BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted this Debt collection agency in writing with certified mail. Provided them with everything they need to know within the letter that I am a victim of identity thief. Provided the FTC Report with collection agency. Never gave this company consent to furnish anything negative on my consumer report. This information should be off my report immediately! Provided all the documentation on XX/XX/2022.

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 2022-05-19
Company: EQUIFAX, INC.
State: OK
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRUIST FINANCIAL CORPORATION
State: DE
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:
I had a joint account with Regional Acceptance Corporation that was charged off XXXX. 

Per my credit report, it states the debt owed is {$3000.00}. This debt is not reported on my spouse 's credit report It was a joint loan ), and they are not responding to calls at XXXX to obtain a copy of the debt so I can try to settle the debt. I have left messages on the general voicemail and a message with XXXX XXXX, the XXXX  XXXX. 

This is not my first time trying to settle this debt. I tried to resolve this debt in XXXX, XXXX. 

I have tried to dispute the debt, and they report back to the credit bureaus but not to me. 

I want them to respond to my inquiry and see if an arrangement can be met. 

My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX Acct # XXXX last XXXX XXXX Joint with XXXX XXXX XXXX XXXX Any assistance or guidance is appreciated.

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 2023-05-25
Company: EQUIFAX, INC.
State: LA
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:
I received a copy of my credit report, and I am finding debt that I have no knowledge of and I would like the creditor to remove from my credit report as it is making it hard for me to purchase a new home. The following are listed, and I am asking to be removed immediately : 1. XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX 2. XXXX XXXX XXXX CO {$310.00} XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX XXXX {$470.00} XX/XX/XXXX 4. XXXX  {$250.00} XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Experian Information Solutions 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:
CONTINUATION OF XXXX  AND AG COMPLAINT! 


XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020

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 2023-11-23
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband died XX/XX/XXXX. I notified all creditors including the First National Bank of Omaha on XX/XX/XXXX. I was told that I was " secondary '' on the credit card ending in XXXX. I explained that my husband opened the account in XXXX before we were married ( XX/XX/XXXX ). I further explained that I have never applied to be on the account and have never used the credit card. I explained that I wanted to close the account. 
A few days later I received a bill showing my name only due XX/XX/XXXX. acct ending in XXXX On XX/XX/XXXX I once again called FNBO. I was passed from a rep in billing to a rep in collections, a collections supervisor and a rep in fraud. I was told to submit an explanation. 
I submitted a letter dated XX/XX/XXXX explaining the situation and included a copy of my husbands death certificate. 

I received a letter dated XX/XX/XXXX from XXXX stating that " you completed the application '' and I am responsible for the bill. I received a statement indicating the balance is $ XXXX.with a new acct number ending 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 explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I asked the CRAs to take off old information, as XXXX now says that 3 year old information can be removed. I have been paying off my debts and cleaning my record. A woman at XXXX got mad at me and has since been destroying my credit information. She has been refusing to remove old information of delinquent payments, my loans that I just payed off have been completely removed from my history. Some paid items are still being reported as unpaid. XXXX is on my report with an old debt and the date is being shown as current and neither will remove the debt. Also every few days my score is dropped for no reason. It just shows XXXX points removed. Since my complaint, my score has dropped XXXX points and nothing has changed. They are systematically destroying my credit on purpose because I complained. They speak to me unprofessional, and are using their position to destroy my credit. Their behavior should be investigated federally.

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 2022-02-07
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been sold again - one of numerous sales since we closed on our home. In this transition from XXXX XXXX to Rocket Mortgage, there has been a lapse of all online records for over a week. In addition, there is no way to make payments to principal during the transition process. Lastly, I followed the transition insructions from both companies and made a principal payment prior to the transition as per the instructions. I received confirmation of the payment being received by XXXX prior but balance shown on the Rocket Mortgage site is wrong- it most likely does not include the principal payment. When I called Rocket Mortgage to address these issues, the representative was unable to access my mortgage account information and was informed that a manager would get back to me in 24 to 48 hours. This is truly outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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 XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2021-06-04
Company: SYNCHRONY FINANCIAL
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:
After finding the incorrect information on my credit report I contact the company SYNCB/car care XXXX XXXX and explain to them this was not my account I have no knowledge about what this account means they then explain that they understood and said that it was not me and that I needed to call the three credit bureaus and to report to them this information of an accurate nature then after calling them again they told me that they have found the problem and that it would be corrected and the error information would be taken off of my credit report this was not done. This began in XX/XX/2021 and now it is XX/XX/2021 after several or more attempt to rectify the problem they are holding me hostage with this miss information that is on my credit report. To look on my credit report will show that my credit is impeccable I never am a delinquent with my bills.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/2022 I received a credit monitoring alert from XXXXXXXX XXXX that, there were inquires made on my credit report. Upon checking my credit report, there were 3 credit card related inquires made. I called the banks that were involved to have those cards/accounts disabled. The credit bureau informed me that a formal complain is needed to have those queries removed from my credit report. 

These were the inquires made : XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXX  - Experian XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've received XXXX letters stating I owe differing amounts, most recently {$610.00} for animal wellness plan that was auto-renewed without my permission, signature or initials. I have a copy of the contract to prove. After filing a dispute with my bank- XXXX XXXX, they investigated the first amount charged {$47.00} on XX/XX/ and the claim was resolved in my favor because they vendor could not provide proof that they had my permission to auto renew the annual membership. This is a scam by XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. I have made numerous attempts to contact the company unsuccessfully and to cancel my membership and could not reach anyone. Their automated system does not even recognize my phone number linked to my original account.

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 2023-01-31
Company: EQUIFAX, INC.
State: MD
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:
A XXXXXXXX XXXX  account was made on my behalf, without my consent or permission and it has been created and reported on all 3 credit bureaus. 

My current account XXXXXXXX XXXX  by XXXX XXXX will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account XXXXXXXX would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sold my XXXX Toyota XXXX in XXXX of XXXX. The vehicle was paid off and I collected positive equity in the vehicle from the purchaser. I received a statement in my mail 3 weeks after the truck was sold. This statement was from Toyota Financial Services, saying the account was satisfied and the vehicle loan was paid off and my account was finalized. On XX/XX/XXXX  an automatic payment was taken from my account without my permission. When I called Toyota Financial Services the representative informed me the automatic payments on my account have been turned back on and there would be another payment processed in XXXX. The representative had no authority to stop the automatic payments. So I spoke with his manager and she didnt have the authority either. So I spoke with her manager and she didnt have the authority as well. Their solution to me was to go into the Toyota Financial Services phone app and stop the payments through the app on the phone. However because the truck is paid off and the account has been satisfied I have a restricted account and certain features are removed. I have no ability to stop these future automatic payments through the app. I informed the representative who then told me through the app I should remove my banking information. When I went into the app to remove my banking information the message this is a restricted account you dont have the following permissions is shown. So I cant remove my banking information. So I had to request a refund from Toyota Financial Services and call my own bank to order a stop payment from Toyota Financial Services. However it has been a week and I still dont have the money that was wrongfully taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
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 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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 Federal Credit Reporting act XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, and Dept of EducationXXXX 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.

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 2020-07-09
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Throughout the years of my credit I have ups and downs due to the economy. I have had high balances in credit cards but I always payed them off or pay on time. When I apply for credit they will deny me and this is what the response is.

Number of accounts with delinquency Ratio of balance to limit on bank revolving or other rev accounts too high Time since delinquency is too recent or unknown Length of time revolving accounts have been established I called experian and they said they can't give me any legal help. All I asked is why do I have this and is been years this has appeared and I don't know how to fix it. I called a financial help company they told me I can call and the lady I spoke to said there's no issues with my credit as I pay everything on time. All she said is to keep all my balances at 30 percent. Experian did not want to help or see how I can get rid of those messages as it's not letting me apply for credit and all my credit card companies are dropping my limit 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 explanation