BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-29
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father recieved a letter from CONVERGENT OUTSOURCING, claiming that {$410.00}. The name on the letter is my last name, but not my first name. I checked my XXXX account and it says my balance is XXXX. I even added {$50.00} to the account to see if it would take it, and now my balance is {$50.00}. This is not my debt and I do n't know what recourse i should take.

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 2017-10-29
Company: EQUIFAX, INC.
State: LA
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 called XXXX and Equifax after receiving notification there were some changes made on my credit report. There almost XXXX inquiries that I do not recognize that are adversely affecting my report. I was told they could not be removed for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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:
Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA ( 1970 ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
Inquiries : XXXX XXXX XXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA ( 1970 ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 called Transunion and XXXX after receiving notification there were some changes made on my credit report. There almost XXXX inquiries that I do not recognize that are adversely affecting my report. I was told they could not be removed for 7 years.

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 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 checked my credit report on credit karma and realized I had inquires on my report that I don't recognize, they are all from 2021 Inquiry disputes XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Capital one bank XXXX XXXX Capital one auto financing XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: Oliver Adjustment Company of Kenosha & Racine, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I received a letter dated XX/XX/2021, from Oliver Adjustment company advising me of an attempt to collect a debt for XXXX XXXX XXXX XXXX in the amount of {$1400.00}. ( attached ) On XX/XX/2021, I sent an email to Oliver Adjustment attaching my letter advising them I dispute the debt due to the fact that this matter was settled. I also attached the cancelled check marked " settlement paid in full ''. ( attached ) On XX/XX/2021, I received an email from Oliver Adjustment advising me that they received my email and were awaiting word from their client ( XXXX XXXX XXXX ) re ; clarification of the charges. ( attached ) On XX/XX/2021, I received a phone call from Oliver Adjustment who left a voicemail. I called back, left message. They called back again, I answered and they attempted to collect the debt. ( recorded phone call ). I advised they couldn't do this until they validate the debt. ( pictured attached ) On XX/XX/2021, received a phone call from Oliver Adjustment. They left no voicemail and I was not able to answer in time. ( picture attached ). 

On XX/XX/2021, I received a letter from Oliver Adjustment dated XX/XX/2021, attempting to collect the debt again. ( attached ) Since my disputed letter of XX/XX/2021, I have received no validation of the debt, Just 3 attempts to collect.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Creditor : XXXXXXXX XXXX  XXXX Account : XXXX In accordance with the Fair Credit Act XXXX  Account has # XXXX has violated 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 consent.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Inquries : XXXX XX/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 In accordance to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquIries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C. 1681 section 602 A States I have the right to privacy.

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 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from XXXX and Transunion XXXX They are all dated for the year of XXXX and XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX XX/XX/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 2017-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX My husband and I requested our credit reports and to have our credit blocked due to the XXXX breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for XXXX and Experian so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on XX/XX/XXXX but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.

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 2017-10-29
Company: RGS Financial, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I moved from XXXX, XXXX to XXXX, XXXX due to job change and put my home in XXXX in the market and eventually sold in XX/XX/XXXX. I called my cable services ( XXXX XXXX XXXX ; A/C XXXX XXXX XXXX ), and they came on-site to disconnect on XX/XX/XXXX and took one of the cable modems ( I bought the other one ) with them. 

I received my last bill showing after the return of the equipment and adjustment my final is a credit to me for ( {$20.00} ), copy enclosed dated XX/XX/XXXX.  However, within a month I received a revised bill dated XX/XX/XXXX showing that I owe {$110.00}. I called them number of times and have records of most of them ( e.g., discussion on XX/XX/XXXX Ref # XXXX ) and tried to resolve XXXX XXXX changed position that I did not return the modem and hence should pay for it. Finally, In XX/XX/XXXX they informed me that they will refer to a credit collection agency ignoring my offer to settle it for 50 % of the disputed amount ( their counter offer was 20 % ). 

Finally, I started receiving calls and mail from RGS ( a  collection services company, XXXX ; A/C XXXX ), after sharing my documentation with them ( see enclosed e-mail ) and number of discussions they advised me to work with XXXX directly, they are not authorized to accept my repeated offer to settle for 50 %. In my discussion with XXXX XXXX from RGS on XX/XX/XXXX, he agreed with my position after review of records I shared with them, and since then RGS stopped calling me. Last time I tried to make a final offer to XXXX was on XX/XX/XXXX (  XXXX ), and it was declined as well. 

I have had excellent credit history with NO previous record of non-payment or late payment, my FICO score until recently was around XXXX. However, since this SINGLE incident reporting it has dropped to XXXX. 

Requesting your review and assistance with this matter, my cell is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Collection Bureau of America Ltd.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The number that calls ( XXXX ) says to call Collection Bureau of America at XXXX. It is a robo call that does not state whom they are trying to reach. 

I have had the number they are calling ( XXXX ) for less than a year. I think they are looking for whomever had the number previously. 

I called and they want me to leave them my name and number. I refuse until they tell me who they are looking for. 

I have had no debt since I paid off my mortgage in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
purchased bitcoin and erthrum coin from coinbase worth XXXX dollars to try it out and the money was frozen and they transfer from a simple debt card took days to transfer and the activity was paralysed and i lost the big gain the currency offered at the time of purchase and yet still they can not let you take your money out for next 18 days this i find really crazy and horrible plus the customer service do not respond nor answer their phone. the automated system is horrible and useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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 tried getting my student loans removed from my account, student loans according to t

itle 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer??? 15usc1681b no permissible purpose I need the documents that were physically signed in wet ink. 
It holds no value if it wasn't signed. Technically I never signed with XXXX or know who they are. It is considered fraud unless they provide all original documents. 
After signing, 180 days following the loan is paid off which is a surety bond. 
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: AL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-10-29
Company: Experian Information Solutions Inc.
State: NV
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 requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan

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 2017-10-29
Company: EQUIFAX, 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 disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from XXXX stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29
Company: Experian Information Solutions 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:
credit bureau still have not deleted these fraudulant accounts from my file I have filed a affidavit for identity theft sent it in.. why are they so crooked. this is not about making money from the consumers its about helping the consumer coming back from a identity theft. all kinds of FCRA laws have been broken.

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 2017-10-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A Georgia State Tax Lien appears on my credit report however, the court document for the tax lien, provided by the XXXX XXXX XXXX XXXX for XXXX XXXX, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( XXXX ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth. 

The Georgia XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last XXXX of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
Experian, XXXX, and XXXX  are erroneously reporting public record BK XXXX  on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - US BKPT CT CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V XXXX XXXX ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.

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