BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing this debt because I know that the amount is wrong and the account with XXXX was closed on XX/XX/XXXX, XXXX. I started service with XXXX XXXX in XXXX of XXXX and had 2 years to pay off the new phones and before services could be cancelled. The phones were paid off in XX/XX/XXXX despite one of the lines not being in use for over a year because of a lost phone. I called XXXX to cancel my service in XXXX of XXXX and it was officially cancelled on the XXXX. I never received any type of communication from XXXX that any money was owed or a final bill notice. Towards the end of XX/XX/XXXX, I received a collection notice in the mail regarding this account. I called XXXX customer service several times and was unable to get any information or this issue resolved because I had forgotten my passcode for the account and was told I had to go to a store to get this resolved. I went to the store located in the XXXX outlets in XXXX, GA on XX/XX/XXXX and was assisted by an employee named XXXX XXXX. XXXX called up customer service and was on the phone for over an hour trying to get this resolved. There was a female customer service representative on the phone and said that no money was owed, and the issue was resolved. A few weeks later I received another collection notice, and the amount was higher. I called up convergent on XX/XX/XXXX and explained the situation. I was told by the male rep on the phone to call XXXX and that a rep would assist me over the phone. I called XXXX again several times and kept being told that no information could be discussed without the account passcode. I went back to the XXXX store in XXXX on XX/XX/XXXX and spoke with the XXXX named XXXX XXXX XXXX I came in distressed and left in more distress than when I arrived. The manager was rude and by his physical body language he clearly did not want to help me. He told me it was out of their control and not to worry about it. XXXX XXXX happened to be there this day and I asked her to explain what happened when I was there last month. So the manager finally agreed to call customer service. After doing his research per XXXX XXXX XXXX I was still being billed for the second phone line and that there was no evidence that any bills were sent to me or any type of notifications. Per XXXX XXXX XXXX since I had already transferred to another service to not worry about this issue. After this visit at the store I received a third collection notice. How can a cell phone company justify billing a customer after they close their 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 2020-03-01
Company: Experian Information Solutions Inc.
State: NY
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:
Today XX/XX/2020 I received an alert that my XXXX XXXX/XXXX   bank credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on XXXX  but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.

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 2017-05-12
Company: Harley Davidson Financial Services Inc
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX starts calling 3 days after payment is due up to 3 times a day. XX/XX/XXXX. XXXX XXXX XXXX I have mailed payment early & continue to get late payments added to my account. This has occurred since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Two Automatic Clearing House ( ACH ) transactions in the amount of + {$20.00} and + {$370.00} were debited from Citibank and transferred to XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018 respectively. On XX/XX/2018, XXXX XXXX XXXX   returned the funds to the originator. However, the funds were returned to the checking account at Citibank which was closed on XX/XX/2018. 
Per XXXX XXXX XXXX, the trace information for the return transactions are listed below : ( {$370.00} Return Trace : XXXX ) & ( {$20.00} Return Trace : XXXX ). 
Moreover, XXXX XXXX XXXX is unable to take any additional action to reclaim the funds on my behalf.

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 2023-08-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on or about XX/XX/XXXX I placed an order for some curling irons, via my XXXX XXXX XXXX XXXX, XXXX XXXX, order was placed over the phone, & my XXXX XXXX XXXX XXXX, was used to pay for this order. Invoice XXXX was created. On XX/XX/XXXX I received some of the items I order, along with the invoice for what was shipped out. Invoice reads total amount charged to the card {$140.00}. 

I went online for Comenity Capital Bank, to make said payment. However, the total amount Comenity Capital Bank billed for this invoice on the statement {$140.00}. 
I called in multiple times and spent more than 4 hours total being transferred all over the place. I have been advised someone would call me back, no one ever has. On XX/XX/XXXX XXXX in Purchasing said it was interest. But I have never held a balance, always pay immediately. Then he advised it's customer service, and wanted too transfer me back to them. I just spent 2 hours with them and they transferred me to Purchasing. 

On XX/XX/XXXX I purchased items with a total of {$180.00}. But when I get my statement I have to pay {$180.00} else. Not {$180.00}. 

Today XX/XX/XXXXXXXX  My credit score dropped by 10 points because my debt increased. Comenity Capital Bank reported that I carried over a balance, and charged me {$2.00} interest on the {$1.00} they over charged my on my XX/XX/XXXX purchase. 
If I would have used nay other card that day, the sale would have been over & done. XXXX would have received their {$140.00} for the items I received. 

If Comenity Capital Bank rounds up purchases by a XXXX and we pay it, think of all the free money they get. That worked for them in XXXX. So for XXXX they try to get an extra {$1.00} with no explanation, no rhyme or reason. It's stealing and hoping no one notices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 
In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-06-23
Company: EQUIFAX, INC.
State: IL
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 I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My statements always appear in arrears, even when I pay electronically on the XXXX or the XXXX of each month. Make a comparison of when I pay versus the statement ; never been in arrears or late payment for this loan. However, the application or process time for Loan Depot to my account can take days or weeks to be executed. Each day and each time my payments are not applied as expected, the load incurs additional interest. 
Each statement I receive displays the account is behind. 
There is also a 15-day grace period on this loan. This has never had to use it except for a one-time exception when it was a Lender error. When that occurred, the Lender refused to apply for the payment until they resolved this issue internally, which took 15 days. I thought the servicer ( Loan Depot ) typically must credit a payment to your account the day they get it. That way, you don't owe extra fees, and the amount doesn't look late to the Lender. Late payments show up on your credit report and may affect your ability to get credit in the future. However, Loan Depot appears to engage in an old practice trick I used to see back when I was in banking- holding funds. This is probably not just done for my account alone ; I suspect this practice is done on many undeserving applicants. Some lenders use it to make money via additional interest and late fees, which is VERY illegal and unethical. A lender is not legally permitted to delay cashing a payment to charge a borrower late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: TN
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: PA
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:
Ive made contact with Expiran, XXXX  and XXXX  and investigations are in place. Expiran refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.

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 2023-06-23
Company: EQUIFAX, INC.
State: PA
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 writing to request that you remove certain utilization information listed on my consumer report due to not receiving all three disclosures about consent to furnish under 15 USC 1681a ( 2 ) exclusions, and the 15 USC 6802 obligation, regarding the privacy of personal information.

As I fall under these exclusions and obligations, I did not receive all three disclosures prior to providing my consent to furnish information, therefore, the following utilization information on my consumer report may be inaccurate or misrepresentative of my creditworthiness XXXX XXXX XXXX {$2500.00} out of {$2600.00} XXXX {$6800.00} out of {$7000.00} XXXX XXXX {$1900.00} out of {$2000.00} XXXX XXXXXXXX {$5400.00} out of {$6000.00} XXXX XXXX XXXX {$9400.00} out of {$10000.00XXXX XXXX XXXX {$1700.00} out of {$2000.00} XXXX XXXX XXXX {$2600.00} out of {$3000.00XXXX XXXX XXXX XXXXXXXX {$5800.00} out XXXX {$7000.00} XXXX XXXX XXXX  {$770.00} out of {$1000.00} XXXX XXXX XXXX XXXX {$1700.00} out of {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} out of {$6500.00} XXXX XXXX {$460.00} out of {$1000.00} XXXX {$730.00} out of {$2000.00} XXXX XXXX XXXX {$670.00} out of {$1900.00} XXXX XXXX XXXX XXXX {$580.00} out of {$2300.00} XXXX XXXX XXXX XXXX  {$59.00} out of {$850.00} XXXX XXXX XXXX  {$17.00} out of {$1100.00} XXXX XXXX XXXX XXXX XXXX out of {$2000.00} XXXX XXXX XXXX {$0.00} out of {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TN
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, 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:
Today on XX/XX/XXXX I called Equifax to inquire about the incorrect information on my credit report. I emailed XXXX XXXX and stated I was on hold waiting for a supervisor. The consumer affairs office picked up. This woman wasted XXXX minutes of my time. Each time Equifax is charged with doing their job its always a distraction. I have the Equifax Credit report and ONCE again incorrect information. They changed my password and I can no longer get into the portal to view my credit. 

Based on my emails and complaints Equifax dropped my credit score from XXXX to XXXX. This was retaliation. There is a security freeze on the account. No one is checking my credit. I do not use Equifax for anything. 

XXXX XXXX Equifax has the wrong date of the account being opened. The XXXX XXXX card was opened early XXXX not XX/XX/XXXX. Then the account is not listed as closed. The account has no date of removal after 7 years.Which 7 years is this month. 

This organization tried to be slick as usual. As they are asking for my verification I have the credit report in front of me going through the verification. As I already stated if outside counsel is necessary I will have no problems with it. Several complaints going at once. Then to be funny they keep sending complaints to XXXX Equifax. When they know the account is with its XXXX America Offices. 
The agenda is clear. The organization is XXXX and practices XXXX tactics against XXXX American customers. 
After I gave my email address, social security #, address, 7 credit card accounts all accounted for. Student loan accounts all accounted for yet she is asking for me to fax over ID and my Social Security card. Equifax has no integrity. Several data breaches and a settlement that still has not been settled. No one will get my social security card and when identity theft happens with their company they won't accept accountability if my information is lost, misplaced, or stolen. So since they need a complaint filed every step of the way I will gladly accommodate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: MA
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:
I have a XXXX XXXX XXXX Bank account that is supposed to be helping my credit as it is a secured credit card instead it is hurting my credit. The account # for this XXXX there is a late payment on XX/XX/2020 that is marked for 30 days late however, I have never missed this payment and this is a secured credit card as in my own funds. I need this error fixed asap with the 3 credit bureaus and as my only card this severely hurts my car as it is not allowing me to be able to go for rental applications.

Company response to consumer: Closed with explanation