BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: SC
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:
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Revco Management, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My mother opened a XXXX savings and checking account as well as credit card and now the bank has opted to no longer do business with me. Now they say I owe {$680.00} and it's being sent by a debt collector. I know I didn't make any charges or use this money they are asking for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
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: Account information incorrect

Complaint:
There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, Transunion and XXXX   and they still said that I was verified, but it wrong because I the open dates also the card limit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-08-29
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance XXXX XXXX through XXXX  whom told me I am approved but needs homepoint to sign the agreement form. After months of calling trying to get assistance I was told the form was signed in XXXX however the XXXX  company stated that homepoint sent the agreement but not the W9 that is required to send back with the perticipating form. I am in fear of foreclosure due to this. The lady that was working on this same compl Said I cant call her about this matter. No one will give me a supervisor name and contact info to get this resolved. Homepoint is saying that they receive payments from XXXX  already for other accounts and dont have to do anything on their end. However XXXX  is saying that is for their sister company not homepoint directly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I kindly request your attention to the following matter. It is imperative that I seek the removal of the inquiries on my credit reports which are adversely affecting my credit file. I hold the sincere hope and expectation that the credit bureaus, namely XXXX, Equifax, and XXXX, will expeditiously eliminate the listed inquiries, as outlined in the subsequent complaints : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am unable to buy a house with a lender because of the delinquent reports on my credit report being reported by capital one. I have paid Off the account with the lender who has reported my account to credit bureau that my account is delinquent. I have asked the lender Capital one auto finance to please take my account altogether off the credit bureaus so the delinquent past due payments no longer showing. They refuse to do so. I have paid them off in full. This seems unfair. Now Im stuck in a dilemma where I cant get finance for a house for me and my sons to have a decent place to live. Rent is all time HIGH and it would be a better financial situation if I was to buy a home. I would like this done so Im able to buy a home for me and my sons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Paypal Holdings, Inc
State: TX
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:
Two fraudulent accounts were opened in my name with Venmo. I requested to have them closed but never received confirmation that the accounts had been closed and are no longer active or being reported to credit agencies in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: General Service Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was billed for {$10000.00} for going to the XXXX  for XXXX pain in XX/XX/XXXX. The hospital settled for {$2500.00} which I paid on XX/XX/XXXX. In early XX/XX/XXXX GSB debt collection agency sent me a notice in the mail that I have to pay {$7500.00} I explained to GSB Debt Collector that XXXX XXXX XXXX had settled with me and that I do not owe anymore to the hospital. I explained this in my email to GSB collection agency and I have attached a copy of the transaction and proof of payment with the hospital on XX/XX/XXXX. I also spoke with Account Manager XXXX from GSB on the phone, on XX/XX/XXXX before sending the email to ask why was I getting a bill from debt collection. She said the account will be cleared if I send the proof of payment to the hospital.. I also spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX and she told me I need not worry because I don't owe and that the accout has been settled. That the hospital will send me a copy of the statement of this account being cleared. I have not received this letter until today XX/XX/XXXX. Yet again on XX/XX/XXXX, the collection agency sent me a letter with an itemized list of charges totalling to hospital acct balance of {$7500.00} and payments and adjustments that I paid for {$2500.00}. This being said, I feel being harassed by the collection agency and that I was scammed by the hospital when they told me they settled but then it appears that I still owe them. I am leery that this is not going to stop and it is interfering with my mental health particularly during this time of Covid and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: PR
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 this means I resort to the help of your agency to solve what to my best understanding the credit agency Expirian to erroneous in my credit report. In my credit report there are several accounts which are XXXX  years old and continue to affect my credit and affect my quality of life and good living in union with my family. These accounts are as follows : XXXX, XXXX XXXX, XXXX where they are closed. 
Expanding this request I inform you that for the date of XX/XX/XXXX my car was repossessed by the XXXX XXXX that this vehicle was never recovered by me. In XX/XX/XXXX the car changed the code to XXXX which stands for Change Of. In XX/XX/XXXX until XX/XX/XXXX it had a code of N-D that means, No data for this period. In XX/XX/XXXX until XX/XX/XXXX I had a XXXX / XXXX code. That the XXXX car was repossessed by the XXXX XXXX in XX/XX/XXXX, that said company disposed of the car and processed it from that date under its responsibility. That all those retracted arrears and code changes were not under my control. Apparently that account was acquired by a second person and the Expirian credit agency seeing their code could not amend their errors where it affects me.

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 2022-08-29
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX continues to allow lvnv funding to reporting an 2 open collections on exempt funds violate the Exempt income protection act an account that is exempt from debt collection should not be reporting an open account or any account this is considered continuous collection on exempt funds and must be deleted at once

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/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 2020-09-29
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:
I have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since 2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.

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 2023-08-16
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX noticed on our credit report a Convergent Outsourcing on behalf of XXXX XXXX past due outstanding payment of {$1400.00}. for equipment. XXXXwe moved into a community that has XXXX internet and cable services, previously we were with XXXX all our services for 21 years. XXXXI contacted Convergent regarding this collection and told it was for unreturned moblie equipment. We never received any mobile phone equipment from XXXX. XX/XX/XXXX they offered us phone service but declined because they changed our 3 phone numbers. XXXX I deactivated the 3 accounts and was given a credit for charges they added to our bundled acct. in the amt. of {$100.00} ( doc. attached ). Speaking with XXXX agent, he told me collection notices were sent to an address in XXXX, ID, which we have never lived/resided in that state. We have never recieved or accepted any XXXX XXXX equipment nor recieved any notices at our courrent address or aware of any outstanding balances owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: TX
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 sent letters out certified over 60 days ago and more than once. I didnt get notified of my results from the disputes and as a consumer i feel like these clowns taking advantage of normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was put on my credit report there is a social security number on my credit report that doesn't belong to me. I don't know if this SS # was used to open this account XXXX XXXX XXXX XXXX XXXX, GA XXXX this debt was open in XX/XX/10 I wish to dispute this debt.

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 2022-08-29
Company: TRUSTMARK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Over the weekend i receive 2 notices from 2 different banks that one account was open and the account is opt to receive over draft protection from Trustmark bank check account ending in XXXX. I called today and the security department closed the account and did advise there was no transaction due to the quick response. I have never done business or heard of this bank. Phone number i contacted was XXXX. The bank is sending me an affidavit so i can file a complaint with the FTC. Thankfully i was able to catch the fraud before it ecalated. 

I received another notification from online bank called XXXX XXXX bank located XXXX XXXX XXXX, XXXX, Fl. XXXX. Phone # XXXX. Someone attempted to open an account in my name from another bank and was not successful. I also reported this as well

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 2020-08-27
Company: I.C. System, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX - I contacted XXXX XXXX XXXX # XXXX spoke to XXXX XXXX he confirmed the Creditor XXXX even had WRONG SOCIAL, DOB only thing they have is my same name. This is not my account I do not have XXXX and have had the same phone service last 9 years! He assured he would take care of this matter and remove from my credit report. I never received confirmation and contacts bureaus. 
Today XX/XX/XXXX I call to check status speak to XXXX XXXX and he says he doesnt know anything he cant do anything but say my information doesnt match! Then remove! This is illegal and doesnt go by the law.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have things on my credit that dont belong to me

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 2022-08-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fraudulent activity on account over a period of 4 months. Activity was not noticed as fraudulent due to the payment being listed under " XXXX '' in which I currently have an active credit account. I was able to review my active XXXX XXXX  account in which there was no correlation to monies being taken from my Wells Fargo being added to my XXXX XXXX credit account. Initial activity noticed on XX/XX/XXXX in which Wells Fargo was notified. I was able to go through my account statements and activity and noticed an ACH withdrawal for the amount of XXXX on the following dates. 
XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Wells Fargo was contacted with this activity in which all related dates were canceled and placed on " stop payment ''. Total amount of fraudulent activity was {$4.00}, XXXX taken from my account with knowledge or approval. The Wells Fargo rep stated the reference numbers used for the fraudulent ACH withdrawals were not common XXXX XXXX  reference numbers used. As of XX/XX/XXXX I contacted Wells Fargo to discuss the status of the claim in which I was informed denied being that transactions were not reported " promptly ''. This is egregious being the amount of funds stolen from me in addition to it being in fact confirmed fraud and will not issue a refund. I have been a Wells Fargo customer over 10+ years this is appalling especially when it is documented your funds is insured with them in the event of fraudulent activity. Its even worst they are not even try to compromise at least a portion of the monies taken!

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