BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: Convergent Resources, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Informatio In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; it is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the Online servicing collection agency and paid my debt, in the amount of {$500.00} confirmation # XXXX, The company has yet to update my credit report. Furthermore when I disputed the trade-line with the credit bureaus they reported the debt as legitame even though it has actually been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Wells Fargo never opened an investigation on my mortgage fraud claim. 
The documents were sent certified mail on XX/XX/XXXX outlining the arrest and indictment of the XXXX XXXX XXXX  employees who processed my original loan.Wells Fargo received the information and never took any action getting my side of the story. 
In those documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX case no. XXXX XXXXXXXX. 
XXXX ) A letter outlining what had already taken place in my foreclosure case. 
XXXX ) Forensic Loan Audit Documents. 
My Foreclosure started XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
It continued until XX/XX/XXXX. 
Wells Fargo is guilty of creating insurmountable embarrassment for me and my family. 
Driving by and taking pictures of the house over XXXX times, my neighbors noticed over the years and they started gossiping about us. Our credit and reputation have been ruined because of this for the past 15 years. It led to our divorce and the decline of our physical and mental state of mind. 
Someone contacted our police department and my house was subsequently put under investigation for criminal activities I felt as if I was being watched by everyone. 
I can prove my family and I were victims of a Criminal Enterprise that started at XXXX XXXX  and ended with Wells Fargo. 
Wells Fargo knowingly continues covering up this case to avoid a lawsuit. 
I'm looking for an Attorney to take my case to court if needed. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a Blockfi account on XX/XX/XXXX. I have a checking or " wallet '', a savings or " interest account '' and a credit card with this online banking service. I'm concerned that I have not received a withdrawal I made on XX/XX/XXXX yet. It's been several business days. 
I'm also concerned about my interest account, the company is in financial distress from the XXXX bankruptcy. I have an inclination that customers funds are being misused, a similar case to XXXX. 

I'm concerned about my interest account and the investor wallet ownership in cold storage ( offline ) and how those wallets are in my name in cold storage and not to be used to satisfy secured creditors if bankruptcy comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have checked my report thru the monitoring service and see several items that are NOT MINE and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information off of my report being from reading here this is damaging my scores and I want it removed from my credit report being I know nothing about these items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Phoenix Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XX/XX/XXXX from Phoenix Financial XXXX XXXX XXXX, IN seeking to collect {$69.00} from me for services rendered back on XX/XX/XXXX - almost 10 years ago. I had paid my medical bill in full. This issue also past the statute of limitations for medical bills in XXXX Phoenix was told to cease and desist this practice back in XXXX, but continues to try top take advantage of senior citizens. Thank you for your work to combat these deceitful practices!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: KS
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:
My identity was stolen and there were Three XXXX XXXX inquiries and one XXXX XXXX XXXXnquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint

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 2022-11-19
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:
checking my credit report with Equifax a lot of information is invalid. I am interested in disputing all incorrect information to fix my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I purchased a plastic door bin for my refrigerator. I ordered it online and paid XXXX the amount of {$120.00}. The item arrived broken. I returned the item to merchant, see attached return receipt. XXXX refused to refund or replace the item. I filed a dispute with credit card co. XXXX claimed that I received the item in good condition. Credit card XXXX denied my dispute. Why would I return an item if I received it in good Condition '' and how would merchant know the condition of the item that I received. The plastic door bin arrived broken. It was packaged improperly. I don't have a door bin and merchant has my money. My credit card company has refused to make this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of XXXX XXXX XXXX, and I need you to remove the Discover Credit card from my credit report please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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:
Account XXXX XXXX Santander ( has been incorrectly reporting excessive amounts of repossession on my credit report. I have attached a screenshot showing three repossession on one vehicle when it should only be one for XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX. Under the FCRA Section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Old information reappears or never goes away

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 that a consumer reporting reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the 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 2022-11-19
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I feel Like my lender took advantage of me and took out a loan on the car that way exceeded the value of the car. Financed it at a very high interest rate with extremely high fees. Im unable to refinance my car after multiple attempts. They were definitely not looking out for me when I took out the loan. I feel like its predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: DISCOVER BANK
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:
I received a refund from the merchant, see attached refund receipt. Credit card coXXXX has not refunded back to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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: Investigation took more than 30 days

Complaint:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Credit Karma, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Registered prior to an account at CreditKarma.com. Claims to be a FREE credit SCORE site. Reset my password yesterday XX/XX/XXXX. Site - Requested my social security number last 4 digits, birth date, address and name. Never been able to access my credit scores or log into the site since : it immediately and 24hrs later just fails to load/ gives a " too many redirects site not accessible. '' There is no telephone support so I emailed customer service via their website. The email reply from service received today XX/XX/XXXX then asked me to fill out the help form on the site. I did that - again there they ask for the prior details ( " in order to quickly access your account and get a faster response. '' ) Today I then get a further customer service email from that, saying we need you to email us c copy of your drivers license or state ID in order to further resolve your access to log in to get your score. I sent an email refusing to do so. 

I have since found on their website many complaints about the site being fraudulent/ asking for social security numbers in order to access info etc etc - yet never then providing it, website " broken. '' The Q & A has ZERO responses to many of the complaints filed by customers and instead the " replies '' were posts that I myself have never done, but were displaying my user name as a reply to the complaint with a generic technical answer that is some jargon on their website. This site is fraudulent. CFPB needs to be aware - since its seems to have good reviews on the XXXX XXXX - it is misleading. Please try and access the site for yourselves, register and verify this - as well as search and view the many complaints of fraud from other clients. It is very dangerous, since it seems legitimate - and it requests and is therefore getting very sensitive client information including state IDs. licenses, birth dates, full addresses, emails etc etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: GA
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 have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXXXXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. 

I have attached drivers license, Social Security, card, and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NC
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:
I am a victim of identity theft please remove this fraud inquiry from my 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 2022-11-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, this company received my request for validation via certified mail ( tracking # XXXX ) although I have never spoken to anyone at the company about this alleged debt via phone nor mail. However, this debt appeared on my credit report which prompted my request for validation. I never received any correspondence from the company about my request. 

On XX/XX/2022, this company received a second letter via certified mail ( tracking # XXXX ) stating that they failed to respond to my request for validation. I explained that their silence is a violation and I requested that they remove it from my credit report. However, this company is still reporting this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 request that the late payment be removed from my account as I have consistently made on-time payments for this account. It is unacceptable to see this inaccurate information on my account. I have provided the necessary documents for your review.

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 2023-07-19
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I am having extreme difficulty making my student loan payments for Sallie Mae. They have recently taken me off their graduated repayment plan and are not offering another payment option. My payments went from {$320.00} to {$430.00} a month. I reached out through their helpline countless times in an attempt to reduce this payment. Each call ended with them telling me there is no other option. 

Please help me with this situation. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
In XX/XX/2023, XXXX  XXXX had a security breach and my information was part of that breach. I signed up for XXXX immediately after, so XX/XX/2023. Today, XX/XX/2023, I received an email from Capital One approving me for a Venture Rewards card with {$10000.00} limit. I did not apply for this card. I called Capital One and reported it as fraud the person who applied for the card used my name, phone number, email, and address ( all leaked from XXXX XXXX ) so the person at Capital One asked me if I was sure I did not apply for this card or someone who is authorized to act on my behalf did not apply for this card. I can confirm I did not apply for this card. Also, the home phone number of the card is not my number, I assume it's the fraudsters.

Company response to consumer: Closed with non-monetary relief