BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice on an account that wasn't mine. Was for XXXX XXXX service starting in XX/XX/XXXXand ending in XX/XX/XXXX at an address I never lived at and the name on the account was similar to mine but not me. XXXX XXXX has confirmed that it was a case of mistaken identity and that they never provided the collection agency with my social security number. I mistakenly provided that information when I called to inquire about the collection, so now they have my social and insist that XXXX XXXX   provided it to them and I must pay the amount. XXXX XXXX XXXX fraud department told me that were attempting " Skip Tracing '' to collect since my name is similar to the one on the past due account. Problem with that, the past due account has a female 's name and I'm a male. I called the collection agency twice in 2 days, they insist it is me and that they never " Skip Trace '' and I'm responsible for the past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I moved to the US with my family in XX/XX/XXXX. As XXXX  without any credit or rental history, our apartment application was accepted with increased security deposit ( exhibit XXXX ). We paid the security deposit on XX/XX/XXXX using a cashiers check through Chase bank ( exhibit XXXX ). After XXXX year we decided to move out from this community. The community did not find any damages and hence on XX/XX/XXXX they sent us a notice about returning the security deposit minus remaining utility charges, totaling {$3000.00} ( exhibit XXXX ). Shortly after, they also sent us a check with the corresponding funds. I tried to deposit the check to my Chase account on XX/XX/XXXX at a Chase branch and I was told by Chase that the funds will be on hold for XXXX  business days. However, on XX/XX/XXXX I received a letter from Chase that both my checking and saving accounts got restricted and I could not use them ever since ( exhibit XXXX ). My bank accounts were eventually closed around XX/XX/XXXX. The reasoning provided by Chase is that they could not verify the issuer of the check by calling a verified phone number associated with the companies written on the check. However, the XXXX XXXX and associated XXXX XXXX firm claim to have their public records in order. The check issuer also claims that they can provide any documentation needed and that the authorized users of the issuing bank account are available to confirm any information needed, none of which Chase is willing to accept. None of this is helpful unless Chase gets a phone number that nobody understands how and where to update. Moreover, to my understanding, Chase has my {$3000.00} and will neither return it back to the issuer nor give it to me unless they verify the check issuer. Eventually, after about XXXX years, they say that they will send my money to the state/country. Clearly, the restriction of my accounts caused me a serious harm, they restricted all my funds and they refuse to return my {$3000.00}. Moreover, my salary from XX/XX/XXXX was not returned to the employer even though my accounts were not functional. As of XX/XX/XXXX I still have not received my salary as it is somewhere at Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate information placed on my credit report regarding the collection account of XXXX, XXXX, & XXXX XXXX on numerous occasions with TransUnion. 
Pursuant FCRA Section 623 ( 5 ) ( A ) : Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this collection should be removed from my credit report. 

I have provided TransUnion a plethora of documentation substantiating my claim that the date of first delinquency ( DOFD ) is XX/XX/2015, however TransUnion has refused to remove the item. 

I have attached the same documents furnished to TransUnion.

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 2018-03-29
Company: Midwest Recovery Systems
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I recently checked out my credit report. I see two accounts from Midwest Recovery Systems for the same amount of {$1000.00} from two different payday companies. I have emailed Midwest and XXXX   the two payday companies and there is no information on them. Midwest has not emailed me back. I did not open these two payday loans as Midwest Recovery has stated. I need them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last XXXX I disputed a debit withdrawal which was happening every month it was found in my favor 4 months latter they with drew the amount i was a warded out of the blue I live on XXXX ayear and don't have a dime to my name they are impossible to deal with I need help they take money out of my account when ever they want

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TrueAccord Corp.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with Law 15 USC 1692 C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; also in accordance with law 15 USC 1692 D : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. This is considered harassment and abuse. I have told XXXX XXXX  that this was not my debt and it was done fraudulent, they did not do any investigation to determine if this debt was deemed legitimated. I also explained to XXXX XXXX  that I was a victim of identity theft. I have been harassed and bullied into paying a debt I am not responsible for. They have targeted my credit trying to scared me into paying a debt I am not responsible for. I have asked them to stop contacting me and they will not stop. this is a violation on my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: STERLING JEWELERS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
received automated phone call from a company this morning XXXX at XXXX calling from a XXXX in regards to a matter that was being judged today as well as a reference number i was connected over to a man who became extremely aggressive when i explained the debt was paid a few years ago. he became extremely aggressive and verbally abusive and hung up. I called the number that was provided back and got the name of the company and location of the company. 

XXXX in XXXX XXXX Fl. 
XXXX The man 's name is XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: CA
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these itemsto be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account # XXXX XXXX and 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: KY
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:
Unrecognized Inquiries XXXX XXXX XX/XX/19 On XXXX and Equifax and XXXX XXXX XX/XX/19 On XXXX and Equifax and XXXX XXXX XXXX XXXX XX/XX/19 on all 3 bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Today at XXXX XXXX, we contacted Equifax. We've been waiting for over XXXX  months. To be able to see our score online so that we may be able to also look at any discrepancies on. Are credit file XXXX  facts will not despite us uploading a lease to them, allow us to see our scores. We were told by the first person of XXXX XXXX ago that we would be able to see our score the following day. When the following day came, we were not able to see our scores. And we did XXXX XXXX to call in again. Since folk XXXX, another representative who told us that we needed to upload proof of registered sea, so we sent over our lease. Weeks later, we continue to have the issue and contacted someone on today. 
They relayed the information and the address. XXXX facts and XXXX will would not unlock our files, so they we could see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my seccond endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-23
Company: PINNACLE RECOVERY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have had a Time Share for 8 years and never used the facilities EVER. 

Called to have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
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. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi I was working on my refinance and agreed to the loan estimate for costs and expenses for about 6 weeks now, when we are about to close the lender sent me a loan disclosure with more than $ XXXX in the money to close please see the details below Lender credits changed from {$3300.00} to {$1500.00} The appraisal fee should be removed ( {$490.00} XXXX without cut that from the cost. 
Daily interest changed from 15 daysXXXX to 8 days I didn't see it make the cost go down?!! 
Pulse the property tax of {$3700.00} which is paid off two months ago. Still asking for it. 
The closing cost changed from {$30000.00} to {$40000.00}. 
I been trying to reach 5 people from this company but no response The company name is : Intercontinental Capital Group. 
My name is XXXX XXXX Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: LA
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, 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 a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ONE ADVANTAGE, LLC HAS VIOLATED MY RIGHTS AS A CONSUMER. SEE ATTACHMENTS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX I received an alert from XXXX concerning new activity on my credit report. this was a notification of a collection account with credence resource management. this collection was from XXXX XXXX  I have not opened and given permission to open any XXXX  accounts with att this account is due to identity theft please see attached identity theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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've sent numerous letters to XXXX  and TransUnion about the collection that is still shown on my report. XXXX  removed on their end but TransUnion and XXXX  our still showing this inaccurate information on my credit reports and it's taking a huge effect on my credit score. I have not gotten any response from the bureaus on behalf of the item. I want this removed ASAP as which they can not provide any information about this debt bearing my signature.

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 2021-04-05
Company: Conn's, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Amazon / Synchrony Bank has failed to issue a refund

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