BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian lists a charged off credit card account with XXXX XXXX reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from Experian XX/XX/22 and they have failed to comply with the 15 day limitation.

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 2023-06-22
Company: EQUIFAX, 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:
This issue with equifax is dual first things first theres an account reporting with XXXX on my credit report acct # XXXX {$75.00} im asking for an early exclsuion of this item off my credit report. The account is due to come of in XXXX so im requesting an early exclusion. Also, im asking for access to myequifax.com account. i have not been able to login and review my profile on myequifax.com in forever, if someone can help me i would appreciate it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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:
Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXX XXXX. I called XXXXXXXX XXXX XXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XX/XX/XXXX, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my XXXX business card. XXXX 's Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at XXXX, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to XXXX. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from XXXX during the month of XXXX. I told XXXX, I had begun working with a credit counseling agency. As I received more calls from XXXX, I contacted XXXX XXXX in regards to my account with XXXX. XXXX XXXX first stated, They were waiting for XXXX to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from XXXX. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to XXXX. They instructed me to disregard correspondence from XXXX. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and XXXX hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with XXXX and was going to end the relationship. On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to XXXX canceled. The first payment was made from XXXX XXXX to XXXX on XX/XX/XXXX. 
This resulted in XXXX reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with XXXX and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; three weeks after XXXX XXXX told me they were waiting for XXXX to accept the proposal.

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 2020-07-29
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Where is my sign hippa release form? Also my sign financial responsibility form for the medical practice? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen by former friend XXXX XXXX. Turns out she used my personal identifying information to rent an apartment without my knowledge or consent. I have tried to reach her but she wont take my calls or texts. I have also contacted the apartment community, XXXX XXXX XXXX XXXX XXXXXXXX and I have contacted the XXXXXXXX XXXX  XXXX. 

The amount owed is {$2300.00} and is now in collections. I have been able to successfully have the item removed from XXXX but XXXX refuses to remove the collection. 

The collector, ProCollect Inc was rude and not helpful at al. They simply insisted that I pay for this and I absolultey refuse because this debt it not mine.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00}. 
XXXX XXXX  ( Original Creditor : XXXX BXXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-11-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent outsourcing attempting to collect on behalf of sprint. I have requested on multiple occasions over the course of a few years for validation proof. They have refused to validate the debt to me. I've disputed multiple times and request the validation method from the investigation through the credit bearus and still never recieved any validation. It's not right for this company to destroy my credit for years when they have failed on multiple occasions to provide validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On  XXXX   XXXX ,  2017 I up dated my hazard insurance on my home located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , MO by updating my  XXXX   XXXX   XXXX  policy to include an umbrella policy to cover sink hole and earthquake. My agent -  XXXX   XXXX  and myself provided proof of insurance to Nationstar Mortgage. In  XXXX ,  2017 I w as notified that Nationstar Mortgage needed proof of insurance. Once again I provided proof of insurance. On  XXXX   XXXX ,    2017 th e  XXXX ,  2017 p ayment in the amount of {$920.00} was mailed to Nationstar Mortgage using check #  XXXX  on the  XXXX  Bank account of  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX . On  XXXX   XXXX  , 2017 I wa s notified by Nationstar Mortgage that my payment was not being processed until I paid {$570.00} for insurance they purchased despite having at least  XXXX  submitted proof of insurance. On  XXXX   XXXX  , 2017 the  agent again submitted proof of insurance. On the evening of  XXXX   XXXX  , 2017 a t  XXXX    XXXX   the entire  XXXX  pages of   XXXX   XXXX   XXXX   Policy  XXXX   XXXX   XXXX  was faxed to the insurance department of Nationstar Mortgage. On  XXXX   XXXX ,  2017 I was  informed by phone that Nationstar Mortgage had proof of insurance dating back to the original date of coverage of  XXXX   XXXX ,    2017 and u pdated proof of insurance dated  XXXX   XXXX ,  2017. Ho wever I was also told that until the {$570.00} is reimbursed either by myself or the insurance company that Nationstar Mortgage purchased insurance thru, the payment of {$920.00} would continue to be held and on  XXXX   XXXX ,  2017 the  mortgage would be in default. On  XXXX   XXXX ,   XXXX   017 I fil ed a complaint with the Missouri Departmen t of Finance ( Investigator   XXXX   XXXX   ).  On  XXXX   XXXX ,   XXXX   I was notified by Nationstar that the account was in default and they would not process the payment that is in their possession. On  XXXX   XXXX ,  2017 I   spoke to my attorney -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , MO,  XXXX .  XXXX   XXXX  advised me to complete a complaint with your agency and then notify Nationstar Mortgage of my expectation that the  XXXX ,  2017 i n the amount of {$920.00} be applied and no indication of default be noted on the account. Also on  XXXX   XXXX ,    2017 I   received two mailings from Nationstar Mortgage. One mailing was an indication dated  XXXX   XXXX ,  2017 that N ationstar Mortgage was the provider of insurance, the second mailing also dated  XXXX   XXXX ,    2017 was a n indication that Nationstar had received from me proof of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Credit Karma, LLC
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Starting roughly two weeks ago issued began with my credit karma spend account. Unauthorized access first, than card was cancelled and reissued to an address I have never so much as been affiliated with in California. Upon contacting the institution I was able to get the Mailing of the card shipped to my appropriate mailing address. Card arrived yesterday after a long wait, however about 20 minutes before the post office delivers the card the institution places locks on my account and provided me no explanation. I was asked to upload my identity card and a selfie with card to match faces and information, standard banking procedures I'm sure. Account remains locked and unable to use funds I've been waiting two weeks to access, contacted customer service several times, and get told nothing they can do, further told a " higher department " handles the sort of case, again no explanation as to what case type or any information on how to communicate with this higher department, other than told to continue waiting for them to email me. I asked well can't this be address over the phone for a faster solution and told this " higher department '' has no phone number and simply sorry for the inconveniences caused. First off the breach on my account falls to them for liability I told them to revoke any sort of authorization for some iphone they claimed had accessed my account when this all began. Just yesterday my personal XXXX was again changed However I activated the extra security so my device was able to get access and correct the unauthorized changes. 
Long and short of this is, credit karma is a multi functional financial entity, handling banking needs as well as credit monitoring and identity monitoring etc. At this time they are not protecting me in no sort of way as the breach yesterday occurred during this lock of my account, now I've provided the proof of my identity and have a right to my funds. Yet they are avoiding my efforts to get my access restored when they had no justification to lock me out in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Their investigation did not fix an error on your report

Complaint:
Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The XXXX XXXX XXXXy helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For 1 1/2 years, we made payments to the XXXX XXXX XXXX and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even XXXX, XXXX, and Trans Union. One of the companies that we have struggled with is XXXX 's. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to XXXX, TransUnion, and XXXX. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but XXXX late marks on our credit? On XX/XX/XXXX, we sent another letter to XXXX 's again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXX 's or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXX 's and all three agencies. At this time we requested that XXXX 's send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXX 's requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to XXXX, XXXX and Trans Union we were once again told the found the information to be accurate. We don't understand how this is possible.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've contacted Transunion to request a copy of my credit report and score on XX/XX/2023. I only received a copy of my credit report without the score. I attempted to contact Transunion back requesting a copy of my my score since I never received it. and I was told that because it is a second request that I would have to pay to get a copy of my score, even though I never received it upon the first request.

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 2017-01-20
Company: Allied Collection Services, Inc. (Nevada)
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a payday loan with a lender, XXXX. They are tribal entity. It was a {$200.00} loan. On 2 separate occasions ( 1 I recorded and will attach ), I asked XXXX XXXX to take out the full amount owed on my next pay date. They did not do so either time, only taking out a finance fee. I noticed they were doing this so that they can continue to take out only the finance fee well past the amount I actually owed. As a result, I contacted XXXX and told them I considered the account paid in full and I closed my checking account. 

Apparently, XXXX has now sent this account to collections, Allied Collection Services in XXXX XXXX. This company has submitted negative entries onto my credit reports stating I still owe XXXX XXXX and it 's absolutely not true. Not to mention the fact they are reporting a trade line for a TRIBAL payday loan, which is illegal. XXXX violates Louisiana 's usury rates for payday loans.

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 2020-03-19
Company: ENOVA INTERNATIONAL, 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 information incorrect

Complaint:
Amid the corona virus scare, without warning and not due to my credit circumstance, this company decided to not allow me to borrow any money. I wasnt trying to borrow more, however, my credit line was XXXX. Now my credit line is being reported as what I owe at this time. Ive never missed a payment and in fact pay much more than is required. This company in my opinion is so selfish and XXXX for cutting customers ability to borrow and incorrectly reporting the situation. There was zero reason to cut my line of credit thereby damaging my credit score due to utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
According to the law 15 u.s. code 1681i- procedure in case of disputed accuracy.

If the completeness or accuracy of any of information contained in a consumers File at a consumer reporting agency is disputed by the consumer and the con notices the agency directly, or indirectly through a reseller, of such dispute, the Agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller Account # XXXX XXXX, Trans Union, 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