BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: Capio Partners, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XX/XX/2017 this debt was resolved thru several phone calls and emails. I was told several times that I was correct, that the debt was not mine, not to pay it, and I escalated it to the highest level to make sure it was resolved. I assumed it was resolved as I have not received a bill then and that was 6 years ago. Then, out of nowhere, I start receiving bills. I called the company and wrote the company to let them know, and they have no proof and no emails and no records that the debt was resolved. Unfortunately, the emails exchanged I do not have access to. I did everything humanly possible to resolve this in XX/XX/2017, and it was resolved. I also have written to the company and called them on the phone to get this dismissed, and they have moved forward sending this to collections. 

The debt was from XXXX XXXX, account XXXX XXXXXXXX for {$1500.00} from XX/XX/2017 they have moved it to AssetCare, master account XXXX XXXXXXXX If it wasnt resolved, why havent I received a bill since XX/XX/2017? I do not owe this money, and it was resolved in XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
A 3rd party company ( Westlake Portfolio Management ) has taken over my account from the company XXXX XXXX XXXX ) between XX/XX/XXXX & XX/XX/XXXX, however Westlake Portfolio refuses to send me proof of the contract I originally had with ( XXXX XXXX ) and also refuses to accept payments lower than the full amount of over XXXX dollars. My account has been charged off and the charged off letter specifically stated that the company would work with me. Every single time I contact the company attempting to make a payment that is less than the full amount, the company representative threatens to repossess my vehicle. My Vehicle was repossessed in XX/XX/XXXX and gave back to me without me making any payment, due to two representatives stating no payment was needed for me to go and get my vehicle. My vehicle has been repossessed once again. It was repossessed ( The End Of XXXX ) after I was told I didnt have to make any payments and I could receive my vehicle back, after repossessing my vehicle once again due to the company proclaiming to have made a mistake. This company ( Westlake Portfolio Financial ) refuses to take my payments and refuses to send me proof of my original loan contract, and also refuses to release my vehicle back 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 2020-02-08
Company: Machol & Johannes, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Machol and Johannes LLC, attorneys at law filed for a garnishment against my Father and Mother, out of XXXX Colorado, and received a court backed seizure of funds, however the funds seized were in accounts belonging to myself, who at the time was XXXX, and my Brother, who was XXXX, both of us are adults, and I do not even reside with my parents in Colorado, However my entire savings account was seized, {$830.00} dollars was taken out without my knowledge, while my brothers account was also emptied, and the company has refused to even discuss this issue with me. 
This occurred on XX/XX/2020, and neither the state of Colorados Attorney General has given any information, and Machol & Johannes still refuse to discuss their blatant theft from uninvolved parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Send me inquiries on this mortgage including but not limited too subpoenas or summons you received from any individuals or law firms between XX/XX/2015 and present In addition send copies of any summons and subpoenas or inquiries you initiated to any law firm or individual Including but not limited to homeowners insurance, flood insurance carriers or the tax collector in XXXX XXXX or any other location

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681. XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.

Affected by Natural or Declared Disaster ( e.g.

COVID-19 )

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 2023-10-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX  months ( XXXX  years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies XXXX. XXXX. EQUIFAX. please have this account removed and updated immediately thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We have filed several complaints against PHH Mortgage and they are the worst lender/mortgage service company to deal with. 

Our latest complaint is the same as a similar complaint where we believe they did not give us proper credit for payments we made between the years XXXX and XXXX. We bring this light again ; because recently we received in the XXXX mail revised Mortgage Interest Statements for the years XXXX and XXXX. Each of these statements shows an increase in mortgage interest compared to the original 1098. This indicates to us that they never gave us credit for two separate payments we made during those contested years which proves to us they never properly credited us payments they claim we were in arrears to them on!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
- There was a XXXX ( utility ) account set up in my name in XXXX for an apartment unit in XXXX XXXX, XXXX. 

- I never moved into this apartment -- see proof attached - XXXX never notifies me that there is a charge on my account, for roughly {$73.00}. I do not know about this account until XXXX when my wife and I have our credit checked to purchase a new home in XXXX, XXXX  - For context, I was a XXXX customer for another address from XXXX - XXXX and XXXX never reached out once to notify me of any outstanding charge. 

- I've reached out to XXXX in order to ask them why they never notified me, even as an existing customer, to notify me of this account with an outstanding balance and I was simply told that " it was not their responsibility '' - I've even asked them to remove the collections account from the credit bureaus if I pay the debt and they refuse to do so, despite this collections account negatively impacting my credit score to the point that my family may not be able to purchase our new home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the following accounts from my file. XXXX XXXX XXXX Balance : {$1900.00}XXXX XXXX XXXX XXXX Balance : {$3200.00}

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 2023-10-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent item from my credit report. This fraudulent entries have significantly impacted my credit score and overall financial well-being, and despite my persistent efforts, they continue to remain on my credit report. 

The following fraudulent item have been adversely affecting my credit report : I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud item in my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: RI
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:
In reference to my Previous complain file XX/XX/2022. Its been More than 30 days since i filed a complaint disputing the following accounts XXXX XXXX XXXX account number : XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX account number : XXXX XXXX account number : XXXX According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

further more i wasn't notified within 5 business days that my dispute was being investigated. According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 2 ) ( A ) states thatThe consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I now Demand for the above accounts to be removed from my credit report as fast as possible

Company response to consumer: Closed with explanation