BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inq

uiries 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 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 2021-08-29
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed 2 medical collection on my credit report from UCB ( United Collection Bureau ) I sent a letter on XX/XX/XXXX to UCB to dispute the negative accounts and the response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; Therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I sent a letter on XX/XX/XXXX in response to this letter asking UCB to provide me with proof of this dispute and all of the information they used to verify the account or to continue with my dispute if they could not provide that proof. The response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I feel as if my dispute isn't being taken serious, being ignored and discarded this is a violation of my consumer rights. I want these accounts removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The following accounts listed below have reported to my account. I am unaware of these listed inquiries. Please look in to the listed accounts. Thank You, 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 XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2023-02-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried the " Home Internet Service '' from XXXX. I was told I had 15 days to " try out '' the service free of charge. The connection was terrible. On day 8 of the " Trial Period '', I returned the WiFi antenna back to XXXX, with the XXXX shipping XXXX XXXX sent me, after 7 days of trying to get the XXXX shipping label from XXXX. I took a picture of the box and sticker when I took it to the XXXX  drop box office. Ever since then, XXXX has been attempting to collect {$350.00} for a mobile number they assigned to the WiFi antenna upon setting it up when it arrived, even though I had already returned the antenna back to them, withing the trial period. I sent them a " Cease and Desist '' letter on XX/XX/2023, via Certified Mail, attached. 

On XX/XX/2023 I received a letter from Convergent Outsourcing, a debt collector. Their address is : Convergent Outsourcing, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. ( XXXX ) XXXX. Reference # XXXX. This letter was to notify me that they were attempting to collect on the XXXX XXXX {$350.00}. I replied to them on XX/XX/2023, well before their XX/XX/2023 due date to notify them I was going to dispute the collection, simply because I did not owed XXXX or them, anything, period. I also sent the response and documentation via Certified Mail with copies attached to this complaint to the CFPB.

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 2019-12-22
Company: EQUIFAX, INC.
State: WI
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:
On my credit report with XXXX, XXXX and Equifax it states that USBK COURT XXXX WISCONSIN bankruptcy court is the one reporting a bankruptcy to them, in which the Bankruptcy court does not report anything to the credit agencies. I was also notified by XXXX that it was verified as accurate.I also sent them a certified letters asking the big 3 to send me something verifying with the courts that the bankruptcy is accurate as XXXX states thats the reporting individuals.I also have a credit freeze with multiple agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was recently going over my credit file and found some inaccurate items. I have no knowledge of this debt that they are saying I owe. I havent received any phone calls or letters about this, just random emails. In the emails it includes an account number and balance, but doesnt state anything about my right to dispute this debt. According to the FDCPA I am supposed to receive this information within the first 5 days of initial contact. This comes with a civil liability of {$1000.00}. In addition I would like the unverified account removed from my credit profile, as it is preventing me from receiving the funding I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Here is the email I attempted to send to the bank on XX/XX/2021 To whom it may concern, I am extremely unhappy with my experience with your bank. I opened this account on XX/XX/2021 in order to save money for my daughters college tuition. Your bank has made what should have been a happy occasion a very sad and stressful one. I have had the account for just one week and the only activity I have on my account account were two {$1000.00} deposits that I initiated from my checking account with XXXX XXXX dba/ XXXX. I also added my checking account with XXXX XXXX XXXX XXXX specifically to transfer funds from my military retirement  pay to my daughters tuition fund. Somewhere in this very limited activity you claim evidence of fraud. On XX/XX/XXXX I received an email from Synchrony Bank stating that my account had been restricted and that my available balance was no XXXX dollars. I have contacted your customer service department at XXXX on XX/XX/XXXX and have done all I can to demonstrate that I am the owner of the external accounts listed with my savings account. I confirmed all my information with your customer service representatives and I am more than willing to send further proof in the form of bank statements or put you in contact with my banks in order to confirm that I am the owner of these accounts. This is what I am told your reason was for restricting my accounts. I am told my second XXXX dollar transfer did not complete before you restricted my account and as a result will be sent back to the originating account shortly. I do pray that is the case as I intend to file a report with the CFPB https : //www.consumerfinance.gov immediately. I am uploading a copy of my monthly statement from my bank after I requested a means of proving ownership of my account to your bank. They immediately complied with my request and I expect this to serve as adequate proof that I own the account in question. I am sending screenshots of my credit union account to demonstrate proof of ownership also. I am also sending a copy of my drivers license with current address. I expect someone from your bank to contact me and clearly explain why this even took place and when my account will be available immediately. I have been patient and have done my utmost to assist in your " investigation '' but I will not wait 30-60 days for access to my money. I am a XXXX military veteran on a limited income. I can be reached at # # # # # # # # # # and anticipate a call as soon as possible. 



I was unable to send this email as the Synchrony Bank website kept returning the email as undeliverable.

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 2023-06-14
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that this account was erroneous. The Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2021-02-25
Company: The CBE Group, Inc.
State: VI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I learn on XX/XX/XXXX, I received a notification to my email that a charter bill is in my name. I contacted XXXX they said was no account. They re-age this account. According to XXXX XXXX XXXX back in XXXX it was on all credit reports. They was dispute due to this a fraudulent account. This is illegal. I would like for debt validation with my name SSN and drivers license. This company never sent a notice for the debtor my rights. My letter for debt validation and credit report is attach. 


SEND VALIDATION BY THE PORTAL Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Account Name : XXXX XXXX XXXX Account No. XXXX Balance : {$0.00} Account Name : : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Account Name : : XXXX XXXX Account XXXX. XXXX Balance : {$0.00} I would like to say first of all that this is a formal complaint against Equifax, XXXX, and XXXX. For the last XXXX months, I have disputed the accounts stated above to the credit bureaus and the debt colletors to ask for a reasonable investigation of the accounts. For the very reason that these accounts are reporting inconsistently in all three bureaus which has caused me distress because I couldn't get approved for credit. 

I have asked the credit bureaus to correct the reporting of XXXX XXXX XXXX. The date of last activity in XXXX  is reporting XX/XX/XXXX, while XXXX  is reporting XX/XX/XXXX. This information should be reporting the same in all bureaus correct? So how can they not correct this problem? If they can not properly validate these accounts, it should be fair that these problematic accounts are removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received an alert that SYNCB made a hard inquiry on my report, however, I didn't apply for any credit card from synchrony and affiliates..

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 2021-08-27
Company: Experian Information Solutions Inc.
State: NY
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 was looking through my credit report and I noticed that there are a few addresses where I've never resided. My actual address is listed below and a great portion of the negative accounts I do not recognize as being mine. I haven't received any of these debts at my current address, therefore I conclude the debts to be fraud as it pertains to me. The addresses I see on my credit report are as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY 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 2021-08-17
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I made a purchase from XXXX  XXXX for a weight bench and a set of hand weights. The order total was {$520.00}. The order was billed to my TD Bank XXXX XXXX XXXX account in 2 charges, I suppose because these 2 items were shipped in 2 shipments. The charges were {$310.00} for the bench and {$210.00} for the weight set. In error, I was double charged {$310.00}. My card balance should be {$520.00} but the balance is {$840.00}. I have tried numerous times to resolve the issue with being overfilled by {$310.00}. However, TD Bank and XXXX  XXXX are both unwilling to help me. TD Bank tells me that I need to call XXXX XXXX and XXXX XXXX tells me that I need to contact TD Bank. Neither company will assist in resolving, they only want to refer me to the other company. During my most recent call, TD Bank was extremely rude to me and told me that they have had no record of me ever calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: Rothberg Logan & Warsco LLP
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX of XXXX the Collection Agency contacted my Garnishee ( Employer ) to redirect the payments to them in violation to the FDCPA and BCFPA policy under Communication ... away from XXXX County Superior Court Clerk 's office before the Court granted Order was given on XX/XX/XXXX. 

This same Collection Agency operated in Indiana illegally for years without a license as it was required of them under the Indiana Code, if it was required from XXXX to XXXX, as well as, from the beginning of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received multiple emails from Firstsource Advantage regarding a balance that they are insisting that I owe in the amount of XXXX from XXXX XXXX. XXXX On XX/XX/2021, XX/XX/2021 and XX/XX/2021, I sent, by certified mail, a letter to the address of XXXX XXXX XXXX XXXX XXXX . NY XXXX, which is the address that they have listed in the email for mail correspondence. Every time the letter was delivered and I have proof that it was. Within the letter that I sent, I asked them to provide documentation verifying the debt that they claim that I owe them. I have not received a response from Firstsource Advantage even though I have reached out to them multiple times to clear the matter, instead I just keep receiving emails saying to contact them, which I have.! I have not done any business with XXXX XXXX XXXX therefore the debt is not mines!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602a states I have the rights of privacy.

15 USC 1681 section 2 the off state consumer report agency can not report without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CORELOGIC INC
State: TX
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:
In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-02-02
Company: Chime Financial Inc
State: TX
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:
On XX/XX/2023, I was charged {$100.00} through an app by the name of XXXX XXXX XXXX XXXX Though I recognize this company, and was looking forward to doing buisness with them they did not hold my reservation for rental car. 
Not only was the rental company ( XXXX ) unable to provide me a vehicle, they changed my desired pickup location in XXXX XXXX, to downtown XXXX off of XXXX XXXX. I battled with this company since day one, even told me that I wasnt eligible to be refunded, even though I purchased their peace of mind protecting which states if I encounter problems at counter then Id get a refund in THE FULL AMOUNT. 
Chime has since recieved all information, documentation and proof regarding my claim. They told me I wasnt eligible for provisional credit. Come to find out 4 days ago, CHIME MISCATAGORIZED MY DISPUTE and now Im having to wait even longer. Im told the dispute status will be resolved by the XXXX of XXXX.

Company response to consumer: Closed with monetary relief