BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor continues to remove and reinsert this debt without sending me a written notification of my right to dispute this debt as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau and XXXX XXXX are double reporting a debt. I have recently looked at my credit and noticed that this debt is reporting twice. This is a violation under the FCRA and this needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : Under Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. A copy of a previous complaint and response is attach.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
You did not mail me my rights to dispute the validity of this debt, instead you reported the debt anyways to thew credit reporting agencies. I have filed this complaint with the CFPB for your willful violation under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: NJ
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:
This company is dodging their duties and telling me that my complaint wasn't sent by me. I am submitting the letters along with a selfie of myself holding my ID to verify my identity.

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 2017-09-16
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed rate, mortgage servicers on XXXX acquired loan, sent notice of change in servicers one week before loan payment was due. During the servicer change, the banks had n't switched over payment information and even gave the new servicering company XXXX XXXX XXXX ) an incorrect address on my account. Now the new servicers will not accept my payments nor will it allow me any information about the account until I visit branch and provide an ID, which I 'm not close to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
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 is missing that should be on the report

Complaint:
The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. 

On XX/XX/XXXX EQ Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2.  XXXX 3. XXXX XXXX XXXX. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX Account drops off. 

XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. 

My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. 

EQ Report XXXX Begins the non-reporting of my XXXX accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an XXXX 

I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. 

I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. 

In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. 

Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. 

Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote on at least two occasions disputing the validity of two accounts. The first disputed account does not belong to me and I have been disputing this account for seven years, according to my credit report which states that an account was opened on XX/XX/XXXX and was closed with a balance of $ XXXX I forwarded a copy of my SS Card and my drivers lic accompanied with a letter disputing my credit report. I was seeking a security clearance with the federal government, due to reckless reporting practices, I was denied employment and I'm contemplating legal action against the credit agency. I would appreciate any and all help to rectify the situation as soon as possible. 

I took the same actions with letters and Identifying information forwarded to the reporting agency, I was told that an investigation had been conducted, I then forwarded a certified letter to the agency asking what methods were used to verify the misinformation, needless to say I didn't receive a response. The amount of the stated debt is {$1800.00} and opened on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Once again, I'm not able to get in contact with equifax about getting my online account unblocked. I can't get a hold of them due to the hold time etc. It seems the other credit bureaus are much easier to work with myself and get a hold of. I sent a complaint # # XXXX a while ago and it was resolved on XX/XX/XXXX. According to them, I needed to send in a package showing two forms of identification including my social security and letter of instruction on what I'm requesting. I provided them with the information they requested back in XXXX. I haven't heard back from them nor have I been able to get into my account online. When I try to reset it online, I'm getting an error message that I have the incorrect information. All I'm requesting from them is to reset/unblock my account online so I can have full access that way I can either remove or add the security freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I'm trying to dispute items that don't belong to me Experian refuses too help unless I sign up for there membership they want me too keep resending the same info such as driver license SSN proof of residence which I have sent now there telling me that ii can't dispute anything unless I sign up for there monthly membership.

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 2019-10-27
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX charged {$510.00} to my account for a table left on the property and did not disclose to me that I had the option to move it. 

I completed my fall lease there through the year of 2018 and when I moved out I was unaware of any items being left there. For all I know they could have sold the table there for profit without my knowledge or consent. 

I have tried to get this resolved through the company, but it was already released to a debt collection agency before I could bring up my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My family has been devastated by XXXX XXXX. Thankfully our home is still liveable, but we have a lot of damage! My hurricane deductable is {$4500.00}! I have XXXX kids, XXXX of them are XXXX XXXX. I do n't have {$4500.00} to shell out! So, I heard mortgage companies were giving a break to people in Florida, so I called my servicer, my loan care ( aka Lakeview ) to see if they also would give me 3 months with no payments and put it to the end of my loan. Unfortunately, my loan servicer must be looking to put people in financial binds and foreclose on their properties, as they made the deal sound great of no payments for 3 months. I am a loan originator so I asked a lot of questions, only to find out that I would owe 4 payments in XX/XX/XXXX and if you ca n't pay it then, a 30, 60 and 90 day late goes on your credit. They found a way around the law to " help people. '' What kind of help is that? It actually seems like they are taking advantage of these poor people who could have lost everything! It 's also ashame that since I have an FHA loan ( a federal government product ), that I get even less help! As the agent at my servicer so greatly explained to me. Bottom line is, this is a disgrace! Not only are people going through enough from the storm, the people who chose to do this are now going to fall into financial hardships from this in XX/XX/XXXX.  I am sure that many foreclosures will occur now in Florida and Texas early next year!

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 2017-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On numerous times, most recently XXXX XXXX, I contacted Portfolio Recovert Associates, XXXX. I asked to settle an account from XXXX. They said that the account had been charged off and forwarded to an attorney for a lawsuit and a settlement could not be reached. I became frustrated that the exact collector that was reporting to the credit bureau was not able to provide me any written agreement who to pay, name and address. They said it was transferred and no longer had the debt. I have also received documents stating that they were suing me. By this time, I became frustrated and hung up with the agent. That was it. Next thing you know, a few days later, I received a letter that my collection account had increased from {$940.00} to {$1200.00}. 
This amount had been the same amount {$940.00} for a few years already. Coincidentally, just because the rep and I did n't resolve my issue, they had the audacity to increase the debt by almost {$300.00} in just a matter of days. They have threatened to place a lien against my home. 
I feel like this is a fraudulent company who is trying to take advantage of me since I do n't know the laws in Texas. 
I would like to request that they remove this collection from my credit and to stop threatening to place a lien on my house. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2018-04-24
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Home Depot has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-08-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2019-08-09
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX XXXX XXXX  to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Apple credit card sponsored by Goldmans bank overcharged me an interest fees. My XXXX balance was {$420.00} My new purchases came to XXXX and I made a payment of {$800.00}. There was no cash advance on my account and yet I was still charge five dollars in {$5.00} worth of interest. When I contacted Apple they advise me it was due to trailing activity from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX Capital One ... 
Its has come to my attention that Capital one Has been party in preitory lending scams. .when I signed up for the journey of XXXX XXXX, I had no ideal ..The amount of money I have paid in fees, That are really masked payments, to get money from, unsuspecting customers.. 
I got cash advance loans and cerdit spending limits from capital one. Totaling less than XXXX XXXX, after all was said in done, after padding the debt with cerdit cards fees on every payment, and maintaince fees, on every account, i have paid my cerdit card debt twice over, if it was not do to Capital one ..I have sat down with my hard copies statements,, ,I requested a summary of the fees to prove my point.. 
But it has went to death ears,,, I will not be put in debt, due to under haned legal action .In fact the agreement is binding, unless broken, you Capital one broke the trust i have for Capital one ... Check out the information contained in my account, cerdit and personal. I have a excellent payment history ..I await a response of any kind. .. 
Other than XXXX XXXX XXXX , Financial Banking authority,, Or whomever, I will be responsible and delivering this message, I will keep my business activities to a minimum, until this matter is handle fair and just ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to Experian & XXXX  about an account that was not valid on my credit report. It's been over 60 days and they have not replied with the results. I'm distressed and need help.

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 2023-04-01
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They debt is for a unpaid XXXX phone bill. This is the result of identity fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint on XX/XX/2018 and it was closed on XX/XX/2018. I don't understand why my case is closed when the matter isn't resolved. Creditors Bureau Associates of Georgia claimed they have verify that I owed the amount, but refused to send me proof. 

I contacted XXXX County XXXX on XX/XX/2018 ( original creditor ) and they're not sure why Creditors Bureau Associates of Georgia is reporting that incorrect negative information to my credit file since they have already received payments for that bill. Also Creditors Bureau Associates of Georgia claimed they contacted me several times, that's another false information. I've called and write them, however I was unsuccessful. If and when they do contact me, I'd like them to leave a message so I can know that they called. Creditors Bureau Associates of Georgia is trying to collect funds for a bill that has already been paid. 

Attached are the following documents : Dispute Letter to Creditors Bureau Associates of Georgia, Response from Creditors Bureau Associates of Georgia, XXXX County XXXX bill, Check Payment to XXXX County XXXX, Notice of Payment to Creditors Bureau Associates of Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX/XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX  XXXX  XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX   XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/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