BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: Convergent Resources, 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:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

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 2023-01-20
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:
I am writing to dispute these charges and inquiries on my report, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. I am a victim of identity theft and I did not authorize or make these charges or inquiries on my report. I am requesting these charges and inquiries be removed and I be provided a corrected report 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 non-monetary relief
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: AL
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatoiy items on my credit histoiy. I then decided to pull my credit and I noticed several unknown items. 08 XXXX XXXX XXXX XXXX XXXX 10 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. 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. Please remove these fraudulent accounts from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, my name is XXXX XXXX XXXX I am a victim of wells Fargo foreclosure suit. I had a mortgage with Wells Fargo and they did not modify my mortgage to avoid foreclosure. 

They didn't allow me to put the owed amount on the back of my loan and told me I had to get out... Ultimately causing me to have to foreclose on the home. 

Here is my personal information to reach me XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX If you need any further information, please feel free to contact me via phone number above or via email. 

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 2020-06-13
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:
This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the XXXX  data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.

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 2023-05-29
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX  XXXX XXXX XXXX15 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported, as their presence constitutes a direct violation of the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ). It is imperative that these accounts and information are promptly removed from my consumer report to rectify the violation of these laws. I urge you to take immediate action and eliminate these items without delay.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: VA
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 explanation
Consumer complaint received 2023-05-28
Company: Allen & Withrow
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, I had an opened letter in my mailbox asking for a change of address for service purposes. It was not in an envelope. It was wide open for anyone to see my personal business. I have already responded to this attorney regarding this debt, and I find this tactic ignoring my right to privacy and protecting my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-06-13
Company: GOLDMAN SACHS BANK USA
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX previous complaint number. 

This issue was to be fixed after be restricted for 6 months. 
Still can not use card. Tried to make a charge and declined twice. Contacted Apple Card after about half hour and a few different people no one knows anything or could fix it said they would work on it. Still not heard back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CPBC Abuse of MIDLAND CREDIT MANAGEMENT. 

I called MIDLAND CREDIT MANAGEMENT ON XX/XX/2019 to inquire about the negative they placed on my consumer file. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that have on file on the account listed below.

{$1100.00}.

During my call, the phone was transferred to a staff of MIDLAND CREDIT MANAGEMENT named XXXX, and in the course of our conversation while I was making inquiring she called me a an XXXX '' and told me to send her a copy of my social security, and for asking too many questions and hung the phone one me. The time of the conversation was CST at XXXX. I want the verbal abuse to be investigated. 
According to the Consumer Protection afforded by FDCPA section 806. Collection agency are liable to a fine of {$1000.00} if they use any kind of harassment or abuse. MIDLAND CREDIT MANAGEMENT have abused me.

MIDLAND CREDIT MANAGEMENT has not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe MIDLAND CREDIT MANAGEMENT. I therefore demand a thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau. or have any contractual obligation to pay them.

I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: GA
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:
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S.C 1681C { a } { 5 } SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OR INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

15 U.S.C 1681s-2 { A } { 1 } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE 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 2023-03-06
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2021-02-12
Company: WELLS FARGO & COMPANY
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Wells Fargo Card Service and XXXX XXXX. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-12
Company: Atlanticus Services Corporation
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: Account status incorrect

Complaint:
XX/XX/XXXX XXXX statement generated for the amount of {$200.00} due XX/XX/XXXX. I made a {$500.00} debit card payment on XX/XX/XXXX. I checked my XXXX credit report on XX/XX/XXXX and noticed Fortiva credit card monthly status reflected " late ''. I spoke with a Fortiva representative that day and the conversation goes as followed : Myself : " why is the company falsifying that I was late 30-days for the month of XXXX if in fact I made my payment 6-days past the due date not 30. '' ( In addition, made another payment of {$75.00} XX/XX/XXXX. ) Representative : " our billing cycle generates on the 15th of each month and is automatically reported to the bureau. Since you made a payment of {$500.00} you don't have to make a payment for XXXX. '' Myself : " come XXXX once the billing cycle generates again then the month of XXXX and XXXX should reflect as paid and in good standing. '' Representative : " yes. '' This incident did not sit well with me so I contacted my financial advisor and she recommended me to this site to file a complaint. I am in the process of trying to purchase my first home and this particular incident is impacting my credit score and can potentially hinder me from being approved for a mortgage loan. 

Thank you for your time, patience, and effort

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Statebridge Company
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been contacted by many debt collectors about this same loan from XXXX. I know XXXX people cant possess the same loan and ask for payment. I believe I am a victim of mortgage fraud or extortion. XXXX XXXX is representative for XXXX XXXX XXXX XXXX XXXX XXXX. He is also representative of XXXX a company that has been claiming to have acquired the loan prior to XXXX XXXX. He has reinvented himself with XXXX XXXX and is now foreclosing on me for a debt he says is expired and does not own. He claims I defaulted on this loan in XXXX. I never had a loan with this company. He even has a servicer with a bogus loan account. He has not substantiated his claim by producing any bank statements or ledgers. He has not verified or validated the debt which he says is expired. He is attempting to extort me for {$250000.00}. He has me in court attempting to force a modification. I believe XXXX XXXX is the sole person attempting this fraud. I have filed a claim before but no resolution was given by him so the claim was closed but now he has found another mask to hide behind. He has also admitted that statute of limitations has expired on this loan in previous letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I submitted letters to Equifax asking for validation of XXXX debts ( XXXX XXXX XXXX and XXXX XXXX ). This was my second request, I also asked that unauthorized inquiries be removed. I also included copies of my state issued drivers license and social security card with the letters. In XX/XX/XXXX I received correspondent back from Equifax requesting I send copies of my identity which would include a state issued ID card and social security card. During the month of XX/XX/XXXX I also was informed that a XXXX XXXX XXXX XXXX was being frozen because Equifax sent the company copies of my identification and notified them that I was disputing this account because it was fraudulent. This would be contradictory to Equifax reporting to met that they do not have copies of my identification and this is also incorrect information being furnished to XXXX XXXX. I did not dispute the account and Equifax does not have any correspondence from me that would suggest such. The inability to use this account has been an inconvenience.

Company response to consumer: Closed with explanation