BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
Despite the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2020-06-24
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:
I disputed some in correct information on my credit report. I disputed with Bureau whom verified as account reporting accurately on my report. I sent a follow up letter asking for verification and to ensure proper reporting. This Bureau is not properly following XXXX XXXX and XXXX compliance protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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 2018-09-08
Company: On-Site Manager, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I moved into a rental property - XXXX XXXX XXXX XXXX in XXXX, XXXX that was managed by XXXX XXXX XXXX XXXX, in XX/XX/XXXX. I left the property XX/XX/XXXX, which at that time it was managed by XXXX XXXX XXXX. I moved back to XXXX. Before I moved away from the property I tried to settle any outstanding financial obligations that I may have owed. At the time, the property refused to deal with me directly and said that I would get a letter in the mail. I left the state of XXXX  in XX/XX/XXXX as my job was being transferred back to XXXX. I did break the lease early. I did receive a few calls from a collection agency demanding payment in XXXX. Last year, XXXX I worked with a HUD approved agency and we were able to rectify the situation and close out the account. I have attached a copy of the two letters that I received from XXXX XXXX regarding this matter. There is nothing showing on my credit report. Fast forward to today XXXX. I am in the process of applying for a apartment and I was told that I have an inquiry on RealPage/Leasing Desk? I have never heard of this place and I am not sure why my name is even coming up in this particular system. The information that is showing is not correct nor accurate. I called around on XX/XX/XXXX trying to locate the source of who put this information in my file. I was told that the property XXXX XXXX XXXX is now being managed by XXXX XXXX XXXX - they could not assist me. I called around and spoke to someone at XXXX, XXXX, XXXX, XXXX XXXX and Real Page/Leasing Desk and no one is able to confirm why this is information is there. 
At this time this inaccurate information is preventing me from acquiring a safe and decent space for me and my children to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2023, I was approved for financing with Conns. I purchased a television for {$600.00} and requested to pick-up the appliance in lieu of having it delivered. When I received the invoice and installment contract to sign via XXXX, a delivery fee of XXXX + tax was included on the contract. On XX/XX/2023, I called the customer service department to request a new contract and invoice with the delivery fee removed. The agent said it was system glitch. I was told they would not remove the delivery fee or send a new contract but would credit the delivery fee to my account. I explained just crediting the delivery fee to a persons account would not actually resolve the issue as your company adds this fee to the installment contract which means it will subject to interest. She further explained thats all they can do and would not issue a new contract. I cancelled my order. It is my belief that Conns does this as a practice to commit fraud against their customers by adding a delivery charge to all online orders. It seems to me as bait and switch at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My daughter used her XXXX account to pay for groceries. It was XXXX occurances for approximately {$90.00} worth of food. The XXXX purchases ranged from {$5.00} to {$41.00}. When I recieved my Captial One Quicker Silver statement, I was charged {$50.00} in cash advance fees for {$92.00} worth of XXXX transactions. When I asked if that was considered fair and reaonsable, I was told over and over again " that is our fee sir ''. 

Dates XX/XX/22 {$12.00} XXXX - {$10.00} fee XX/XX/22 {$25.00} XXXX - {$10.00} Fee XX/XX/22 {$5.00} XXXX - {$10.00} fee XX/XX/22 {$41.00} XXXX - {$10.00} fee XX/XX/22 {$8.00} XXXX - {$10.00} fee On XXXX - that charge is XXXX  % of what I bought! This is criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: Grow Credit Inc
State: CO
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:
Accordance with the Fair reporting act this creditor has violated my rights. Under 15 usc 1681 section 2 states I have the right for privacy. USC 1681 section 604a a consumer reporting agency can not furnish an account without my written instructions. Under uscs 1666b a creditor can not treat treat a payment on a credit card account under an open consumer account open end as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
onXX/XX/2017. I received a statement saying that I had a refund coming to me. In the amount of {$450.00}. The refund was because Citi card had improperly charge too much money or interest on a product that would pay your credit card balance, in the event that I would get sick, hurt or lose my job. So some government oversight group made Citi refund back monies for that product. Due to what ever they did wrong? So after 2 months I never saw the refund check. I called Citi 4 times. 1 call was brief. And they would check on the status. They said I got the money and the check was cashed. I went to My bank and researched no money was processed. 3 other calls were made At Painful length. I got a copy of the check. It was not my signature..and I had not cashed it. I tried working with Citi for a Fraud or  illegal cashing of the check. I asked for the record of what bank cashed the check.. so I could start to figure this out. They Can't tell me who cashed it. 
I told them the endorsement of the check was not my signature, and that I still want the refund coming to me. 2 Times they sent me the check copy when I asked for resolve. So they keep going to step 1.. and their investigation team was going to look deeper for answers..And I have heard nothing. Now their in the news for charging a High Default rate for extended lengths of time.. I did make some late payments due to work issues.. So I may fall into that category as well. But one thing at a time. Very frustrating ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Tuesday, XX/XX/2023, at XXXX XXXX, I received an email from XXXX XXXX, a Loan Originator with AmeriSave Mortgage Corporation stating that her underwriting system wanted her to do a hard inquiry to check my credit report, and that she wanted to get my approval on this before she proceeded. I never approved for her to do a hard inquiry to check my credit report. The following day, Wednesday, XX/XX/2023, at XXXXXXXX XXXX, I received an alert from XXXX XXXX credit monitoring stating that there was an attempt to perform a hard inquiry to check my credit report through XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX ; however, Access was denied because my report was locked from unauthorized access. I never authorized AmerirSave or XXXX XXXX to do a hard inquiry to check my credit report. I contacted XXXX and confirmed that AmeriSave had performed the hard inquiry of my XXXX XXXX credit report in an attempt to obtain my fiancial information. I then sent XXXX XXXX an email inquring as to why she had attempted to do a hard inquiry to obtain my fianancial information from XXXX XXXX without my knowledge or consent ; however, I never recieved a response from her. On XX/XX/2023, at XXXXXXXX XXXX, I sent a follow-up email to XXXX XXXX stating that I had sent an email to her regarding this matter and that I was expecting a response from her. However, I never received a response to the email inquiry or any explanation as to why she or AmeriSave attempted to obtain my consumer credit report and financial information without my knowledge or consent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted on XX/XX/20 - Saturday XXXX. No voicemail left on phone. Collector then called grandmother and mothers phone and would give no details other than was Transworld.

I called back and was told medical debt owed to XXXX for unknown amount. Person asked for my dob and I hung up. 

I am a XXXX student- XXXX years old, financially dependent on my parents as well as on their medical insurance plan for billing purposes. This is a scam as my mother called back and they did not say a word to her. She asked if anything has been mailed about a debt- no comment. 

Phone number that called me was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
Hi, This is to discuss a fraudulent account opened with XXXX XXXX, a division of XXXX. 

I was alerted through my credit monitoring that there was an decrease in my credit score on XX/XX/2023. 

In investigating, it was due to an account I have no knowledge of through the company " XXXX XXXX '' ( XXXX ) where an account was opened at a dental office in XXXX FL ( I live in XXXX, GA ). They had allowed someone to use my social security number with a different name, different phone number, and a different address to open an account and max out the card in two trips to a dental office in a state I have not lived in nor traveled to. 

While I did contact XXXX XXXX and they issued a fraud investigation- they were rude and not helpful in understanding the process or next steps. I'm in the process of buying a house and they would give no path to resolution time frame or follow-up.

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 2023-04-14
Company: Torres Credit Services, 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:
I am seeing someone else details on my credit report when checked with " XXXX ''. I only have 2 credit cards on myself which are XXXX and XXXX  but I see there is a third credit card which is called " XXXX '' which does not belongs to me and someone is maintaining that credit card along with that there another account called " Torres Credit SRV '' which is some debt collection service and shows that I owe {$280.00} but I donot owe money to anyone or any credit cards.

I make my payment on time. Because of there 2 reasons my credit score got dropped by XXXX points when checked with XXXX but when check with XXXX or XXXX my credit score is correct which I was expecting. 

I tried reached out to XXXX support and they raised fraud request on both companies and told me to file a police report as well which directed me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to creditor : XXXX XXXX. The debt collector is Convergent. Convergent offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. 

Daily phone calls plus one mailing. 

I do not owe this debt, as this XXXX XXXX XXXX account is not mine. I did not open these accounts.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached an FTC report with fraudulent inquiries I did not authorize

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 2023-02-13
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account NamXXXX XXXX XXXX Account Number : XXXX Account Name : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.

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 2023-10-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion has 13 inquiries on my credit report. I have written a letter and no response. It has been well over 90 days. The following are the inquiries and dates : 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

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