BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-24
Company: EQUIFAX, 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 have disputed fraudulent accounts from XX/XX/XXXX - XX/XX/XXXX or accounts that need to be removed on my credit report for over years to XXXX  and Equifax and nothing has been done. 

XXXX  : XXXX XXXX XXXX {$230.00} - This was fraud XXXX XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XX/XX/XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed Equifax : XXXX XXXX {$320.00} - Fraud account Allegacy {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened my new bank of America checking account in XX/XX/2018, at the same time, l ask about credit card, because l don't have SSN, So they recommend me cash reward, but l need deposit XXXX dollars, and they charge XXXX dollars for annual fee. But l saw this card few days ago website said no annual fee. So l call to the service center asked my XXXX dollars back, they told me you need pay for this because you don't have credit like that but l only can pay XXXX dollars that money which l deposit belong to me. I said if l received my SSN get need card can l get that XXXX dollars annual fee back they said no, if like that they shouldn't recommend me cash reward credit card, because l already get my check account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX {$3700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing sent me a letter indicating I owed {$530.00}, the original creditor listed as XXXX XXXX ' The letter from Convergent referenced : Client Account # : XXXX Convergent Account # : XXXX I have never had a credit line with XXXX ; I contacted XXXX and inquired with respect to this debt collection attempt ( and provided the above account numbers ) but XXXX  was unable to locate any record of a credit line on my account. 

This seems to be a fraudulent debt collection attempt. The debt appears to be fictitious. 

Thank you for your help, 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 2020-01-20
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/20 Jefferson Capitol Systems LLC send some fake wan na be attorney on my property, he did have no badge did not identify who he was, and served me some fake summons court papers, threating to sue me for old credit card debt they purchased from XXXX. The old debt was charged off. The debt is beyond the status limitation but they are breaking the law and still trying to sue me. It's beyond the status limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pennymac has fraudulently tried to charge me for insurance on a loan without an impount account. I have always paid the taxes and insurance myself. I have had insurance the entire period and provided the proof multiple times when requested. Pennymac claims they paid for insurance as the lender, but will not provide the invoice they paid or even provide the name of the insurance company they paid. 
Now they have failed to apply my regular payments, they are charging me interest and late fee penalties even though I have paid the monthly amount required by the note every month and can document the payment. 
Please have then stop trying to collect on a debt I don't owe and they can't prove. Have them stop charging interest and penalties even though the loan has been paid on time. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25
Company: Square Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My cash app account was hacked and sent out two payments. One for XXXX and another for XXXX that cash app will not refund to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Convergent Resources, Inc.
State: IL
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:
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   Convergent Outsourcing XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
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 2022-08-10
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:
On XX/XX/2022, I sent an initial letter to Experian asking them to verify the reporting of my credit report for XXXX XXXX on my credit report. This is an auto loan and is not reporting correctly. The account is reporting as being an installment loan which is factual incorrect. The account type is a credit sell agreement. I have the right to an accurate credit file and discrepancies as this is unacceptable. They responded back and stated that they verified with XXXX that it was reporting correctly. I than sent a method of verification letter back to Experian and also a letter to XXXX asking how they verified with Experian on XX/XX/2022. Experian updated my credit profile with the XXXX payment history but no method of verification was submitted. XXXX advised they did not verify anything with ANY bureaus. I sent a follow up letter back to Experian on XX/XX/2022 advising that XXXX stated they did not verify anything and again asking for their method of verification. Again they updated my charge off status and did not provide any information.

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 2021-06-26
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:
Equifax is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX Equifax Mortgage Serv XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on Equifax XXXX and XXXX that I would like removed from all of these bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX for months. XXXX and XXXX have deleted them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

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 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I HAVE ADDRESS THATS ON MY CREDIT REPORT THATS DOES NOT BELONG TO ME.

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 2020-08-21
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: ID Analytics, Inc.
State: OH
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:
I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XX/XX/XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Funding LLC representing XXXX XXXX Bank has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2015 amt {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am requesting monetary damages for all the violation Shellpoint has committed since taking over the servicing rights from  XXXX  back in  XXXX  of 2016. Since then, Shellpoint has mismanaged my loan account and failed to apply payments towards my mortgage PITI but instead, they have been applying to illegal fees and letting the funds to sit in the unapplied account instead of applying towards my loan balance. Please see the attached complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: General Motors Financial Company, Inc.
State: NH
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:
GM Financial reported to the credit bureau 's ( XXXX, XXXX, and XXXX ) account 30 days past due in XX/XX/2017. I am the co-signer on the account and I was not notified by GM Financial that the payment was delinquent, thus I was not given the opportunity to make the payment so the account did not become past due ( XXXX ) days. I was not aware of this delinquent payment until I was alerted by XXXX XXXX that my credit score had changed. When I investigated to the cause of the drastic decrease of my credit score I discovered it was related to GM Financial in regards to the loan I was the co-signer on. I immediately contacted GM Financial customer service by phone and payment was made to account for past due amount. I asked the customer service representative why I was not contacted ( my phone number is on the account ) to notify me that the payment was 30 days late, and I was told that the primary person on the loan had been contacted by phone and a payment arrangement had been made, and that XXXX XXXX policy is that once a payment arrangement was made with the primary contact no further phone calls are made. My credit is now effected for 7 years for a late payment even though I was never contacted giving me the opportunity to make the payment before it was reported to the credit bureau 's. I had a very good credit score until this delinquent payment was reported by GM Financial to the credit bureau 's. Between phone calls with GM Financial and contacting the credit bureau 's, I have spent several hours to dispute this and request to have this derogatory report by GM Financial be removed/forgiven. My disputes have been denied and you are my last hope of fairness to repair my credit to the very good standing I had prior to this one instance. I believe that GM Financial violated my rights to protect my credit rating by NOT contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
Experian has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX unverifiable XXXX XXXX XXXX unverifiable XXXX XXXX XXXX unverifiable XXXX  XXXX unverifiable INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXI XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized How is Experian able to verify these when XXXX and XXXX can not? I am trying to establish a paper trail for a lawsuit if needed ...

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 2018-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
HSBC bank has been stealing money from my account for more than 3 months. I filed 2 complaints before with CFPB. Based on HSBC statement, the hacker ( inside of HSBC ) still stealing my money, because I could not access my account, all my accounts has been suspended since XX/XX/2018. I have never received respones directly from the company. I made many phone calls, they refused to serve me. As matter of fact, I called today, XXXX asked me to go to branch. I have been branch many times, they wanted me call HSBC customer service. I called XXXX XXXX XXXX ( vice president ) several times, left messages on her answering machine. She never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I've sent several letters to Lexis Nexis and XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items XXXX  was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote XXXX a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from Lexis Nexis, I then wrote Lexis Nexus who said they obtained the information from XXXX. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX deleted the information with no problem because they under the courts does not report to them. Lexis Nexis is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my LexisNexis account since XX/XX/2020. SO HOW is it that XXXX said they verified this information with LexisNexis since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: AZ
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:
I tried to dispute an inquiry which I did not authorize and Equifax did not allow me to dispute the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: OLIPHANT FINANCIAL, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. Someone open several accounts under my name without my authorization. I have no idea what this debt is about. Will like this company to stop calling me and sending me collection letters.

Company response to consumer: Closed with explanation