BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent Outsourcing is reporting a collection account on my credit reports that I am not familiar with. I have tried to reach out to them via mail to see where this account came from and all documents associated with this account and was ignore. I have never received any documents from them or any type of communication regarding this account. Here is the tracking to prove they received my dispute, XXXX XXXX XXXX XXXX XXXX. I took it upon myself to look up some of the credit laws and saw that it is illegal to ignore a consumers request to dispute an account on their reports. I am demanding that this account is deleted as they are a consumer reporting agency but are violating the consumers laws.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: AZ
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 want to report experian again because they still have failed to update me with information regarding the claim. I have XXXX documents annotating the thing I am being alleged in my credit report. Please refer to my previous case with cfpb. That item should be deleted due to not verifying infomation. They don't communicate with the companies, so I don't know how they are able to make this conclusion about my 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 2022-10-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: ALLY FINANCIAL 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:
In 2016 I got divorced, and my ex-husband was awarded our XXXX XXXX. I have the signed, notarized paper showing he was responsible for it. He quit making payments on this XXXX, and the dealership came to pick it up. It then went on my credit report as a repo even though he was responsible for it after the divorce, not me. I got a letter from a debt collection agency saying I owed for it. Since it was on my credit report and hurting me, I called the debt collector and Ally Financial to try and get it all resolved so it would be removed from my credit report. I was told If I paid the settlement amount, then the whole account would be closed in full, and Ally Financial would do a paid and delete. I have paid the settlement amount, but Ally has not removed it from my credit. After several phone calls speaking with XXXX XXXX and emails with no responses, I am reaching out to you. My credit is XXXX clear except for this problem thats not even my fault or my responsibility, but Ive taken care of it. I just want it deleted off of my credit report as Ally Financial promised.

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 2023-11-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The customer service representative told me I didn't have an account. As I continued to login, she said I didn't have an account. Then the system, showed the account was open and had a security freeze that i lifted yesterday. 
I have been frauded and working my whole life for nothing. This country is terrible, and no one is helping me. 
PLEASE HELP 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 explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: MO
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 am an identity theft victim who's right on the federal law have not been protected. Over the course of the last three to four months I have worked vigorously to correct the damage to my financial reputation. These debts have not been validated in substantial way as of yet. Yet it serves no purpose other than to cause inflammatory prejudicial harm to my financial reputation and credit reports. Be outright benign effort on behalf of Experian and XXXX to disregard federal laws in regards to my identity theft case has caused further duress and hardship to my children and myself. I'm a single parent of XXXX  children without a vehicle for transportation and my financial accounts have been drained to nothing. I have supplied the necessary police reports, FTC affidavits, as well as verification of my personal identity. There are federal laws and state laws as well that govern how they are supposed to deal with identity theft victims yet in my case they have not been adhered to nor respected at the very least. Clearly no one individual can purchase five to six vehicles within a two and a half year period of time and default on all as one example. In fact as some items have been disputed and deleted multiple other fraudulent accounts where added to my reports with malice. In those situations some of the same items that are on my credit report in 2015 some which were deleted are now resurfacing again on my credit report as current debts. There has to be some level intervention by some entity that can help in the resolution of this horrific nightmare. So far XXXX and Experian particular have not accepted that responsibility.

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 2023-11-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
All is debit is fraud I dnt owe dis money also XXXX  is da bank and they charge da account off also da acct is closed so I owe dis company Nuttin

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US DEPT ED XXXX Balance : {$0.00} This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

US DEPT ED XXXX Balance : {$0.00} Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

US DEPT ED XXXX Balance : {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

US DEPT ED XXXX Balance : {$0.00} Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) XXXX Balance : {$480.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} Delinquencies reported after the account was closed. This is a violation please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2023-01-15
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An original letter was sent to credit bureau & the company directly and I have not received any information nor is the account deleted I also disputed this debt online as well Asking them to verify debt information & send updated results and have not received anything.it has been over 30 days without a response

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 2021-01-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XX/XX/XXXX of XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX XXXX Sales Manager ) and XXXX Credit, XXXX XXXX XXXX Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX credit inquiry and 1 letter from XX/XX/XXXXrescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX Credit ( Compliance ) on XXXX, XXXX XXXX email ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Care Team & XXXX XXXX XXXX Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX XXXX email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX XXXX XXXX see File 1 - personal letters pages 1,2 and XX/XX/XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from Equifax and XX/XX/XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX letter XXXX XXXX XXXX XXXX Credit, XXXX XXXX XXXX* ( see File 1 ... ) ** 1 XX/XX/XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX XXXX Credit Step 5 - XXXX XXXX XXXX Financial Director ) and XXXX XXXX Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Compliance Manager ) and XX/XX/XXXX ( Compliance Coordinator ) of XXXX Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scammed into an international wire transfer on XXXX XXXX, 2020 in the amount of {$12000.00} from my checking account with Chase. 
I went to the local branch in person to complain. After a phone call by one of the Chase employees I was told I would receive a refund within 3days.After Questioning again in person I was told It could take up to 8 days and I might be charged with certain fees that would be deducted from the refund. When again no credit appeared on my account, I was then told I would not receive any refund.. 

Also the copy handed to me of the transaction does not have my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a AMEX card holder since 2020. I have used the card responsibly since I had it as with all my cards. This past XXXX my credit limit was decreased from $ XXXX to {$1200.00}. They stated the reason was because I had a high usage on my other credit cards. The balances on my other card fluctuates through out the year, I am current on all my cards and have never missed a payment. This has always been the case. This reduction in my credit limit has affected my credit score significantly in a negative way. I called to have it increased again but it is unlikely I will get it because my credit score has dropped because of what they did. All I want is my credeit limit increased back to where it was at $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: LA
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:
There was a account from XXXX XXXX that I previously disputed and had removed from my credit report thats was not mine, I have never done business with this company. On or around XXXX oXXXX XXXX This account was added to my credit report for a second time, now how could it be removed and deemed not mine now its on my report and I dispute it it comming back verified. I ve ask equifax to send me verification process, signed contract with this company but they have yet to show proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To whom it may concern : There is someone stealing from my bank accounts at Wells Fargo, XXXX XXXX, and the XXXX XXXX XXXX XXXX. They are using XXXX XXXX, XXXX XXXX and other sources to transfer money. I do not know how they retrieved my personal information. Maybe, they stole mail from my street. I receive weird letters with different addresses and names. 

I am very saddened that this is happening. I am older, vision impaired, and in pain daily. I can not go to the bank every time that there is a problem or money is stolen. This account belongs to me, however, my daughter is a beneficiary on several accounts. My daughter has been on taxes, since XXXX, we were involved in accidents in the XXXX 's and she ( XXXX XXXX ) assists me daily with care. We have accumulated a lot of wealth. 

The police have also been recently harassing us. They were harassing my daughter for no reason and they have destroyed her property, worsening our health. My daughter is severely depressed. They ruined her vehicle to the point she has to associate with dangerous people while travelling. The police might be stealing personal information to ruin me and my daughter 's life. I do not speak to any other people in regards to my checking or savings account except my daughter XXXX XXXX. The people who are hacking my account are strange people who I have no affiliation with. I am very anxious and nervous since these problems continue to occur. 

My daughter has several complaints here also. Please send me correspondence of this complaint. Someone else also has hacked my telephone number as well as my daughter 's trying to steal money from our accounts. I never talk to this people. Telemarketers and scammers might make calls occasionally. Please help me with this matter. The police might have also caused some of these problems and there is even a stolen check that was in my daughter 's vehicle that, XXXX XXXX, my daughter 's previous finance company has stolen. 

Basically, someone is hacking my phone numbers, debit cards, bank accounts and other information to steal money online through different banks. 
Please email my daughter with correspondence about this case. Note : hackers are hacking me and my daughters phone numbers. They are using identity fraud. Who has are numbers? 
My name is XXXX XXXX Daughter 's name 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 2023-04-28
Company: EQUIFAX, 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:
XXXX has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am working with lenders to get preapproval for a mortgage and was told my trans union credit report is locked. When I called to remove this lock, they told me I was not able to do this over the phone and had to mail in copies of ID proof. However, I never asked for this to be put on my account and was never made aware that this was placed. When I called XX/XX/2021 I was told that trans union placed this suppression on my account but did not have any documentation as to why this was done or even when this done. I was never informed of this and have my credit being pulled. This is absolutely ridiculous. If my account is under supression I should be made aware of this.

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 2018-08-01
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: Old information reappears or never goes away

Complaint:
There is information on my credit reports which are older than 7 years which should be removed according to the FCRA. 

XXXX XXXX- {$450.00} XXXX XXXX- {$580.00} XXXX XXXX- {$870.00} All these accounts are over 7 years old from date of last activity.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: AZ
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:
The company is Experian. I have tried for XXXX days using different numbers to tell them that my account has been hacked. I know this because my monitoring company XXXX XXXX sent me an alert stating that my credit freeze had been unlocked. I tried to go on the website, but it didn't recognize my login information, so I requested a code to change my password and the computer 's response was they didn't recognize my email address or phone number. I want to get this corrected but there doesn't seem to be a way other than mail correspondence which could take XXXX or more days.

Company response to consumer: Closed with explanation