BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: Convergent Resources, Inc.
State: NJ
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:
I have repeatedly tried to handle this situation with grace and elegance but this company just does not seem to care! 

NOT ONLY DO THEY NOT CARE THEY ARE NOT EVEN LEGALLY AUTHORIZED TO COLLECT IN THE STATE OF NJ Attached is all correspondence with this company! They did responded my letter I sent back in 2021 but with no information verifying the debt! The did not give me a contract with THIER COMPANY WHO IS COLLECTING! 

Exhibit 1,2,3 & 4 will be attached Upon checking XXXX consumer this company is wrongly collecting in the state of NJ

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 2023-08-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Balance : {$93.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXXXXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  XXXX XXXX XXXX Account Number : [ XXXX XXXX XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NC
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:
TO WHOM THIS CONCERNS I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

These accounts and inquiries are not done by me. 
INQURIRY- XXXX XX/XX/2022 ADDRESS- XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX {$200.00} **THESE ACCOUNTS ARE NOT MINES ** XXXX XXXX XXXX XXXX- {$200.00} XXXX Date opened XX/XX/XXXX XXXX XXXX Account type Collection Account- {$200.00} THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX, XXXX GA, my current address nor job XXXX 
My address is XXXX XXXX XXXX XXXX XXXX NC XXXX. 
And my job is XXXX XXXX at XXXX XXXX XXXX. 
Phone Number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The issue is a {$15.00} charge-off I was not notified about from this credit union, and when I was sent a letter it was about my credit card payment. 

XXXX XXXX sent email saying contact her XXXX XXXX XXXX XXXX sent email about my 30 days late credit card XXXX XXXX -I made the payment immediately XX/XX/2023 of XXXX ( Have proof of payment amount sent ) -Letter of delayed payment sent to XXXX XXXX XXXX XXXX, Stating that , that was a mistake in payment XXXX XXXX ( collections manager ) removed the payment -XXXX  XXXX Unexpected Charge-off on credit report, Never notified of this from the credit union, If I was notified, I would have been made payment because I am running a business and need the funding for my business to continue operating.

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 2023-07-06
Company: EQUIFAX, INC.
State: CA
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 have submitted multiple disputes across all XXXX credit bureau 's and have not received a response. it has been 3 months since I filed my initial complaint. All I ask is that these fraudulent transaction be investigated and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an American Express XXXX card on XX/XX/2022 and was denied credit based on my XXXX score. I responded back to American Express 's denial letter with an adverse action letter explaining to American Express according to the Equal Credit Opportunity Act adverse action is against the law and can be found in 15 USC 1691c and is pursuant to civil liability under USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXXXXXX, dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. However, I want to emphasize that this account is not mine and has never belonged to me. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.

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 2023-07-05
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-04
Company: EQUIFAX, INC.
State: TX
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:
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 Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 an affidavit to the credit reporting agency back in XX/XX/2021. I never got any response from them regarding the affidavit and will attach supporting documentation submitted. Since there was no response then the credit reporting agencies are now in default.

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 2022-03-15
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: Account information incorrect

Complaint:
You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXXXXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 
7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
The problem is with the Santander Bank acct # XXXX. this is a joint checking account with my XXXX XXXX XXXX XXXX whom XXXX on XX/XX/XXXX. I tried to close the account and was told it could n't until the estate had been settled, fine, the problem is that they deducted since XX/XX/XXXX a {$16.00} a month for '' inactivity fee '' I want that money to be reimbursed into the account until the estate is settled and I can withdraw the full amount.

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 2023-03-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Respected Officials, WellsFargo has closed the case XXXX which was opened to make them accept {$12.00} as account fees. They have closed it saying that no fees are required because I have fulfilled their need. However, they have attempted to deposit cheque sent as compensation into my account despite the fact that I have stopped payment on it. 

Now they are charging {$12.00} as fees for that from me. 

If it was a wellsfargo cheque that had been stopped by me due to their reply, they must not deposit it into my account and charge fees. 

The following deposited checks have been returned unpaid. As a result, we have deducted the following amount {$12.00} from your account XXXX. 
Date Reason Check number Amount XX/XX/XXXX  Stop Payment XXXX {$12.00} I sent another cheque from my business checking account and that has been cancelled based on their response and the cheque number is different on that. 

Thanks

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 2016-02-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please Compare the Escrow Statement dated XXXX to the Escrow Statement dated XXXX - as well as the XXXX Billing. You will see three different monthly payments, wildly altered Escrow statements and fraudulent late fees being charged, but they not applied. 

1. Increasing escrow monthly payments based upon erroneous and fraudulent projections totally XXXX per year when escrow expenses historically for 10 year old mortgage avg. XXXX year. 
2. Refusing to re-figure escrow analysis and projections. 
3. Charging late fee 's but refusing to apply late fees to monthly mortgage payment, resulting in classifying said monthly payment as not yet satisfied. 
4. Hanging up when asking to speak to supervisor. 
5. Fraudulently and willfully omitting previous years escrow account balance in year end statement, thereby creating justification for escrow projections of double for current year ( i.e. Escrow account had XXXX balance, Carrington said it was XXXX, and therefor projected I needed XXXX more over the next year in escrow on top of the already XXXX my monthly payment included. ) 6. Reporting to credit agencies mortgage is 2 months or less behind when in fact the payments were made on the XXXX of the month it was due - fair credit reporting act violations. 
7. Willfully and knowingly lying to me that the FHA does not allow a homeowner to cancel the MIP portion of the loan. This is blatantly false. When confronted and forced to address the written law of FHA MIP requirements Carrington refuses to release the amortization schedule that they use to figure when my loan will be at 78 % equity. 
8. Willfully and knowingly refusing to release a current escrow analysis statement explaining why my monthly mortgage payment has more than doubled in the 9 months since they purchased my loan from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CBC Companies, Inc.
State: CT
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:
ON XX/XX/2022 a hard inquiry from " Factual Data '' appears on all 3 of my credit reports, " factual data '' claims they did not initiate the inquiry, XXXX XXXX did, and the credit bureau can use either name. 
I never gave " factual data '' permission to put a hard inquiry on my credit report and I certainly didn't give XXXX XXXX  permission to allow factual data to pull my credit and leave a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My consumer report is filled with numerous errors, these account needs to be removed due to FAIR Credit reporting acting. 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I'm XXXX XXXX, XXXX, ( XXXX ) XXXX. XX/XX/22 I called Merrill Lynch to close my XXXX of {$35000.00}. I need it for another investment, so I closed it early. This was the sole reason for closing it, and I paid Capital gains tax of 20 % plus I will need to pay the penalty, which I expected. So on XX/XX/22 all was good, the agent informed me I would receive the check in 5 to 10 days. No check came. XX/XX/22 I called and spoke with XXXX XXXX, he informed me the first agent gave me wrong information. It should be 7 to 14 days. I said ok, then still the check should be here, he agreed. He informed me I can wait for the first check or they can stop payment the cut a new check, Taking at minimum another week. As I stated I needed my money for another investment, I negotiated the new endeavor according the the time frame these agents gave me. No check. I called XX/XX/22 spoke with XXXX XXXX ( quite rude, but doesn't matter ) He gave me the same options. I explained I will lose the new investment if I don't get it. Nothing so I asked for a supervisor, XXXX XXXX refused to give her last name ) she asked to wait a few more day. I agreed if she would call me on XX/XX/22. She agreed. No phone call, no check, will lose investment already put down, pay taxes and penalty because they gave false information.

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