BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recieved notices and phone calls on a debt from XXXX phone service.. The collection agency service says i owe 200 % of the original charge. diversified consultants says i had a early termination contract on my cell phone. 
I went to XXXX to get phone fixed, they closed my account and reopened my account. so they could sell me a new samsung phone.. I was n't aware this was a early termination. this was not disclosed to me. resulting in past debt collection. I dont have that phone and have no existing contract with XXXX also if settling with this agency, they stated they have no information of any credit bureau they are going to report and rectify my credit to ... So I dont trust this agency to help me resolve this. I believe radio shack is initially at fault, coupled with diversified consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
USAA Federal Savings Bank Credit Card Identity Theft/Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-11
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: Old information reappears or never goes away

Complaint:
Hi, my name is XXXX XXXX and Equifax is reporting a XXXX delinquent account on my credit report and this is not mine. I have filed out 2 FTC reports and have asked Equifax to validate this debt as I believe my identity as to be compromised as I was exposed on the dark web breach of XXXX  and they have yet to respond back to me. They claim to have removed it however, nothing changes to where it gets put right back on with no investigation results being sent to me or explanation on to what this debt is or where it came from. Please see all the following documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: IL
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 Reporting act XXXX XXXX XXXXaccountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Reporting act XXXX XXXXXXXX XXXXaccountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions

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 2021-03-23
Company: EQUIFAX, INC.
State: TX
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:
Last year I obtained a copy of my credit report and to my surprise I had a ton of negative and inaccurate items on my report. I tired to reach out to the reporting agencies multiple times and to no avail. I have wrong names, wrong address, and wrong employers on my report. I have debts from companies that I've never done business with or accounts that were paid off that's still showing a balance. According to the rules that I found online the agencies had 30-60 days to respond and provide proof of these debts and it has been well over 120 days with no answers at all. 

I sent letters attesting these inaccurate accounts on XXXX, XXXX, and again here at XXXX. So many discrepancies across the XXXX agencies like different account numbers, different amounts and different names and addresses. These items reporting on my report are totally unfair and a complete violations of my rights. The agencies have had adequate time to contact the alleged debtor to provide proof and until then I'd like them removed from my report. I believe my information was a part of the equifax and XXXX hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Supreme Lending
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
By a lack of knowledge of Mortgage in Pre Qualification process, I lost my money and affront expensive process to find a new living place for my family members of XXXX. After a Pre Qualification confirmation in XXXX XXXX using all credits reports pulled out, I start the process of a mortgage loan. I signed a Sales buyer agreement in XXXX XXXX. The processor XXXX XXXX review with me all options available for my loan. I request a Conventional Loan, but he reject it because my credit history. I did n't qualify for that one by a law or rule of 3 years. He offer me a great rate on FHA type loan. and he was convinced that I was qualify for that loan. After I start my personal arrangements to leave my current rent agreement and start my furniture investments. From XXXX XXXX I invest in all inspections requirements, appraisal process and paid in cash to all {$880.00}. Also change my insurance cars company to get a discount and join the home insurance quote and sent to the mortgage for closing purposes. Later in XXXX XXXX I got confirmation of the closing date and complete signed all Loan Disclosure forms, FHA forms, home tool kits and also got the Closing cost amount. I starts my personal arrangement 's to get all set for closing cost and date. In XXXX XXXX in my initiative of follow up I got denial letter and confirmation that the loan cant be processed because another rule or law that state I cant be eligible for a FHA loan if I was involve in a Short sale process in the past in a Conventional loan in XXXX XXXX, So I cant qualify for a FHA loan until I complete a punishment time of 3 years. All FHA forms only describe some restrictions for loans on Foreclosures, Defaults and delinquent on Mortgage transactions. There is NO Short Sale restrictions on those forms. If this is a FHA rule or law or if this is a Credit requirements, or a lender criteria I did n't get any of those restrictions advisement during this processing. I should got a Qualification or a better counsel by the Processor or someone in the Lender institution, because they pulled out my credit report from XXXX companies. Where all details come from there. Now I am working to get back my {$2000.00} earnest money, but I still loosing closing cost by a loan never completed, plus a raise of rent by last minute seeking, Storage cost for all new furniture invested, Schools transportation cost and a frustrate family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX XXXX XXXX. I have contacted the credit bureaus XXXX XXXX XXXX, and Experian ) on numerous occasions along with contacting the creditor, XXXX XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX XXXX has yet to provide a response to my initial complaint. I also submitted a complaint with the XXXX XXXX XXXX, my complaint continues to be ignored. However, XXXX, Experian, and XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XXXX XXXX and Experian requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to XXXX XXXX XXXX XXXX XX/XX/XXXX ) via certified mail 2. ) Reference XXXX  Complaint date XX/XX/XXXX 3. ) Police Report 4. ) ID Theft Affidavit

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 2015-12-16
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Reviewed my credit report and see that there is a medical debt that appeared on my credit report from Diversified Consultant. First, I do not have knowledge that I received notification of this debt to dispute the validity of this account. Second, they have an opening date of XXXX 2015 which has lowered my credit score. I have not been in the hospital or doctor 's office for several years. I need them to change the opening date to the date of service, but first they will need to send me a letter so I can review the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My unit is under a 5 year tax abatement program, so every year there is an abatement increase on top of the original tax amount, which comes in a separately bill. LoanDepot, my mortgage server did n't pay the abatement increase from my escrow account, and claimed they did n't receive a copy of the bill first. I sent a photo copy in early XXXX, and kept following up. However, only until today, after I call them, I got an answer saying that this increase amount is not their responsibility to pay, and they ca n't incorporate this amount going forward, either can they reimbursement me the losses occur. It 's been a month!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2018 I purchased a cell phone and plan from XXXX. I put my account with them on auto pay, primarily because of my health and XXXX XXXX. I explained to the representative that this was the reason and that it was imperative that my service not be interrupted for this reason. 

In the following two consecutive months my phone service was interrupted twice for no apparent reason through this company was paid from the auto-pay I had set up. 

I called them and explained that I could not trust my life to their service and switch to XXXX XXXX. They placed me up for collections, I disputed it and it was taken off my credit report. 

This company Source Receivables Mng., has brought this old debt from XXXX and is trying to collect on a old settled debt. This company sent no letters or information about their intent to collect and therefore has been the cause of thirty plus point loss on my credit report. This was wrong and very damaging to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: OR
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:
Im submitting this complaint against XX/XX/XXXX, Equifax, and XX/XX/XXXXdue to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, I bought a house and was financed through XXXX who sold my mortgage to XXXX XXXX XXXX, who then sold it to Greentree Service which became Ditech. There have been issues with Greentree and Ditech all along the way, with fees and harrasing phone calls, but the kicker was that I started to get a refinance in XXXX XXXX. From then until now, it has been one list of confusion and run around. No one in this company gives you the same answer and money seems to go missing. I first was told that I owed late fees but they couldnt tell me how much or for what or why I had money listed in an account marked " other funds '' but that wasnt late fees paid. Then they did a research on my account and magically made things add up after weeks and weeks. They lost my payment miss applied my XXXX mortgage with my XXXX and than held up a few more weeks. XXXX seperate checks with XXXX seperate accts numbers. Then finally the refinance department calls me and say they called my home owners insurance company and found out that my policy was cancelled a year before in XXXX XXXX because of non payment. Although it has always been part of my escrow. But when I call customer service they tell me no maam you are insured. They give me the policy number, the due date, the amount due etc. So for the past week its been chasing my tail to get straight answers. Where is my missing money? Why wasnt my policy paid. Where is a check they tell me they refunded me. Why dont they realize that if they have an extra {$1100.00} in the acct they may need to figure something out! I now have been dropped from my insurance company who wont take me back because of the lapse. I had to get a terrible policy just to get coverage. My out of pocket XXXX forbid something happen is {$2500.00} its a nightmare. So now that I ask where my money is now tax payments show that they have been issued to the county and XXXX to the city ( although I dont pay a city tax ). Both for the same amount. My township says they havent received a payment since the XXXX quarter. I think my money is being stolen or pocketed. I need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
This account was closed over three years ago in XXXX, however, the company just recently on, XX/XX/XXXX, reported on my XXXX  credit report that I had a late payment in XX/XX/XXXX, which is not possible since the account has been closed for more than three years. This information is incorrect and inaccurate should be removed from any and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$0.00} XXXX-XXXX****-Balance {$0.00} XXXX XXXX XXXXXXXX {$8400.00} XXXX {$18000.00} XXXX XXXX {$230.00} XXXX-Balance {$510.00} XXXX***-Balance {$720.00} XXXX XXXX-XXXX***-Balance {$1300.00} XXXX*-Balance {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: RIA FINANCIAL
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got a call from a XXXX number claiming that I had won the XXXX prize of {$850000.00} and a 2015 BMW. I informed them that I was not in XXXX but was stationed XXXX. They then proceded to inform me that because of some XXXX law that I had to pay 1 % to get my money. Of course me being missinformed of things I took {$250.00} and sent it WalmartXXXXWalmart XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: TH Professional & Medical Collections LTD
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
T-H PROFESSIONAL & MEDICAL COLLECTIONS LTD HAS PRESENTED ME WITH A FRAUDULENT BILL FROM A MEDICAL PROVIDER. I CONTACTED THE PROVIDER DIRECTLY AND THEY ADVISED THAT MY ACCOUNT IS CURRENT AND BEING PAID AS AGREED. THE MEDICAL PROVIDER ALSO INDICATED THAT THEY HAVE NO RECORD OF REFERRING ME TO THIS AGENCY. MY ACCOUNT IS CURRENT AND BEING SERVICED AS PREVIOUSLY AGREED TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation