vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I called the company regarding to debt and inform them This was not me the manager didnt want to cancel the debt so now Im force to have this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I woke up XX/XX/2020 to find I have an email saying my credit went down due to the fact that I had a collection added to my credit report. I opened up XXXX  and it said IC systems but nothing stating whom its for. I called IC systems and spoke to a gentlemen who collects debt. I asked the gentleman whats this about and he couldnt find me anywhere in his system. Then he finds me and says its for XXXX. I said its not me. I went through this before and it was taken off by XXXX. So I asked how long this was in his office and he says for 50 days. I said well how come I didnt get a phone call or letter in the mail stating whats going on so I couldve at least taken care of the Situation some how before it got on my credit report. He stated that they have The wrong info for me. I said thats not my fault. He agreed. Im writing you guys because the collection agency never contacted me to inform me of the debt before placing it on my credit report and I requested validation of the debt and that they need to remove it from my credit until they provide me with the validation.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I HAVE ASK THE EQUIFAX TO LOOK INTO THIS BECAUSE THIS IS NOT MY ACCOUNT YET THEY HAVE NOT AND THIS ACCOUNT KEEPS COMING UP WHEN IT BELONGS TO SOME ELSE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
When this false debt first appeared on my credit report in XX/XX/2020 I wrote the Company " Southwest Credit Systems '' explaining this was NOT my debt and they have incorrect information. They never responded to my letter, however they continue to illegally and falsely report this debt to my credit report through XXXX  and XXXX. I do not owe Southwest Credit Systems for {$3600.00}. As a result of this false claim it is reflecting horrible on my credit character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 

[ Provide details about what happened. Include the dates and amounts of fraudulent transactions. ] I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 



Identity Theft Report Included

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with [ name of business where account was opened ]. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 

[ Provide details about what happened. Include the dates and amounts of fraudulent transactions. ] I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 



Identity Theft Report Included

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I want to report the quicken loans / rocket mortgage company. I did a pretty approval XX/XX/XXXX and they did a credit check with my approval over the phone. Its almost 3 weeks I keep on calling and sending email for loan update. The mortgage Officer XXXX said its already in underwriting when I called 2 weeks ago. After a week I called and asked if they need any documents and she said all the paperwork I submitted is good. Since last week calling them no response. Yesterday XX/XX/XXXX I emailed their manager and file a complaint coz its been almost 3 weeks no update. The loan Officer XXXX called me and said I need to submit w2s and some paperworks again and when I submitted the docs requested I received a credit check alert. Its form the home mortgage company quickenloans. I called the loan Officer and asked why did you do a credit check again and now without my approval? XXXX the loan officer apologize and didnt explain. Today I received a call from the director of quicken loans and he apologized about their loan Officer XXXX and asked me they cant approve my loan because I dispute their credit check. I explained to the director that your agent didnt ask permission and she already checked my credit score 3 weeks ago and she already computed my monthly payment and said Im approved and it will be sent to underwriting. Director said my credit score fornVA loan is not good my score is XXXX. I told him I dont need an approval now I just dont want them to do a credit check and what they did yesterday checking my credit score without my knowledge and permission is bad! Thats my concern thats what I told him. He apologized. I told him I will report and dispute it to credit bureaus. 

This company should be asking permission coz I didnt authorize and allow to check my credit score because they already did 2 -3 weeks ago. They just apologize for their employees mistakes and didnt take any actions thats why I said I will find I different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IThis debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS WITH TRANSUNION 3 TIMES TO HEAR NOTHING BUT YET.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to XXXX  Fed XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
According to XXXX XXXX XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to Experian XXXX  XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX, I opened an account with Care Credit. I used my card as instructed, and each promotion was independent and each had it's own expiration period. With Care Credit we calculated what my automatic monthly payment needed to be- $ XXXX to pay off each promotion within time frame. I called each month to clarify and confirm, make sure all was good, because the statements are very misleading, not listing each independent promotion, where and how my money is being allocated, so it's a successful payment. Each time I spoke with a customer service rep, they assured me that my payment was going to the oldest promotion that was expiring the nearest. Each month this was clarified. When I called this month XX/XX/XXXX before billing due date, this rep, said I had old promotions never paid, and have been accruing interest for almost a year. I expressed this isn't possible I pay {$400.00} every month and sometimes {$800.00} to pay off the promotions within time frame as needed, and each month a rep confirmed it was being allocated to the nearest ending promotion. They were blank, never had an answer, never said sorry, nothing. They just said this is what it says. I was furious, told them I felt robbed, cheated, mislead, and this is intentional stealing. Clearly I have the money and can pay this off. I used the card to cushion instead of paying one big lump amount at one time. But they withheld, misguided, and lied, abusing my money being given and paid to them. I said I want nothing more with their business and just decided to pay $ XXXX then and there to get me out of their organization. I can not believe this exists, and they clearly intentionally did this. They said they didn't have documentation on their end that I had called. Which is a blatant lie. I said by me personally calling each month I've trusted you as a business in good faith to receive and allocate my money appropriately for success. They didn't respond verbally, just that I had to pay all the interest now to stop this. So I did to be rid of them. 

On my online account it states my promotions with expiration dates. So when I would call to pay and told them to confirm the nearest promotion, they did, and the money was said to go to that. They never once said it wouldn't, they never said because it wasn't I was accumulating expired promotions, they never told me when I asked about these deferred interest rates- they said as long as I keep paying in full I won't be charged and this just states what would be charged if I don't pay in full at end of promotion period.

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 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There were 3 check deposit into my sons minor acct ( 1 of {$200.00}, 1 of {$160.00}, and 1 of {$40.00} ) which equals to an amount of XXXX.. the check have blank names on the area where it says pay to the order of.. transaction was done in XXXX and we live in XXXX.. right after the deposit was made there was a XXXX transfer of {$400.00} which is the same amount if the checks they had deposited ... the bank says they have investigated and that everything points it was an authorized user.. but this is obviously fraud and it was their mistake

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 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
This debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
This debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Resulting from the identity theft that should be blocked, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely,

Company response to consumer: Closed with explanation