BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: SC
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:
Convergent Outsourcing has been reporting a invalid account on my consumer report which is violating 15usc1681a-4 privacy obligation VIOLATION 1, they're not protecting me as a consumer. 2nd violation is 15usc1681b no permissible purpose to place on my consumer report without my consent or wet ink validation which is violation 15usc1681 section 604 a section 2. I have given them 15 days to provide proof that this account belongs to me and they have yet to do this. 15 days are up, so the account has to be removed. 5usc552a you broke the privacy law. I have a right to privacy 15usc 1681 section 602a. 
Accounts according to FCRA being violeted of my confidentiality rights are XXXX  XXXX XXXX XXXX XXXX according to my recent cfpb complaint they stated that they will stop all collection activity and remove from my consumer report First Progress XXXX 30 days Late 15usc1666b timing of payment violation 15usc1681a ( 1 ) a ( 2 ) transaction history excluded 15usc1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15usc1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any CRA if the person knows or has reasonable cause to believe info is inaccurate.

{$1000.00} per violation sued and or prisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for the American Express Platinum credit card over the phone in XXXX. The agent told me that I was qualified for a XXXX membership rewards points if I spend {$6000.00} within 6 months. Couple days later, I chatted online to make sure the offer sticks with the card ( see attachments ) and the answer that I was told was yes. 

Two months later, I was told the welcome offer was rejected. After the {$690.00} annual fee was paid as well as {$6000.00} spend requirement was met. Between XXXX and XXXX, I have been waiting for a resolution from Amex and the compensation that was offered was {$50.00} statement credit and they said no further escalation that could be done. Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Synovus Bank
State: FL
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:
I mailed a letter to first progress card, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: WELLS FARGO & COMPANY
State: MN
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 has been an ongoing issue with Wells Fargo for over a year now that is their error and has lowered my credit score over 30 points due to their negligence.

First, a credit card I've had for nearly 15 years was closed without warning. It was closed with no letter/call/email, my oldest credit card, and consequently significantly dropped my credit score. 

I filed a complaint with the CFPB a year ago - complaint XXXX - and Wells Fargo was ordered to reopen the account. 

They did. Only to close it again a week later. I found out about that in XXXX. They account was again reopened, but has still not been corrected on my credit report after many, many discussions with Wells Fargo, the most recent being about 60 days ago. The card has a tiny balance so that I can show it has actually is open and has been used. 

Please help! I plan to buy a house in the next 6 months and this ordeal is creating a tremendous amount of stress. I would really appreciate your help in ensuring credit report accurate, reflecting the 15 year credit history I have worked hard to build. It is clear that Wells Fargo does not care. Thank you.

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 2023-05-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are several addresses and spelling of names reflected on my consumer report that are not correct.

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 2020-09-30
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
. Date : XXXX, 2020. Amount : Total XXXX USD. Company : Remitly ( www.remitly.com ) I found Someone hacked my Remitly account on XXXX and took out cash from my debit card which was linked with the Remitly account. I reported this unauthorized activity case to the Remitly company on XXXX as soon as I found it. they said their consumer protect team will contact you within 24~48hr. but no feedback from them. 
so, I contacted and complained again on XXXX but their answer was always " I am sorry to hear that. and the Customer protection team will contact you for the next steps within 24~48hrs. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the American Express Gold Delta SkyMiles credit card on XX/XX/2018. The credit card offered XXXX bonus miles after spending {$2000.00} plus XXXX bonus miles after spending another {$1000.00}, plus a {$50.00} statement credit after my first purchase with XXXX. 

American Express reps now tell me that because I had this card before they will not honor the terms of the bonus offers. I have enclosed screenshots of the terms for the application and nowhere does it say that I would be ineligible for the bonus offer on this card because I had the card once in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: The Moore Law Group
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm in escrow to sell my house. The Title Company found an old Judgment against me in favor of XXXX XXXX recorded by The Moore Law Group in 2011. I contacted them to find out if I still owed money on it, and they told me they had no active records for this lien, but refused to help me any further. If any money is owed I will gladly pay it, but they are holding me up from selling my house, and I'm in danger of the buyer cancelling the sale if I can't clear title. My escrow is scheduled to close on XX/XX/XXXX, so I'm desperate for help!

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 2021-12-04
Company: Resurgent Capital Services L.P.
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:
I have reached out to this company XXXX times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once. 

I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC XXXX. 

Payment history is reporting and it should be blank filled. Account status reporting as closed with XXXX and open with XXXX. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations. 

LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX XXXX XXXX Account # Account Type Open Open Type Detail FactoringCompanyAccount CollectionServices FactoringCompanyAccount Finance Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
****SEE ATTACHMENT*** PLEASE - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX  XXXX  XXXX  for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: AFNI INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AFNI {$200.00} DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
BANK OF AMERICA Account # : XXXX Balance : {$9200.00} Gap insurance was placed on this vehicle at purchase. The insurance company confirmed to me that a payment was made to Bank of America. So this debt is inaccurate and unlawful, because it does not display the balance was paid off Via my gap insurance policy. 

Bank of America wrote my repossessed vehicle as a loss, and proceeded to report it on my credit report for going on 2 years. Even though the claimed amount was payed off via the gap insurance purchases when I leased the vehicle. A negative balance is showing on my credit report and it is inaccurate and false. These derogatory remarks on my credit report have impacted my getting a job, housing, and a vehicle. severely impacting my quality of life. I have filled over XXXX disputes with the company to remove information from my credit report and they have not. Just recently I discovered my Gap insurance policy and was notified it had indeed been paid, and Bank of America have been deceiving me and the credit reporting agencies for almost 2 years.

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: EQUIFAX, INC.
State: GA
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/20 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
What is it going to take for experian to properly investigate? As keeper of my private information, Experian needs to acquire the permissible permission used to access my credit report in XX/XX/2017 by XXXX XXXX XXXX XXXX. Instead of listening to their money making client deny, deny, deny and only then, Experian will realize the lack of permissible permission.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The list of accounts below has violated.my federally protected consumer rights to privacy and confidentiality under U.S.C 1681. 

XX/XX/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 2020-12-29
Company: Aspen Yo LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Gregory Funding has not paid my insurance which caused it to be terminated and nor my Taxes for the past year. Gregory Funding purchase my loan from another company with an escrow and I have been paying the same amount of mortgage and Gregory Funding not doing what they are suppose to do. Why do they even have my mortgage and my escrow account and not paying the bills?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XXXX of 2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. XXXX XXXX XXXX acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.

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 2020-02-07
Company: WELLS FARGO & COMPANY
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 XXXX, Wells Fargo wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. Wells Fargo Dealer Services confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with Wells Fargo, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, Wells Fargo Dealer Services was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to Wells Fargo Dealer Services through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, Wells Fargo has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where Wells Fargo wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!! Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in 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