BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Discover credit card was opened fraudulently with my information. After repeated disputes via credit bureaus the account still stands with the results " data furnisher verified information ''. However after repeated written and electronic requests sent to Discover personally requesting documentation obtained at time of opening/verifying the accounr, they have ignoredballbrequeats. ( Because I'm sure they do not have any ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Convergent Resources, Inc.
State: CA
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:
Convergent Outsourcing XXXX XXXX. : XXXX XXXX XXXX Account No. : XXXX ( Please see attachment for account in question ) Submitting Claim for violation of : US CODE 15 U.S.C. 1692e - False or Misleading Representations A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. 

I have reason to believe Convergent Outsourcing and XXXX XXXX are in violation of FDCPA guidelines by utilizing my information to collect a debt that is not owed by me. Please remove my account from your files and stop reporting this negative information to the credit agencies or I will be forced to sue for {$1000.00} in punitive damages.

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 2018-02-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, This company XXXX XXXX XXXX XXXX is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive asked all three credit XXXX to delete account : XXXX XXXX due to improper credit reporting under my FCRA rights that they have broken, they have continuously ignored the request and keep sending the investigation and collection back as ACCURATE when its not. 
This account was charged off which means it should not be reporting a past due balance or a balance. This dead account is also adding internet when it was already written off for {$3900.00} WITH A PAST DUE BAPANCE OF {$7600.00} so how can a CHARGE OFF collect interest and have a past due balance when they release this debt to a third party collection agency, An account can not have a payment history when the account is considered a " dead account. '' Remove ( XXXX XXXX ) from my credit report because you are continually reporting charged off status in the payment history all the way until ( XXXX XXXX ) when this account has been charged off on ( XX/XX/2020 ) You can not report a payment history on a dead account as it falsely manipulates the statute of limitations on when this account is supposed to fall off my report Because of this apparent neglect in assuring everything in my reports accurate consistent and up to date please " DELETE '' this item immediately : XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.

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 2022-10-20
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
15 usc 1692f. I was coerced in deceived to pay an alleged debt, which is a violation to my consumer rights. I submitted payment to a XXXX, a company I had no contract with. I submitted my dispute letter along with other documents and an invoice for my remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection has been reported on my credit report by XXXX. Despite my repeat dispute, they did not verify the address was not mine. As far as I know, I have never lived at the address or used the phone number listed in that account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
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: Their investigation did not fix an error on your report

Complaint:
I submitted documents where the collector states that I dont have an account with them and the bureaus continue to allow the collection on my report.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2022-11-17
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called on XXXX with a simple question about changing my homeowners policy and how is the easiest way to handle that. I spent nearly 45 minutes working my way through their phone tree before I finally got a live rep, during each transfer of the process I was told " this is an attempt to collect a debt ''. My mortgage has never been past due and is usually paid 5-8 weeks in ADVANCE. As of today I don't owe a payment until XX/XX/XXXX and they are trying to collect a debt? I finally got a customer service representative who refused to help me, I asked for someone else a supervisor/manager that could answer the question, she refused and then transferred me elsewhere. I will need instruction on how to change my insurance carrier and since it is impossible to work with PHH filing a complaint is the only way to get somebody to discuss this with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have filed a complaint with Wells Fargo. Case number : XXXX and XXXX Account ending number : XXXX Consumer Financial Protection Bureau, case numbers : XXXX and XXXX Wells Fargo XXXX 's response was : " The check may have been cashed at XXXX XXXX, but the check was processed at XXXX XXXX on XX/XX/XXXX I have attached an image of the check processed at XXXX XXXX for your records. 
I am now asking Wells Fargo to : Verify that XXXX XXXX XXXXXXXX XXXX deposits the {$25.00} check into the XXXX XXXX XXXXXXXX XXXX  weitong account. 
What I can provide is the statement of the account of XX/XX/ XXXX XXXX XXXX XXXX weitong. It turns out that the check was not deposited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, 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:
By the grace of god ; I Man deny this account. Who is the man verifying that i opened this account? I acknowledge that this debt was established without my knowledge and i have no contractual agreement with this company. Police report and FTC report enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TRANSUNION is posting 3 inquiries i dont recognize and did not authorize. They are not connected to any active accounts. They requested FTC which i have provided and the 3 inquiries are still on my report and are impacting my score and life. Please remove these 3 inquiries. They are listed below 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 2022-04-08
Company: Exeter Finance Corp.
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 requested a bankruptcy on my credit report be verified and validated, and if it can not it must be deleted. I got notification that it had been verified but I also received a letter from US bankruptcy court that they do not verify and information with credit reporting agencies. So I was given false information as to the validity of this item knowingly and willingly ruining my credit report and character. It is against the law to report unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NE
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:
XXXX XXXX XXXX  shows an installment loan in my credit bureau reports which I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2022-04-08
Company: FirstPoint Collection Resources
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I broke my wrist and went to XXXX XXXX XXXX to fix it on XX/XX/XXXX. After discharge, I received a bill from the hospital. I paid this hospital bill in full. Beside the hospital bill, I also received a bill of {$5400.00} from XXXX XXXX. I called them up, I informed them that I already paid the hospital bill, and they need to contact the hospital for their payment. Few months after that, I received another bill with the payment of {$1600.00} from XXXX XXXX again. I called them back again, and told them that I do not know them and did not call them for any service. If they have a contract to provide the service at the hospital, and they do not get paid enough from the hospital. They can not pass the rest of the payment to me. Its a problem between the hospital and this service. 
I already paid the hospital bill in full. 
XXXX XXXX sent the bill to FirstPoint Collection Agency, I called this agency on XX/XX/XXXX to explain my situation, and reported that I paid the hospital bill for my XXXX on XX/XX/XXXX. I do not know or do not call for any other services while being hospitalized at XXXX XXXX XXXX. Im not response for any payment if the hospital did not pay enough to his/her contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I recieved a report from XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX ) XXXX, which indicated a closed account from XXXX  XXXX auto opened in XX/XX/XXXX, but was removed from my credit report in XXXX, due to being older than 7 years I recieved this credit alert from equifax, XXXX in XXXX that it fell off my credit report. on XX/XX/XXXX, I see it's been placed back on my credit report in XX/XX/XXXX by this agency and when I logged in to see Equifax credit report and look at my closed accounts, XXXX  XXXX shows ( Closed Account ) but it's there to view and it's been there for XXXX  year and XXXX  months, so my complaint is why is it there it shouldn't even show, for XXXX  years XXXX months they've had this on my report, I want it removed because eventhough these account show closed, they are still sending out old information that should not be reported. This is causing me to pay more and keeping my credit score down, please enforce this and make them remove any and all closed accounts. Their disclaimer even states that these accounts are removed after 7 years, it's been XXXX, they should remove all of those closed accounts that way this will not happen again, and I'm asking that they be sued because this keeps certain groups of people credit scores down and that's discrimination, its also fraudulent because on one hand their telling us that this information is not being reported it's closed yet it shows up, so they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX under Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In Middle of XXXX of 2020 I had contacted American Express about putting a COVID hold on my account due I was not sure what was going on with work. When I spoke to the lady on the phone she told me that they placed a it under the COVID forgiveness for the next 6 moths and if I didn't make a payment I would not get hit on my credit. I unfortunately got hit with a 30day late on my account for XXXX. I been trying to contact and speak to them but they stating that there is nothing they can do about it. I feel like this is an error on their part. I don't have any late 's ever on any of my cards nor this account. If they would have not said not to worry about the credit reporting i would have done what I could to even make the minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify and/ or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: LD Holdings Group, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out an application with XXXX XXXX of Loan depot at the beginning of XX/XX/XXXX. We began communication about my loan application XX/XX/2019 at that time i emailed him the requested information of my pay-stubs so he could determine my hours worked. I then contacted XXXX again via text on XX/XX/XXXX asking is there anymore info needed as i have not heard back from him since i filled out the application. At that time he asked how much we would be able to put towards a down payment. I let him know at that moment i had XXXX in savings. On XX/XX/2019 XXXX emailed me a screenshot of a pre-approval letter because we.Between this time we had been in communication on different homes we had found. He even set us up with a agent to look at homes. When we found a home that we liked per XXXX we were all good to go under a contract with the seller. We gave our XXXX earnest money  and had an inspection and apprasal done on the home. After not hearing back from XXXX as to the status of a closing date or any information as far as where we are in the process. XXXX very rudely told me he did not work for me and disconnected the call. I then called the customer service and was given contact information of his supervisor XXXX XXXX. XXXX went on to tell me my application was denied. No one was able to explain why we got an inspection and apprasial on a house we could not get. Now Mr XXXX is not answering my question of when i will recieve my refund as he asked me to provide him with proof of payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Nationstar they increased my escrow by almost {$1500.00} when neither my taxes or insurance went up..they bounced my escrow school tax payment that they said they paid in XX/XX/XXXX but was n't actually paid until XX/XX/XXXX..I asked in XX/XX/XXXX and sent them a note stating I wanted to pay my own taxes and insurance since I was with them over one year ..and original loan before it was sold too them that I had put 20 % down and all payments were on time ... I started sending in XX/XX/XXXX just the principal & interest..which they accepted..Then I sent in my XX/XX/XXXX payment for the same amount they said they never received it..I called on the XX/XX/XXXX for them to take the payment over the phone on XX/XX/2017 and they said wait a few days too see if the check comes in..I said I do n't want a late payment on my account I have excellent credit..The said they would n't charge a late payment ... I spoke to the escrow dept and they said no problem it will take about 7-10 days to approve my request..once I did that the online payment and the statement payment does n't match up ... They sent a letter stating my account was 30 days past due ... it has never been late ..now they put it in as a negative remark on my credit score ..I had a credit score of XXXX and now it 's XXXX down XXXX points ... I paid them {$920.00} online up from {$820.00} and they are stating my payment is over due ... the want {$970.00} ..they are making me mentally & physically ill..I do n't know what to do anymore ..I 'm on XXXX and a fixed income ... Please help..Thank you

Company response to consumer: Closed with explanation