BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They Failed to validate this debt. Legally or properly. 

I have been a victim of HIPPA VIOLATION by the Bureau of Medical Economics and XXXX XXXX XXXX Specialists. 

I demand it be removed from my credit reports immediately! 
Or I will be suing them for {$10000.00} or more. 

XX/XX/2021 I requested validation of the debt to them. 
They did not VALIDATE THIS DEBT. respond back to me XX/XX/2021. 
Without proper validation. 

I contacted Bureau of Medical Economics via " certified / USPS mail as well as XXXX XXXX XXXX They Failed to Validate the Debt. All that was sent was a fake bill with my name on it with a company I never did business with or signed or authorized anything. 

I want all debts they are claiming are mine removed from my credit reports immediately. 
They are in violation. I have never done business or authorized anything with any of these companies. 

They are in violation. 
I obtained an attorney and they claimed I need to file this complaint with you here as my next step. 
Before I sue them for violating my HIPPA Rights. If not removed immediately from my reports. 

Thankyou, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: MD
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:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please investigate the following accounts and remove them I disputed an account that was listed on my credit report. The account in question is a loan that I do not have. I have never had a loan with the XXXX of Virginia, and I have never been in arrears on any loan. I provided Equifax with documentation to support my claim, but my dispute has not been resolved. 

I am concerned that Equifax is violating my consumer rights by not properly investigating my dispute. I am also concerned that Equifax is not complying with federal and state laws. 

According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I also have the right to have the information removed from my report if it is found to be inaccurate. 

The FCRA also requires that consumer reporting agencies investigate all disputes promptly and thoroughly. Equifax has not done this. I have been waiting for over 30 days for Equifax to investigate my dispute, and I have not received any updates. 

I am also concerned that Equifax is not complying with Virginia state law. Virginia law requires that consumer reporting agencies notify consumers of any proposed action to report negative information to a credit bureau. I was not notified of the proposed action to report the inaccurate loan to my credit report. 

I am demanding that Equifax immediately remove the inaccurate loan from my credit report. I am also demanding that Equifax investigate my dispute promptly and thoroughly. 

If Equifax does not comply with my demands, I will be forced to take further action, including filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence in reference to a debt in which is not owed to me at my address. I attempted to contact the debt collector two times, in which I was hung up twice by two unprofessional employees. I called a third time, and mentioned I wanted an address to send information about a lawsuit against the company to, in which the woman transferred me to their quality assurance number, which was just a recording. When I called the second time, the man mentioned that he would remove my phone number from their calling list. When I called the first time, the woman must have put my phone number on their records without my explicit permission after telling her that I do not owe the money to them. 

I have never had cellular service with XXXX in my name. Which is the original creditor mentioned in the correspondence. I was requested to send in a fraud packet to XXXX. 

This company is persistent that I pay them, when I do not owe the debt to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Coast 2 Coast Financial Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Coast 2 Coast Lenders are denying me my rights to dispute a alleged debt with their company. On XX/XX/2022, I attempted to dispute the alleged debt that they are attempting to collect. On XX/XX/2022, I received the same dispute returned to my place of abode stating it has been refused. Contents of dispute have been included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: TX
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 discovered that the same accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
While I was informed by XXXX my credit score was XXXX, upon applying to lower an APR by transfering a balance on this one card we have, I was thrown back with the statement of not only a rejection .... but a low score of XXXX!!!! 

In addition, items that should have been removed years ago still remained on my credit report. Moreover, I even found a judgment on there that NEVER should have been for the story was totally different than a non-payment ... and the court system NEVER did a judgment on myself, nor notified me of any.

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 2019-11-22
Company: Experian Information Solutions Inc.
State: NV
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 submitted multiple requests to have inaccurate data removed from my credit report. I feel as if Experian is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by Experian. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and Experian has refused me that right. I made a call to Experian XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. 

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.

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 2023-05-01
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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 information incorrect

Complaint:
The XXXX  Child Support Office is reporting {$27000.00} to my credit report as delinquent ; however, I, nor the custodial parent are residents of the State of XXXX any longer. We both moved to XXXX  and completed our case with OAG Child Support Enforcement, which is also reporting to my credit report for {$22000.00}. As you can imagine, this is negatively affecting my scores to have almost $ XXXX reporting to my credit. 

I began inquiring about the reported XXXX Child Support ' deliquency back in XXXX of this year and was advised to contact them directly. I have made several attempts to contact them every month with the most recent communication being a phone call with XXXX XXXX at approximately XXXX on the morning of XX/XX/XXXX. She stated no one contacted them from XXXX  updating them concerning the new case filing to clear them to remove it. I contacted my case worker here in XXXX  requesting they provide the necessary info to clear this from my report, yet, to date, this issue is still ongoing.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX has been working on dispute since XX/XX/2022. While this account was in dispute I was not allowed to make payments on this account, I was notified on XX/XX/XXXX or XXXX that XXXX the original seller had charged off the account for no payments received. XXXX immediately sent my balance to collections because they had let the dispute sit there for 5 months and with no notice or payment options said I needed to pay a debt collection agency. I said no. I have never made one late payment to affirm. That is not ethical. XXXX reported the balance to the credit agencies and stopped me from making any future purchases from them saying that I had not made payments on time,

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 2023-05-01
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Gentleman, In response to Wells Fargo 's XX/XX/XXXX, response to complaint number XXXX. 

I am attaching further corroboration documentation substantiating that Wells Fargo is Explicitly, Unquestionably and Undeniably the appropriate company at issue. 

Wells Fargo continues to avoid responding to this serious matter. 

Wells Fargo denied that it is the appropriate company to this complaint on XX/XX/XXXX and yet again on XX/XX/XXXX. 

In its most recent response on XX/XX/XXXX Wells Fargo again avoids responding to this complaint stating that it has received correspondence through the CFPB pertaining to the servicing of a mortgage. 

This complaint is pertaining to WELLS FARGO. 

WELLS FARGO initiated foreclosure proceedings against me back on XX/XX/XXXX claiming to be Holder in Due Course and Owner of the Note and Mortgage at issue. 

As evidenced in the attached, The XXXX XXXX found that Wells Fargo failed to prove ownership of the Note and Mortgage at issue. 

XXXXXXXX XXXX  and XXXX XXXX  have both collaborated in this Wrongful Foreclosure action against me as mentioned in my previous complaints by submitting False, Forged, Fraudulent and Fabricated Affidavits of Amounts Owed and a Corrective Assignment of Mortgage. As evidenced in the XXXX XXXX XXXX, the affidavits are invalid. 

I am attaching the Pooling and Servicing Agreement which makes it abundantly clear on page 33 of the Prospectus that the Trustee " MAY NOT '' be able to Enforce the Mortgage Note. 

This is corroboration documentation substantiating the fact that WELLS FARGO has Wrongfully pursued Foreclose against my property. 

I have requested that Wells Fargo include me in the XX/XX/XXXX consent judgement and I am asking the CFPB order WELLS FARGO to comply. 

I have also requested Wells Fargo to Rescind the Instrument and execute a Quiet Title. 

I appreciate your assistance in this matter. 

Kindest Regards, 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 2023-05-17
Company: Wilber and Associates, P.C.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX our daughter got in a fender bender and her husband had no insurance on his car. This resulted in them owing XXXX dollars for the claim. Negotiated with XXXX and agreed to max out my credit card and payed XXXX owed for the claim which they agreed to take as paid in full, telling us that this would settle the claim, this was negotiated on XX/XX/XXXX. We have paperwork to that effect. I asked that the send proof of the claim and the amount as witnesses and daughter said there was no visible damage to her car. In good faith we had thought the matter was resolved and have a receipt to that effect. Now in XXXX people are calling on behalf of XXXX saying we owe another XXXX dollars and that it wasn't them but XXXX insurance that wanted the additional XXXX dollars. The persons calling have been threatening to take our daughters license and using fear tactics to intimidate us into paying more money. This is frightening to me as I have excellent credit in the XXXX 's and I don't want them to ruin it by their deceptive dealings with honest people who made a mistake and are learning from it. I then called XXXX XXXX the claims XXXX with XXXX who has this case and she said that the case has been closed and no money is owed and to refer XXXX to her. Upon hearing this I believe I am being duped and scammed and not dealing with a reputable company and have disputed the charge of XXXX with my credit card company. When we tried to pay the credit card was declined because the company is a scam but I naively believed XXXX that it was legit. I am hopeful that the United States Government will help me not let bully companies like this run over people who can least afford it. XXXX is ruthless and bullying me into paying an additional XXXX dollars that I do not owe. Please help me not let them get away with this. The harrassment and deceit and mean spirited people they have working there are on a power trip. I would have been XXXX of those people who would not have believed that these things happen if not for experiencing it for myself. I said I was going to file a complaint and they said go ahead that the CFPB would not help me. I hope that is not true. I have asked for the recording of the call on XX/XX/XXXX where I was assured that this would resolve the case over and over again, that has not been given or any proof of the damages to the other car, which XXXX said they would send. They are bullying people who XXXX least afford it who have made a mistake and XXXX thinks that gives them the right to trat people disrespectfully. It doesn't, and XXXX doesn't believe that you will help me. Please don't let that be true. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 is my last Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any inaccurate information which were fraudulent 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 relating to any transaction by the consumer. 
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 2023-02-18
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2023 I reviewed a copy of my credit report and noticed an account from this company that i do not recognize. They are alleging i owe them money but yet have not provided me with any type of proof that this debt actually belongs to me, there is absolutely no contract between me and this company. In addition they are reporting to my consumer report without my authorization, and this erroneous account is affecting my credit worthiness and ability to obtain a home loan. I am devastated because I need to be able to purchase a home so that my ill elderly mother can move in with me, I am the only person she has left. This company has not proven this debt belongs to me which is a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They are defaming my character and violating 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. You are harming my reputation with the alleged debt. Also 15 U.S. Code 1692j - Furnishing certain deceptive forms. Because of these violation i reserve the right to pursue legal action as outlined in 15 U.S. Code 1692k - Civil liability. I do not recognize this account and believe this to be an error, this company needs to remove from my credit report or provide me with proper validation as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the XXXX, Aidvantage STILL has multiple accounts furnished on my reports. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Exeter Finance Corp.
State: GA
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:
Please cease and desist all inaccurate reported information on closed account with external  finance there are several payments that are reported as bring late with no provided proof of said late payments which are violations of fcra section 609 account had been paid in full and there were no Payments ever made late this violates 15 usc 1681c2

Company response to consumer: Closed with explanation