BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: NJ
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:
Not enough information to verify a debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation that an alleged debt owed by me in the amount of {$440.00} be verified by XXXX XXXX XXXX. According to the FCRA section 609 ( a ) ( 1 ) ( A ) they are required to verify through the physical verification of an original signed consumer contract but have continually failed to do so. The credit agencies in turn have allowed this account to be verified as accurate without providing the documentation that has been requested or even giving their method of verification which I have requested numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX shows a debt owed by me to Ability Recovery Service associated with an original bill due XXXX XXXX XXXX. I have not done any business with XXXX XXXX XXXX and the debt is not mine. XXXX  investigated and claims their investigation indicates it belongs to me. It is with 100 % certainty that the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
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:
In XX/XX/2018, i paid, in full, a debt owed to in apartment complex through a collection agency XXXX XXXX XXXX. i have the receipt of payment and documentation from the collection agency confirming i have paid this balance in full. I file multiple disputes, through XXXX XXXX  and directly through experian and XXXX  to update that it has been paid because i have wasted over {$200.00} in application fees for housing and was denied every time because my credit still shows i owe a balance. i contacted XXXX directly and even submitted the documentation to experian but each investigation resulted in them leaving this balanced owed on my credit. Each time i filed the dispute, i wait the 30 days or until i get notification the the investigation is complete. Still they have that i owe this balance and i will be homeless within the month if i cant find housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX XXXX  : XXXX XXXX Account : 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 2018-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has been attempting to collect a voided debt from XXXX Credit Card for years. They called my in-laws in XX/XX/XXXX. Today,XX/XX/XXXX, they called at XXXX XXXX. and would not tell me who they were because I wouldnt verify my social security number and address. I hung up and would like this nonsense to stop. The debt it no more, yet they still contact me and my family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
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:
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount XXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made an international transfer, but the bank name I used was wrong. As such, the recipient never received the fund. I called Western Union for reimbursement they said they will put the fund back to my XXXX  XXXX XXXX debit card account with no avail. I tried to call my Bank to see if they can help me resolve the situation that did not work. This is the reason I seek your help on this matter. It's been three months since I made that transfer for {$330.00}. That is the exact approximated times I kept fighting to get this resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir/Madam : My name is XXXX XXXX XXXX, and I thank the Consumer Financial Protection Bureau ( CFPB ) in its efforts to correct the wrong-doings of the collection agencies and credit information repositories. This is, may be, the only U.S. federal agency fighting on behalf of us the people. According to my friend and credit consultant, XXXX XXXX, occasionally you do a fine job. I suggest that you show our enemies, the debt collectors and credit reporting agencies, who the boss is here. Display your huge teeth and toughness to these no good, nefarious entities. 

This is a complaint I am filing against a debt collector who has violated the FDCPA, and may be even the FCRA rules and regulations. 

On XX/XX/XXXX, I sent a dispute letter requesting validation of an alleged debt to Hunter Warfield , Inc, a debt collection agency based in XXXX, Florida. To date I have received no response from them even though it has been way past the 30-day limit set by FCRA and FDCPA. I have proof of delivery ( on XX/XX/XXXX ) of my dispute communication to the above-mentioned debt collector. The derogatory, however, still remains on all 3 of my credit reports. The debt collectors in this country have no respect for the law nor do they fear any federal agency, including you the CFPB. The CFPB isn't tough enough with these scoundrels. The collection agencies are so cold-hearted and aggressive in their collection efforts that they make the XXXX and XXXX look almost like angels ; they are totally arrogant, unethical and dishonest. The people behind these collection agencies are very nasty people ; they violate the people's/debtors ' right every chance they get. 

Even the last name of this debt collector, XXXX XXXX, matches his aggressive, militant/warring like-manner of collecting debts. This guy XXXX XXXX must have come out from the wrong side of his mother ; he has no shame in showing his terrible face on his company website. Does he take pride in what he is doing? All debt collectors are like this scumbag XXXX XXXX, cold, heartless and compassionless. 
Who or what gives them the right and authority to do what they do? 

I humbly ask that you, the powerful federal agency, resolve this matter for me immediately as it is preventing me from obtaining credit and to move on with my life. 
Please order Hunter Warfield, Inc to delete the derogatory remark from all 3 of the credit reporting agencies pronto. 

Again, thank you very much.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Aargon Agency, Inc.
State: MD
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:
Wrote letters asking to remove several accounts. As of the XXXX and one account in XXXX. I was a XXXX XXXX. As of today I am trying to get my life on track. I also was so informed by the IRS someone in the state of California received benefits in my name... I have never lived in state nor ever went to the state. I have my results on my health and police 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 2021-04-15
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:
Recently I noticed an account being reported that was not authorized on all three bureaus. I contacted the three main reporting agencies and requested this account be removed or verifiable proof used to validate the debt and and the data reporting. XXXX removed the account but never provided the inaccurate information to the other bureaus as required under the FCRA. I submitted the investigation results to Transunion and XXXX that XXXX showed removed from my credit file. Unfortunately they have yet to remove or provide any debt validation or method of verification used to verify the account in question.

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 2019-08-02
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I initially filed a complaint in XXXX with CFPB but was unable to locate the reference number of the response. Since that time, my issue is now disputing the mortgage company denial to remove late fees and negative credit reporting entries. The details are included on the attachments that were also sent to the mortgage company. I am waiting to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
The complaint I would like to file would be against XXXX XXXX and XXXX XXXX & XXXX XXXX. Recently I called XXXX XXXX office to get an updated log of my account for my records, as well as the original copy of the contracts and documents that I signed for the account. I called to speak with a representative from XXXX XXXX to get an original copy of my account and summary. The associates name was XXXX he did, confirm that my account was at a XXXX balance. 
After our conversation I asked XXXX If XXXXXXXX would be able to send me a letter summarizing what we had discussed concluding that the account was at a XXXX balance. He said he would have to talk to his supervisor to get an approval for a letter to be sent out. He came back and told me that they could in fact give me a letter and it would take about 48 hrs. To be sent out for me to receive it. After 2 weeks of not receiving it, I called back to XXXX, and they informed me I would have to call XXXX XXXX to get any further testament of my account. 
Once I was able to contact XXXX XXXX they informed me that my account was at a XXXX balance and they no longer had my account. I requested from XXXX a letter stating these facts about my account, but was denied this as they said they do not issue letters about account balances or status, I would have to get back in contact with XXXX for those records basically having me run in circles. I then had to call back to XXXX and I was able to speak with another supervisor there. She informed me the reason I had n't gotten a letter was because they do not send out and will not send out a letter concerning any details about my account. Because of this I disputed the negative showing on my XXXX on XXXX.17 as well the XXXX showing on the same day. I then proceeded to dispute the XXXX showing on XXXX17. All 3 credit Unions reporting agencies did not respond to my request within 30 days allowed. They did not provide me with any proof of the validation of the account that XXXX provided them. 
At this point I do n't know what was provided by XXXX to the credit reporting agencies. I spoke with a XXXX  representatives XXXX, XXXX and a supervisor by the name of XXXX on XXXX.17. I was told that a dispute came back from XXXX at a higher balance of {$1600.00} but previously it was {$570.00}. 

XXXX XXXX holds the account for XXXX and XXXX, as I have a XXXX credit card. Because of the dispute with XXXX,  XXXX XXXX informed me that they decreased my credit limit from {$700.00} to {$100.00}. I have never missed a payment and never am late on a payment. One of my big questions, is are they allowed to do that. I believe its unfair when I have always kept my account in good standings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Shellpoint activated foreclosure on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In an earlier complaint, I requested the dates on which each foreclosure was rescinded. Shellpoint only addressed the XXXX foreclosure in their response. 

In addition, in XXXX, Shellpoint provided a package containing the documents mailed to the Borrower since the loan 's inception the communications about the XXXX and XXXX foreclosures were not included in the package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Information belongs to someone else

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX in XXXX, NV, has allowed my ex-husband and his girlfriend to use an account I opened in XXXX, and I have not used it since XXXX for services in XXXX to treat their pet ( XXXX ). My ex failed to pay the bill ; XXXX XXXX XXXX sent me to Allied Collections in XX/XX/XXXX & my credit was significantly affected. I never authorized any services, nor did I even think I had an active account with XXXX XXXX XXXX since I have not used their services in over a decade. I divorced my ex-husband in XXXX & even had to file XXXX in XXXX due to the divorce. I have worked diligently to regain my high credit score, and now this. I have contacted XXXX XXXX XXXX XXXX Allied Collections to dispute this, offered proof of my divorce & bankruptcy, etc. .. ( Please see attached ), and was told by Allied Collections that " it is not their problem, & to deal with my ex-husband and XXXX XXXX XXXX XXXX '' I have not had contact with my ex-husband in over XXXX ( XXXX ) years, and due to his violent history, I will not have contact with him. XXXX XXXX XXXX refuses to call me back after I have called over a dozen times requesting to speak with their accounts manager to discuss why they haven't updated their files in over a decade, allowed someone to use my name & info for unauthorized services, and refuses to contact Allied Collections to have the collection removed. XXXX XXXX XXXX committed fraud by not updating their records in over ten years, allowing my name and credit to be tarnished & they refuse even to discuss and fix it. The Allied Collections people refuse to speak with me and just demand I pay them off. This is extortion, fraud and I have tried disputing it with the credit bureaus proving I am right with my Divorce Decree dated in XXXX, a police report I filed against XXXX XXXX XXXX for fraud.. etc. XXXX said the collection agency just said it was a legit collection. All my supporting evidence & documentation doesn't mean XXXX because a collection agency that just wants money says it isn't. My credit was at almost XXXX before this, and I have not had one late payment on my credit, and still don't except for this fraudulent collection. Please help.

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 2017-09-02
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: Was not notified of investigation status or results

Complaint:
I have disputed a bankruptcy case with Experian & XXXX which they came back saying the information is verified. Advised my bankruptcy is being listed as chapter XXXX when it should be a chapter XXXX they stated it came back verified. I wrote the office of the clerk they advised me that they do not report bankruptcy. case information to credit reporting agency. Per section 609 ( a ) ( 1 ) they are required by law to verify through physical verification of the judgement. Public record information was never validated. I ask them to delete the judgement due the inaccurate reporting.

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 2020-06-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Original creditor : XXXX  {$240.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$240.00} {$240.00} Payment Info Original loan amount {$240.00} Balance {$240.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  {$490.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX all ftc violations

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 2017-09-02
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The is complaint is again Diversified Consultnts for a XXXX bill in the amount of {$980.00}. I have never had phone service with XXXX. I recently reviewed my credit record and noticed the debt. I sent a letter to the company asking for proof of the debt and all a received was a company copy of a bills. I have never received any notice of this debt before contacting the company, I have not heard anything additional from the company either. This is not my account and needs to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: EQUIFAX, INC.
State: FL
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:
XXXX Bank removed my inquiries from XXXX but they did not remove all them from Equifax. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Eastern Sy stems Posted a debt collection on my credit repo rt EASTERN ACCOUNT SYSTEM I  Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :   XXXX      XXXX   XXXX    XXXX  Address Identification Number :  XXXX  Status : Collection account. {$59.00} past due as  of   XXXX   2017.

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