BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2023 to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXdischarged Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XXXX Balance : -

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 2021-10-21
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My original debt is with XXXX. They charged me unwarranted early termination fees when I moved from MI to XXXX in 2018. I stayed in an XXXX until I purchased my home XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. XXXX did not service my area. I've tried to dispute these charges and they sent the balance to collections ; Convergent Outsourcing , Inc.. I have contacted XXXX to try and pay the balance and was unable because it's sent to collections. I was told to contact Convergent Outsourcing Inc, I did and they are a credit repair company that will only allow me to pay {$190.00} now to remove the collections from my credit reports PLUS {$99.00} per month of service for a 3 month minimum. This is not okay, I do not need their services. XXXX should not have charged me early termination fees until I was at a permanent address allowing me an opportunity to start services at the new address. Because XXXX didn't offer service in my area these charges should be removed. I should not be forced to pay for credit repair services of almost {$500.00} in order to remove the collection of {$290.00} from my credit report. This should be illegal.

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 2021-10-20
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
on XXXX XXXX I spoke with the mortgage company to get off my forbearance plan. I was sent trail paper work for modification. from XXXX, XXXX, XXXX, I had to make payments on the XXXX of the month. I made each payment over the phone with a customer service rep. I called end of XXXX to see would I get any upstates on how to pay my bill for XXXX since the portal never let me submit my payments. when I called the customer service they took payments of {$1100.00}. which it says it on the portal log in. the trail paper states {$1000.00}. which i was unaware I know its my fault for not reading it correctly. I was pregnant and have a newborn baby 2months now. when I called they told me my loan was breached since I didnt make the amount of {$1000.00} and now I need to have {$14000.00}. by XXXX XXXX or else my house would be in default. I feel this is unfair I take responsibility for not paying attention but again I was pregnant with a lot on my plate. I made each payment on time on the 1st. Why didnt the customer rep tell me I was short?. they accepted each payment as if it was okay over {$29.00} dollars if I would have known I would have paid it no issue. I called Lake loan care told them and the manger brushed me off said its nothing they can do and they have to move to the next caller. I really want my home I dont wan na lose it. I asked was it anything I can do I have newborn and next month ill have to lose it all. they sent me a denial letter. but why am I being denied again over such a small amount when I paid on time It was just a confusion. also why does the loan website says XXXX when I saw that I automatically figured oh this is what I have to pay. but no they took my payments and told me once it was over I breached. can anyone help me can I keep my home? its just me working my husband lost his job due to covid and im XXXX 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 explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I called several times so they can remove all OLD address, phone numbers names and nicknames on file! Some XXXX ERASED EVERTYTHING ON FILE INCLUDING MY CURRENT ADDRESS. I have called over 50 times and submitted all kinds of paperwork on line which that upload portal NEVER works, I even mailed in a copy of XXXX Government Identification cards as well as XXXX current bills which have my address. My credit report has NOT BEEN UPDATED SINCE XXXX. To this day I keep getting wrong information and that within 24 hours they are going to add my current address of XXXX XXXX XXXX XXXX, XXXX TX XXXX and fix it but i keep getting that same response over and over and nothi9ng gets updated. My credit report is still stuck in XXXX, I have told them that I can drive to XXXX, TX IN PERSON IF THIS DOES NOT GET RESOLVED. ITS LIKE IF I AM TALKING TO A FOREGN GOVERNMENT!!! How can I file a lawsuit against Experian?

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 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It's not my account. i never had this credit card, never applied for it!

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 2023-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For any collection account, we will visit 15 USC 1692 - FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. A Consumer can refuse to pay a debt collector XXXX 15 USC 1692 ( c ) ( c ) I Never gave my permission to furnish any false information on my credit report! Its a violation of my lawful rights. 

I have the rights to privacy! And to report any thats being reported inappropriately. 
Please remove this account from my experian and XXXX! 
PORTFOLIO RECOVERY ASSOCIATES!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unauthorized information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-15
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been a member of Pentagon Federal Credit Union for 40 years and had never had a problem with them before. In XXXX of XXXX, however, without any basis or documentary evidence, they claimed that my flood insurance had expired on XXXX XX/XX/XXXX and they had no evidence that it had been renewed. As requested by PFCU, I provided declaration pages for the insurance from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX as well as from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. They then claimed that there was a gap in insurance coverage from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX which was patently incorrect since they had the correct dates from the policy declaration pages. They then on several instances, threatened to purchase flood insurance to cover this period. 

I provided all the information they asked for and they acknowledged having received it, but persisted to claim there was a gap in coverage and threaten to purchase flood insurance for me. This was all documented in a series of letters back and forth from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. This entire problem was about my home equity line with PFCU, which did not even have any balance outstanding throughout the whole exchange. 

I was so disgusted with their incompetence and lack of response over this issue that I requested that they close out my accounts and terminate my membership in PFCU. I instructed them to do this in my letter of XXXX XX/XX/XXXX and again in my letter of XXXX XX/XX/XXXX. While they subsequently sent a letter stating they had cancelled the flood insurance they had ordered, they have taken no action to close my accounts, forward the proceeds to me, or to terminate my membership in the PFCU.

After 40 years as a member, I can not believe they would treat me this way and I no longer wish to do business with them. I want my membership cancelled and the proceeds of my accounts forwarded to me without any further delay. In reading reviews of PFCU online, I am apparently not the only person who has had this sort of problem with PFCU.

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 2023-11-14
Company: GreenPath, Inc.
State: HI
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
I pay XXXX to manage my ( XXXX ) XXXX XXXX XXXX XXXX XXXX. These were credit cards I had. The company negotiated a lower interest rate. I pay the company ( greenpath ) a fee to manage. I have been in this program with these XXXX cards for more than 2 months. On my credit report today it says for XXXX that I am 30 days late on payments. My credit score dropped XXXX points!!!!!! 
XXXX XXXXXXXX XXXX did NOT pay XXXX XXXX XXXX. XXXX XXXX XXXX bank lied to credit agencies saying they did not receive My goal was to raise my credit with this company ; now they have ruined my credit and screwed up my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This matter is involving the company, XXXX, in their exhibiting unfriendly customer service. In fact, the service appears intentional to force payment on items irrelevant to the customer account. XXXX issued several phone numbers to my business account, a main number, fax, and others related to the business operation. When terminating my main phone number, XXXX shut off my main number, however, they kept on ( active ) the other phone numbers. XXXX only acknowledged the main number to enable talking to their customer service. When terminating their main number, it was impossible to turn off ( discontinue ) all of the other numbers. This period of time was between : XX/XX/XXXX- XX/XX/XXXX. Through this time, I attempted to reach XXXX. Once I finally terminated all numbers, they sent me a bill for the period of time I was trying to turn it off, to reach their company. 
XXXX XXXX - - turn off main business line XXXX XXXX - - attempt to reach XXXX to turn off other business lines XXXX XXXX - - written attempt to XXXX by mail to turn off other business lines XXXX XXXX - - demand for termination of business with XXXX and waive billing XXXX XXXX - - dispute debt by XXXX XXXX ( CONVERGENT ) XXXX XXXX - - dispute debt by XXXX XXXX ( WAYPOINT ) Status now : XXXX PLEASE STOP!!! Please stop this financial harassment.

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 2021-08-21
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
First Progress : Stole {$500.00} from me - In an attempt to increase my credit limit which was approved more than 3 times we sent 2 different money orders ( {$300.00} plus {$500.00} ) and were given a 15 day grace period to have it there. 4 days later we received a letter stating that the funds were not received in time. No funds were returned, I later made a complaint to the XXXX XXXX XXXX and they return one of the money orders in the amount of {$300.00} then told the XXXX  that all of the funds were returned. As of XX/XX/2021 the {$500.00} money order was never returned nor credited to the account. They have sent a bill in the amount of {$370.00} stating that is the amount owed on the account. Now they threaten to close the account if we do not pay an additional {$370.00} to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Got a letter from AD ASTRA recovery services saying a owe a certain amount of debt from a loan I got out from speedy cash XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the 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 2023-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was never informed about this collection account. I never received any information about this debt. I am supposed to receive legal disclosures/notices regarding any debt a collector puts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted I listed below in the report I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report.

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

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 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I submitted an Affidavit of Truth to Capital One on the XXXX of XXXX and that Affidavit of Truth was also notarized as well. Capital One closed my account wrongly because Banks can not issue credit. According to 15 U.S. Code 1602 ( a ) ( f ) ( g ) I am the Original Creditor and the Card Issuer and the Original Creditor, the consumer/natural person, gave the corporation permission to extend MY credit to me. By me being the Original Creditor, a corporation can't talk, its lifeless, cant extend to a living natural person, such as myself. The Original Creditor, me, the consumer does the granting. I sent Exhibits to Capital One as well. They know that they were in the wrong because they have sent letters to me so that I can call to re-open my account ; but every time that I call, a rep. says that my account is closed and there is nothing that they can do about it. There is NO such thing as a CLOSED account because credit cant be shut down. Banks can't close anything that they don't own. I will upload the documents and letters from them as well. The solution to the problem is for Capital One to give me MY line of credit of {$11000.00} back and I would like for them to honor what I asked for in my invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation