BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is purposely using stall tactics so that they do not have to remove this information from my credit profile. I have already been harmed for quite a while from them as a consumer and as a citizen. They never sent me any information and continue to blatantly act as though they can not find my account. If you can not find my account, REMOVE this information and stop reporting to the credit bureaus effective immediately. I have repeatedly asked this company Receivables Management to provide the contract that I have signed with this company. I do not owe this debt that they have placed on my credit profile. The debt looks like it had an original balance of XXXX dollars to date the debt is well over XXXX dollars and increasing every week! Receivables Management is hitting my credit profile each week with negative information and increasing the debt XXXX dollars every week. This is illegal and is a direct violation of my rights as a consumer. This company is violating several FDCPA laws and refusing to uphold and operate ethically. Furthermore, I am not responsible for this debt. I am demanding that Receivables Management delete this account from my credit profile immediately as I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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:
I have been trying to resolve errors on my report since XX/XX/2021. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status The CRA states verified yet has not sent me proof. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. 

I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX   {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX CXXXX FRADULENT INQUIRIES : XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX BXXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10. 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 2020-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EXPERIAN ONLY erased ALL my credit history because I legally changed my name. I submitted an official copy of name change, social security and even birth certificate with old XXXX new driver license to all credit bureaus. Experian refuses to consider the legal proof I provided. Yet each time an inquiry comes through I am DENIED an apartment because they are keeping the 2013 eviction as part of my private file. This discrimination and I know that this could easily be corrected and I could at least have a place to decent live. Each apartment complex goes to Experian ... they need to submit in writing WHY the ignore my request but XXXX & XXXX accepted my legal court documents as legal proof of my past and present! 

Thanks for assistance in resolving this discriminatory act, that has me paid over {$350.00} in rental applications fees, decreases my credit score, denied apartments, purchase of cars, this must stop. I have spoken to EXPERIAN over 5 times including supervisor and no one seems to care or know how to handle this unfair act of discrimination based on name changes. 

Hard times are made to end when you work 2 jobs and create a XXXX, XXXX is unfair!!!!

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
IT'S BEEN MORE THAN 30 DAYS AND STILL NO UPDATE TO MY CREDIT REPORTING. PLEASE SEE THE ATTACHED DOCUMENT ; 2ND TO LAST PARAGRAPH. PLEASE UPDATE ASAP.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Unverifiable no data information XXXX  XXXX  XXXX Account Number : XXXX Delete this account immediately as you failed to perform an investigation 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX  XXXX XXXX  Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

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 2021-06-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
For a week, I was misled through a scam disguised as a job interview and hiring process for XXXX. I was literally tricked into sending this company all of the money out of my account through XXXX XXXX ( {$1300.00} ). I have since then called both my bank account and reopened an account ( TD bank ) and also contacted XXXX  XXXX  to reach no resolve. I closed my account and disputed charges, but they are saying that they can not redistribute my funds because it was sent through a third party they can not redistribute my funds. XXXX XXXX has also said the same thing. This was FRAUD and I can not receive the money I was scammed into sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to buy a new phone from google fi. I wanted to finance the purchase, so i applied for credit. I was approved. I recieved a store card after a few weeks. When i went to use the card to make the purchase, it says the card can not be used. I contacted support. they said the card can not be used to purchase a google fi phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
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: Information belongs to someone else

Complaint:
As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX  XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2021-08-19
Company: FinCo Services Inc DBA Current
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I file a dispute on XX/XX/XXXX and was informed that I was going to get a provisional credit for transfers that were pulled out of my account from current. And they send me emails about receiving dispute. Current even sent me email informing me that the dispute could ok say longer but a provisional credit will be return if they need more time. They told me that if the 10th day if they need more time. they will credit me. For a total of XXXX they sent me an email after I contact them about my provisional credit. Current closed my account. And I feel that they did that because they aren't following through with the dispute. I have emails and ticket conversation.im not happy with this scam through current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023 there was 12 unauthorized transfers in to my account, 5 un authorized transfers out of my account. I called NFCU ( Navy Federal Credit Union ) once there was an alert sent to my phone XXXX XXXX XX/XX/2023 to notify me of the activity I called NFCU to notify them that I did not authorize or approve of the transactions done to my account, my accounts were hacked and I my account and debit card was accessed. There was a 9 day investigation, no credit issued, the funds were overdraft to my account after the 9th day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: AZ
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-08-07
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:
I did not sign up for an account with XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested Equifax and XXXX to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: Second Round Limited Partnership, Austin, TX Branch
State: NV
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:
Dear CFPB, I am seeking help, my rights have be violated as per 809.Validation of debts Credit Reporting Act ( FCRA ) XXXX 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B ) by XXXX  & XXXX  regarding the reporting by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC. XXXX  & XXXX  has NOT conducted a proper investigation. XXXX  & XXXX  failed to properly respond to my letter with specific request for method of validation and has since now to put erroneous and inaccurate information on my credit report. Second round LLC has failed to report to XXXX  that this matter is in dispute prior adding it onto my credit report and by law can not pursue any credit reporting agency until the matter is resolved. XXXX  / XXXX  & Second round LLC has not legally validated this debt as per required by theFair Debt Collection Practice Act ( FDCPA ) 809 ( B ). A credit card statement is not a legal validation of debt as It is Not A CONTRACT. Second Round LLC has failed to produce any contract or ownership or legal assignment / transfer and or legal affidavit purchase of the debt. XXXX & XXXX  failed to properly obtain any such agreement in its investigation while clamming the account was verified by a " Statement page '' Reporting it as actual fact. Seeking Interest of fees without a contract is a violation of the FDCPA. Reporting inaccurate information is a violation as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 609 and Fair Debt Collection Practice Act ( FDCPA ) 809 ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: AL
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 Student loans had been in forbearance during a gap ( XXXX ) period that I spent XXXX abroad in XXXX. Ive since gone back to school. I called XXXX, to explain my situation and get info on my payment options during this period. The navient rep suggested placing my loans in forbearance during the gap and that I just needed to make sure and reply to their emails when came time to renew my forbearance. In XXXX of XXXX I realized I had a late payments for all XXXX loans from XX/XX/XXXX on my credit report. I contacted them XX/XX/XXXX and was told that my forbearance renewal date fell a few days before their XX/XX/XXXX reporting date and that they did not receive my request until the first of XXXX, I explained, however, that I had received the renewal email XX/XX/XXXX ( was early morning the XXXX for me in XXXX ) and replied the same day XX/XX/XXXX. He said there must have been an error and started a dispute and asked me to provide him with the emails in order to get it sorted out. I provided both the email I received and my reply along with the original emails. He was very helpful but it took the department until XX/XX/XXXX to reply, after I had called many times and finally spoke to someone higher up. 

After speaking to them the decision was emailed to me and states they can not change the error bc their system shows XX/XX/XXXX and believe the documents I sent have the potential to be faked/edited. So I again reached out to the manager I last spoke to, again everyone I spoke to was very helpful and nice, but stated her hands were tied but allowed me to provide more evidence authenticating the email and when it was sent in case it would change the situation but couldnt guarantee anything. So Ive sent the header using googles message header admin tool, highlighted the IP/time stamps to both the received and sent email ( original ), the message ID, and emails web archive, but as stated I was told they likely wont change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Convergent Outsourcing of XXXX XXXX XXXX XXXX XXXX, WA XXXX has added a debt to my credit file that was unaware of. I was never given the right to dispute this debt before it was added to my credit file and the debt does not belong to me. I have never had or applied for this account in or around XX/XX/2017. Convergent is listed as collecting a debt for the creditor 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 2022-08-13
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX 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 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from 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