BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: Convergent Resources, Inc.
State: VA
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:
Numerous calls about collection of account with XXXX XXXX, received a letter offering to settle the account. i took the settlement and paid dish network as instructed to do. now they started calling everyday and some times 2=3 times a day about payment on thia account. Dish deposited the check in early XXXX. Covergegent is co that is continuously calling i have instructed them not to call me as this account has been satisfied

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 2020-04-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am an identity theft victim. Someone stole my identity to open a credit card with American Express. I did not know anything until one day XXXX XXXX XXXX, XXXX. sent me a letter that said that I owe American Express {$10000.00}. I called American Express but they already closed that account. For the first time, I figured out I can check the credit report from my XXXX account. Someone stole my identity, opened, and used the credit cards : American Express and XXXX. I filed the report with www.identitytheft.gov and filed the police report with the XXXX Police Department. I filed I sent both reports to American Express and XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2020. I filed with XXXX, too and they resolved that credit debt. However, my problem is not resolved with American Express. When the police called me and asked me " do you want me to get a court order and ask these banks to disclose these accounts investigate this fault or do you just one to just want to get a police report ''. I thought these banks can solve my problems, so I just get a report. If American Express will not solve my problem, I will ask the police to get the court order to investigate this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : FST XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX  XXXX Credit Card company feels that we owe them XXXX and we closed the card explained that the pandemic hit my family quite hard. The are not in my state but now have hired a debt collection agency called The Law Offices of Harris and Zide. They sent a demanding letter say we owe XXXX. They have options on this letter to dispute it but there is nothing to dispute. They can't harrass me the way they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage Corporation is not following HUD guidance on the Corona-19 mortgage forbearance. They are requiring 6 pages of documentation and are only offering a 3 month forbearance on an FHA loan with the full amount due at the end of the period. This is on XXXX despite the order coming down on XXXX. After waiting on hold for 45 minutes at the suggestion of the HUD which states the program is available at all FHA servicers, Freedom explains that they do not offer that program.

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 2022-04-14
Company: MRS BPO, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This charge for the XXXX $ past due as of XX/XX/2020, was REMOVED for fraud, not once but twice and its effecting my credit score. I am exhausted with dealing with this. This needs to be REMOVED completely. I have contacted the company the same 2 times and they charged it off but WHY does it keep coming back!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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:
I just went over my credit reports and I noticed that there are some false accounts that are being reported on my credit. These accounts are derogatory and do not belong to me. I also have no knowledge of who could have gained access to my credit. Now because of this, I have no chance of obtaining any new credit. Please start an investigation into this issue and have these derogatory accounts deleted off my credit file.

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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... 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 2021-03-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC SYSTEM is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 explanation
Consumer complaint received 2023-06-03
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, I opened my checking account at XXXX XXXX branch with XXXX XXXX XXXX in XX/XX/2023, now im trying to access to my online banking and the system said that my accout is " on hold '', call customer service. 
I called customer service and they dindt help, I was requested to go to a branch, something is impossible because Im in XXXX right now. 
Also I never get my debit card and pin on my mailling address which is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a unsolicited letter from Wells Fargo on XX/XX/2020, stating that they needed me to unfreeze my account with XXXX  to approve me for a credit card. I never applied for a credit card with Wells Fargo. 

I am very concerned that someone applied for a card using my name. 

When I called the number provided, it was very suspicious. They asked for my Social Security number and I said no. Then they practically hung up on me. I called back and asked for a supervisor and she wanted my birth date. Again, I said no and she said she couldn't help me. 

I then went to the Wells Fargo Bank website and called their customer service number. The entire automated system sounded very different. Unfortunately, I never could connect to a person. 

I suspect this is fraud and they are posing as Wells Fargo. I don't know what to do about this problem. I don't like the fact that they have my information and that someone started an application in my name. 

I also know there have been problems with Wells Fargo and credit cards in the past. 

Thank you, 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 2021-03-02
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, we booked flights to XXXX, XXXX through XXXX. I am XXXX years old and can be forgetful sometimes. I need help from my son or daughter from time to time. Unfortunately in XXXX of XXXX, I filed a claim to Citi bank thinking that the charge of {$2400.00} ( from XXXX ) was a fraud and I was returned that amount to my bank account. We realized afterward that my XXXX trip was the one that was canceled and we called right away to re-book this trip which we did on XX/XX/XXXX. I was charged again the same amount so it was okay. Now, in XXXX all operations at XXXX stopped and they canceled my flights and hotel meaning that services were never rendered. I called Citi bank in early XX/XX/XXXX to file a claim on this charge from XXXX but Citi bank said I couldnt file a dispute again for the same charge. Now, I was not trying to file a dispute for fraud but for services not rendered. XXXX only sent me an email saying that my flight and my hotel were canceled but they never returned the money. I kept explaining to the representative at Citi bank that services were not rendered and that the claim should be under the XXXX claim code. Citi bank said they couldnt and would not even give me a chance to explain or file a dispute for this. It is not right that if services were not rendered and never occurred to not receive any help or guidance from Citi bank.

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 2023-03-04
Company: EQUIFAX, 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:
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 ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Bridgecrest Acceptance Corporation
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:
Bridgecrest XXXX loan reported a repossession on my credit report will out my cassette nor did they write me unletter to inform me that they will put that on my credit report I asked them to remove it and they refused to They received the vehicle back as well and the insurance paid for the damages to the vehicle because it was in a hit-and-run

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: GA
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 have made NUMEROUS unsuccessful attempts to remove the INACCURATE INFORMATION that appears on my Experian ACCOUNT ONLY! Per the credit report received XX/XX/2022, Public Records Information. 

If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third-party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, or visit https : XXXX. 

HOW is this possibly true. As I have attached the XXXX Report, they DO NOT have any records for me regarding bankruptcy and the letter from the Bankruptcy Courthouse. Therefore PLEASE ADVISE AS TO WHY THE INFORMATION CONTINUES TO REPORT AS VERIFIED.? XXXX AND XXXX REMOVED THE INACCURATE FRAUDULENT INFORMATION years ago, however, I have experienced issues beyond issues of EXPERIAN inaccurate reporting that have caused me stress, anxiety, heightening of my XXXX, Major XXXX, etc.. I have previously filed a complaint with CFPB, and they responded to you, and you ( EXPERIAN ) STILL did not REMOVE THE INACCURATE INFORMATION. Therefore, I will file a complaint with the FTC today and a lawsuit for damages I incurred due to the NEGLIGENCE OF EXPERIAN FALSE VERIFIED REPORTING. I AM ATTEMPTED TO PURCHASE MY HOME AND THIS HAS HINDERED ME, causing IRREPARABLE DAMAGE to include : 1. WILLFUL FAILURE TO EMPLOY REASONABLE PROCEDURES TO ENSURE MAXIMUM ACCURACY OF CREDIT REPORT 2. NEGLIGENT FAILURE TO EMPLOY REASONABLE PROCEDURES TO ENSURE MAXIMUM ACCURACY OF CREDIT REPORT 3. WILLFUL FAILURE TO REASONABLY REINVESTIGATE 4. NEGLIGENT FAILURE TO REASONABLY REINVESTIGATE 5. FAILURE TO INVESTIGATE Following this complaint, a complaint with be filed to the FTC with attachments for further 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-27
Company: National Credit Adjusters, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving copies of my credit report I found an account that I did not recognize. The names in which they are reporting under are The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCA, and National Credit Adjusters. I have tried to send debt validation letters to the companies and have received nothing in response. I believe this to be a fraudulent account. Not only that but it is reporting under the original debt names and a second account with NCA/National Credit Adjusters as a duplicate account hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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: Their investigation did not fix an error on your report

Complaint:
I called XXXX  XXXX XXXX and asked for them to remove my late payments from 2014 due to negligence from a third party company who was supposed to have a " proven program '' to eliminate or reduce monthly student loan payments. I also learned that the company was fraudulent and doing basic income driven repayment plans that anyone could do. I paid less than {$50.00} a year for them to do this but learned from the news coverage they were cheating the wealthier out of thousands a month. All my account have exceptional payment history and this company has scared my credit report and I have been back and forth between XXXX XXXX XXXX as well as the credit bureaus and they are both telling me that it is the other responsibility to update the files. I am lost at this point with no resolution and no way to go from here. I thank you for your assistance and any help that you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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 non-monetary relief