BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Convergent Resources, Inc.
State: LA
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:
My Name is XXXX XXXX, Im making this complaint against Convergent Outsourcing INC. for committing identity theft. I have never given Convergent Outsourcing INC any permission to use any of my identifying information to commit mail fraud by contacting me about and alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Convergent Outsourcing Inc can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and Convergent Outsourcing Inc continues its collection efforts, I will file litigation for actual damages caused and Convergent Outsourcing Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the receipt and documents herein and of this Notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Account # - 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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The information reporting on my credit report is incorrect via two ( 2 ) accounts, accounts I deemed to be fraudulent because they are Not mines. Please remove and block these 2 accounts, 1 ) XXXX XXXX {$580.00} 2 ) XXXX XXXX {$240.00} I've also asked for physical documentation, id vertification and signatures to these accounts, or in accordance with the FCRA these accounts shall be removed The credit reporting agencies are depending on electronic Verification inwhich can not be accepted as proof. So either I'm provided with this certified physical documentation or the accounts should be removed.

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 2018-02-19
Company: BB&T CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Sequium Asset Solutions, LLC
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:
I do believe the neighbor in which the local court granted me a protection order against for stalking/harassment because of the evidence I presented to the court from security cameras is who opened this account in my name. 
The XXXX box on my outside wall was found to have a splitter attached to the main line coming in then split off to another cable in which ran to his townhouse. XXXX county civil court case number XXXX Divison XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: AZ
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 15 USC 1681. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Account status : Unpaid Amount : {$1700.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Illegal Lien on House Property Debt belongs to my spouse not me. 
House belongs and is registered only to me. 
Collected more than the debt Did not ever notified by mail, email, phone call prior Never divulged name of creditor. 
( XXXX  # XXXX ) The debt was from XXXX and a judgement was established on XX/XX/XXXX in XXXX XXXX by Portfolio Recovery Associates LLC Assignee of XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
The debt was paid on XX/XX/XXXX by XXXX XXXX XXXX for {$1100.00}. However the debt belonged to XXXX XXXX XXXX ( Spouse ). The home is register only to XXXX XXXX XXXX and XXXX XXXX is not a co-owner of the property. A lawsuit is being considered against Portfolio Recovery Associates for damages of credit, Illegal Lien to the home/property

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Upon taking out a loan on my home, I was not informed that my fixed rate would change to a variable rate. It was done without me being informed or my consent. This happened around XXXX to XXXX. It has made it a great hardship for me as it made it difficult and even harder for me to come up with the payments. This hardship has also caused me to file for bankruptcy in XXXX. This has brought me great grief!

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: CL Holdings LLC
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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Jefferson Capital Systems , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Core Capital Lending LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX some XXXX XXXX XXXX of core capital lending XXXX XXXX and XXXXask me for money upfront XXXX to start the process and deposit on his account..he said thats the only way he can started the processon ( RESPA ) lines prohibits person from paying or accepting money or other bribes whit the understanding that they will receive business in return..plesase contact me if you need extra information XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a medical bill that was sold to a bill collector, suspect representatives, XXXXXXXX XXXX XXXX XXXX XXXX XXXX bought this debt and sold to another collection agency, who sold the loan again to mid XXXX. I never did business with XXXX XXXX and I was threatened to pay by telling me it will ruin my credit. This is the only discrepancy on my credit for a reason, because it was a fraudulent action, initially created by XXXXXXXX XXXX XXXXXXXX. Why isnt the question being asked what is the actual debt? Are they claiming to be a credit agency? Do they have my signature on any documents? I can not get this company to act professional for a reason, they are being fraudulent. This has been changing names for more than 10 years so this never will be removed from my credit. Its a medical bill that was bought by a collection agency and the collection agency changes debt collector every 7 yrs. This is a matter of principle. I tried over 10 years ago with XXXXXXXX XXXX XXXXXXXX they threatened everything under the sun. Yet they are a collection agency that resorts to illegal actions to get a collection paid. Even if it means to lie about the true debt which in this case was a doctors office who put in insurance paperwork late, and I changed insurance companies so they sent me the bill. Which I didnt pay because I had insurance at the time of the visit. The doctors office made the mistake and filed late paperwork, and they didnt get paid so they came after me. I ignored the bill from the doctors and next thing I knew XXXXXXXX XXXX XXXX XXXX aka bill collectors threatened to ruin me. Since it was a medical bill I didnt see how they could accomplish ruining my credit. But they did apparently and resold a medical bill as a debt. I made this statement twice now on record with credit bureaus. Keep in mind this has been going on for over 10 yrs so I no longer have these threatening letters from the collection agency aka XXXXXXXX XXXX XXXXXXXX or the doctors bill. So XXXX XXXX out of luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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, 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 2020-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not good.I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The complaint is about an unauthorized wire transfer from my checking account at Citibank that went through. 

- on XX/XX/22, I received an email stating that I added a payee to my list of payees on my accounts at Citibank. Then it was followed by several emails stating that wire transfers have be submitted to that payee from my checking account. One of the wire transfers of {$7500.00} was approved. Other wire transfers of {$50000.00}, {$14000.00} and {$7500.00} were cancelled by the bank. These were from my checking account ending in XXXX. ( now deactivated ) - Once I saw the emails, I immediately called the bank. While I was waiting to get hold of someone, Citibank also was trying to call me. So finally I was able to speak with the bank and confirmed the fraud. They told me that one of the transfers went through and the amount was {$7500.00}. I was told that I need to complete and submit an Affidavit of unauthorized wire transfer/ - The name of person who hacked the account is XXXX XXXX XXXX The money was wired to a XXXX XXXX account ending in XXXX. 
- The Affidavit was sent and received on XX/XX/22. I was given a case number : XXXX - on XX/XX/22 Citibank informed XXXX bank of the fraud - XXXX XX/XX/22 Citibank received a message from XXXX XXXX confirming that the money was credited to the hacker - on XX/XX/22 XXXX XXXX stated the hacker 's account is closed and the money could be accessed or retrieved and they are unable to return the money to Citibank. 

During all that time, I have been in contact with Citibank nearly on a weekly basis, checking the status of the investigation and why it is taking so long and why I haven't gotten my money back. The only answers I get is that it takes 30 to 60 days to complete the investigation and at the end of 60 days I will receive a letter about the results of the investigation. They never would tell me if they will credit back the money or not. 
- last call made to Citibank was on XX/XX/22 after more than 60 days have passed. I was given a new case # XXXX which was apparently created on XX/XX/22. I was told that the investigation is still ongoing and they have no updates. I was told that there is a delay but they could not tell me the reason of the delay. When I asked for a timeline to finalized the investigation ( since they exceeded the 60 days period ), they were not able to give me one. 
- Here I am, now 70 days after the initial fraud, without any answer from Citibank and without the stolen money credited back at least temporarily.

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 monetary relief
Consumer complaint received 2022-02-18
Company: Earm LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This to complain regarding a debt collector agency by the name of XXXX  phone number ( XXXX ) XXXX. My wife received a text regarding a debt and some account requested to be block. Not sure if is fraud or a real collection agency.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number : XXXX, 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  XXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IDEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MYCREFIT REPORT DAMAGING MY LIFE.

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 2020-03-23
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 received a call from a student loan company stating about a debt I owed. 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. 

DPT ED/XXXX  XXXX {$650.00} XXXX  XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX  XXXX  XXXX  XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$650.00}

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 explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.

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 2022-03-29
Company: LEXISNEXIS
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:
Lexis Nexis, and XXXX have all reported a bankruptcy that was not reported to them the account is not accurate under 15 USC 1681e ( b ) the furnish name is US Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account that has been confirmed to be fraud. Please make sure that the bureaus follow through that the account is 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 non-monetary relief