BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-18
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by XXXX XXXX that there was a change on my credit reports and when I checked there was a negative remark about a collections debt from Diversified Consultants, XXXX, FL for a debt owed to XXXX XXXX. Diversified Consultants has never contacted me in writing allowing me the right to dispute this debt, which was originally disputed back in XX/XX/XXXX when XXXX XXXX was trying to collect the debt for XXXX XXXX. The Diversified Consultants basically notified me of this debt when they placed the negative remark to the credit agencies. Back in XX/XX/XXXX, I submitted a complaint against XXXX XXXX and XXXX XXXX, complaint # XXXX, regarding the same notification practices. At that time, the complaint was resolved by the debt being disputed, the negative remarks deleted from my credit report and it being closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: LEXISNEXIS
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:
I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even lexisnexis and nothing has been resolved. It was taken of off XXXX  XX/XX/XXXXbut its still showing on XXXX and XXXX XXXX. I am trying to have a fresh start and its not right these lexis nexis and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through lexis nexis. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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:
I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even XXXX and nothing has been resolved. It was taken of off XXXX  XX/XX/XXXXbut its still showing on XXXX and trans union. I am trying to have a fresh start and its not right these XXXX XXXX and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through XXXX XXXX. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.

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 2017-08-30
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: Investigation took more than 30 days

Complaint:
I have tried to contact you and this merchant to remove this account from my report which they could not verify that it belongs to me. I sent this request for verification via certified mail without a response. Please remove this account immediately from my report. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$720.00} XXXX/XXXX/XXXX {$720.00} COLLECTION ACCOUNT attached is a copy of the attorney general complaint I have submitted. Remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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: Account status incorrect

Complaint:
Back in  XXXX   2017 , I contacted   XXXX   XXXX   and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,    2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  XXXX   XXXX  continues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I highly dispute the credit reporting on these accounts being reported by Waypoint on behalf of XXXX XXXX. 

This company is reporting a paid collection account on my three credit bureaus and refuses to acknowledge that they never sent the first dunning notice to me. I have sent them several communications since XXXX of 2019, starting by disputes at the three major credit bureaus and following up with a direct letter to Waypoint sent to them on XX/XX/2019 advising them that they are violating my rights under the FDCPA. 

Specifically- I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. This information was innacurate from the beginning. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in  XXXX   2017 , I contacted   XXXX   XXXX   and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,    2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  XXXX   XXXX  continues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?

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 2022-03-31
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
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 had a remodification completed, during a time that my loan was being moved from XXXX XXXX XXXX to Specialized Loans, my credit report shows I had not paid my mortgage XX/XX/XXXX to XX/XX/XXXX, if that was the case I would not have my home. This incorrect reporting is damaging my credit severely. When in the process of the remodification you are asked NOT to make payments. And then you have a trial period of payments before the process can be completed, this should not be a negative on my credit score or followed the process.

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 2018-04-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dept protection fee has been charged to my account for an advertised interest free purchase on Best Buy Credit Card via XXXX and Citibank since 2006. 
Requested the proof of evidence of my signature that I agreed to the terms and services and never received such documents. Total of ~ {$490.00} worth of fee has been charged to my account without my knowledge for the past 12 years.

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 2017-08-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a fraudulent account reporting closed on my XXXX file. It seems to be a credit card from Nordstrom/TD Bank. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with XXXX. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: NY
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 am a natural person, I am a living human being, I have rights under 15 U.S.C 1681 Equifax is governed by 15 U.S.C 1681 and they violated my rights numerous times I demand the accounts listed be removed because According to 15 U.S.C 1681 : I have the right to privacy and did not give equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fell victim to identity theft we have uploaded all the required documents on 3 different occasions since the beginning of XXXX. I have also called each credit bureau and each time Im told to just dispute the charges. These are not my accounts and no one is helping me get them blocked and the companies arent removing either. Each time they respond or I get them on the phone they state the FTC theft reports are not real because of formatting? And the gray box below the signature that is per of the report looks like marker? but yet they are downloaded directly from the FTC website and they tell me they will just dispute it and then leave the information on our reports! They have ignored the 4 business day FCRA block and I have talked to multiple representatives. The email responses state the FTC is not a legitimate law enforcement agency? Please this is ruining my life and we can not obtain a mortgage due to these fraudulent accounts. I have uploaded theft reports, irs theft reports, dmv crime fraud department reports and letters including letters specifically stating what is fraudulent and letters sent to the providers of the incorrectly reported 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 2021-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My mother deceased XX/XX/XXXX. She had a checking account at Wells Fargo for which I was listed as heir on my parent 's will. Upon her passing I contacted Wells Fargo ( WF ) regarding the recurring monthly fees on her account ( about $ XXXX/month ). WF assured me that once I received my order from the court, the accrued service fees would be reversed retroactive to the date of my mother 's passing. At the time of my mother 's passing the account had about {$2200.00}. WF did assure me that the service fees would not be charged to the account during the time the account was frozen and I was reconciling ownership through the courts. When I finally received court authority in XXXX I learned the amount in the account was significantly reduced to about {$1600.00}. At this time WF advised they would not refund the service fees ( about {$650.00} total ), that had accrued since my mother 's passing.

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 2018-04-19
Company: EQUIFAX, INC.
State: NY
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:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On two occasions, with my Chase Sapphire Reserve, I submitted 2 disputes. In one case, I was charged for items that I returned for over {$2000.00} and submitted the XXXX weight information showing I had returned the items and they did not investigate or credit me. They did nothing to protect me although I pay them $ XXXX/yr! 

On the next occasion, I was called about a fraudulent charge that was in person when I was away, I told them it was fraudulent and that I was away and then followed up and they said they never called me although the individual on the phone asked me if I had made the charges and did not ask me anything personal about myself and told me the fraud dept would call. Then I submitted a dispute about it. The fraud dept was only available during limited hours did not provide an email or any other way to get in touch with them. I sent them all the documents by fax and by mail twice. They did not respond. They did not investigate at all. Even though I told them it was physically impossible for me to have made these " in person '' charges and sent the receipts from the hotel where I was at the time!. They just charged me over {$2800.00} and closed the case. I faxed them more info and tried to appeal and they responded the case was open again. And then closed it with no investigation. They did not give me any opportunities. It has been abhorrent and I am a very organized and thorough person, if they are handling these types of fraudulent claims this way, I imagine there is a VERY SERIOUS CLASS ACTION and some serious XXXX XXXX type fraud going on with Chase. It's absolutely unheard of the way it was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 have several inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them. XX/XX/XXXX XXXX capital one XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The company said the inquiries were verified which can not correct as I did not apply at any of the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate, XXXX identical bills both they see being reported differently, See if the retards at equifax can figure it out Equifax and XXXX According to the fair credit reporting act, any data being report XXXX to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation XXXX you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: OH
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
will not provide a itemized list of charges for my review debt is 41/2 yrs old

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 2021-05-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief