BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Lloyd & McDaniel, PLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, for the past year or so I have been getting letters attempting to collect a debt from XXXX from the XXXX companies of debt collection including, XXXX XXXX and XXXX and now Lloyd and McDaniel the creditors law firm. I have disputed all these attempts and sent verification requests which have either been ignored or once they sent an alleged copy of a monthly statement and have repeatedly ignored my requests for actual verification of debt and their legal ability to collect it, including an original contract, a purchase agreement for the debt from the original creditor, and more against the fair debt collection act. It seems that after I request verification they just transfer it to another company within their network to avoid the verification request or send not up to power verification. 

This is my last attempt to stop this harassment before seeking legal remedy for violations of the fair debt collection act. 

I would appreciate your help to stop this illegal collection techniques and efforts. 

It says the original file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open a business account for my business with Bank of America during the week of XXXX. Upon speaking with my business specialist who was setting up my account got a flag message and she told me I needed to call the recovery department I said ok. I was confused as to why I needed to call that department. Upon speaking with the young lady in the recovery department she informed me that I had an account in XX/XX/XXXX that closed in the early part of XXXX but these accounts were in bankruptcy I stated to her yes I filed XXXX  XXXX in XXXX on my personal ss # and i know you all aren't trying to collect on a bankruptcy she stated no maam we can not collect on this and you should be able to proceed to finish your business banking. I said ok thank you. I returned the call back to my business specialist and she told me before she proceeded to call back the recovery department and ask them to revise or remove the notes in the account to the underwriting can see them. Therefore, I returned the call back to the recovery department and informed her of what I needed to be done she told me that she couldn't make any changes to the account I will need to contact the risk department which she transferred me over and gave me their phone number and I spoke with a lady in this department that i also stated what I needed to be done and was told this department ins the only one that can do it. She stated that she couldn't revise or remove any notes from this account and I asked her why she said she didn't have to give me a reason that they can close the account for any reason and I don't need one. Therefore I stated to her that you all are blocking me from banking services which violates my rights and I will report you all to FCRA and the FTC she then went on to say let me ask my supervisor. Upon her return after speaking with her supervisor, she stated that I can go inside and apply and TRY to get approval, and if it goes through but it doesn't oh well I said what is that supposed to mean she then stated that they weren't gon na remove the notes and that I will never have any services with them of any kind so if the account does get open they will close it again. This is stopping me from getting the business things I need done and taken care of. without any good explanation to me maybe because I'm a XXXX XXXX  I'm unsure or because I filed bankruptcy on my personal accounts. Either way, I'm discouraged. Being rude toward customers isn't the way things should be handled.

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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, 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:
Dates from 2019 til now from same institutions over and over

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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Submitted a dispute with Transunion on XX/XX/2020 and dispute was to be completed by XX/XX/XXXX. Received an e-mail that there was a error and I need to re-dispute on XX/XX/2020. The dispute is that I paid XXXX XXXX off and I received a letter stating this .My report is supposed to read XXXX balance account closed paid/settled. Transunion is reporting account is still open and reporting an incorrect balance. They also lowered my score for disputing this. Trans union is refusing to look into this as if they are angry that I paid the account off. To ask me to file a dispuste again has reset the date to XX/XX/2020. If they would have done the first dispute the end time would have been XX/XX/XXXX. The other two bureaus XXXX  and XXXX are reporting correctly why aren't they. I feel they should finish this investigation by the original date. Which is XX/XX/2020. I know they make money this way but please report correctly. Original amount XXXX paid to XXXX amount and closed and settled on XX/XX/2020. Originally Disputed XX/XX/2020. Thanks

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 2023-01-07
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:
I am a natural peron, I am a living human being. I have rights under 15 USC 1681 Transunion is governed by 15 USC 1681 and they have violated my rights numerous times.

According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 

I demand the accounts listed below be removed XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX XXXX Acct XXXX 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. 

Also according to 15 USC 1681i, TransUnion shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have have verified it as accurate according to their reinvestigation but yet have an account with no account number. Evidence provided below with violation

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 2023-05-20
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
on XX/XX/2023 I requested to opt out of NFCU Credit reporting which is completely in the legal boundaries and holds legal validity per 12 CFR 1016. NFCU ignored my request completely and continued to report adverse actions on my consumer credit file although navy federal made it very clear to me that I did not owe navy federal anything by sending me a letter to my house ( attached ) stating they would not attempt to collect any debts from me. do to there negligence, my credit has had a tremendous negative affect which is taking a very bad toll on my life and has made it very difficult to take care of my family and my self acquired more credit for house hold purposes. I had very high expectation for navy federal and now I am very disappointed in their unprofessional and illegal business practices. I hope this was just a mistake non-intentional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
I sent my letter off on XXXX XXXX, 2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # .is noted on the attached documents. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: A-L FINANCIAL CORP
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 status incorrect

Complaint:
Dear Al-Financial Collection Manager : This letter is in response to your credit report entry related to the debt referenced above. 

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 

I did a pay for delete for the full outstanding amount through XXXX XXXX third party however your debt as AL-Financial still appears on XXXX credit report. I would like to please kindly ask that you fully remove. 


Ive worked very hard to get that amount paid off and be responsible and did so with the intention that it would remove AL-Financial as well but it was not. I have changed my financial circumstances and would ask that you understand to proceed with a goodwill adjustment. At the time of purchasing this vehicle my father took the responsibility to pay for it but he battled XXXX and ending up passing. So as he was sick I was unable to be responsible enough to cover. Please take this as a coachable moment and learning lesson. I am preparing to look into purchasing property and would like to kindly ask this item be removed from my credit report as it was fully paid in a pay for delete arrangement, it was just unclear whether the pay for delete would be with AL-Financial. The collector is now permanently closed so AL-Financial is the only point of contact. Please remove this collection completely from my XXXX. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. 


Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I received a letter from a debt collection company called Convergent Outsourcing. It gave an address on XXXX, WA. The letter stated I owed XXXX {$140.00}. I confirmed today with XXXX billing that I owe them nothing. Moreover, XXXXXXXX  stated they had not sent my account number XXXX had not been sent to any collection agency. However, the Convergent Outsourcing letter referenced this account number. Convergent Outsourcing 's account number for this collection attempt. is : XXXX. 

Recently, I paid a XXXX bill for {$70.00}. XXXX also billed {$71.00}, due XX/XX/2022 ; however, I was told, orally at a XXXX store, that the latter sum was to be pro rata reduced to only the amount owed for XXXX days of a month in which I discontinued service temporarily. Therefore, XXXX XXXX representative told me, I should not pay the {$71.00} but should wait for a credited sum to offset almost all of it. 

I have e-mailed Convergent Outsourcing to dispute the {$140.00} they claimed I owed. Web search reveals other customers of XXXX have made similar complaints about Convergent Outsourcing

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 2022-09-09
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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. Account XXXX : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: MI
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

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 2022-05-04
Company: Ladera Lending, Inc
State: SC
Product: Credit reporting, credit repair services, 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:
I spoke to this mortgage company about a potential loan. I was told they would take my info and send me an email requesting authorizing/more information. Instead they ran my credit without my consent. I called back 2 days later and complained and was dismissed by their mortgage person XXXX XXXX. Later that week, I received a call from their loan manager who told me they messed up and did not get authorization, he said the call was recorded and he listened to it. He guaranteed he would take my hard inquiry off my credit. 

It is still not removed a month later. 


Credit inquiry agency info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details On record until XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX  XX/XX/XXXX Balance : {$440.00} {$440.00} XXXX XX/XX/XXXX Balance : {$16000.00} 01 SYNCHRONY BANK XX/XX/XXXX Balance : {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Absolute Resolutions Corp.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ABSRES INV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.

Company response to consumer: Closed with explanation