debt that is not mine and ca n't be verified. Federal Law requires that the credit reporting agencies provide mechanisms to ensure that the disputed debt actually belongs to me and I am asking for any original documentation with my signature giving consent of service and the mechanisms that XXXX and XXXX have used to determine that this debt actually belongs to me.
This false and inaccurate debt has been moved around through different collection agencies over the past year and half. This debt was first reported by ( XXXX ) XXXX XXXX XXXX and was removed from my report in XX/XX/XXXX by all of the 3 major credit reporting agencies ( Please see the attached document that XXXX sent me showing that they 've ceased all collection activities regarding this debt ). SW Credit Systems is now the collection agency that 's reporting this debt to the bureaus and without verifying that this debt is accurate, XXXX  and XXXX is once again, refusing to do their due diligence and has decided to report this unverified debt to my tradeline although I have once again disputed this debt on numerous occasions over the past few months. Also, the address listed for this debt during service is not and has never been mine. Please see the attached documents that will show my W-2 documents from XX/XX/XXXX and XX/XX/XXXX that lists my proper address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a few things corrected on my Credit score. Correct Name XXXX XXXX XXXX XXXX not XXXX XXXX and never lived at this address XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Also remove all not authorized promotional inqueries that are affecting my score from XXXX XXXX, XXXX, XXXX, XXXX etc. 
Also there are a few closed accounts that are more than XXXX years that still show on my report, XXXX, XXXX XXXX and others. 
XXXX CC still shows on my report which should be removed since court determined I was not responsible for the card. 
Another concern is that my score showed a decrease in number. Im concerned why has XXXX lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit Reporting Agency : Equifax - Legal Item. This issue is Primarily My Name Being the Same as the Defendants Name on a legal case, Which is the most that Equifax is tieing me with. Had Disputed this case a year ago, Equifax Verified they had no actual Information Connecting Me with the incident. No SS # No Drivers License # Infact the Collections Debt account is not on my Report Either, Just the Judgement Case has been Put on due to My Name being the same. Equifax has refused to remove the Public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: West Central Texas Collection Bureau
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a notification regarding a debt collection on my credit that I owe {$30.00} from XXXX XXXX of XXXX, I never went to the facility, I never get any service at all! I called XXXX to dispute the collection and the report results that the account was under a DIFFERENT NAME with MY SOCIAL SECURITY NUMBER and MY DATE OF BIRTH. I called XXXX XXXX of XXXX and they confiremed that I wasn't in their system at all because I never went there in the first place. I don't know how they got my SSN and DOB under a DIFFERENT NAME. It is concerning!

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 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received student loans in XXXX and XXXX. {$8000.00} that started a Dept. Of education and moved around do many times I ca n't remember. Each time more and more money, penalties, interest added. 
I have been at Navicat since XXXX my loan ballooned to {$20000.00}. Today it 's {$23000.00}. 
I have been unemployed off and on in XXXX to XXXX, XXXX to XXXX, XXXX to XXXX. Unemployed all of XXXX. 
Laid off XXXX XXXX. Just started back in XXXX XXXX. 
Why has n't my loan moved and it grows XXXX a year. That 's more than interest. 
I have paid the {$8000.00} and then some. This madness needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: CORELOGIC INC
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I HAVE SENT XXXX REQUEST FOR A FULL FILE DISCLOSURE TO CORE-LOGIC/CREDCO AND EACH OF ITS SUBSIDIARIES AND PARENT COMPANIES, REQUESTING A FREEZE DUE TO THE IDENTITY THEFT ALONG WITH A PLETHORA OF LAW ENFORCEMENT REPORTS. TO ABSOLUTELY NO AVAIL. THIS IS ABSURD AND NEEDS TO BE CORRECTED IMMEDIATELY AS ITS A VIOLATION OF THE FCRA AND FACTA AMENDMENTS GOVERNING RED FLAGS AND ID THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2015-06-15
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the evening of XX/XX/XXXX, I received multiple XXXX # calls that I declined. I was left a voicemail stating that it was Chase Business Fraud dept. while listening to voicemail, the number called again so I switched over. The person said he was a Chase representative, and did I authorize a XXXX transfer to a XXXX XXXX, I stated that I did not. He then stated that we need to do a XXXX reversal. He said he needed to verify my identity, at which time, I told him that I needed to verify his identity first since he called me. He said he understoon, and that I could look at the back of my Chase Business Debit card, and the number on the back would match the number he was calling from. I verified that was accurate. He then gave me my husband 's last 4 numbers of his telephone but he wanted to verify his last 4 of SS #. I gave him the wrong number, he stated that did not match what he had... I told him I was still nervous so I gave him wrong one on purpose. He then was able to give me my husband 's information. He then said he needed me to login to my mobile banking, then go to XXXX. He told me to put MY information in there... telephone number, name, and that it was a reversal. I could only do it in {$5000.00} increments daily but the total of the withdrawal was {$25000.00}. The person proceeded to call me the next day to do the next reversal... I informed him that my Chase acct was locked. He then said he needed to get with his back office to unlock that, and put me on hold. When he came back to the phone, he asked me to try it, and it was unlocked. I realized it was fraud on Sun XX/XX/XXXX. I was at the local Chase branch, as soon as they opened on XX/XX/XXXX. The local branch called their claims/fraud dept. to start a claim. The local branch representative felt confident that I would get my money back but when the fraud dept came back on the phone, they told her that they will not cover a scam and didn't consider it fraud. I have since learned of this happening on numerous occasions, and one particular case Chase did end up refunding the money to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Shellpoint Partners, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I send a certified mail letter to New Rez LLC d/b/a Shellpoint Mortgage Servicing and request pursuant to Section 313 ( f ) of the Truth in Lending Act, 15 U.S.C. 1641 ( f )  requested copy of the promissory note signed by XXXX XXXX for their demand for payments under and a Qualify Written Request. Shellpoint Mortgage Servicing send me a letter dated XX/XX/2020, and Notice of Default and Intent to Accelerate dated XX/XX/2020. 

Shellpoint Mortgage Servicing did not send me pursuant to Section 313 ( f ) of the Truth in Lending Act, 15 U.S.C. 1641 ( f ) requested copy of the promissory note signed by XXXX XXXX for their demand for payments under and a Qualify Written Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00} XXXXBalance {$0.00} XXXX XXXX-Balance {$10000.00}

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 2020-06-10
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a request to verify the debt the company claim I owe. 

Few days ago I received account statements via mail. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. 

I ask to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. 

The failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a US Bank XXXX XXXX credit card. The card has an annual fee that is not waived. The card at the time of collection of annual fee had advertised a feature called XXXX night free, so if one would redeem points for a night at a hotel, the subsequent night was free. The annual fee was justified with this perk. 

However in XXXX they abruptly removed this feature. They also refused uniform compensation for the said removal. Multiple people have claimed a refund of annual fee for the year and XXXX total points as compensation being given by US bank to them. Ofcourse I can not validate the veracity of internet statements, but I have no reason to believe these people are lying. However when I complained at first they just said sorry and offered no compensation. Upon prodding for compensation they offered a mere XXXX points. 

I understand that product features are subject to change, however when you remove XXXX of your most advertised and valuable perks from a credit card with an annual fee, the compensation to the customers needs to be relevant and in line with changes in product. I am also not happy to see no uniformity in giving customers compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: ALLY FINANCIAL INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My monthly installments were paid before being turned over to collections. I also paid an extra future installment payment and ally financial agrees with me that my payments are up to date plus one month ahead of the billing statement.

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 2022-05-14
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: Account status incorrect

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$330.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$800.00} TransUnion : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$530.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$300000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$290000.00}

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