BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Direct Recovery services constantly calls, ROBO calls cell, work, for anyone to receive message of debt I no longer owe from XXXX XXXX credit cards. Letter attached from previous CFPB complaint. 
Calls archived from : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 from numbers XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spoke with XXXX XXXX and XXXX on XXXX XXXX. Emailed letter same date directrecoveryservices.com and XXXX directrecovery.org

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: M&T BANK CORPORATION
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-08-27
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX there were three fraud charges made on my business debit card. I reached out to my Wells Fargo and they denied my claim immediately. I dont think they spent time reviewing my claim because I wasnt there and had not used the debit card. The amounts were XXXX, XXXX, XXXX for a total of XXXX. I was also charged overdraft fees {$35.00} ( two overdraft fees total ). I live about 35-40 miles from the area and have never been to these places before. I have attached the information that I will be sending to Wells Fargo to this claim. I had been in XXXX Michigan, where I live, for days leading up to and after the fraud charges. I have receipts and transactions showing I was in my area leading up to and on the days of the transactions. I have a copy of my registration to the vehicle that I drive. Thank you for your 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 monetary relief
Consumer complaint received 2019-03-07
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCC Business Servicef is attempting to collect a debt that does not belong to me. They have reported this to my credit profile in which has negatively affected my credit score in a tremendous way. Please remove this. This isn't mines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XX/XX/2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX/XXXX  XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX Remarks : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Specialized Loan Servicing Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an esxrow analysis that included a sewer bill that was paid already. This resulted in my monthly payment increasing by approx XXXX more a month starting in XXXX When i called in to addess the issue in end of XXXX early XXXX they gave me instructions in how to remedy the issue. Pursuant to their request i sent a copy of the bill and receipt from XXXX XXXX County aknowledging paynent had been made to 4 different contact points ( 2 fax and 2 emails ). In XXXX i followed up to see if it had been addressed and their response was no not yet and that they would send an inquiry to the tax team. On XX/XX/XXXX i called in again and was advised they refused to aknowledge the receipts and even though they have not paid the sewer bill invoice yet that i needed to file a dispute or just pay the new mortgage payment. At that point i advised that until they acknowledge my prior efforts to remedy the issue i would not be making payment i called back today and their escalation team took the call and advised they would remove the sewer bill and re run the escrow analysis which would take up to 10 days and result in the payment being late by 4 days at a minimum. 

The treatment i received up the last contact was that of a common criminal when i never missed a mortgage payment. And after coutless hours ( at least 6 ) spent trying to be a responsible borrower i have yet to get this matter addressed. I have begged as politely as possible for them to please assist me when months later my efforts have fallen on deaf ears. I have mortgage default experience from a management level and understand the process. To think i overlooked anything is preposterous. 

I beg you for assistance as it all i have left

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IVE BEEN VICTIM OF IDENTITY 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 2018-09-21
Company: SYNCHRONY FINANCIAL
State: WA
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 contacted this company in regards to accounts that they have sold to third party collection agency in an effort to get the accounts validated. However, the company have failed to provide any information that shows my signature. You have ignored my request to provided me with signature of documents that you have in your files that can verify that these are my accounts. Therefore, you have not NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. After reviewing these files I am to believe that your company have allowed multiple of accounts to be open without my authorization. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified with a signed contract bearing I am the debtor for the debts or deleted immediately.

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 2018-09-21
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018 A XXXX contacted me from Diversified Consultants Incorporated. I asked XXXX to hold on a second and allow me to start my recorder. XXXX agreed and then began to reintroduce herself as I had asked of her. I explained to XXXX that I wanted this debt validated and wanted her to send proof of such to the address on file. XXXX continue to try and pressure me to make a payment on an account that I had no proof of me owning. When I proceeded to tell XXXX that I wanted that proof mailed out and nothing more, she said she would just keep calling me back. I do not appreciate being harassed by a company calling me from a private number from whom I have no relations with and who has no permission to call my home. I have not gotten anything in writing alerting me of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
3 months ago i had to get my car repaired because im XXXX and need a running vehicle plus according to the the contract the vehicle has to stay in running condition. I only have a month income so only could get car repaired. I explained this to title max they said corporate was going to have to speak with me. I said that was ok. After car was repaired i took in the invoce. No. They took my next payment then refused the following payment. I called corporate to try to work something out they were rude. And my contact doesn't say they can refuse payment. Now i worry every day i will lose my car and the interest keeps piling up and and i do not have this kind of money now. I live on ssi. I only have my contact i have asked for other paperwork pertaining to my account and they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: OH
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:
CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX  in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: TX
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: GA
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 has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681. 

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 explanation
Consumer complaint received 2021-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, a check I wrote to my subcontractor was stolen and cashed by someone else into their account at XXXX XXXX XXXX XXXX in the amount of {$1000.00}. On XX/XX/2021, I filed a fraud complaint at my bank at Chase. On XX/XX/2021, XXXX reported that XXXX XXXX XXXX XXXX has not responded and if they do not then the case is closed and I don't get my funds. This is FRAUD. Chase should not allow this to happen to my account is not adequately supporting me to get my funds back that they released illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep telling this company the same thing as I did with the individuals that are employed by them. I will start paying the {$150.00} dollars I owe for a XXXX cable bill. I spoke to them about how I will start paying less than 6 months. I explained I will make 3 payments each month to pay it off. Right now Im trying to get these current bills under control that I still owe. They will not make any note of anything but still continue to harass me and its getting me nervous and fidgety. Its not good for my health. I have the bill invoice that came in the mail and I need them to just stop the harassment on my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax drop my score 75 points for no reason after starting a reed investigation for no reason. XXXX  continues to post the XXXX XXXX   account on my report as Equifax has.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Hello, yes I have 2 accounts that are showing 2 late payments on each of the 2 accounts. Both of these late payments on both accounts were from the result of my accounts and my checking accounts being fraudulently hacked into and my accounts and assets being frozen until the security breach was fixed on all my accounts. Which because of this made it to where my payments where processed by them after there security breach was fixed. Not because I failed to pay the payment. All my payments are set up on auto pay, I feel like the security breach that caused them to freeze all activity and not let my automatic payments go through was not my fault therefore I should not have to have my credit damaged because of it. Ive disputed it through XXXX XXXX  and they couldnt help me and I kinda been feeling ran over and helpless. So there is when I reviewed and found out about filing a complaint with you all. I just think its messed up that they let people hack there systems and dont protect my account informations any better than they do but then on top of that try to make me look like I dont pay my bills on time. When if there was any reason for them not pulling my payment from my checking account on time was because of a security breach or fraudulent activity on there part. Ive been building my credit for a good long while now and take pride in working hard and paying my bills on time and its just really frustrating to have some XXXX dollar cash enterprise try to take that away from me because they dont wan na admit there own weak security and processing system. I pray this reaches someone with a drive to help me. Thank you for your time and god bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit reports from XXXX, Equifax and XXXX in XXXX as usual and have not received them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Kehoe Financial Group, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company Keeps calling me and has also called other family members which is harassment.. Company calls at all random times of the day and excessively on weekends

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: OneMain Finance Corporation
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: Account status incorrect

Complaint:
I am beyond flabbergasted by One Main Financial /Spring Leaf Financial. I had a debt with them that went to collections. Once  reported on my credit report I made arrangements to settle the debt for about XXXX. Once I did that I was told it would be updAted with the credit bureau within 30 days. Ive had 10 conversations with one main and now 40 days later they have only updated that I still owe a balance of {$860.00} which is a lie. What is the point of settling a debt when they dont uphold their end of the deal. I spoke with their litigation department and a supervisor many time and still nothing. I was provided a letter stating the balance was {$0.00} two weeks ago and still nothing reported. I had my lender submit a request to the bureau as I need this updated prior to closing on a home loan and still nothing. This is insane at this point. I was just told today it should update XX/XX/XXXX when they do reporting. That will make it 60 + days which is not what was told to me from the beginning. At this point XXXX dont know what to do and this company is giving me the runaround.

Company response to consumer: Closed with non-monetary relief