BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for a XXXX 'hotspot ' for my business. After a few months I attempted to cancel the service ; however, despite confirmation via phone, the service was not cancelled and I continued to receive bills. Then, via XXXX 's chat feature online, I cancelled again. This time the service was cancelled ; however, I continued to receive bills. I contacted XXXX again via chat to confirm there was no outstanding balance and that the account was closed. This was confirmed, but I continued to receive bills. Finally, I received a letter from a collections agency ( Convergent ) attempting to collect the alleged outstanding balance. I contacted XXXX XXXX more times and they confirmed the debt was not correct ; however, I continue to receive bills. I contacted Convergent and forwarded them my correspondence with XXXX to prove I don't owe anything, but they never responded. Please help me resolve this. 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 2023-06-14
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear CFPB, Today I got an alert from XXXX XXXX  that I have a credit due for a loan at FNB XXXX Bank. I have NEVER opened any account at FNB XXXX. This is a stolen identity or theft. I have attached screenshot of credit monitoring alert by 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 monetary relief
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: AP
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: Problem with personal statement of dispute

Complaint:
Hi. I had previously submitted a complaint re Equifax and their release of my personal information ( via a hack ). More specifically I had been unable to establish a TrustID account with them as they had promised to those of us " hacked ''. The complaint number is XXXX and was submitted on XX/XX/XXXX. 

My understanding of their response is I could not prove that I am XXXX XXXX. Although I applaud their security in this effort, what they did not tell me is how I can provide that I am in fact XXXX XXXX. I am happy to provide copies of my passport, driver 's license, etc. As proof of my identity and intent, I have attached a copy of this years Annual Credit Report Equifax provided me in XXXX of this year. I can provide much more documentation if Equifax will provide very specific instructions on the information they need. 

As a side note, I am a US Citizen working in XXXX at the XXXX XXXX. I can provide US Government orders showing this fact. I am a citizen of the US, pay US taxes and VA state taxes. Also, I will be finishing my tour in XXXX in XXXX of XXXX and will return to my previous address of XXXX XXXX XXXX, XXXX, VA XXXX around XX/XX/XXXX. 

Please, please, please let me know how I can fully establish a TrustID account! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$400.00} using XXXX through Chase mobile app. I contacted my bank ( Chase ) immediately but was told that I couldn't file a complaint yet bc the money was pending on my account even though the money had been transferred immediately into the scammers account. When I finally spoke to Chase after hours of being on hold, they said they dont dispute XXXX transfers but gave me a complaint number. They said they would let XXXX know and see if I could get a courtesy recovery of the money. I told them I knew alot of info on the scammer bc I did my own detective work i said i wanted to file a police report and any info they could give me would help. Not even 12 hours later I get email saying my case was closed. By this time I had filed a report on XXXX website. I called Chase n explained I wanted to file a police report n needed more info, they put me on hold to another department that supposedly handles that. Over an hour on hold n hung up bc my lunch break was over. Called back next day and was told there never was another department n wasn't sure why they put me on hold. So they gave me a case number to call XXXX with but wouldn't provide a phone number. Called XXXX n they said there is no such case number. Felt like Chase gave me run around twice n closed my complaint between XXXX and XXXX without investigating anything for me. I've banked with Chase for over 15 years. When I called XXXX they told me they couldn't get money back.which I said, if you know who's account it was sent to and you sent it to them why can't you take the money out of their account. I can provide lots of proof it was scam or fraud. They said they can't n they also can't provide any of that account holders info for my police report. I begged them to at least put a stop to the scammed. So they took some information I had like email addresses, phone numbers, XXXX account info n said they would flag their account. I don't understand if we have the person name, bank, email, phone number, address how I can't get my money returned from this person. Chase said I could get a courtesy recovery. Please help because {$400.00} is alot of money to me. And I feel that Chase did nothing to help n put me on false holds and gave me false case numbers to use n wouldn't even give me XXXX phone number. 
Chase complaint # XXXX XXXX case # XXXX? 
Transaction # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: NRA Group, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit report and found that a collection was posted to my account. 

The collection was filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The original debtor was XXXX XXXX XXXX XXXX, XXXX @ XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I NEVER received an actual bill nor notice from original creditor that alleged debt would be turned over to a collection agency. 

I NEVER had a chance to pay or resolve the original creditor before debt was parked with this collection agency. 

I can not pay a debit unless I receive a bill and/or notification of debt. 

As a result of this blindsiding collection attempt - my credit rating has been ruined! 

I am willing to resolve this debt with the original creditor if it is a legitimate debt, but most importantly I demand that this collection be removed from all credit bureaus it is reported to and that my excellent credit be restored.

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 2021-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my account with 5+ years of history and another with almost 3 years of history because of inputting the wrong checking account ( my direct deposit account for my paycheck allows ACH payments, my travel debit account does not ) so I had 2 ACH returned payments, they instantly closed my account and I did not receive a document stating they were closed until the next day. Make 1 mistake and they will close your accounts. Even made the full payment the following day with the correct checking account. After speaking with manager upon manager the only answer I received was " Capital One reserves the right to close your account for any reason we deem necessary '' Will never do business with them again. Really screwed up my credit history because of 1 mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
on XX/XX/XXXX  I filed a complaint with the credit reporting agency about my personal information being incorrect. As of XX/XX/XXXX  the information hasn't been corrected.

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 2023-04-27
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 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 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 2023-04-27
Company: Experian Information Solutions Inc.
State: AR
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 am submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX Balance : {$640.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance : {$640.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX XXXX XXXX Balance : {$31000.00} - As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If you can not ensure the accuracy of the information you are reporting, you must remove the account immediately. I demand that you take swift action to correct this matter, as any further delay or negligence will not be tolerated. 
XXXX XXXX XXXXXXXX XXXX Balance : {$310.00} - You are reporting a DELETED information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE this account 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 2022-01-30
Company: Experian Information Solutions Inc.
State: NC
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 have inquires on my credit report that i didn't authorize.

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 2022-12-29
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: APPLE FINANCIAL HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Sir Request being repeated Complaint against Apple Inc, California No Customer service My Daughter XXXX XXXX & Grand Daughter had come to XXXX last week. 
Daughter is staying at XXXX, Maryland, USA. She/Grand Daughter are back at USA. 

My rand Daughter front cover of XXXX  was damaged, so I requested my Daughter to Visit Apple Authorised Dealer. She Visited XXXX XXXX XXXXXXXX XXXX NOXXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, She was asked to come after 2 days. When XXXX visited your authorised dealer after 2 daysshe was informed that front cover/screen of XXXX is not available in the Market .However She was asked to visit some shop at XXXX XXXX XXXX XXXX. 

My Daughter visited the repair shop as instructed, she was asked to pay Rs XXXX [ INR ] in advance, amt paid on XX/XX/2018. & collect the XXXX  next day. My Daughter was to leave for USA next day, & XXXX XXXX was delivered next day morning. After reaching at USA She found XXXX gets hang on each start. XXXX is being used by my Grand Daughter. 

What is my humble appeal, My Daughter has taken trouble to find out your Authorised Dealer, again to trace out repair shop at XXXX XXXX, Paid Rs XXXX XXXX, but XXXX  is  not working. We appeal for your kind consideration. 

Thanking you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mary landXXXX XXXX XXXX XXXX PS- Sir Apple Inc has informed that consumer has no proof, appointment taken with Apple authorized service center, but we clarify [ 1 ] XXXX  was not handed over to service center since they had no front screen cover on hand [ 2 ] My relatives have inquired, no consumer takes prior appointment of Apple Service center. Consumer just visit Service center.

Apple should not misguide consumer, customer.

W feel humiliated, Apple do not trust Consumer/customer We only appeal, I XXXX be repaired at most reasonable cost XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Maryland-XXXX tel-XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been sending written correspondence to XXXX, XXXX and Transunion since XXXX of this year to try and get some help with the inaccurate information about this XXXX XXXX account. 

Initially, in XXXX I spoke with customer service at XXXX XXXX about the inaccuracies found on my credit report about late payments. The customer service representative told me that there was nothing they could do and that I should dispute them inaccuracies with the credit bureaus. 

I proceeded to reach out to the XXXX, XXXX AND TRANSUNION for assistance. It has been a total fiasco. Neither bureau has provided any records to support the information that is being reported. 

Each round of written correspondence would result in small changes, but newly updated inaccurate information. For example, most recently they changed a late payment in XXXX to on-time and then made a XXXX payment late. 

I do not know if they think this is a joke or if there is just a problem with the system, but I am very frustrated and concerned that I will not be able to get the information corrected nor the supporting documents. I have been working really hard to clear up discrepancies and have a positive payment history for the past 2 years with this account. 

There are also comments that say the car was repossessed. This was during XXXX, I fell behind on the payments. The car was towed from our driveway at about XXXXXXXX XXXX  and we paid and had the car back in our possession before lunchtime the very next day. 

I've asked XXXX XXXX and all XXXX Bureaus to possibly remove or amend the comments, but to no avail.

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 2023-09-01
Company: Union Home Mortgage Corp
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On XX/XX/2023 I submitted documentation to UHM for mortgage assistance. 
Loan number XXXXThe UNION HOME MORTGAGE IS THE LENDERXXXX XXXX XXXX XXXX OH XXXX XXXX 
I asked for a break from payments due to having hard time to catch up with my other bills and explained and attached statements showing I have no food or home related bills because I barely can pay for them and UHM stated their response time was 30 days. 
On day 30 I emailed, called they did not respond. Finally someone responded that they are still reviewing my request. That was on day 30.I called on day 31, they still did not respond.I kept on emailing, they kept on creating cases without answer and closing them as resolved.After calling someone on UHM end told me my request was denied without any explanation. 
At this moment, I am left out, purposefully, so I become default.UHM did not review my request or my proofs attached and stopped responding close to deadline so I get late on my payment.I find their practices deceptive and unjust.Soneone needs to investigate them ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 the Credit bureaus took more than 30 days to complete my investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2022-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Bilt card by Wells Fargo was compromised today with numerous fraud charges. My close friends card was compromised the previous day and now numerous reports on XXXX and XXXX are showing a mass fraud issue. Was there a data breach?

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 2023-05-16
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief