BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent a validation letter to   XXXX   XXXX   XXXX   and   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (  15 USC 1692g Sec. 809 ( b ) ) I do hereby request  that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency.   XXXX   keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and these  XXXX  accounts need to removed immediately for they was never validated so clearly they are not verified.

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 2016-10-05
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After I have provided documentation and repeated request to furnish me with documentation of verification of signatures on contracts or paperwork, the credit bureau has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed, and that they did not provide me with my contracts with my signature, they are required to promptly delete, under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX and XXXX XXXX XXXX a ) ( 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 2016-09-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently became aware of an entry on my XXXX report. I moved from California in 2010 and advised the post office of my change of address. The agency purports that I owe money for services I do not recall having. I asked for the original creditors name and phone number and was refused. Additionally, the phone numbers they claim to have reached me on are all not mine. When I disputed this with the creditor and asked that they show proof, they re-aged this account on my credit report. They failed to report this as a disputed account FCRA Section 623 as well as re-aging my account. 
I am asking Experian to validate this purported debt and remove from 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 explanation
Consumer complaint received 2017-05-16
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 tried to modify my loan in late    2015  through  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late    2015  has reported  2 lat e payments both   XXXX   days late. I have never paid my mortgage more than  XXXX  days late, I did all trial payments on time, I have contacted  XXXX   XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
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 tried to modify my loan in lat e 2015 thr ough  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late  2015 ha s reporte d 2 late paym ents both  XXXX  days late. I have never paid my mortgage more than   XXXX   days late, I did all trial payments on time, I have contacted  XXXX   XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.

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 2015-06-23
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
LVNV, Resurgent failed to send me a dunning notice before reporting on XXXX, XXXX and XXXX.Which is a violation of the FDCPA and FCRA. Furthermore they have the wrong address and have admitted such. They filed a judgement with my county court and the notice to me was returned because they have the incorrect address. These unlawful practices of LVNV is causing a huge hardship financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
IN XX/XX/XXXX, I CO-SIGNED A PHONE SERVICE FOR MY GRANDSON. XX/XX/XXXX I HAD MY NAME TAKEN OFF AS A CO-SIGNER, AND ANY AND ALL FUTURE CORESPONDENCE WENT TO HIM. I HAVE BEEN HARRASSED AND HAD CONSTANT PHONE CALLS WHICH CAUSED ME TO HAVE MY PHONE NUMBER CHANGED. I HAVE TOLD " DIVRIFIED CONSULTANTS '' I DO NOT OWE THIS BILL, WHICH IS {$1100.00}. I AM A XXXX XXXX AND GO OUT OF MY WAY TO SEE THAT ANY AND ALL OF MY OBLIGATIONS ARE TAKEN CARE OF. WHY DO I HAVE TO PAY THIS BILL WHEN I NEVER OWNED A XXXX PHONE OR MADE OR USED ANY OF THEIR SERVICES. TODAY I LEARNED THESE PEOPLE HAVE FILED A JUDGEMENT AGAINST ME. AND HAVE RUINED MY CREDIT. I HAD APPLIED TO MY BANK FOR A USED CAR LOAN AS MY XXXX BUICK WANTS TO RETIRE. AND WAS TOLD I WOULD NOT BE ABLE TO GET A LOAN BECAUSE OF THIS FALSE ATTEMPT TO COLLECT A LOAN I DO NOT OWE AND WOULD HAVE TO PAY OFF TO PREVENT ANY MORE DAMAGE TO MY CREDIT..THIS HAS KNOCKED ME FOR A LOOP TO BE TOLD BY MY BANK OF WHICH I HAVE ALWAYS BEEN IN GOOD STANDING. THAT I NOW HAVE A JUDGEMENT AGAINST MYSELF. THANK 'S FOR LETTING A OLD LADY TELL HER TALE OF WOE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with both transition and XXXX about an account from XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a   XXXX   Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As a mortgage holder of loan product from XXXX XXXX XXXX/XXXX that was so risky I had real hardships and struggles for close to five years until abput 2011. Not one loan modification program as subsidized by the government was allocated for my relief and it surely wasnt for lack of asking. I have to assert this time though that XXXX XXXX XXXX allow some principal reduction or forbearance with my toxic mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an approximately {$1800.00} balance on my account in XX/XX/XXXX, which I paid off in full before the due date. I thought that took care of the credit card. I happened to check back online to make sure the balance was paid off, and found they had charged me an additional {$30.00} interest after I paid off the balance. When I called, they said because I didn't call and ask them the balance, that was normal to charge interest on the balance during the month of XX/XX/XXXX that hadn't been billed, yet. I have never had a credit card charge extra interest after a balance is paid. I told them that made no sense, and they said it is the way they do business. I feel that is the same as charging interest on top of interest and should not be legal. I want my {$30.00} returned. I canceled the card, telling them I did not wish to do business with a company like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Delbert Services
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Spoke with the dept of loans here in Alabama and was told this company does not have a license to do business in Alabama and that she had sent these companies I mention in this report to you all for investigation from other consumer. I took out a {$2600.00} dollar loan and paid {$290.00} for a year and my balance is still XXXX With past due of {$610.00} and then tried collecting again through XXXX for the total amount of the original loan, now reporting on XXXX with XXXX as a write off of XXXX $ with a {$1600.00} past due balance. I was told by the contact person for bureau of loans that this was given to you all before and is being investigated. Many states have taken action including voided these loans. Please get these predatory people to shut down. Western Sky is the originator of these loans and the document by Delbert services says refer to Western Sky for questions. This info needs to be verified. Western Sky is not doing loans now. I wonder why? They immediately after doing the loan say they sent info via email that they ( Delbert ) would be collecting on the loan. Please do research and figure why did they sell the customers from western sky to Delbert services and now XXXX XXXX. They are killing my credit report because I am refusing to pay after researching they are under scrutiny with other states. This has got to be illegal. They are now trying to collect with settlements for half the amt of the loan and someone has been calling my cell and not leaving a message. He 's asks for me and does not say. I owe no one to call me discretly. I think it 's XXXX trying to catch me. Please make this go away off my credit report. I have tried hard to fix it and now they have trashed it along with having been harassed for months before contacting you all before. They wrote it off XXXX for {$2600.00} and sent an email to collect again XXXX/XXXXXX/XX/2015 for the XXXX {$.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  SOUTHERN MANAGEMENT for reporting credit information  to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit 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 explanation
Consumer complaint received 2017-05-16
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency an d have gotten little response. My official complaint is against PHOENIX FINANCIAL SE for reporting credit informati on to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from 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 2017-05-16
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NCAC for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
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: Problem with personal statement of dispute

Complaint:
Someone stole my identity an got items I did n't authorize. I disputed with TransUnion and  XXXX  but do n't feel investigation was performed fairly. I 've contacted creditors but they ignore my issue/problem. It 's acceptance and crescent bank. It 's their word against mines just because they say it 's my account.

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 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a  XXXX . Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.

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 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
To who it may concern. Upon receiving my credit report I have received a XXXX rating on my Consumer Credit and Background Report. I believe this is due to the incorrect information of a criminal record appearing on my report. The criminal record has been cleared for three years to date by the XXXX Superior Court XXXX California location, and my credit score should accurately display information. According to the courthouse the license plate violation was erroneously added to my credit report, and after verifying with the court I have paid the fee and it is cleared from my record. In addition, the criminal report is alarming and sounds like I have been convicted of a crime, when in reality it was only a traffic infraction for not having a front license plate. I would like this minor offense removed from my report due to the fact that I no longer have it on my record and it should not have been there. On my report there is also a non-exact match of the XXXX XXXX XXXX XXXX XXXX XXXX that I would like to have removed because it does not match me so it should not be a flagged section. Furthermore, I was not convicted of any crime and the case was dismissed there is no reason why this should appear on my record. This is affecting my possibilities of obtaining housing and I am very dissatisfied with the credit report. I am requesting a free copy of the new report that reflects the corrections made, and I am hoping that this edited report not be counted as my free yearly report. In addition I would like the new credit report to be sent to anyone who has received my credit report in the last six months, due to the previous ones having incorrect information. Also I was hoping to get an explanation for the XXXX rating because although I have been a credit card holder for only a short period of time, I have never missed a payment nor maxed out my credit limit. I am a responsible borrower and I have a good credit score listed as XXXX on the 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