BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-04
Company: Convergent Resources, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several bills from Convergent saying I owe {$1700.00} to XXXX XXXX XXXX. The most recently dated XX/XX/20. 
This is a fraudulent claim. Years ago the same fraudulent claim was made, I researched it, disputed it and it was found to be fraudulent and therefore was dismissed. 
It has now resurfaced again. 
This company is committing fraud for demanding I pay money for a debt I did not incur.

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 2019-09-08
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts being disputed is unknown and unauthorized by me. I'm asking for these following accounts to be removed from my credit file. 

1 ) XXXX XXXX  {$1600.00} 2 ) XXXX XXXX {$170.00} 3 ) XXXX XXXX {$240.00} 4 ) XXXX XXXX XXXX  {$110.00} 5 ) XXXX XXXX XXXX {$860.00} 6 ) XXXX {$47.00} 7 ) 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 2020-10-12
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2019-09-08
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: Account information incorrect

Complaint:
This company XXXX has re-aged the information contained in my credit file and has violated the FCRA. I stated a credit report dispute and they have instead verified the information that shows recent activity well after the account was closed, i.e. Last Reported XX/XX/XXXX, Shows late payments in XX/XX/XXXX and XX/XX/XXXX when the account was closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting my credit card account as closed. The account is still open and has never been closed. I have filed disputes with all 3 bureaus and they are still reporting my credit card as closed. My account is current and open.

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 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
XX/XX/2019 XXXX XXXX ( XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : FIFTH Notice of unauthorized use of credit Card Account Number ACCOUNT ENDING IN XXXX Dear Sir or Madam : I am the victim of identity theft. My CREDIT card was used for an unauthorized transactions on numerous dates. I have enclosed copies of my statements indicating the charges, illegal charges. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. I previously notified you via telephone when these charges were initially discovered on XX/XX/2019 in reference to the merchants listed on the attached documents, I spent 6 hours on the phone with your customer service, fraud dept, and numerous other divisions that refused to help and never received any help having the charges reversed I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost [ or stolen ] ATM/Debit Card [ or unauthorized transaction ]. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : See Attached ( The total amount of the fraudulent charges totals {$2100.00} with fees, interest and not including {$7000.00} in billable time for professional services and legal fees plus numerous late fees and irreparable slander to my credit. Please remit the sum of {$10000.00} TO SETTLE THIS MATTER AND RESTORE MY CREDIT BY LEGALLY REPORTING TO THE APPROPRIATE AGENCIES. 

A copy of my Identity Theft Report which includes : my FTC Identity Theft Report The FTC Notice to Furnishers of Information Please restore any funds which have been withdrawn from my account.. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that [ any funds have been restored.. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX  I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2021-06-06
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: Personal information incorrect

Complaint:
In Early XXXX I contacted XXXX asking for credit line increase with my account ending in XXXX. It was denied. A credit bureau submitted information that was not mine. Ive never filed bankruptcy, have not used a delinquent account, once I paid a credit card and put the wrong bank account number in and that made the payment late. I pay all my credit card balances off each month! I have never been in a payment program. I have a credit rating of XXXX. 
This incorrect information needs to be removed from any reporting on XXXX Or XXXX XXXX XXXX immediately. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Fl. XXXX, SS # XXXX. Birthday XX/XX/1941

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 2020-02-03
Company: Experian Information Solutions Inc.
State: CT
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:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : UNLISTED- Account : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX - Account XXXX XXXX Creditor : DEPT OF EDUCATION/XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - Account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/2019 the balance on my Barclay 's credit card account was {$0.00} however a bank error resulted in charging a minimum interest payment of {$.00} each month. I became aware of this charge and contacted customer service on XX/XX/XXXX. After spending a long time on the phone the agent confirmed that this interest payment is due to a bank error and that steps would be taken to remove any interest fees from my account, reinstate the account, and inform the credit bureau reporting companies. As of XX/XX/XXXX, there is no evidence of Barclay 's making any of these fixes. This is damaging to my otherwise impeccable credit history and is causing me great anxiety. Please advise on what steps can be taken to have this corrected by Barclays.

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 2019-09-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The loan amount account was closed. I called them right after I filed chapter XXXX to tell them that this car loan was not included in the chapter XXXX. I was told that Citizens Bank would hold the loan open and keep tacking the payments from my checking account every month as agreed. It has been reported to all credit agencys that Citizens Bank has closed my loan with out any notice to me or the Bankruptcy Court. Be on notice that my attorney will deal w/them by XX/XX/2019. XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
I purchased 10 yards raised bed mix for {$470.00} on XX/XX/2019 from XXXX XXXX XXXX. The company delivered the mix on XX/XX/XXXX. This is not in dispute. 

XXXX XXXX XXXX sent a representative, Mr. XXXX XXXX, to my home on XX/XX/XXXX to discuss a problem with the product. During the visit he stated the company would issue a credit of {$470.00} and would come and pick up the inferior product the first of next week at no charge to me. They did come and pick up the product. However, no credit was issued. When the credit was not forthcoming as promised, I again contacted Mr . XXXX about the credit. He said, I can make that happen. Mr . XXXX 's cell phone number is ( XXXX ) XXXX. 

When I did not receive the credit promised by the company representative I filed a dispute with Capital One stating a credit should be given because they picked up the product ; but, no credit was given. As far as me not providing the the purchase agreement, Capital One has it because they sent me a copy furnished by XXXX XXXX XXXX. There is not dispute about the invoice. I did not have a refund voucher to send them so they closed the case without talking to the company representative who promised the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX XXXX XXXX homeowner who paid my mortgage on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX through XXXX XXXX. I pay through this company because Bayview Loan servicing always says they didnt get the payment or its late. When I got a letter of foreclosure process starting in XX/XX/XXXX. I was confused. They said I was 6 months behind. I called them and they said they returned my payments. Why I asked. I really dont know XXXX with Bayview Said. So I have been talking with him since XXXX and have got further behind because he wont accept payments. I told him I recovered 2 of  the payments through XXXX XXXX but have not been able to get the other 2 yet. XXXX and XXXX. I offered to give him {$2000.00} right then in XXXX. He keeps telling me he will accept the {$2000.00} and two more payments and then hes going to pull my account out of foreclosure status. Nothing has happened with many phone calls and numerous emails which he said to email him and he will call me immediately but never does. I keep calling and I get the run around every time. I am XXXX due to XXXX XXXX XXXX XXXX that are XXXX and my husband has had XXXX XXXX XXXX. I have a XXXX XXXX son that resides with us who needs serious medical help but cant even pay our mortgage on time due to medical expenses. Can you please help us. 

Sincerely yours, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 would like to state that TRANSUNION is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave TRANSUNION written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TRANSUNION to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing TRANSUNION these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If TRANSUNION wants to continue to do business with me, they should delete the following inaccuracies off my consumer report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for {$27000.00} -XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX for {$1100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: CO
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:
This debt was discharged in my chp XXXX and is being reported as being late. This was discharged XX/XX/2017. Did show discharged now showing late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Comerica
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/2020 my brother called and reported his card missing or stolen. He has not received the new card. He was told he would receive the card XX/XX/2020. When he checked his balance today money has been removed from his account. After we reported it missing and ordered a new card. He has now been on hold for over an hour and he can not talk to anyone. His money goes into the bank on the third of every month. Before we talk to anyone they will have taken all his money. He has a direct express card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018, there were 5 forced debit card transactions posted to my account from Coinbase. All 5 were duplicate amounts from previously charged purchases. These amounts were {$490.00}, {$650.00}, {$700.00}, {$750.00}, {$750.00}. I was unable to reach customer support via telephone due to call volume after waiting an hour on hold. Further support request via web support only resulted in an email notification of the problem stating : " Thank you for submitting your request. Due to increased volume it may take several days to receive a response. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 identity was compromised while I was oversees. The following inquiries were fraudulently made on my account. I demand that the inquiries below be removed. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX 3.XXXX/XXXX XXXX 4 . XXXX/XXXX  5. XXXX/XXXX   XXXX 6. XXXX  XXXX  7. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: National Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, My income tax has been garnished last year and this year about $ 10k+. I never received an offset letter so that I could make arrangements. When I initially called NCS National Credit Services on behalf of the Dep. of Education to get more info about the loan they could not provide me any information about what the loan was for. Now that all this amount has been taken out I can not get through anyone or get account information with my SS number when calling. Recordings say there is nothing on file. Websites dont work. They have my cell phone number registered and it keeps going to a voice mail. I called from a land line and they answered right away. I cant find any forms or numbers to call to file an offset refund and more importantly I have no idea what this loan is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief