BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-18
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no documents to attach because there are none in existence. This is not my debt and has never been. Approximately XX/XX/XXXX, I received a credit alert from one of the reporting agencies. I immediately looked at my reports to find a collection agency placing a account. I found out who the alleged original creditor was and contacted them as I currently have an current open account with them. When I contacted them I inquired why my account was sent to collections. They told me that my account was CURRENT and I had NO PAST DUE BALANCE! I asked them to please look back to the inception of my account to positively make certain I did not owe any past due amount. They verified that there was no past due balance and also stated that there could be no past due balance since any amount not paid would be added to the next billing cycle. I already knew I had no delinquent amount with them, but wanted to make 100 % certain. I filed a dispute with XXXX  on XX/XX/XXXXand on XX/XX/XXXX this account was DELETED. It was then reported to XXXX. Additionally, I never received any notice from XXXX XXXX XXXX XXXX. that an account under my name was placed with them. They listed the open date on my credit report as XX/XX/XXXX ; IMPOSSIBLE since I contacted the original creditor on XX/XX/XXXX and verified I had no past due or account placed for collections. I did receive a letter from XXXX XXXX XXXX   datedXX/XX/XXXXsaying they investigated my dispute and will report their finding. This is a complete violation of FCRA 623 ( a ) ( 5 ) ( A ) and CFPB Appendix E to Part 222. They have not supplied me with any physical evidence of this alleged debt. They delete it from one reporting agency just to report it to the next. What are they agency hoping? This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX XXXX. make up fake accounts and report them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed? I am also going to file a complaint with the Arizona Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all!

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Shared with out consent, credit inquiries from unknown soucres. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: U.S. BANCORP
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They called saying I had a US Bank credit card that was charged off in 2015. They had some of my PII and were threatening court case. They wouldn't let me contact the owner of this said debt. I never received any communications from this and never saw this on my credit report in the last XXXX  years. Either this was a scam or was opened fraudulently in my name.

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 2023-09-18
Company: EQUIFAX, INC.
State: PA
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 DONT RECOGNIZE THESE ACCOUNTS 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 2023-03-26
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Dear CFPB, For the past 2 years, I have continuously disputed the inaccuracy of various items being reported within my consumer profile with Lexis Nexis. Lexis Nexis has always verified the disputed items as accurate. I have even submitted proof of the inaccuracy information and Lexis Nexis refuses to correct or remove the inaccurate information being reported against me. I have now come to you for help with this problem. Lexis Nexis reports me as being a female when Im a male, they report me as being a SR when I have no children named after me as well as incorrect addresses and unverifiable public records information. I am afraid that Im a victim of a mixed or merged credit profile. I have conveyed these concerns in writing to Lexis Nexis and they continue the o report the inaccurate information. For example, the public record is listed in my consumer report but has another persons ( XXXX XXXX XXXX ) as the listed person under the bankruptcy section. This is a violation of the FCRA. I am asking for the immediate removal of all public records and a {$1000.00} fine per inaccuracy being reported. 

I am also requesting that Lexis Nexis Please send an updated consumer report with the updated information within 30 days. Failure to do so will tie my hands to file court action with the Federal Court. 

I am also attaching proof of my current address as well as proof of the inaccuracy public record being reported. 

Respectfully submitted, XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX. 2021, I called Loan Depot ( loandepot.com ) to inquire about streamlining refinancing of my existing FHA loan with the option as stated in the FHA/HUD guidelines of not credit qualifying, as my credit score is low. While it has come up over 50 points in the past year, I continue through COVID working hard to get it up even further but have an opportunity to save at least {$450.00} a month with a refinance given the current interest rate market. I meet all the other qualifications to refinance. I spoke with XXXX XXXX, XXXX ID XXXX. I explained the situation precisely, what I was looking to do and that I had credit concerns. he acknowledged an understanding of how the FHS streamline refinancing works, stated that Loan Depot can help me, and started the process of starting an application. He couldn't find me for whatever reason and asked for my ss # as an identifier which I provided. He then without asking or telling me, ran a hard pull on my credit. I was made aware of that through the credit monitoring service ( XXXX ) I use. I asked him why he pulled my credit and she said he did it to identify me. With the pulled report, their system showed no options for loans and it appears they don't do FHA streamline refinancing or don't understand them as he originally indicated. I asked if he could somehow reverse the inquiry as he had no permission to do so and he never responded, after multiple attempts. Most of our back and forth including the entire exchange with pulling credit was done by text and the transcripts are available. If I could not be helped, that is fine. But, I should not leave in wore shape than I came to them in. Bad Business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to the Bureaus on XX/XX/XXXX regarding the XXXX XXXX XXXX. This item is outdated and needs to be removed from my credit profile. According to the FCRA negative and closed accounts can remain on a credit report 7 years after the date of the first delinquency. According to my records this account became delinquent XX/XX/XXXX it is now XX/XX/XXXX this account is outdated and needs to be removed from my credit report. As a consumer I have the right to a credit report that is 100 % accurate. XXXX, Equifax, and XXXX all have guidelines that they must follow according to the FCRA. I have also reached out directly to the original Creditor about this matter. I understand that mistakes can happen but I expect each Bureau to make this right. Removed this outdated account from my profile. I am in the market for a new home and my credit report is important to me. I expect each Bureau to remove this outdated account from my credit profile IMMEDIATLEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and XXXX data breaches. I filed a claim with XXXX and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX {$2700.00} XXXX XXXX XXXX  XXXX {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: DISCOVER BANK
State: CA
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 submitted case # XXXX to the CFPB regarding illegal actions Discover Card has engaged in regarding a dispute on my account. The response from Discover Card was false and fraudulent and did not address the full complaint. I have now requested the information for the Agent For Service of Process 7 times from employees in the Executive Offices at Discover card and have been refused a response. Discover card seems to think they are above the law in this case and needs to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 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 XXXXXX/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 2022-04-29
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: Personal information incorrect

Complaint:
Ive sent multiple disputes to the credit bureaus in regards to my addresses being incorrect which have been ignored just like the letters that Ive sent to them from XXXX. The following addresses need to be removed because Ive already been a victim of identity theft & this doesnt need to happen again. As a result, I have multiple charge offs on my reports that do not 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 2019-11-18
Company: Automated Accounts Management Services
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt in question being sought after by AAMS was illegally obtained without my written consent. This company got a hold of my protected health information which is a violation of HIPAA. They have my XXXX XXXX that I had done, they also have the symptoms I was experiencing at time of treatment and the treatment I had done. I never gave the hospital permission to share this information with anyone. The company that is attempting to collect on this debt has also released my private health information to the credit bureaus which I also did not give permission for. I want this debt removed from my credit file and I want my health information to stop being passed around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX It's showing that I have several late payments. But here 's the thing, these late payments that have been posted and reported are all incorrect and are a violation of the FCRA. Please cite and review the documentation that has been uploaded as evidence of their reporting agencies ' violations, which displays their lack of respect for the laws that protect the consumer. 

The malfeasance and disregard that these reporting agencies show to the consumers is disgusting and needs to be checked. These crooks are violating the law and getting away with it and it's unfair and very hurtful to me and my social standing. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Alleged Charged off account XXXX Bank of America is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute which accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by this company on XX/XX/2021 I am yet to receive a response from them, yet this alleged charged off item is still on 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 explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2018-06-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from Equifax and nothing is done I am legally XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a used vehicle and financed it through Westlake Financial Services. The loan amount and the interest rate do not calculate to the 40 % interest being applied to some payments. I've overpaid my monthly payments to the sum of {$2500.00} in 5 months and only {$1300.00} has gone to principal at 11 % APR. I called Westlake Financial and was put on hold then disconnected. I called again and was to " just consider what's not in the contract, there is a $ XXXX charge for interest. '' At this rate, with an XXXX APR, I will pay almost $ XXXX on a $ XXXX loan. 

Please advise.

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 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is a follow up to my original complaint that Capital Once closed my account and reported me late XXXX due to an issue on their end! Each time I called they say too bad and nothing can be done. I know I have been wronged here so I filed a compliant and Capital One came back that they were working on it. That was simply not true and was told the same thing. It went to another department and they looked at it and said NO. I never even got to explain my side and how this is hurting my credit rebuild. They didn't care and are so wrong here and have harmed me as the consumer for some XXXX XXXX and XXXX  policy without looking at the real issue. This is so wrong and want to know my options since this big XXXX  is bully me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
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:
We refinanced our mortgage with XXXX  ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on XXXXXXXX XXXX  end, we asked our bank XXXX XXXX XXXX to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided

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