BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require )., I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-05-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to EQUIFAX INC. In the form of an affidavit on XX/XX/2022 via Priority Express Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX EQUIFAX INC. Upon receiving this information I drafted another letter and mailed it out to EQUIFAX INC. as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX I called EQUIFAX on XXXX XXXX to inquire about the notice that was recieved and EQUIFAX INC. stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, EQUIFAX recieved a second Notice of Default which was signed for by the same individual. I called EQUIFAX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. EQUIFAX INC. stated to me again that they have not received any documents from. 
EQUIFAX INC unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize EQUIFAX INC. to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello, I walked into Truist today to have my mortgage documents renotarized and was met with XXXX and XXXX  discrimination by the service rep who denied the opportunity to have my mortgage documents renotarized for processing when they notarized the first copy weeks back. This bank is perpetuating housing discrimination against immigrants and people of XXXX. There was no policy provide to state otherwise. Their practices are disgusting to the public and as a account holding consumer.

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 2023-08-05
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this about the account with convergent outsourcing. The dispute results that were sent to me were not what i asked them to correct. I requested the account to be deleted from collections because one of their representatives whom I called and spoke with falsely reported their company would remove the debt from my credit report if I agreed to pay the settlement payment which was agreed to. But the debt is the still on my credit report. So, my complaint is I was lied to and promised something that I was trying to do in good faith. I know the phone call was recorded and would and it will have the entire conversation on that day. I would like them to present it to your company so you will hear exactly what was said. it will let you hear the young lady i spoke with promise to delete the account if i paid the settlement. I did exactly that. But the account is still listed. This is false representation and deception to the consumer who has trusted these agencies and is trying to do what is right to resolve issues on their 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 explanation
Consumer complaint received 2021-10-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a registered business in the state of Georgia and have several business accounts with Wells Fargo for a long time. Recently between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent and unauthorized ACH debits from several of my business accounts and one personal savings account totaling {$190000.00}. We reported to the bank immediately and they did put money back for some small debits into some accounts but there are still approx. {$160000.00} of fraudulent debits they have not refunded. They have told me that the case is closed and they can not do anything with the above money. Wells Fargo does not have a specific person who is accountable and responsible to solve the above problem. They simply want me to go away. I have been a loyal customer for them since XXXX and have several business accounts and personal accounts with them. I need some serious help with the matter to avoid bankruptcy.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian has erroneously reported a XXXX account to my credit report when it is under legal investigation with a law firm. Over 7 letters have been sent between me and the law firm. XXXX and XXXX have removed this account and do not report on it. Experian refuses to investigate further and asks the creditor if the account exists. They violate the following : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX The Fair Credit Reporting Act ( 15 USC 1681 ), in conjunction with The Fair Credit Billing Act ( 15 USC 1601 ), states that when the alleged debt is in dispute and the debtor is represented by an attorney, the creditor may not report the debt as delinquent.

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 an 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 or 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 explanation
Consumer complaint received 2022-05-29
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I had a credit card balance of {$5500.00} with Citibank, which went into collections and was pursued by a servicer named XXXX XXXX XXXX. After receiving an offer to settle the debt at 60 % of the principal balance, I made a payment of {$3300.00} on XX/XX/XXXX. Despite this, my credit report incorrectly shows that I still owe a balance of {$2200.00} to Citi. 

XX/XX/XXXX : I received email from XXXX with debt settlement options ( " Settle your account now for a lump-sum payment of {$3300.00}. That is a savings of 40 % on your outstanding balance! " ). *** Attached file " XXXX - Debt Settlement Offer.pdf '' *** XX/XX/XXXX : I called XXXX to setup payment to settle debt at {$3300.00}. Payment was deducted over the phone, and the representative confirmed that the debt has been resolved. I requested a letter to be mailed to my address confirming the same. 

XX/XX/XXXX : I viewed my credit report on XXXX and it shows that I still owe a balance of {$2200.00} to Citi. This directly contradicts XXXX 's letter of intent to settle and their statements during my communications with them. ** Attached file : " XXXX  credit report - Citi bal.pdf '' The information reported is clearly inaccurate, and contradicts all correspondence I've received from the collections agency. Beyond any doubt, either the collections agency has lied, or the credit bureau 's reporting is inaccurate. Please help me address this issue.

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 2023-03-20
Company: Experian Information Solutions Inc.
State: VA
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/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from Experian that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

Experian is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

Experian is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft Experian is also violating Section 605 B 15 U.S. Code 1681 C-2 Experian was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and Experian still has not removed the accounts from my report Experian is also violating 15 U.S. Code 1666

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 2022-05-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. sent a debt valadation letter no response violation of 15 U.S. Code 1692g ( b ) Collector must cease collection efforts until debt is validated Validation of debts proof letter was sent certified mail and signed for proof in the attachments 2. all three credit bureas and this company continue to furnish inaccurate information after being warned violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. this account was closed should be closed but the account status shows open a collection account law clearly states must be 100 percent accurate and i never gave written consent to furnish anything on my report also this company is not registered with the DFPI PURSUANT TO THE CALIFORNIA NEW ACT ( DCLA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I sent XXXX On XX/XX/2021 another XXXX On XX/XX/2021 XXXX On XX/XX/2021 XXXX To a bank account under the name XXXX XXXX XXXX XXXXXXXX for a fix and flip investment that never happened, under an agreement that the money would be returned upon 60 days. It never happened and the owner XXXX XXXX XXXX just wont return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Back on XX/XX/2022 I sent a 2nd letter to Experian Credit Bureau to remove my old addresses from my Experian Credit Report. My old addresses still appear on my report. USPS tracking number XXXX Experian stated they properly investigated my dispute, but how is that possible when all these ld addresses still appear on my credit report This grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions

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 2023-08-30
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a notification my credit rating dropped on XX/XX/2023. When checking, Synerprise Consulting hit my credit report with a collection. I called Synerprise Consulting and asked what this was about. The woman I spoke to said she would immediately send information and details of the alleged debt. No information has been shared and Synerprise Consulting has reported this negative collection again. I have sent Synerprise Consulting to the complaint department as well as disputed with all credit reporting companies. I have reviewed my Wife 's and my medical accounts, XXXX, XXXX, and doctor offices and no balances are outstanding nor sent to collections. This is a false reporting by Synerprise Consulting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Try to dispute 3 accounts thats have been settlement and the company have not interest in these accounts. These accounts are XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. These accounts still affecting my credit report and credit score. Im a XXXX veteran that wants to by his first home and this accounts are restricted me from doing it. I have try to get them remove from XXXX, XXXX and Trans Union with no results. I did send them letters wrote down and they didnt do anything.

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 2023-03-20
Company: Experian Information Solutions Inc.
State: DE
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:
Received an Alert from Experian on XX/XX/2023, stating that " Nice Job paying off your Loan- your account was last reported as having a Loan Outstanding, but now it's showing as paid with a Zero balance. 

XXXX XXXX XXXX XXXX has reported Positive Activity : Loan Paid. 

On the SAME DAY, Experian gave me a 'Credit Rating Decrease '' I don't understand how a customer can payoff a auto loan and have their credit score drops XXXX POINTS.

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 2023-10-02
Company: Experian Information Solutions 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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