BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called Convergent on XX/XX/2022 in order to get some more information about this debt. I have been monitoring my credit heavily the past few months due to trying to buy a home and I never received anything in writing from them to let me know about this debt before it appeared on my credit which they do have to notify me, in writing, prior to reporting and they did not do so. If they had followed the proper procedure I would have entered an agreement with them then to resolve this. I did call them to make an attempt to deal with this, but again they did not notify me in writing prior to reporting on my credit.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: AZ
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 trying to get a bankruptcy removed from all XXXX credit companies cause its effecting my interest rates etc. equif. And XXXX XXXX removed them but experian has not. this was over 8 yrs ago and its still effects me and want them removed asap!

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2022-03-09
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX received a Notice of Default and Election to Sell Under Deed of Trust with a 90 day to make payment arrangement. However, I paid this loan off in full to " XXXX XXXX XXXX '' in XXXX. This is the first I have heard of owing anything or being delinquent on any payments in over 13 years. This creditor " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' are not on my credit report and are strong arming me and using leverage to be forced to pay XXXX debt twice. My parents and I have lived in this home since XXXX and never had a foreclosure, judgment, or lien of any kind on credit report or on this property. I feel this is an act of predatory collections on hard working families and elder abuse. This is inhumane and reckless business practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have Items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 2021-05-28
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Equifax has been reporting a consumer statement that I DID NOT ASK TO BE REPORTED OR INCLUDED ON MY CREDIT REPORT. I have called numerous times and requested/disputed that this statement reported that is not attached to any of my accounts be removed. They process my disputes and never send any results. I have called today to inquire why its still being reported and the agent could only state that the results of the investigation is that the statement has be updated. The statement does not refer to any account and i never wrote a consumer statement or ask for a statement to be put on my file. This statement is causing me harm and needs to be removed. Please assist me in getting this consumer statement removed from my credit file with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 balance $ XXXX Sent a check for total balance {$100.00} on XX/XX/XXXX, check # XXXX. 
XXXX XXXX claims they didn't receive the check and applied fees of {$25.00} On XX/XX/XXXX. 
On XX/XX/XXXX I travelled overseas to attend to my father in hospital having a XXXX XXXX. 
I returned on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX charged further {$40.00} to bring the balance to {$160.00}. 
I did call XXXX XXXX when I realised the charges on my statement and I explained that a final total payment was sent back XX/XX/XXXX! Can they fix their records as I just got notified by the credit Bureau about late payment. After long detailed conversation with XXXX XXXX explaining about the unawareness of the lost check payment, travel and insignificant amount not paid they still went on and reported the late payment a day later and damaged my credentials as if they didn't care! I find this action is harsh and unfair especially explanation offered when I was notified and settlement was made. XXXX  XXXX damaged my credit by XXXX point down across the three credit Bauru 's. XXXX XXXX ignored the credit consumer protection bureau laws : XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604a Section 2 also, states a consumer reporting agency can NOT furnish an account without my written consent finally under 15 USC 1666 b a creditor can NOT treat a payment on credit card account under an open consumer credit plan as LATE for any purpose.

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 2022-03-09
Company: Social Finance, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Sofi has changed my interest rate within less of a year of me establishing in the account. My account is enrolled in autopay. They issued a statement showing an amount of {$2000.00} was scheduled to be deducted on XX/XX/2022. Instead an amount of {$2000.00} was withdrawn from my account. When I contacted SoFi, on XX/XX/2022, to determine why there was an increase. I was told they made an error on my original application and applied a discount in the amount of .25 % twice to my account. I notified them of 12 CFR 1026- Truth in Lending ( Regulation Z ) where the lender is unable to change the interest rate during the first year of the account being establish AND after the first year, the lender has to provide a 45 days notice in writing prior to the changes going into effect. SoFi, has violated the terms stated in the Truth in Lending guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2019-08-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover card advertized promotional rates and I applied. Got approved for {$4500.00} credit line. They run my credit which is excellent. I got email " congratulations, you card is in the mail '', than I received completely fraudulent request for my tax returns release from XXXX. I called Discover and they explained that they just implemented brand new policy of requesting tax reutrns AFTER they approve credit card. This policy is complete fraud. After all those security breaches at XXXX, XXXX, Credit Card acompanies and banks, you got to be completely insane to release your taxes to them. 
Most importantly, Discover DID NOT DSCLOSE PRIOR TO applying and running my hard credit check that they will be requiring my tax returns release. if they had disclosed prior to taking my application that they have new policy of requesting release of consumer 's tax returns thru recently hacked Equifax, I would have never applied. I requested they remove the credit check from my credit reports and they refused. I beleive this practice is FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-05-13
Company: RMA Credit Association
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL

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 2022-05-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Items returned to XXXX at the warehouse and the credit card company is not refunding me then the credit card company took out XXXX from my back account for the returned items

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 2022-11-13
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: Investigation took more than 30 days

Complaint:
Investigation took more than 30 days and nothing was changed when clearly there are misleading, incorrect, inaccurate items on my credit report..i have those two accounts attached showing those inaccuracies... I need them to follow the law because this is a violation of my rights!! The EVIDENCE IS IN BLACK AND WHITE ....

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-09-12
Company: National Credit Systems,Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, NATLCRSYS, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) ( 1 ). 

Despite my request, NATLCRSYS has failed to provide any verification of this debt or respond to my inquiries within the required time frame under the FCRA. As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. 

Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. NATLCRSYS has not met this obligation, and as such, the collection account should be removed from my credit report. 

The details of the collection account in question are as follows : Collection Agency 's Name : NATLCRSYS Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Kikoff Inc.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company incorrectly reported that they didn't receive payment. And there is Noone to speak to resolve this issue. I sent emails which a response comes every XXXX  days with no resolutions or follow ups. The payments they received but did not process are XX/XX/2011, XX/XX/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 2023-07-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX we had to go on covid forbearance and it was approved. when our va covid forbearance ended in XX/XX/XXXX I tried to apply for a streamline loan modification. I lost my job but was receiving social security XXXX for life now. we could afford our mortgage payment but we could not pay the {$79000.00} Carrington Mortgage was demanding from us. I called every week ( I have proof of every person I spoke to ) inquiring about our modification. I uploaded to the Carrington portal and emailed Carrington all the documents they requested. we were denied in XX/XX/XXXX for no reason stated and no one at carrington could give me an answer. I appealed we were denied. I applied for a VA Partial Loan Modification I found from the CareAct on the White House website that we were protected due to a world wide pandemic. We were denied again with no reason given but we could appeal the denial. I did not know how to appeal this with no reason given and no one at Carrington able to help me but I appealed it anyways. We were denied in XX/XX/XXXX and told we were not in the foreclosure process. Carrington reported in XX/XX/XXXX to all credit agencies we were in foreclosure. In XX/XX/XXXX we received a letter that we owed over {$100000.00} to save our home from being foreclosed on XX/XX/XXXX. I called Carrington immediatly and XXXX told we owed attorneys fees, over $ XXXX in interest along with the behind payments and she could not tell me why we were denied despite the CaresAct. We put our home up for sale and I called out VA rep for help XXXX XXXX XXXX and she called her contact at Carrington. Our VA rep emailed me and told me to submit for a VA Partial Claim Modification again. On XX/XX/XXXX I heard from Carrington through the mail and they asked me to submit paystubs to thier email and they will let us know the approval status. On XX/XX/XXXX we were approved for a VA Partial Loan Mod. I received the documents to signed 3 different times because they spelled my name wrong every time. Buy this time our home had a buyer and we were in contract and could not get out of it. Finally on XX/XX/XXXX I receive the corrected loan docs from Carrington and I sign them and XXXX XXXX them back. Its too late - our home is in contract and we are being threatented to be sued by the buyer and our realtor if we dont sell. we are homeless now! I have faxed and pleaded with Carrington to tell me why all of the sudden we were approved with the same exact documentation from 3 times before and denied. they do not respond.

Company response to consumer: Closed with explanation