BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a follow up to my initial complaint about Convergent Outsourcing. I actually spoke with a representative today regarding the account that is in accurately reporting on my current report. Upon speaking with the representative she gave me information on two separate accounts they have in their office - One is from a XXXX XXXX XXXX  address and is from an alleged debt, dating from XXXX and the other is XXXX XXXX XXXX ( XXXX ) The representative stated that they sent a final bill to my home as validation, which in fact is not proof a debt. I explained to her that I was actually a victim of fraud in the past as well and neither of the debts belong to me. On top of it, the statute of limitations for debt collection has run out on the one debt that they are trying to collect ( XXXX ). 

I would appreciate it if these debts are removed from my credit report as a copy of a final bill is not validation and not proof that the debt is mine and that they can collect the debt, along with the fact that the debt is over 9 years old.

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX I spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit that was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2017-09-23
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sometime last week a representative from Midland Funding called me to set up a settlement amount from A Debt from XXXX XXXX bank that is not owed By me. His name is XXXX XXXX. He told me to pay the debt by XX/XX/XXXX and I do n't have to worry about it reporting to the credit bureaus and he would have the original XXXX ( XXXX XXXX Bank ) remove the account off my credit report. I then requested him to send me a letter stating that he would do that in writing before i make the payment. On XX/XX/XXXX I received a letter from Midland Funding about the settlement demand but it does n't indicate that the deragatory will be Removed. Today which is XX/XX/XXXX, I received an alert from experian indicating that I owe XXXX from XXXX XXXX bank as a Derogatory collection. This Collection agency not only made a false XXXX but they are reporting the same debt at the original XXXX ( XXXX Bank ) on my credit report which makes it a double Derogatory for the same thing. They did n't keep what was promised to me to make the payment before XX/XX/XXXX. They also informed me that it would not be Removed from my credit report once paid as XXXX of the other represenatives promised me. It is illegal to report inaccurate information on my credit report and treat me unfair like that. This is very damaging to me and my life, my family and is a XXXX of my character. This should n't be On my credit report and should be Removed and I request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Debt Collectors International, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from this debt collection agency XX/XX/23 claiming XXXX  XXXX XXXX XXXX XXXX is attempting to pursue litigation, I advised the rep this was an error and Id call the pet hospital. After speaking with the hospital they indeed confirmed the file was sent over in error. 

I called the agency back to obtain an ID # and or complete name of the women that made the call as she failed to state the XXXX XXXX. I was transferred over to XXXX, he refused to provide me with any details and stated I used a XXXX slur and that I needed to call back in a calm manner. He claims he is not required to provide me with any information and terminated the call. All calls are supposed to be monitored and recorded, I like a XXXX to call me back so we can discuss how they are in violation of the FDCPA and additionally, how he wrongfully accused me of of making XXXX slurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My Credit Card information was stolen which I immediately reported to TDBank. They said they would send a new card out this was on XX/XX/XXXX. After 2 weeks I called back and they said they will send out a card on XXXX XXXX. after 5 business days I called and they still never sent out a card, They now say it was sent out on the XXXX because my address was not validated. I have used this address for the past 7 years and now not validated? I am bringing this attention to Consumers who are considering doing business with TDBanl as well as the Corporation so that they can look into the matter as well. I believe replacing the card immediately is the correct procedure and want to know why I was signaled out and not sent a card?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX reported a medical collections account in the amount of {$1500.00} to Equifax without notifying me of the debt and giving me an opportunity to dispute or validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Not one of your cat applied. I was in XXXX in XXXX when a live check came in the mail and one of the family deposited it since I often received paychecks by mail, No one knew it was a solicitation for a loan. Once I returned from XXXX in XXXX, I found out about this loan and was XXXX. I did not approve, or even sign the check. They will not provide me a copy of the check but to keep my credit in check, I made the payments at 34 % int. Once I became medically unable to work, my fixed income became strained and I contacted XXXX XXXX in XXXX and they said tough. One lady asked the following two questions : " do you have a child 's account you can pay us with '' and " you have a wedding ring right? sell it or other jewelry ''. I was highly offended. I have hearing problems and have notified them I can not talk on the phone well and gave them my new address. They continue to call 4 to 5 times a day and I can not answer. They only use an email service XXXX calls deceptive. They reused to work with me, refused to contact me in a way I can even if no personal information is sent. According to the XXXX XXXX document, Guidelines regarding the Avoidance of Predatory and Abusive Mortgage Lending Practices in Georgia XXXX XXXX Banks, they fit the bill, using predatory leaning methods to secure high interest rate loans with those who can not afford it, have low credit or are on fixed incomes. They even have on their walls a certificate from the governs office proving they have support of the state in their lending methods. I have no choice but to let it go to court, they say I signed a document that said I agree to arbitration. I never saw any document or signed any check or paperwork and now want this loan expunged. This is not the only Leander that did this while I was out of the state, XXXX XXXX also said I had a loan and threatened legal actions. No one in my family saw this check and no one signed it but to protect my credit, I paid them over XXXX for a XXXX $ loan. Now, I throw all mail away without opening it, just tear it in too. My credit has not been destroyed and this leaning practice, illegal in XXXX states, is common in Georgia and I want to see the companies closed and this predatory leaning stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
accounts listed on this FTC report are all fraud accounts that was open without my knowledge as of to date ... .....

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 2023-01-13
Company: American First Finance, Inc.
State: IN
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 accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove. 

On the XXXX XXXX I want the late removed and closed account On the XXXX XXXX XXXX XXXX XXXX one They all said it would be soft inquires on my report and they were all hard. I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 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 2018-08-08
Company: Armor Systems Corporation
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 status incorrect

Complaint:
Upon checking my credit report in XX/XX/XXXX, I noticed there was an error in status on one of my accounts. Armor Systems Corporation indicated I had an unpaid account. A phone call to them verified that the balance was indeed paid. I asked that they update my account to indicate such. I also asked for written confirmation. I never received the written confirmation. On XX/XX/XXXX I again checked my report and the status went unchanged. On that day I sent a letter to Armor Systems Corporation informing them that the status of my account with them was incorrect, asking again for a correction. No change and no response. I sent one more letter to them on XX/XX/XXXX asking for validation. Again, no change and no response. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through XXXX  to get this updated and on XX/XX/XXXX I sent XXXX  a letter asking for validation and proof of my 'unpaid ' balance. XXXX  sent an automated response indicating the account had been verified?!? This is either a blatant lie by Armor Systems Corporation and/or XXXX, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my credit reports.

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 2017-09-23
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 information incorrect

Complaint:
I was talked into taking out XXXX loans to attend XXXX ( a XXXXXXXX XXXX campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX let who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a wire transfer for XXXX deposited into my M & T Bank checking acct on XX/XX/XXXX which the automated system said it was avail for withdraw and my mobile app stated the avail was XXXX ( since I had XXXX already in the account ) for withdraw, payments, or transfer. I went to XXXX branches XXXX at XXXX XXXX XXXX XXXX XXXX DE And XXXX on XXXX XXXX XXXX XXXX XXXX DE, and was denied my withdraw of only XXXX XXXX  and was told had to wait a day. This should not have happened since the deposit was a wire transfer and the app said it was avail. XXXX be closing my account out once I set up my direct deposit elsewhere. I asked to speak to a manger and she advised I could not withdraw my money. XXXX done with this bank. This is unacceptable and other customers need to be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking or removing of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-12
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXXXXXX - XX/XX/XXXX ~ XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX customer service at TransUnion or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: Clarity Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
A couple of months ago I requested my Clarity Services report because I applied with a couple of personal loan companies and I kept getting denied because either they said that either they couldn't verify any info and/or the info was indicative of fraud. And that my information keeps changing. The report recieved doesn't show me what's indicitvae of fraud and has a whole bunch of inquiries from merchants that I did not apply with. I have only applied directly with lenders except for today, a company called saying that if I went on a website and applied that I would be approved for loan. So I applied and then recieve an email from a whole different company saying that I was denied. Again for the same reasons stated above. Clarity Services is an extremely difficult company to deal with and it took forever to get a copy of my report and had to call numerous times and had to fax supporting documents more than once. When I spoke to them after recieving the report it seems like no one knows what I am talking about. I spoke with them many times in month of XXXX. I feel like I could have gotten a loan to consolidate the payday loans I had, but everytime I apply online to the companies that offer big loans I am blocked. But all can get are relatively small loans at store fronts most of the time after providing tons of paperwork

Company response to consumer: Closed with explanation