BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today I received a package of information from this company supposedly in response to a CFPB complaint I filed. I filed the complaint because I never received any communication from them either by phone or by mail so I was therefore not given an opportunity to dispute the validity of the debt. I do not recognize the debt and have never heard of this company. I have addressed this with them before and they refuse to give me an answer. In addition, this company has been reporting this account to credit bureaus as a delinquent monthly installment account even though it's not and I've never had any account or contract with them. They also refuse to acknowledge this. 

Additionally, I have asked several times for certain specific items of paperwork that they have refused to provide. 

The most recent letter said they " verified '' the debt by verifying it with a law firm. I also have no affiliation with this firm. The only option they give me for contact is to speak to an attorney at this firm. This is obviously inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This matter occurred at Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
On XX/XX/2020 I attempted to withdraw {$1200.00} from an ATM within the branch.The money did not dispense.I called over a bank employee and told them what happened.They took me to another ATM and showed me that there was no transaction and assured me I didn't have to worry about the {$1200.00} as it was not dispensed.They directed me to use a different ATM which correctly dispensed the {$1200.00}. When I received my bank statement, it showed 2 x {$1200.00} withdrawals. I called Chase. They've conducted 3 investigations and continue to insist I received my money. I asked them to provide proof and to share camera footage. To me, the camera footage would clearly show that I did not get my money and that I reported the matter to a bank employee. They said they would only share camera footage if I file a police report. I tried to file a police report but the police department said this is not a criminal matter and would not take a report. I am at a loss as to how I can get my {$1200.00} back. The bank will not help me yet they have my money. It is unbelievable to me that a bank could do this to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Westlake Services, LLC
State: NJ
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:
I have requested XXXX XXXX and credit card account to remove these account from my report and they have not.

1. I gave no consent to report on my credit report, which is required.

2. The information is very inaccurate, and varies.

3. They have not produced the financial records to validate the debt as required by law. They only sent a statement of account not the records.

4. I have asked them to send me the XXXX XXXX XXXX and XXXX showing that they issued me a loan and they can not. 
STOP VIOLATIONS OF 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 2018-10-19
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Call log dates XX/XX/18 XX/XX/18 My loan was transferred to a new mortgage company less than a month after the closing Closed on XX/XX/18 Transferred on XX/XX/18 payments started with new mortgage XX/XX/18 my first payment was made to mortgage company I closed with - XXXX payment My credit report has 2 mortgage companies for the same loan amount. After multiple calls on XX/XX/XXXX & XX/XX/18 ( at least 6 call between both mortgage companies ) Shellpoint found the info that my loan was transferred however I now have a late payment for the month of XXXX on my credit report with Shellpoint after I was told there's a 60 day waiver. As of XX/XX/2018 my credit dropped -54 points for late payment that was made on time to the new mortgage company Loanserving. 

I Info was emailed to Shellpoint at XXXX and called in at XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Thank you for this opportunity. On behalf of my client, we have been trying to work with Fay Servicing, Ms XXXX for over a year. And for XXXX XXXX, a HUD-approved housing counselor for months. 
It has been well over many weeks 1st Trying to confirm they have received the letter of authorization. ( I have and for years have worked with many lenders it is strange as well is very new ... that there is a certification process for the letter of authorizations to speak on behalf of the consumer. 
In addition, it is unheard of the lack of support and assistance the agency 's help is will to offer. 
Continually advising Ms. XXXX to I've up on trying. 
Not to mention continually sending Ms. XXXX mail to the incorrect address. 
No to mention our fear is they continue to play these games that the customer eventually gives up or she loses her home. 
I understand I was granted a loan modification once before. The reps keep telling me that I have bee offered more than one I have only signed for 1 loan mod that is when my fiance passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Information belongs to someone else

Complaint:
After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : 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 2022-11-26
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX BANK XXXX is completely inaccurate. 
The date of last activity is different across all three consumer reporting agencies. 
The high credit amount is reporting on XXXX XXXX but not Equifax or XXXX. 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: MN
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 bought a car from XXXX XXXX that was an XXXX  XXXX XXXX. I had the car from a few months. I volunteered and returned the car due to predatory practices. I was abused and felt compelled to invoked my rights as it pertains to the Truth and Lending Laws. The representatives at XXXX XXXX was understanding that the dealer that I bought the car severely overcharge me. The car has been sold, I was also notified that the closed account will be removed from account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX, XXXX sent first letter out to Equifax and XXXX ( regular accounts, medical accounts and bankruptcy ) XX/XX/2021 I sent 30 day comply letter ( certified mail ) it is now 3 weeks past the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: MA
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:
Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First off I have repetitively told them to not call me since not only was at & t trying to collect a debt when I got laid off due to the pandemic and the company I work for shedding off debt this debt collection agency sunrise capital services has been continuously harassing me during the point of the executive order that prevents debt collectors from collecting debts at this time. Also at some point I was told by an agent they would report my debt to negatively affect my score and hurt me really bad to the point I may not be able to recover.

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 2021-07-02
Company: EQUIFAX, INC.
State: IL
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:
If you look back I have filed numerous complaints about the same issue. They just closed the recent one and always respond they will resolve the issue. Then respond they will respond within 60 days. They are constantly violating the FCRA law. I suppose to have a resolution within 30 days. I have been requesting method of verification since XXXX for XXXX XXXX. They even deleted it off my report and then added it back 6 days later and never sent any method or proof of verification. I have attached the prrof they deleted and added it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Collection Information Bureau, 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: Investigation took more than 30 days

Complaint:
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX XXXX  {$290.00} Outdated XXXX  XXXX XXXX  {$1300.00} Outdated DOCTORS BUSINESS BUREAU {$180.00} 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 explanation
Consumer complaint received 2020-07-08
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
XXXX  is reporting an account that was closed and paid in XX/XX/XXXXas though i have a recent missed payment on it, as recent as XX/XX/XXXX. I have tried to get them to fix this but even though the evidence is available and obvious and American Express agrees that this account has been closed And paid since XX/XX/XXXX, XXXX  wont change it. If they do not remove this recent derogatory information is will be forced to file suit under the fair credit reporting act. This is negatively effecting my credit according to XXXX own website and I have been trying to refinance my house. This is costing me thousands of dollars. If XXXX  doesnt take simple, honest corrective action here I will get my attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: GSF MORTGAGE CORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested a construction and mortgage loan. 
They claimed they offered this insisted I provide them with income before I applied. They refused to offer product and service until I submit a loan application. They treated me different unlike somebody with an American name. They ignored my concerns. I attempted to move forward with loan process. I have excellent credit in which I knew and income is enough to get the loan I requested. I have XXXX score and inspite of my credit history started demanding I provide them with award letter from military in which I did and then insisted they insisted on additional proof of military status in spite it was all on the award letter from military. Finally they begin to come up with a reason for not doing business after providing all what they requested. There was no cause since I was reapproved with them two years ago. I requested where was my information since I was still working with staff during this period. I feel that my rights was violated involvong lending practicing. I feel that based on my name and religion they treated me unfair. I feel based on my race they failed to treat me fair and just. I have excellent credit and no reason was given other then they refused to complete the loan process and gather all my information. I requested product and they refused to provide information and demanded I need to file application before they disclose their product and services. Inspite of the information was submitted they continued to refused to disclose products. When I begin to inquire about this they started challenging about bringing this to their attention. I was mistreated hostile thru out the process with no cause since there was no credit challenge no income concerns and I my they have all my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FRAUDELENT ACCOUNTS ON MY CREDIT REPORT THAT DOESNT BELONG 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 2022-03-28
Company: Experian Information Solutions 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 XXXX. 
XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : 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 XXXXXXXX XXXX Account Number : XXXX, has violated my rights XXXX 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: GA
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 checked my credit report several weeks ago and noticed some inquiries that I did not authorize. I submitted a dispute on all that where unauthorized. More then 30 days have passed i have not heard anything about my request. I also submitted a 30 day demand letter with tracking number XXXX XXXX  XXXX XXXX XXXX XXXX and still no response.

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 2020-07-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying again for days to resolve an issue with Equifax. I cant sign into my account and Im told I have no account and then when I try to open a new account Im told I cant because I have an account. This has been going on now for two years. I have tried multiple ways to get around it and it will not work so I am locked out of my credit freeze. When I call and hold online for 2 or 3 or 4 hours, yes its true the staff never ever helps but just tells me to sign on again it will work this time. I have many many hours maybe 35 into trying to fix this issue and its cost me thousands of dollars because I can not refinance. I cant tell you how bad I think Equifax is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a debt collection from WayPoint Resource GR re : XXXX. This account does not have an account number, or address to mail disputes. My name is XXXX XXXX and I am writing regarding an invalid debt. I am requesting an itemize statement with what services and or items billed for this bill, when did these services began/end, I am requesting the original signed contract, a copy of the photo ID, a copy of the social security number required to open this account. I have attempted to call and locate an address to discuss my request. I have not received ANY letters, collections or statements from this company it just appears on my credit report. I am asking for these items because, it is a requirement to provide these items in order to open an account. This is not my debt. If this debt was true and honest this information will be available. However, I have not ever applied, signed or agreed to any services or product. This company is reporting false information and can not produce the documents to ensure that this is a valid and true debt. XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Kriya Capital, LLC
State: KY
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 XXXX Account # XXXX has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief