BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a complaint with a company called XXXX XXXX XXXX - Acct # XXXX that was collecting a debt on behalf of XXXX in the amount of {$2400.00}. They were sent a certified debt validation letter on XX/XX/XXXX to provide validation of debt in which they failed to provide the following documents : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

Due to the debt not being able to be validated they removed the collection from my credit reports. I now see a the same collection for XXXX with with a different collection agency " Diversified Adjustment Service , Inc. - Acct # XXXX '' collecting in the amount of {$2400.00}. This company was also send a debt validation letter on XX/XX/XXXX requesting them to provide the following documents above. The company proceeds to send me a bill and a lease agreement with and address in OHIO that is not affiliated with me nor belongs to me. I also included a police report to this company advising I have filed a fraud report and this debt does not belong to me. 

The documentation that was provided by not only XXXX XXXX XXXX ; but from Diversified Adjustment Service Inc. as well are entirely inaccurate and incomplete. I have no knowledge of this debt and this debt does not belong to me. Just as the previous company could not validate this debt and removed from credit report ; Diversified Adjustment Service Inc. should do the same as well as they are selling these debts to different agencies when they have failed to validate these debts in compliance of the FDCPA guidelines 15 U.S.C. 1692. 

I asked that if they could not validate my debt by providing the following documents within 15 days of this complaint they will need to remove from my credit reports or I reserve the right to sue their company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. I have also included proof of my signature which DOES NOT match with the same documentation sent to me by both XXXX XXXX XXXX and Diversified Adjustment Service Inc.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used mobile app deposited two checks from XXXX XXXX XXXX, each amount is {$850.00}, and the total is {$1700.00}, she is my new roommates and I used XXXX XXXX  to pay my landlord rent. Chase bank restricted my checking account after I deposited the checks and used XXXX XXXX. 

I called the customer service and they wanted me to go to one of the branch offices, I went there yesterday, XX/XX/XXXX, and brought my new roommate XXXX XXXX XXXX there and I showed them the checks I deposit through my mobile app and my ID and they still restricted my checking account event the fund is posted already. After I verified all the information with them, they still restricted my account. 

FYI, the name of the Chase Branch manger is XXXX XXXX. the branch office address is XXXX XXXX XXXX, XXXX XXXX. 

Today, I went to the supermarket and trying to use my debit card, but the card still no good. I called the customer service again, they couldn't figure out why the branch office restricted my checking account, I need to know to use the fund, and I need to solve this problem. 

I am very frustrated, I need to solve this out, I already spent 3 days since I deposit the checks to my account and they assumed I am fraud, that's discrimination. I called, showed up in the branch, the checks are good, I didn't do any wrong, why they restrict my account? I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Experian Information Solutions Inc.
State: OH
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 dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. XXXX XXXX credit card is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, OH XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX 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 2017-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I would like to file yet another grievance against Equifax for failing to remove  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX  from my reports. I have been repeatidily disputing that is showing false and outdated information on my credit profile. Equifax is absolutely harming my financial life and have refused to acknowledge that they continue to re-age an account that is supposed to have been removed from my credit profile 2 years ago. This account updates as current and even late though the account has been closed for over 7 years. I have not had a lease with this company and it shows that i have many many lates incurred even though this car was returned o ver seven year s ago. As a matter of fact up until a few weeks ago it was  STILL re porting as an active account.     This account is incorrect and false information is being displayed to creditors and this is damaging my career.     I have proof that neither  XXXX  nor   XXXX   were able to get a hole of this company. ALSO I have filed many CFPB complaints against  XXXX   XXXX  and I have even called the numbers provided and i have received NO RESPONSE. My concern is what type of scam Equifax is running on people who dispute items because  HOW ar e they verifying this? it is false and impossible to confirm. They have had " IN PROGRESS '' next to my dispute since  XXXX   XXXX ,  XXXX !  Enough is  enough. this is not an accurate tradeline, it contains wrong information and it is displayed with negative remarks. I have lost credit over this and I am absolutely on the verge of suing them and    XXXX   XXXX   . The addresses are wrong the numbers are wrong ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: SC
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'm requesting a correction or deletion of the following information that appears inaccurate on my Equifax consumer report. I have already filed a dispute letter to Equifax regarding these inaccuracies dated XX/XX/2022, asking for an investigation, and I didn't receive any reply from Equifax. These items lack accuracy and completeness and have violated my consumer rights under the Fair Credit Reporting Act and as mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a bank account with Chase and a fraudulent check for {$600.00} went through my account on XXXX. The signature on the fraudulent check does not match in any way to mine, and Chase just let this check go through. I have downloaded a copy of the fraudulent check for my records and can submit it to CFPB if need be. I have tried to reach Chase in XXXX of XX/XX/XXXXand they have asked me to walk into their branch. And they have also closed my account without asking or informing me. I have been out of the Us for two years, and now that I am back in the US I went in and have submitted a complaint with a Chase bank on XXXX, and have not heard back from them since then. 
I have called Chase banks customer claims department on XXXX to ask for a status and they have asked me to go their physical bank location. I did go to their physical bank location and have been instructed to call their customer claims department. So I feel like they are sending me in circles. 
It raises an alarm that a big bank like Chase would let checks that have unmatched signatures pass through their system. Customers should feel unsafe banking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Viewed credit file with Equifax in reference to XXXX Bank XXXX XXXX XXXX account showing charged off in the amount of {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was a bunch of hard inquiries on the credit report which we never made any of them. We contacted the phone # s and they said they would clear them and they never did! They are still there and all the same day and week!!!!! 

XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XXXX Texas XXXX ( XXXX ) XXXX - XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Today my boss recueved a fax regarding garnushment of my wages. 
Navient my daughters lender, which is under a consolidation ATM, has begun harassing phone calls ( 10 or more a dayHome phone 5 a day on Mobile ), faxed my employer about wage garnishment and will not stop when reuested to STOP. They have simply increased agression since stopping calls to my daughter. My dughter is enrolled in a program to handle debt, taking steps to settle. These calls are unending and aggressive. 
They have more resources than the consumer and fear they will take my already limited resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Viewed credit file with Equifax in reference to XXXX XXXX Bank account showing charged off in the amount of {$5800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: TX
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 have recently reviewed my XXXX XXXX XXXX. The reports are indicating that a I have 30 day late payment in XX/XX/2023 reported by XXXXXXXX XXXX XXXXXXXX. This a serious inaccuracy a needs to removed immediately. I have never been on any accounts. Please provide proof that this account was paid late by provide me a banking showing by demanding a copy of the statement that confirms. 

If proof can't be provided, I demand that the XXXX account be updated to its correct status and satisfactorily paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
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:
I've been falsely accused of Suspicious Fraudulent Activity that has been inaccurately reported to Chex-systems & XXXX XXXX. This company has yet to verify any legal binding contract of any unpaid debt owed & refused to remove this erroneous item without an explanation. Failure to comply any proof of information of debt will result in small claims court for their action & damages of ; Defamation, Libel, Negligent Enablement of Identity Fraud & Violation of Fair Credit Report Act.

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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2020-06-29
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The credit bureau reinserted a invalidated debt without a reinsertion notice back onto my Credit Report. 
The collection agency Receivable Performance never responded to my 609 letters I mailed out on XX/XX/2020 and they failed to send me out a debt validation letter also.

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 2017-04-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loans are managed b y Navient. A year or two ago, I spoke with customer service representatives and I was informed that I would receive at least 30 days notice from Navient should the interest rates on my student loans change. I did not receive any notification, not an email, a letter or any flag on my account when I checked my account online. One loan changed from 5 % to 6.875 %. I believe this is not a transparent way to conduct business. It feels as though Navient hopes consumers would not  notice because the student loan balance is so high. I expect some type of notification whenever my account is changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Never received a letter, bill, or phone call from listed original creditor: XXXX    XXXX   XXXX   XXXX   XXXX . Yet this morning  XXXX / XXXX /  XXXX     XXXX   XXXX   alreted me that a new account was placed on my report. I check it out and I have a new deb collection fro m Deville Mgmt.  it states original open date is  XXXX    XXXX  . I never conducted business or have ever heard of  XXXX    XXXX   XXXX    XXXX  in  XXXX    XXXX  . This is a fraudulent company, name, and there is no contact info for this original creditor. furthermore deville mgmt. did n't send correspondence neither, they just reported this on my credit and ruined it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax have re-inserted an Item that was deleted almost a year ago. per FRCA,  the CB 's  did not inform me within the 5 days of re-insertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear ERC Enhanced Recovery Company Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX PARTIAL ACCT # # XXXX XXXX  PARTIAL ACCT # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Name : XXXX XXXX XXXX Account # XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$490.00} Date Updated : XX/XX/XXXX Original Amount : {$490.00} Original Creditor XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$460.00} Date Updated : XX/XX/XXXX Original Amount : {$460.00} Original Creditor : XXXX Past Due : > $ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: BANK OF THE WEST
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
I want to pull from reserve

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 2021-12-11
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Im a 100 % service connected vet. They are preventing me from owning a house with their lose tactics. The original amounts was {$1000.00}, theyre are trying to get me to pay {$2200.00}. I can solve this problem with ease, but Im XXXX XXXX XXXX XXXX XXXX XXXX. So this is me trying not to. But I dont see no movement, Ill assume you gave me the green can to. On XX/XX/2021 I sent a letter of validation to LVNV Funding to verify and or remove the debt, they responded by raising it. This tactics should not be allow, they have no legal claim to collect the debt, please help me or or Ill use all my military experience to go there and make this evil stop myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
TransUnion has allowed this account to be listed twice.

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 2023-08-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief