BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: MI
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 account was reported to the credit in XXXX of 2014 for being late by XXXX, I was not late with my payment. There system would not let me make my payment and made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: OR
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:
I have a XXXX  XXXX XXXX XXXX XXXX collection account on my credit report that has been there for over 24 years that I have tried to get removed no end. My daughter is XXXX years old I only have XXXX child and she was stolen from me when she was XXXX. The child support court order was a fake order taken to the child support office to have it enforced and I didn't know it. I had hearings with the child support office to get it removed but they wouldn't without a court order and I couldn't get a court order because there was no original court order to begin with. Its been a nightmare. The credit reporting agencies will not stop or remove the collection on my account after 24 years its ridiculous. Its ruined my life. Having my daughter stolen ruined my life I had a complete mental breakdown that I didn't recover from for 16 years. I deserve a XXXX break! My daughter was born XX/XX/XXXX, she was emancipated when she was XXXX years old and she is going to be XXXX this year. 

Also listed on my credit reports are the same debt twice just under different names. Once for the original creditor then again for the collection company. I have unbelieveable amounts 40 to be exact of credit inquiries which I didn't authorize many of them are on there from auto loans and payday advances multiple times and credit multiple times. I live on SSI I get {$500.00} I don't apply for credit. My name is misspelled on my reports for the names they have listed and they won't remove it after I disputed it. There are other social security numbers listed on my credit reports and I have absolutely no idea why I am clueless to that. I only have one social security number and I have never used any other number than the one thats mine. The reports show I owe $ 72,000+ but the accounts I do owe don't total that amount so I have no idea where they are getting that figure. I'm so sick of this. 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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Theres a collection account from XXXX XXXX from XXXX XXXX that does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Absolute Resolutions Corp.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to this company because I saw their name was listed on credit report and I wanted to try to rectify this instead of taking Bankruptcy. Upon calling Absolute Resolutions, I realized and was informed that another company is managing the debt and they are simply recording the information to my credit bureau. They stated that XXXX  XXXX  at XXXX is managing this, but I have never received any communication from XXXX  XXXX  or from Absolute Resolutions in reference to this debt. In an attempt to try to settle the debt for {$1000.00} XXXX XXXX stated that Absolute Resolutions would not accept this offer. This is highly confusing to me. I never received anything that stated anything about this debt. I never got informed who to contact or call. Even when I spoke with XXXX XXXX, they did not even know my mailing address and throught I still lived in XXXX XXXX, FL, which I have not lived in for over 5 years. 

I really wish to settle, close, and have this collection removed from my credit report. If Absolute Resolutions has done something illegal in this endeavor, they need to zero out the account and remove this from my credit report immediately/ The offer is valid for {$1000.00} and I will not offer a XXXX more. Absolute Resolutions must handle this debt and a 3rd party of a 3rd party is not going to be acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the past 3 weeks Ive emailed this company in detail my issues using the information on their contact section of the website. My issue is that they are requesting me to pay them my loan payment ever since the student loan relief pause went away. Problem is Im still a full time student and have been for theee years nonstop. Thats suppose to be deferred until Im not. Their website says as long as my school updates the national clearing house site with my status their system will update every week from that info and it will stop asking for payments. Its been weeks and still the same and no response after 6 emails to various departments. Ive called during the day and been on hold for an hour but I cant stay on hold all day. Im worried they will repeat this as late to the credit bureaus which hurts me but thats not right cause I shouldnt have a payment to begin with. I need someone to please contact these people and have them do their jobs because this isnt right. I called my school for help which they did but told me all they can do is ensure my full time status was updated to the clearing house site so the loan company will see it and know Im in school now. I have perfect credit and cant afford for this to hurt me nor can I pay this bill because I was not suppose to even have it.

Company response to consumer: In progress
Consumer complaint received 2023-09-28
Company: Synovus Bank
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX my account was reported as 30 days late with a missed payment in XXXX but its still XXXX and I made a payment of XXXX bucks. I also lost this card due to covid. My mother was super sick and hospitalized and I had no way of getting the card becuse it fell between the crack of her seat ( car ). She contacts me and lets me know she found it. But I had no access to the online portal at all. Didnt know the name of this company and received no email. Its taking me years to build my credit profile and to get the cards Ive earned would take the next person a lifetime to get. I value my XXXX XXXX and a XXXX point loss is very harsh. I was also in the moving process in expensive XXXX texas and had no desire to be late. I just simply didjnt know where my card was or the name of company. Also, this card doesnt even come with a chip reader. If you look up my credit profile I have XXXX accounts and theyre all paid up. I dont deserve this and I pray my mother gets better and my health does too. I dont go 30 days with any my accounts not being paid. This card is just new to my profile and no due date was mentioned on email or a phone call or voice mail was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX Account # xxxxxxxxxxxx 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 a account without my written instructions.

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 2020-12-29
Company: CITIBANK, N.A.
State: MO
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:
Trying to get refund to original form of payment from Citibank visa for a charge for XXXX XXXX tickets for XX/XX/XXXX thru XXXX. This flight was cancelled by XXXX XXXX not by us. Citibank refuses to refund or let us appeal. We will lose {$2000.00}

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 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Dear Collections and Consumer Relations Dept. : As I have not heard back from you in over 30 days regarding my notice of dispute dated, I must presume that no proof in fact exists. Also attached is a FTC report regarding the fraudulent accounts in detail. 

Account : Name BANK OF AMERICA TEXAS Account # : XXXX, XXXX, and XXXX PLEASE DELETE FROM MY FILE You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you are reporting my name and social security number in error, and that this matter is permanently closed.

Your continued silence is unacceptable. You must either provide the proof or correct the record to remove the invalid entry from my XXXX XXXX file. You are currently in violation of the Fair Credit Reporting Act. 

Failure to respond within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reporting information on my report that is already paid and was to be deleted. 
This is a violation of my privacy and unfair The credit reporting agency can not report anything without my written consent This XXXX account # XXXX O balance was paid off and was told by a representative that it would be deleted once paid. I feel miss lead

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection Account by the name : CONVERGENT OUTSOURCING Date Opened : XX/XX/2022 Contacted the company via phone to request method of verification for the account. Received no response or pickup from the company.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This XXXX  Account : XXXX. Enhance Recovery CO L # XXXX has violated my rights According to FCRA. 

Be advise this is a Notice sent pursuant to the Fair Credit Collection Practices Act ( FRCA ) [ 15 USC 1692g ] stating stating your claim is disputed and validation is requested. 

This is not a request for " verification '' or proof of my mailing address, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 


At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws.

1. DEFAMATION OF CHARACTER ( per se ) 2.Negligent ENABLEMENT OF IDENTITY.

3. Fair Debt Collections Practices Act 15 USC 1692g VIOLATIONS 4. Fair Credit Reporting Act 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 USC 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
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:
I have a bankruptcy listed on my credit report under public records with Experian. I originally disputed this on XX/XX/XXXX under dispute XXXX. Experian 's XX/XX/XXXX Dispute results ( attachment 1 ) claimed that this information was verified by the US BK court listed on the report who states they do not report or communicate with the credit bureaus and to dispute directly with Experian ( see attachment 2 stating this as well ). 

I was given false information as Experian stated on the result notice US BK Court was the furnisher when they were not. Today XX/XX/XXXX I called Experian and they stated they would NOT DELETE this public record as it was verified by a 3rd party vendor but refused to provide that vendors information to me so I could dispute it with them directly. I suspect it is XXXX who has also published a statement they do not verify this data with Experian. ( see attachment 3 ). 

XX/XX/XXXX I filed a complaint with CFPB, XX/XX/XXXX they sent the same result that the item will remain even though they can not verify the item or provide the name of the furnisher despite their website stating they would. ( See att 4 ) I was hung up on by XXXX at Experian, and transferred to a manager by XXXX that just threw me into a mailbox. They have had over a year to correct this and I need this done immediately.

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 2018-10-11
Company: Resource Management Group
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was told I owe a debt that I never had and has never even shown up on my credit report and its 8 years old, statute of limitations in my state is 6 years, I asked for written copies of last payment made, original account number and when the account was opened and they told me they wont and dont have to give me that information because they are a third party but told me dates over the phone but no original account number and also said that they are going to impose liens and levies against me and are in the process of bringing a civil suit against me and are going after my name which will prevent me from getting a job in a bank or going into the military among other things and will show up on a background check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Somebody tried opening a {$15000.00} loan in my name in a bank  out of state. I tried contacting the bank  to get the situation taken care of and they never contacted me back.

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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