BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: Waypoint Resource Group, LLC
State: WA
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:
In XX/XX/2018, I submitted a dispute to Waypoint Resource Group regarding a derogatory entry they placed on my credit reports in XX/XX/2018, without providing me any dunning letter or notification that they were attempting to collect a debt. This entry is erroneous, inaccurate and should not be reflected on any of my reports. 

I have never did business with this company, nor have I signed any contracts with them. I am appalled to say the least that they would report that I had a term of 1 month with them being that I have never heard of them. Also, among the 2 bureaus they are reporting 2 different open dates. The Fair Credit Reporting Act states that any entry reflected on my credit reports should be 100 % accurate, verifiable and timely. This account is not. 

Certified and return receipt tracking ( see attached ), reflects that Waypoint received my letter of dispute ( see attached ) on XXXX. To date ( XXXX ), I have not received any correspondence from this company, yet as of XXXX ( when I retrieved a new credit report ), they are still reporting this erroneous entry. 

See attached letter dated XX/XX/2018, whereby, I explicitly stated to this company that I was disputing the validity of the alleged debt and I also sought validation. To no avail, as the company has not responded. 

Being that Waypoint Resource Group has blatantly refused to respond and provide documentation to validate the debt they are alleging is owed is grounds for IMMEDIATE DELETION OF THIS ACCOUNT ENTRY FROM MY CREDIT REPORTS! 

THIS COMPANY HAS HAD OVER 45 DAYS TO RESPOND AND HAS NOT! DELETE THIS ENTRY IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to purchase vehicle, credit report showed freeze/fraud alert. Did not place this on my personal file. Contacted Equifax the first time in XXXX. Was told to send copies of State Issued ID, utility bill and last 4 of social security number. Unable to verify security questions as well because information is obviously incorrect. Since that time we have faxed requested information to Equifax Dispute Department 7 times, most recentlyXX/XX/2019. It wasn't until fax number 4 we were told we must send an actual copy of Social Security Card. The previous four faxes can not be located by Equifax, yet they requested a copy of SSN be sent. It has been faxed to them 3 times. I have spoken to CSRs, Resolution Managers and to NO avail. I have names and badge # s of all spoken to. Calls lasting from 1 hour to 2 hours each time Equifax is contacted with NO resolution and my information faxed still not being found! Spoke with Manager on XX/XX/19 who assured the security of my SS card being received by their company and would be processed in 2-3 business days. She requested we call back on XX/XX/19 for update and status. As of XX/XX/19 they STILL have NOT received my faxed SS card! It's floating around somewhere! My ID and utility bill have been uploaded along with the last 4 of social, but NO CARD found. This is unprofessional at best, unexcusable and irritating! It is also quite difficult to speak with their agents who all have very thick foreign accents and read their information off of laminated copies back to you! I NEED HELP! Any information of who I spoke with and when, faxed info, etc. can be uploaded and sent if necessary!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent the credit bureaus the proper paperwork they need to remove this account from my credit XXXX XXXX XXXX : XXXX its been going on for 3 months now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: FL
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:
My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court proceedings ), to ATTAIN A " JOINT '' 40 YEAR REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork.

I have contacted the company ( XXXX- in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted XXXX   to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was 4 years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a 40 year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?

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 2022-12-01
Company: EQUIFAX, INC.
State: KS
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:
I asked the credit report to remove accounts they were deleted 3 months ago but then just reappeared again with no clear verification method. I have no affliation to the accounts 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 U.S.C 1681. 

Account name : XXXX XXXX XXXX, Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without 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, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. 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.

I asked the credit report to remove accounts they were deleted 3 months ago but then just reappeared again with no clear verification method. I have no affliation to the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE TRIED NUMEROUS TIMES TO UPLOAD VIA WEB AND/OR FAX MY FTC REPORT LETTER TO THE LISTED FAX # AS I HAVE DONE BEFORE AND EACH TIME THAT I HAVE TRIED I AM RECEIVING AN ERROR FROM TRANSUNION END, EACH DAY THAT THIS INCORRECT INFORMATION STAYS ON MY CREDIT FILE IS HURTING ME. 
** MYTRANSUNION FILE # 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 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court  proceedings ), to ATTAIN A " JOINT '' 40 YEAR REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork. 

I have contacted the company ( XXXX in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted Transunion to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was 4 years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a 40 year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report with your bureau. I have identified specific issues that require your immediate attention : a fraudulent account that persists despite being successfully removed by another credit bureau. 
Persistent Fraudulent Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly ask that you investigate these discrepancies promptly and take the necessary steps to correct the inaccuracies on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and I trust that your bureau will uphold these standards.

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 2023-07-27
Company: FORD MOTOR CREDIT CO.
State: AR
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:
I need this investigation to be looked at further, and deleted from my account as the information is inaccurate and falls.

It is displaying late payments on my account that were not in fact late one of them. I had a freeze on my account and was not obligated to make a payment during that time in which case they still reported late.

The most recent one was due to me, selling my car to a dealership. I was promised, and also signed a contract that Id be no longer responsible for payments or for this car and instead, they reported a late payment when the car was in fact no longer my responsibility, nor in my control. 


Ive been told by two different Ford managers that it is actually illegal what XXXX did in buying out my lease before the payments had run out, I was not aware of this, and during that time is when another late payment was posted I am asking for this negative report to be immediately deleted from my file as it go against my rights and regulations in credit reporting by being falsely recorded information. 

I have tried many times to call to resolve this. The manager at XXXX consistently for the last year has said he would and it never has fallen off my report and Ive also called FORD MOTOR CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After recently opening a checking and savings with Bank of America, I deposited a questionable cashier 's check via mobile depositing within the Bank of America Online Banking App. Was instructed to retain original check in hand should I require to reference it or need it for whatever reason in the near future in order to verify funds, if needed. The cashier 's check was deemed a counterfeit cashier 's check and the check amount placed on a hold inn order to verify lines of accounting and legitimacy of such transaction. Bank of America, without any hesitation nor any notification method in an effort to alert me with the changes or circumstances within my personal accounts with them- which are now closed and have to await a few weeks for a corporate postal check to be mailed.

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 monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-07-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been contacting the company for a signed affidavit for months now that is required to file a police report and no one seems to be helping 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 non-monetary relief
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a product in XX/XX/2021 never received it, have been injured and unable to work or make the full payments. Have had the company I made purchase from refund the purchase however Wells Fargo has refused to refused the past 18 months of interest or readjust the minimum payments and balance. They have even gone as far as to label me a risk and freeze the card and try to add on tons of late fees to their behalf. Wouldnt let me do a promissory note for payment as they claimed I wasnt working but Im still employed just not currently working. This banking institution needs to be disbanded and removed, nothing but deceitful business practices and lies. Gave me XXXX cents refund for 18 months x XXXX a month interest plus the crazy late fees and have jacked up my minimum payment from XXXX a month to XXXX a month. 

They are completely aware of my situation and told me to borrow the money from my family all while refusing to work with 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 monetary relief
Consumer complaint received 2023-07-28
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following information is not true never been there XXXX had a/an XXXX XXXX XXXX XXXX account with account number XXXX, now owed to XXXX XXXX XXXX XXXX 

As of XX/XX/2020, you owed : {$540.00} Between XX/XX/2020 and XXXX : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, 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:
I have asked the Credit Bureau to do verification of everything on my Credit report from a XXXX XXXX XXXX XXXX XXXX Account # XXXX. they have stated that everything was accurate but I have done a thorough research myself and have found improper inaccuracies on the Credit report. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Southwest Recovery Services, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I still haven't received any results.

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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XXXX-19 I applied for a car loan at XXXX XXXX XXXX XXXXXXXX. I was prompted with a congratulations you are approved. I went in on my next day off with one of the cars I was interested in from the online portal. Once I arrived a sales man greeted me asking have I been there before. I responded no I was approved online and this is the car I was interested in. I test drove the car and fell in love with it. After he started asking me for my validation of income reassuring me that I was approved. I gave him all the info he needed. And now 10 days later I have 11Hard inquiries. I never approved that. I would never do that to myself. I was planning on buying a house in XXXX. This disgraceful situation has made my credit score go from a XXXX to a XXXX. This by law should be illegal. Sometime highly recommend me to respond to you. Whomever gets this please fight for me and all the other victims of this type of sales tactic. Thank you again for your time and consideration ...

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 2022-12-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Mortgage with JP Morgan Chase Bank NA for my property at XXXX XXXX XXXX, XXXX, NJ XXXX. 
Account No XXXX. 
My insurance expired on XXXX i have email/ mailed/ faxed them my current insurance invoice numerous times. They never paid that invoice and have taken a very higher amount insurance on my property, which will raise my monthly payment very high. 

I called there number it all machine no live person to explain the situation. 

I need help to solve this problem i can not afford higher payment. 

XXXX XXXX

Company response to consumer: Closed with explanation