BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: Diversified Consultants, Inc.
State: LA
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:
Letter sent to Diversified Consultants requesting verification of the account belonging to me. ( Ex. Documentation bearing my signature ) Response from company was an invoice which is NOT verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date Submitted : XX/XX/2020 Company : WAKEFIELD & ASSOCIATES I Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX Amount {$3200.00} I dispute this collection because the amount keep increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX have a debt on my credit reports that is not my debt. I sent this company an affidavit of dispute and validation and I have yet to hear back from them. The debt has been removed before because this company couldn't product anything proving it belongs to me. For some reason it is back on my reports and I wasn't notified by the credit bureaus of this. I recently check my report and see 's that is back on there. I want this off my reports because it is not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery associates file a suit XX/XX/XXXX for which I hired a lawyer but they continue to call several times a day for a whole year now, even after they were notified of my legal representation. They purchase a credit card from XXXX XXXX that supposed to be close. Yet I got no chance to dispute and they added interest for about a year. Attended court I had no prove of payment since it happened in XXXX and I had closed the accounts I paid with, XXXX ruled against me, yet they still calling my cell phone. I have a XXXX child, still they harassed me constantly, during doctors appointments, hospitals visit or clinic treatments or therapy. They wont identify themselves as debt collectors and say it is a personal business matter or the representative just says their name as is a personal call, they even called my daughters cell, who is a minor to ask her where I can be reached, when would I be available, etc. One thing struck me is the day of the trial, pretty much every one there had a case against portfolio recovery associates. It seems to me that they all were Encouraged to settle. Some people didnt even got notice, I got my notice less than XXXX weeks from trial and it is supposed to be at least 45 days. So I did not had much time to prepare since my son had been sick all week with severe XXXX and congestion. 
I had other credit cards before that I had paid and closed. But never had to fight with a company to close my account. Still they left it open so it could accrue interest, because I told them I can access the credit card, I could not use it in the store or pay any balance. I had to call the credit card customer service to make the last payment to closed the card but it never happened. I had tried disputing it but paperwork was never file.it was all done by phone. Currently I am considering filing for bankruptcy ... once I paid for my house I have all this creditors calling me with any debt I ever had as old as twenty years old. Portfolio recovery associates had also called with a debt from a XXXX XXXX credit card that I had over ten years ago, that cant possibly be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I cancelled my application before the credit check and they checked anyway knowing I refused it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: WA
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 have tried twice today to request my free annual credit report from Equifax. I have 3 mortgages, 2 car loans, and 5 credit cards. The questions that are asked on the website to verify my identify are not specific enough and it is impossible to decipher which account they're asking about. A question regarding my mortgage monthly payment could have a correct answer of XXXX, XXXX, or XXXX. A question about my monthly auto loan payment could be {$730.00} or {$330.00}. It's a guessing game where I get permanently locked out of my credit report if I'm wrong. 

I have called twice, they have extensively verified my identity ( since I could clarify which account they were quizzing me about ) but will not grant me online access to my credit report. I do not  recall having this issue with any other credit bureau ( as they specify the opening date of the account they are asking about ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: WA
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:
Equifax sustained a data breach that compromised my personal information and puts me at increased risk for credit fraud, identity theft, and hardship. 

I 've already had to spend {$21.00} on credit freezes and multiple hours of my time in order to fully research the situation and protect myself as best as possible given the tools available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Bread Financial Holdings, Inc.
State: AZ
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:
XX/XX/2023 I received notification that I've have an new hard inquiry from XXXX XXXX INTE. I have no idea for what because the creditors provided no information. So I'm taking this step to try an resolve the issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A so called magazine debt collector called me telling me that I order magazines and that I have 30 months left to pay {$19.00} a month. After doing some research on this company they are a fraudulent company taking money from people. Which i have not subscribed to any sort of magazine. Now this company XXXX XXXX XXXX XXXX is withdrawing funds from my account. When I spoke with them they would not tell me what magazines a I order then they told me to answer a few questions and then they told me I had to pay it. I dont what to do. So far they a have withdrawn from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: CA
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 filed an identity theft report and disputed items with the proper people to have inaccurate information removed that is not mine. These items still aren't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: OUT TECH, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A XXXX XXXX bill which was the sole responsibility of the XXXX XXXX health insurance plan through my current employer XXXX XXXX who has agreed to pay all insurance claims relative to the XXXX XXXX XXXX I experienced in XX/XX/XXXX, is now showing up on my credit report even after I retained legal representation to resolve the matter in anticipation of this happening. XXXX has agreed to pay all XXXX costs associated with my XXXX  after receiving a demand letter from my attorney but has evidently not paid the outstanding debt they agreed to pay via their legal contractual obligation of my health insurance policy with them at the time which is also is still in force. I have been with the company for over 10 years and was insured under their health insurance plan at the time of the XXXX. They illegally terminated my health insurance without any notification to me on XX/XX/XXXXbut yet cashed another premium payment on XX/XX/XXXX and tried to get out from under their legal obligation to pay the rest of my XXXX  costs which is the bill being disputed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed an identity theft report and disputed items with the proper people to have inaccurate information removed that is not mine. These items still aren't removed.

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 2018-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, my account was positive {$20.00} dollars and {$20.00} in my savings. On XX/XX/XXXX, I was charged with 2 separate {$35.00} overdraft fees and 1 {$12.00} overdraft fee. Despite no extra transactions taking place on XX/XX/XXXX, I was wrongfully charged. The company was Bank Of America.

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 2018-04-06
Company: Diversified Consultants, 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: Account information incorrect

Complaint:
There is an address that does not belong to me, I have never been to or lived there. 
Please remove from my credit report XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARIZONA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: IL
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:
Denied loan bc of credit score of XXXX reported by experian. When reviewing experian date score hasn't been that low EVER. Actual score 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 2018-10-09
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i was making payments and i made a double payment to navient. i called to try and stop one of the payments, but they told me to call my bank and put in a dispute for double payment which i did. the next month i tried to make a payment on the website, but i couldnt. i called navient and they told me i needed to submit a form from my bank saying its an active account. which i did twice. i was also informed that i was no longer under the income based repayment plan, and that i could have consolidated my two separate loans into one. I was told i was unable to when navient took over my accounts in 2015. i was told that my other loan wasnt eligible for consolidation and i had to go into forberance numerous times. i was told by the supervisor to submit paperwork to get my loans consolidated and i sent that in over a month ago and navient still hasnt received them and i cant even make my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After the fraud was uncovered at XXXX - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. XXXX just plain makes their web site inoperative. I need an answer now.

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 2020-03-01
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:
I am a 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 2022-10-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Kabbage recently responded to my XXXX complaint about a denial to a lone of credit due to text issues on the the companies behalf. They responded I didn't give all documentation.and I have to wait 60 days to apply..But te same complaint with XXXX they responded notifying of their wrong decision and invited me to reapply .please see attachment and date. They have unfair and unethical practices and they need to XXXX investigated.I attached their contradicting response with CFPB AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account on my credit report named, XXXX, and it has been reporting inaccurate information for the last couple years, balance and status to be more specific. Shows needs attention and that I '' m currently past due. I've disputed several times with Equifax and nothing has been addressed. Latest letter was sent on XXXX and the letter addressed the bureaus obligation to complete within 30 days and to notify me, along with other issues present.This account is hurting my credit and I want to get it removed from my report based on the reporting violations I've read. Please see image below to view these glaring inaccuracies. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After discovering this debt with XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.

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 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dispute a XXXX XXXX item on my TransUnion credit report on XX/XX/2018. And on XX/XX/2018 they said it was verified. ( It's No way if TransUnion did a proper investigation it could be verified that fast ). On XX/XX/2018 I contact TransUnion and spoke to the manager name XXXX XXXX at XXXX about my dispute in my dispute letter ( it's states I haven't received any documents with my signature on it ) so I ask XXXX did they have any contract with my signature on it and she said NO!!! This is a violation of the Fair Credit Act and my Rights. If TransUnion don't have a written contract with my signature HOW ARE THEY VERIFYING THIS ITEM???????? Why is it on my Credit Report???? And ask TransUnion to Verify all None account holding inquiries they are Not mine I contact All of the companies and they Never respond 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 2021-02-24
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hospital sent bill to address that I no longer live at despite having changed my address with them multiple times. When contacting the collections agency they are telling me there is no way to remove the ding from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, XXXX, and Trans Union are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.

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 2022-08-07
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 pulled my consumer report in XXXX of 2022. I noticed that there are several accounts in my report that I did not give consent to be furnished. Pursuant to 15 USC 1681b ( 2 ), " consumer reporting agencies may furnish consumer reports in accordance with the written instructions of the consumer to whom it relates ''. I never instructed any consumer reporting agency to furnish or create a report. This is a direct violation of federal law of my right to privacy. I demand that the following accounts be removed : old addresses and phone numbers, any and all late payments, charge-offs, and collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 & Transunion have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX XXXX {$380.00} not mine

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