BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: Riverwalk Financial Corporation
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 am very upset at XXXX XXXX and Deville Asset Management right now. I began disputing an account on my credit report in XXXX since I knew the account was well over 7 years. Not only did I not get a timely investigation, I had to file a complaint just to get the credit bureaus to do an investigation. I finally received written results from XXXX XXXX dated XX/XX/2020 which was 2 1/2 months after I submitted my initial dispute. 

I was shocked to see the account was verified as accurate by XXXX XXXX. When I received this notice from XXXX XXXX stating as such, I called XXXX XXXX XXXX to figure out what kind of information they had which showed this was indeed an accurate account. I called the number provided in the investigation results by XXXX XXXX for Deville Asset Management. The individual who answered the phone was named XXXX XXXX XXXX and said his company 's name was XXXX. He also stated they are a non credit reporting entity and they assigned an account which had my info to XXXX   XXXX. After I asked for some clarification as to why Deville Asset Management is on my credit report and was just verified days ago with this number XXXX stated again that XXXX  is a non credit reporting entity. He even said it was his understanding Deville Asset Management was out of business. 

After hearing everything from XXXX and being told Velocity purchased the account in question and assigned it to XXXX, I called XXXX XXXX with an advocate. XXXX XXXX wanted us to mail in a power of attorney before they spoke with my advocate but I wasn't going to do that considering how many months it has taken for them to even conclude an investigation which I know was fraudulent. How can XXXX XXXX verify a Deville Asset Management collection when Deville Asset Management doesn't even exist anymore. Even  if XXXX  purchased this account from Deville Asset Management,  XXXX claimed they are a non-reporting entity so again I ask how could XXXX XXXX have verified this account? 

I don't know what XXXX XXXX did or didn't do but I want this account deleted from my credit report once and for all. XXXX XXXX took 2 1/2 months to conclude an investigation and they clearly didn't do a  real investigation since it is impossible they verified something with a company that does not exist. By the way, now that I think about it, I haven't received a response from XXXX either. I did from XXXX. I want to add XXXX to this complaint as well.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-17
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX  and XXXX XXXX  showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Rate Plus, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've received several letters that appear to be from my mortgage lender but are actually advertisements from Rate Plus Inc. ( XXXX ID XXXX ) offering to refinance my mortgage with them. I'm worried that someone who reads less closely could be tricked into refinancing with a less reputable lender when they thought they were refinancing with their chosen lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Their investigation did not fix an error on your report

Complaint:
I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX  and XXXX XXXX  showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The credit bureaus continue to report inaccurate items on my credit report after their investigation. Im attaching supporting documentation with all the information

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 2020-09-17
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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 status incorrect

Complaint:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
The Account XXXX XXXX XXXX XXXX is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately.

Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond and remove promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 
Please send updated copy of my report and score once completed! 

Thank You for your time and attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: Convergent Resources, 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are unauthrozied and need to be removed from my credit report imediatly.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus continue to report inaccurate information after their investigation. Im attaching all supporting documentation with all information so they can stop illegally reporting those inaccurate accounts on my credit reports.

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 2020-09-17
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the debt was a medical debt that occured on XX/XX/XXXX XXXX. the amount was for {$67.00} cents. i did not know that i had to pay this because i thought the V.A would cover the bill that`s the reason i did not pay it. it was on XX/XX/2020 the bill was turn over to collections the collection company names mid-south adjustments com on XX/XX/2020. 
I called mid south co to say i wanted to pay the bill in full would they take the collection off my credit report? the person said no then i asked to speak with a supervisor with authorty to remove collection off my report. I talk with them they said no they could not remove the collection off my credit report. they could only say paid in full but not remove. I then called the office ( XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX that the bill originated from and talked to a supervisor with authorty to removed the collection also told them i would pay them directly at their office if they could removed the collection from my credit report they also said no. i told them i wanted to pay the debt in full {$67.00} cents if they could please remove it from my report. VETERANS ADMIN IS WHO I THOUGHT WAS SUPPOSE TO PAY THE BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
The Account XXXX XXXX XXXX is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately. 

The Account XXXX XXXX XXXX XXXX  is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately. 

Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond and remove promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 
Please send updated copy of my report and score once completed!

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 2019-07-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, here are the facts on the purchase where merchandise was never received. 

1. I placed an order for XXXX XXXX XXXX on XX/XX/2019 from XXXX to be shipped to my billing address in XXXX, TX. The purchase price was XXXX + XXXX for shipping 2. I paid for this purchase through XXXX credit card processing with a link on XXXX to complete the check-out. The XXXX receipt listed the shipping address again in XXXX, TX. 
3. On XX/XX/XXXX, XXXX sent a shipment notification with USPS tracking number XXXX. When I went to USPS site to track it, the package was sent to XXXX, OR and not XXXX, TX. 
4. I never received the scanner. Tracking number shows a shipment sent to XXXX, OR 5. Citibank has resolved the claim in favor of the merchant on 4 separate occasions. 
( 1 ) Item was delivered by USPS to XXXX verified address - NOT TRUE, XXXX lied in response to Citi ; ( 2 ) merchant must agree to refund amount in question - MERCHANT CONTACT GOES UNANSWERED ; ( 3 ) merchandise description not provided - NOT TRUE, already provided receipt showing merchandise description ; ( 4 ) must provide a valid credit slip - no idea what else I could provide since I provided the following documentation with the dispute - receipt from merchant, receipt from XXXX for payment processed, shipment notification from XXXX, usps tracking confirmation showing it was shipped to OR and not TX.

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 2020-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me.

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received email from Bank of America that a savings account has been opened in my name. I called bank of American to report it and found that it was fraudulently created in my name. The bank shut it down for me. I put a credit freeze with all credit companies. However, a month later, I received another email that an account has been created in my name. I am not sure how does Bank of America lets people create account in someones name while there is a credit freeze

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 2019-01-17
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Di-Tech Holdings claims that I foreclosed on a home loan in XX/XX/XXXX. The home was taken back by bank Green Tree Services for {$620000.00} in XX/XX/XXXX, which more than covered the note. I don't know who Di-Tech Holdings are but they have put a negative note on my credit report with the major agencies. They have the date wrong and since they made money there should not be a negative mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experian will not delete a collection account that does not belong to me. I have disputed this item 4 times but nothing has happened I have asked for validation of this item with no cooperation in the matter. The account listed in collection is XXXX. The original creditor no longer owns the property so they refuse to help the collection agency is not responding to the request to validate this debt. I've sent paperwork from the court that proves this item is not mine which has been forwarded to experian for deletion

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 2022-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Frego card service bureau resolution XX/XX/XXXX XXXX I was never late on a payment but the where not happy that I closed out my pre-paid card and they put a bad report till today it has been affecting my credit. i have been dealing with all the credited company 's but they what me to pay for membership and still have not fixed the issues

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 2022-08-25
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Getting notification in the mail that i applied for a credit card at there store. And it wasnt me. My wallet was stolen. I called each company to let them know that it wasnt me. And they put alert on it.

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 2020-09-17
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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