BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 I received a report from all XXXX credit bureaus stating SENSIBLE AUTO placed my account into Collections. 
On XX/XX/2023 I Disputed with all three Credit bureaus regarding XXXX XXXX. For starters XXXX XXXX illegally sent my account to collections months before the legal requirement of 180 days. As well as filed and sent me a copy of Form 1099C Cancellation of debt under code [ G ] signifying that all debt has been paid In Full. I sent this evidence to all XXXX Credit Bureau and they only changed the status from Collection to Paid In Full/After Charge off. 
I also noticed that the new reportings from the bureaus all had different last payment dates. 
XX/XX/2023 I Disputed again that this account should be closed and Paid in full and not a charge off or collection, and this time the reports status said Open and comments read late on no more then two payments past due. And the last payment made disappeared. 
I then contacted the bureaus and expressed to them that this is a form of Tax fraud from XXXX XXXX because they tried to charge off the car after filing a 1099c to cancel 100 percent of the debt and then try to send me to a collection agency to get more money out of me on top of trying to illegally repossessing my car. I have alerted the IRS of this matter as well.

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 2023-11-28
Company: EQUIFAX, INC.
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act Convergent Account # Rentreporters, XXXX ( UNKNOWN ACCOUNT NUMBER DUE TO REPORTING AGENCY NOT PROVIDING IT., Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. ! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.IN ADDITION, IT IS REPORTING IT AS A XXXX XXXX XXXX XXXX CREDIT CARD ( CLOSED ) AS RENT REPORTERS, 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 2020-02-08
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to XXXX due to a charge that was fraudulent. There was much back and forth between XXXX and myself however they did not side with me in this dispute and sent my account to collections, I paid the collection agency and all was resolved. I heard nothing for many months and I just received and email from Convergent Outsourcing stating that I owe the full amount and that Im obligated to pay 50 % at a sum of {$130.00} instead of the full {$260.00}. I have already paid off this debt and can assure that nothing is owed, however Im still receiving emails but no response from the company to show proof of debt.

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 2023-11-28
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: PMAB,LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX refuses to remove two accounts which are not mine. I disputed and they assume it is correct- IT IS NOT- I HAVE SPOKEN TO INDIVIDUALS IN XXXX, XXXX, XXXX AND  ITS NO WONDER MY CREDIT IS A MESS. THESE individuals speak little english and it is frustrating just for them to tell me they cant help me. How is it possible it takes someone 10 seconds to open a high intrest/credit card and me the rightful owner of the information almost a year to try and remove? This is a disgrace to anyone who works hard everyday and care about their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wrote Equifax 's President of Global Consumer Solutions XXXX XXXX to express my disappointment that my Equifax account has been locked out for months now and all the phone support representatives have been unable to help to get the account unlocked. 

The Tier 1 Equifax reps were happy to help lift the credit freeze, but they are unable to help me log into my account. 

Error message : We are temporarily unable to complete this request. Please try again later. 

This message hasn't changed in months despite trying multiple times a day for the past several days. 

Without the account, I can not : * File a dispute on my credit file * Obtain the free credit reports offered by Equifax * Lift my security freeze * Remove my security freeze The Tier 1 customer reps said I need to pay for a {$6.00} /month service to access my account again, which is an absolutely unreasonable request as accessing the Equifax account is necessary to perform the tasks above. 

In addition to the account login issue, I have verified through XXXX XXXX that Equifax doesn't have my XXXX XXXX XXXX card on file : - Opened : XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) - Credit limit : {$150000.00} In summary, I would like to request Equifax to fix the access issue with my account and fix the credit file to add the XXXX XXXX XXXX credit card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
there is a wrong info on this report and inaccurate information on Experian. The other two companies XXXX and XXXX has already removed this erroneous account from my report, for some reason Experian will not budge. II have sent them over 10 letters to supply the documents proving that what they report is true and they have refused to do so. yet Experian will not delete the account off my report even though they are not following the law.. They will not send me proof of there reporting. 

XXXX XXXX XXXX XXXX  Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Lease Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$7000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Experian CO CO CO OK OK OK OK OK OK OK OK 30 60 OK OK OK OK OK OK 30 OK OK OK OK 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 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I had XXXX in my impact account for a house flood with Truist mortgage. I was able to request the funds from impact to pay off the mortgage however they are stating the insurance company stated they paid me directly for XXXX XXXX that was for months of hotel stays and contents not included in checks sent to Truist my payoff was XXXX and the remainder was mailed with the incorrect amount the only disbursement I received was for the tear out XXXX. There is another missing XXXX XXXX dollars

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 2023-02-16
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:
In accordance with the fair credit reporting act XXXX  accounts # XXXXXXXX XXXX XXXX XXXX XXXX have 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 an account under an open end consumer credit plan as late for any reason.

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 2019-11-19
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Friday XX/XX/2019 Central Portfolio Control , Inc. Called my number it went to voicemail they left no message. The weekend before I received a letter of the debt that I owe but at this time I have no job to be able to comply to pay the debt that is owed. Monday XX/XX/2019 Central Portfolio Control called my house again all in 1 hour they repeated to call my house. 4 times they called my home this all happened at XXXX o'clock and the third time I pressed one to speak to someone and they hanged up again. XXXX o'clock they attempted to call me again and they hanged up again. XXXX o'clock they called again and they repeatedly hung up on me again. Now I rather to receive mail from them and to not call my home again because this is nonsense and unprofessional way to get a consumer to pay their debt. 
No more phone calls just contact me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is not an error or accident I received a letter stating this complain was not from me and it is in fact being submitted by me. Do not ignore my complaint as this is a serious issue that needs to be addressed. I travel a lot for my work so I dont have time to be on a phone waiting for hours to get this done.

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 2021-11-13
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX XXXX-Date of inquiry XX/XX/2020 "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt to CCS Collections was paid on XX/XX/XXXX. They later reported the account as a collection account to the Credit Bureaus on XX/XX/XXXX. I have requested that both they remove the account from my credit report however they have denied my request. When I initially paid the account I was told that it would not be reported to the credit bureaus upon my payment however they still did.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-11-13
Company: Sequoia Financial Services
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: Was not notified of investigation status or results

Complaint:
XXXX has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with Sequoia Financial Services or XXXX XXXX XXXX, XXXX. I do not have a signed contract with the alleged debt collectors. XXXX has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Hello, Thanks for this opportunity. I have paid the balances on my credit cards but it's still showing the previous balance thereby causing damage to my credit history. The purpose of paying off my debts is to have a good credit scores and that's not happening. 

Please, help me out. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have an adjustable rate home equity loan that originated with XXXX XXXX, was taken over by XXXX XXXX, then taken over by KeyBank. Roughly a 14 year old loan.

My loan terms include the option to convert to FIXED RATE at any time.

I went in to three local branches multiple times, and called the loan servicing department NUMEROUS times, over the course of at least 2-1/2 years, to inquire about using my fixed rate conversion option. Each time, I was referred out to a Loan officer for a refinance. I know where I went, who I spoke to, and short of recording phone calls and videotaping visits, I was declined each time and have no documentation. 
As recently as XXXX, I was AGAIN referred to a loan officer, and declined a refi.

ONLY when I complained to a branch manager about the loan officers HORRENDOUS customer service skills, did I find out that all this time, all that was required was a simple email request by a branch associate to complete the conversion to fixed rate. Bad training and unfortunately sitting with the wrong associates cost my husband and I thousands of dollars. HAD I NOT COMPLAINED ABOUT THE LOAN OFFICER, I WOULD STILL HAVE AN ADJUSTABLE RATE.

Ive reached out to The branch manager, XXXX, 5 times in XXXX - she refused to return ANY phone call. Not one. I am still a customer. 
The associates that I know I sat with, who admitted remembering me, and referring me to refi instead of converting in-house. Woman in XXXX had notes about me coming in. Then when I asked to use this info, changed her original response. 
The Mortgage Market Manager for east cost, XXXX XXXX XXXX, who said loan officers have no access or knowledge of fixed-rate conversions, and that they should be handled in the branch prior to being referred out. 
The regional Branch Manager XXXX XXXX who oversees all the branches I requested service, refused to return THREE VM phone calls. When I approached her in the branch, she said she would use the costly errors made on my account and horrendous customer service I received as a training tool. But do nothing to make things right.

Most disappointing was th Executive Response Team associate XXXX - refused to contact personnel in branches, told me recorded phone calls are only held for 60 days, notes on accounts only held for 60 days. Refused to allow me to plead my case with ANYONE other than HIM.

How many others are asking to take advantage of a right to origins, a fixed rate, one thats built into their loan, only to be referred out to a refinance department who has no ability or knowledge to do a simple in-house conversion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I am a victim of identity theft. The information listed below, XXXX XXXX XXXX, DEPT OF ED/XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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