BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I SENT XXXX LETTERS TO TRANSUNION, XXXX AND XXXX. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.

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 2021-12-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This spammer impersonating a representative from American Express is harassing me again, and I don't have any credit cards. I've called The real American Express last month and the phone number XXXX isn't their real phone number, and American Express will never call anybody.And they knew it's a scammer using their name to ruin their reputation by ripping us off when I don't have credit card debt. I don't mess with credit cards. I want this crook arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I called and spoke with a Very Rude employee who just kept over talking me and claiming i owed XXXX for a Cell Phone. I ask them to send me proof and they will not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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:
There are several companies multiple times in a short time period ( Im talking days ) that have pulled my credit without my written consent I have reached out to these companies, called, sent letters and they can not provide me with the accurate information of me giving them consent to fun my credit once let alone multiple times. 

XXXX  pulled my credit on XXXX, XXXX, XXXX, XXXX Exeter fin pulled my credit on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX pulled my credit on XXXX, XXXX XXXX pulled my credit on XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: CA
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 credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In reviewing my credit report- Department of education/Navient has added over XXXX worth of interest to my student loan debt from dates ranging from XX/XX/XXXX to XX/XX/XXXX. Per my XXXX credit report Navient added a note showing an increase of student loan interest from XX/XX/XXXX - XX/XX/XXXX of XXXX. They just recently added a note of a increase of XXXX from dates ranging from XXXX. Due to the Coronavirus pandemic, aren't fees suspended starting XX/XX/XXXX - XX/XX/XXXX? Why am I being charged for interest or accessed fees during a pandemic crisis? Secondly, the amount of the increase is astronomical. a XXXX fee for 1 month vs from XXXX XX/XX/XXXX only XXXX? 
Please investigate this and have Navient make the applicable adjustments. In dealing with Navient as long as I have, I just have a feeling once this pandemic is subsided, they will quadruple fees to my student loans??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: ALLY FINANCIAL INC.
State: NY
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 tried to fix this serval times I just want this off 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 2022-03-17
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:
Recently I Disputed a XXXX XXXX  account with XXXX and Transunion regarding it not belonging to me. I received a generic response from Transunion saying they declined to block information I have identified for one of the following reasons : I made the request in error ( which I did not ), is misrepresentation of material fact ( which the fact is that this account was not authorized by me ), and I obtained possession of goods which is false, because there are no goods that were received.This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. At this point Transunion and XXXX continues to fail to do their job and refuses to correct information after being provided proof of inaccuracy. There has been absolutely no validation of this debt from either Transunion nor XXXX XXXX, and no proof what so ever that this account belongs to me. Per 1681a ( 2 ) ( B ) if a transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from my consumer report. The only thing is that this alleged debt was not originated by my and no proof has been provided by Transunion nor XXXX XXXX.Notice, it is a fact. Transunion is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX Account must be removed. This is my last warning before I seek civil and criminal charges for violation of my consumer rights.

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 2017-10-02
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX data was breached. It has been more than 30 business days since XXXX made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from XXXX
I have experienced other mass data breaches, including one via OPM. Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.

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 2019-01-19
Company: EQUIFAX, 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 is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX along with a notarized affidavit claiming fraud. XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX to close their files which have any information with my name & social on it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Since returning the cellphone to the company XXXX, we have contacted Synchrony Bank over 12 times to discuss the dispute. The dispute has been closed and opened 3 times without us knowing. We contacting Synchrony bank again today to discuss the credit of {$640.00} for a phone that we returned to XXXX in XXXX, and we provided the tracking number XXXX to show that they received the phone on XX/XX/2021 at XXXX XXXX and signed for by XXXX. Although we have provided accurate and effective documentation to prove that we didn't keep the phone, Synchrony bank has failed to give the {$640.00} back XXXX and they have continued to charge interest for the {$640.00} XXXX. After trying to explain to XXXX, a customer service manager, today that we have been illegally charged interest and denied a refund of an item that we have proven to be returned to the merchant months ago, she did nothing but be rude, disrespectful, and argumentative ( by telling me that she will start a new dispute and it will take up to 3 months to resolve ). I requested a superior above XXXX because we have already did this 3 times and placed over 12 phone calls, and XXXX told me that a superior above her might call me within 2 weeks if they feel like it's something to further discuss with me. I told XXXX that I feel the need for a superior above her to get involved because I'm the customer that has placed over 12 calls, waited on 3 closed and open disputes, and been charged interest illegally, and still haven't received a refund or any kind of resolution. XXXX continued to be rude, disrespectful, and argumentative, so I have decided to seek help outside of Synchrony Bank with this matter.

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 2022-04-08
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing has a collection reporting to XXXX, XXXX and XXXX that isn't mine!! I have never lived at the address associated with the account in dispute! I had this removed over a year ago, due to identity theft. Now its back on and came back verified. They haven't provided proof that the debt is mine ( binding contract with me or cox ), nor a proper investigation to verifying said debt. 

Under the FCRA, any inaccurate information must be removed from my credit report. 
They are also, in violation of laws under 15 U.S.C. 1681 Section 602 A- which states that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2- states that a consumer reporting agency can not furnish an account without my written permission. 

FDCPA : 22 ( f ) Restrictions on use of certain media.

Paragraph 22 ( f ) ( 2 ).

1. Language or symbol. Section 1006.22 ( f ) ( 2 ) provides, in relevant part, that a debt collector must not use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by mail.

I have disputed with all 3 credit bureaus, XXXX XXXX XXXX and the Oklahoma Attorney General. I need this resolved as quickly as possible. Please make sure this company is in compliance with my rights as a consumer and takes off all false and negative information from all 3 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 2023-02-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a notification on my credit report of a collection report that negatively effected my credit. The company has never reached out in regards to the account nor did i have any knowledge of the account. I called the company ( midland credit ) and provided me minimal information regarding the account and demanded I pay first before they explain anything. I offered to pay the full amount if they removed the negative regards on my account, since I had zero knowledge of the account. I never received any letters or phone calls. They refused to show me proof of ownership of the account and what the original amount was. Got a rude response and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am having problems with a transaction that happened in a Bank of America branch in XXXX XXXX Florida. The teller charged my account for money I did not receive during a cash withdrawal transaction. I submitted a claim for the missing money, and Bank of America is not willing to work with me in settling the matter.

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 2019-08-07
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-1- am XXXX XXXX and live on soveirgn land -2- XXXX closed account and then sold to XXXX XXXX, inc. as did XXXX XXXX XXXX -3- living on XXXX, XXXX took me to court in XXXX county, my XXXX is in XXXX county but not legal to take me to court there.as we do not adhere to judgements and such. 
-4- talked to an attorney here on my XXXX, whom I did not hire but is at my disposal if needed. 
-5- contacted my boss at my job and send info to him to try to collect this debt<XXXX> my boss refused to give any information. 
-6- would like these debts to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called multiple times, each time I get a voicemail that states " This customer is not receiving voicemails at this time. Goodbye. '' Also sent multiple letters requesting verification of debit and haven't received any correspondence in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/XXXX I received an alert that on my XXXX report that stated I had a collection added to my report from a company by the name of XXXX XXXX XXXX for XXXX I have never heard of this company, so I researched them and found they had pages and pages of fraudulent claims against them for this sort of thing. 
I was struck by a XXXX driver in XX/XX/XXXX and nearly killed and I have been fighting ever since then with this woman 's ins. I finally reached a very very nice settlement and I have made aware that so called companies like the named above will try to make fraudulent claims thinking I will pay. I WILL NOT!! 
I want XXXX to remove this immediately. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Regards, 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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been taken advantage of there has been malpractice serval FCRA laws have been broken by your company. This is and has caused financial injury and hurts my character when applying for jobs. I can not obtain a credit, proper living arrangement for my family. I can not better myself by getting a student loan to finish college because of this.

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 2017-12-31
Company: Paypal Holdings, Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
PayPal has three accounts with my name and telephone number. 
One was closed without my permission and without removing my phone number. Another was created without my permission but includes my phone number. Only one should be open/active. 

I want my contact telephone number removed from both closed accounts as these prevent me from using PayPal 's antiquated telephone IVR system which requires that the telephone number from which I am calling matches exactly one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Resurgent Capital Services L.P.
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: Problem with personal statement of dispute

Complaint:
Today ( XX/XX/2021 ) I got a letter from a company saying I owe {$58.00}. So, I called them, lady answers and I say, I have a letter stating I owe a debt. I believe beyond a shadow of a doubt that this debt is not mines and the lady hung up the phone. I called back and she hung up again. I called back and did not get through to anyone. In addition, to this stressful letter that states they say they wont sue me for it or report it to the credit bureaus because its so old. But of course I dont believe them Thx a lot

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been taken advantage of there has been malpractice serval FCRA laws have been broken by your company. This is and has caused financial injury and hurts my character when applying for jobs. I can not obtain a credit, proper living arrangement for my family. I can not better myself by getting a student loan to finish college because of this.

Company response to consumer: Closed with explanation