BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Convergent Resources, Inc.
State: AL
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:
I received a letter dated XX/XX/XXXX and received XX/XX/XXXX from Convergent Outsourcing stating that there was a XXXX XXXX debt of XXXX. 
1 ) I have lived in AL since at least XXXX and have not had XXXX. 
2 ) I have not received any XXXX bill and this is the first letter from Convergent giving me 30 days to dispute.

3 ) Before I can even dispute, this debt is appearing on my credit report as of today on XXXX. 
4 ) This debt states date opened as XX/XX/XXXX, status date of XX/XX/XXXX, no other date history reported on the delinquent mark.

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 2023-10-29
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Discover has concluded that the tradeline item is verified, I requested details of their method of verification. Namely, I request a description of the procedure used to determine the accuracy or completeness. At minimum, I request the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnisher. I also request the persons name and address of furnishers of information contacted in connection with such information and the telephone number of such furnisher when you initially prepared that report. 
They do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that theyve prepared concerning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - 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 2022-08-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 CHILD SUPPORT ENFORCEM XXXX XXXX XXXX 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 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 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to 3 different branches to wit drawl money and was not able to. The 3 branches did nit have access to the safe.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
COMPLAINT ID : XXXX 15 US Code 1681i- Procedure of disputed accuracy CRA took 60 days to investigate the disputed items submitted. CRA has 30 days. May be up to additional if I would have submitted new information or documentation which would allow them additional 15 days. That did not happen. Violation by taking 2x the allotted time to investigate. 

The information I disputed and the notice I submitted was not documented that they submitted a notice of dispute within 5 days. That is required. The CRA did not do that. 

Please provide reasonable methods used to verify. Provide the evidence of the reasonable procedures that you used to come to such a conclusion that it was the disputed information was verified. 

Who did you talk to? What is the telephone number of the person you spoke to? What address did you contact? Your procedures for investigation are impartial and fair to preserve the rights of me, the consumer. You have failed a description of the procedure used to determine accuracy and completeness. Any furnisher/lender/creditor must have my signed disclosures that I gave them permission to report. *VIOLATION *Violation of the Gramm-Leach-Bliley Act* 15 US Code 1681i- Procedure of disputed accuracy ( C ) Contents of Notice ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

The CRA failed to outline just that. How was the information I submitted used to verify the disputed items on my credit report? What information did you use to modify my credit report? The information that I sent to you? BC I have the right to privacy and if you obtained any verifiable proof, my permission ( verbal or written ) to report these items in the first place. So how can you verify or modify something that isn't supposed to be listed in the first place? 15 USC 6802 Violation.

Where is the evidence that I gave permission and consent? Provide evidence that the company has permission to report the disputed items on my credit report.

If you are in a business transaction with various reporting services, how does this make your investigation fair and impartial? These companies are paying you to report. This is identity theft. I am not part of that business transaction. This is hurting and harming me and my financial powers.

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 2023-10-29
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Im trying to find out why my mortgage went up yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Goal Structured Solutions, LLC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX of 2021, XXXX XXXX acquired my student loan from XXXX XXXX. My monthly payment is {$50.00} at a fixed interest rate of 5 % ( see attached XXXX XXXX ), I have never missed or been late with my payments. Just before XXXX, I noticed that an inordinate amount of interest was being added to the principal loan balance. 

After my last monthly payment, my balance was approximately XXXX. At 5 % interest, this would have added about XXXX ( 5 % of XXXX = XXXX = {$9.00} ) on my next payment due on XXXX. Instead, the company website reflects an increase to XXXX ( see attached ) which is an increase with interest amounting to about 19 % ( 19 % of XXXX = XXXX = {$35.00} ). 

As a result of their failure to reply to my inquiries I, of course, have not made the most recent payment. As, with such wild swings in the interest rate, making my XXXX payment, I will never see the end of this debt. No reasonable or responsible person would pay under the circumstance of the company breaching the agreed fixed interest rate of 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone hacked my account and deposited money into it without my consent. The bank closed my account. I was not aware of it, I did not go to the ATM or anywhere to deposit a check. I tried calling the bank to explain but they were not helpful. Ive lost my account for something I didnt do.

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 monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
account is showing as a charge-off account but account has been paid in full before it started reporting as a charge off account

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I previously try to get the credit agency to look into an unverified account, but all they do is sent me back an account that they said it was verified. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or crimes which antedates the report by more than seven years. 

Too many violations to my rights. if this keeps going, my only option would be to seek monetary compensation for the damages done to me. I demand the following accounts be verified or removed immediately. I will also attach identity theft report from the FTC 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 2020-07-28
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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, has violated my rights. Account # XXXX, has violated my rights. 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 instruction. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 complaint is about Fraudulent Hard Inquiries into my TransUnion Credit File On XXXX XXXX I received an alert notification from XXXX about a new inquiry into my credit. After logging in to both XXXX and XXXX XXXX, I was able to confirm that a fraudulent new Hard Inquiry was made into my TransUnion Credit File by XXXX ( whoever that is ) on XX/XX/ ( Today ). 
I was also shocked to see that another fraudulent hard inquiry was made on XX/XX/ by XXXX ( whoever that is ). 
Both inquiries listed the contact phone numbers for both companies. I tried contacting both companies but the numbers are disconnected ( no longer working ). 

I am hyper conscious about managing the number of hard inquiries into my credit file due to the impact it has on my credit rating. These Fraudulent inquiries are killing my credit score After contacting TransUnion Fraud dept, I was instructed to file a complaint with the FTC for Fraudulent Transaction as part of the process to have the hard inquiries removed. 

I have frozen my acct at TransUnion for now out of an abundance of caution that my ID may be compromised.

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 2023-02-07
Company: EQUIFAX, INC.
State: MI
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 my rights have been federally violated by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Remitly, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I had a transaction with Remitly last XXXX XXXX amount {$2500.00} USD via express delivery and it should only take 10 minutes but I waited for 12 hours- 24hours to 3 days and more but was n't able to send the money to my recipient. They emailed me XXXX XXXX saying they 're taking a second look at my transaction after asking for inquiry why it takes a long time. After 12 hours of waiting, I decided to cancel my transaction and received an email confirmation " The charge to my card was voided and will be reflected in my account balance by the end of the day ''. So I waited but my refund was not reflected back to my account balance. XXXX XXXX I spoke to customer service of my " bank '' and stated they are waiting for the receipt of cancellation from Remitly so I can get my refund back to my account balance. Right after my conversation with my bank I called and emailed Remitly and they are asking for the ff : details ( name of bank, bank 's email, name of bank contact person/department ) I emailed back that I do n't know and it 's not my job to send the " Authorization Hold Removal request from my bank in order for them to release the pending charge. '' This is very disappointing because I have the right to cancel my transaction and refund back my money as I do need it immediately. I tried my best to get in touch with them and do my work but still, I do n't know what 's going on and they 're not giving the right customer services. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that does 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 non-monetary relief
Consumer complaint received 2022-10-16
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On Thursday XX/XX/2022 my wife received a phone call stating that I was being served an order of location at my residence and I would need to contact XXXX for information regarding a file number XXXX. The same day, my mother was also contacted and was told that I was being located for a legal matter and they advised that they were attorneys. When I contacted the number I was told that I was being sued for defrauding the bank and breach of a contract. When I asked for additional information and a letter of validation for the debt they were reffering to they advised that they were not required to send me anything ans if I did not comply today they would continue their filing with the courts and would send an order of location out for me to my residence. The compmany would not even provide me with their full name and where I had called, the representative continued to raise their voice and demand payment immediately or I would be located. When I asked for written documentation of a payment plan or payment arrangement information I was told that they were not required to provide me with anything until I satisfied the debt they claim. This company calls my family members everyday and intimidates them and tells them they are attorneys and that I have legal troubles and that they are sending an order of location. They also will not provide me with any validation, validation in the mail, or answers to my questions, they just demand payment and threaten me. The agent threatened to take me to court and that I would be liable for all of the court costs.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
credit acceptance will not verify any information they are reporting on my credit report i have filed several disputes yet this negative reporting still continues without cause

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