BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing is continuously reporting the same debt that is not owed by me for their client XXXX I have repeatedly asked the company and the companys they keep hiring to provide me the phone calls and case notes showing that XXXX never provided me with the service they I was falsely sold. 4 years later I have not received this information and now Convergent malpractices reporting the same account and money 3 times in a 2 week span. If you review my credit, I pay my bills and no debts for the past 10 years. They are doing this intentionally trying to use tactics to damage my credit. This should not be allowed to be done and should be considered against credit collections.

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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To whom it may concern May I please request your assistance with a hard inquiry showing on all three of my personal credit reports. credit reports I have personally tried to no avail to dispute this hard inquiry. My credit report clearly shows in my personal statement that I have been a victim of identity theft and to contact me personally before attempting to pull my credit report. I also have a freeze associated with all three reports. I have in earnest attempted to contact the originator of the hard inquiry only to be denied the removal of such. The company in question is : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX noted for real estate on behalf of XXXX, XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I never initiated this hard inquiry.

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 2020-12-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX COMNWLTH FIN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious COMNWLTH FIN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Amsher Collection Services, Inc.
State: NY
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:
am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 

Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The XXXX Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent Equifax a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XX/XX/XXXXthat is reporting accurately from XX/XX/2020 I filed a previous complaint against XX/XX/XXXX complaint number XXXX please update that case with the information provided by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/14, credit inquiries were added to my credit report for what appears to be auto financing. The credit inquiries added were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Co, and XXXX XXXX. All inquiries except XXXX XXXX were reported to the Transunion XXXX. XXXX XXXX and XXXX XXXX were reported to 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 2021-02-12
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LJ Ross Associates, Inc. contacted me regarding XXXX XXXX debt collection. Since XXXX XXXX I have agreed to pay in monthly installments for the account XXXX, located at XXXX XXXX XXXX XXXX , an apartment I had to leave due to non livable conditions and landlord neglect. I have since been making on time payments of {$110.00}, and completed 2 of the 5 payments. They told me they would be reporting back to the credit bureau positively that I am paying this debt as I make these payments. 

On my interaction for attempts to make the third payment, today XX/XX/XXXX after calling several times during the week at a different number provided initially without response, I was told I would need to pay the full remaining balance, or they will report negatively to the credit bureau, affecting my credit score. This is not what I was told, or lead to believe initially upon agreeing to do the monthly installments upon consumer good faith, and futhermore I am being essentially blackmailed/ strong armed into paying a full bill I can not afford to pay or they will report to the credit bureau . This is also during a time of lockdown, pandemic economic crisis, where state and federal government along with cooperation from NY XXXX has allowed for individuals to not have to pay their bill, or be threatened for negative recourse if by negative credit reporting or fees, if they can not afford to pay it from lack of work due to the current crisis. I am currently on unemployment, and working hard to find new work and LJ Ross is pushing me into economic hardships I can not afford to pay safely, while using reporting to the credit bureau negatively as undue and pandemic profiteering leverage. I need immediately for them to not be allowed to report to the credit bureau, and for the debt payment obligations to be put on hold as long as the original merchant XXXX XXXX is offering relief due to hardships during the lockdown.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-11
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi on Thursday XX/XX/XXXX, I received a call from American Coradius International LLC. I spoke with a lady who did not identify herself. She asked me my name which i gave. then she asked for my personal information. I explained I do not give out this information. she asked for my last 4 SS # again i told her i do not give this information over the phone.I was not provided any informastion on who this debt was from or if they bought it just trying to get information. Again she asked to give the last 2 numbers of my SS #. I explained to her that any communication needs to be in writing. They she started getting aggressive on the phone. I asked what is this Debt allegedly that i owe and how much. She did not give me that info told me to call XXXX. 
First I do not recognize this Company i had to call back several times to get the companies name. 
2nd I have checked my Credit Report and it is not reporting on any of the bureaus. 

I did not feel confertable being addressed to give out personal and sensitive information over the phone and when i asked this company did not provide me with any information that they say they have of me. I asked them to correspond through mail and they said they have a lot of times. this is not true. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a statement or invoice from a collection agency ( XXXX XXXX XXXX ) that they were trying to collect a debt from Huntington Bank for the amount of {$310.00}. I thought it was referring to my overdraft on my account especially when I looked at the dates and they were around the end of the month, XX/XX/XXXX. I thought that was rather swift to send my overdraft to collections before the month was even out. Just now I received a call from said collections agency referring to said debt. I was confused at first then upset because I believe things like this can destroy a person 's credit and I tend to think that they are disproportionately done to selected Groups of people. Do that keeps them paying higher interest rates or aid in denying them credit. 

Anyway I filed a claim a while back because for some reason they didn't close an account when I created a new account and when the following month came I had a balance of - {$5.00}. When I authorized them to transfer that amount to create a zero balance they decided to take {$320.00} instead because the next day there was a payment of {$300.00} that hit the account. After speaking with someone from the bank they they said they would correct the problem but the payment was already made. As a good faith effort the return some bank fees. Now here we are again and they are telling me I owe them money. Why does happen right when I apply for a loan for a car?? 

Maybe I'm not considered a good customer because I don't have thousands saved in the bank. 
I would be interested to know if this a common practice and do I need to get other agencies in to find out what is going on. All I know is that this can't continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chime bank let someone steal over XXXX dollars out of my account .they have not given me my money back they mysteriously closed my account and couldn't explain why they closed my accounts .they denied my disputes and did nothing about the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was abruptly closed without notice. I've reached out to the company multiple times with no responses as to why my account was closed. Also, they will not tell me anything about the balance of money I had in my account at the time they closed my account. 
This account was closed on XX/XX/2022. There was potentially {$150.00} in my account when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions 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:
MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT BECAUSE MY MORTGAGE IS NOT BEING REPORT TO THE CREDIT BUREAUS AND XXXX XXXX  STATED THEY HAVE BEEN REPORTING IT EVERY MONTH.

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 2019-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was reported 30 days late XX/XX/2018, due to being hospitalized. I simply could not make the payment before the statement closing date. I called in to inform the bank about this I got not resolve. 

I was also marked as 30 Days late XX/XX/2018 due to hardship. When I tried to apply for a payment solution/help prior to the reporting, I was denied.

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 2021-11-30
Company: Experian Information Solutions 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 have disputed directly with Experian and XXXX both regarding XXXX. The account has been illegally re-aged! I have submitted dispute after dispute to no avail. There are so many inaccuracies within the way the account is being reported but after several disputes nothing has been done! The account type is missing which makes the account inaccurate in XXXX way. The number of terms is missing- inaccurate. Experian failed to perform a proper investigation as the last date is XX/XX/XXXX! It was just disputed in XXXX of XXXX! XXXX failed to list to whom the account was sold to which is a violation! Experian shows the last reported date as XX/XX/XXXX. XXXX shows XX/XX/XXXX. How is that even possible when the disputes were submitted at the same time. For sure less than 2 years ago! Experian has the date last active as XX/XX/XXXX and XXXX has it listed as XX/XX/XXXX. That proves the account was illegally re-aged! Experian has the date of last payment as XX/XX/XXXX and XXXX shows XX/XX/XXXX! How is that even possible when the information is supposed to be furnished by the same company? I believe it is a tactic to prolong how long the account is supposed to report on my credit file which is illegal! XXXX is reporting a payment history each month at OK while Experian shows the account as charged off! If the account was sold to XXXX XXXX XXXX XXXX why is XXXX still reporting this account? I have sent both bureaus a dispute and they continue to ignore my dispute and report this inaccurate account with no regard. How can both these bureaus continue to report this account even though it is not 100 % accurate along with a serious FTC violation of re-aging? They are purposely damaging my credit file and causing me harm.

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 2023-08-16
Company: MID FLORIDA FINANCING LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XX/XX/XXXX I purchased what I thought was a XXXX XXXX compass. When I ran into problems with the battery I took the vehicle to a mechanic. He found out XXXX batteries are not compatible with my vehicle because my vehicle is a XXXX. A XXXX jeep compass has more features and a XXXX batteries. Also has back up camera and other accessories. 

Its that some kind of breech of contract. I have never been late on payment. I actually have my card on auto pay. I called the XXXX department and also the sales team. Both said call the other and they can not help. Im frustrated because I have so much more to pay and Im not pay for the car I bought. Can you please help. No one will listen.

Company response to consumer: Closed with explanation