BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
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:
On XX/XX/XXXX I disputed late payments with the creditor XXXX through the following companies XXXX, XXXX  and TransUnion for the months of XXXX, XXXX and XX/XX/XXXX as-well as XX/XX/XXXX it is approaching the deadline for the 30 day fair reporting act and the investigation is still not complete. I would like for these late payments be removed and updated to on time immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: NC
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 have a hard inquiry on my credit report from XXXX XXXX when I never got financing or even look at serviced with them. 

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my 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 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 non-monetary relief
Consumer complaint received 2017-10-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is from a previous complaint, which was escalated to the Federal Reserve on the acct, XXXX XXXX XXXX XXXX XXXX XXXX, showing on my credit report. It was resolved via the Federal Reserve,  however Equifax is continuing to show this account after XXXX XXXX XXXX XXXX XXXX conceded and told the Federal Reserve that an ( AUD ) Automated Universal Data form would be sent to the 3 CB 's. Well, both XXXX and XXXX have already deleted/removed the account, but Equifax has not. I spoke to an Equifax customer service representative last week and was told that they had not received the form. I reached out to the Federal Reserve agent and she told me that XXXX XXXX XXXX indeed sent the AUD. It is my contention that Equifax is ignoring the request to have the account deleted from my report. I believe the AUD went out to all 3 at the same time, therefore Equifax should 've already deleted the account. ( I am attaching a copy of the letter from the Federal Reserve for your review )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( XXXX Account # XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 602 A. States 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( XXXX Account # XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 602 A. States 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,

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 2018-01-07
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: Account information incorrect

Complaint:
XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, Equifax & XXXX. No one will remove this inaccurate information form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX  XXXX Balance {$120.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-11-10
Company: EQUIFAX, 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, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: TN
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 was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my report 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 AND 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.

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 2021-09-08
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 information incorrect

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Credit Plus Inc
State: FL
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:
They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for 1 mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my XXXX  settlement and Transunion somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello, I was wondering why am I seeing capital one reporting on my credit report without any of my written consent.I would like for you all to remove these accounts from off my report because you are in violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Also under 15 US Code 1681a ( 2 ) ( b ) - exclusions from a consumer report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. this mean you shouldnt be reporting on my consumer report please remove this from my report. 

With this being said due to not having my written signature and just because this is a extension of credit this MUST be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: ENCORE CAPITAL GROUP 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called the company CONVERGENT OUTSOURCING, INC. which is debt collector for XXXX. I have disputed the bills on call XX/XX/XXXX ( XXXX XXXX ), they never sent me actual bills I owe to XXXX. 

They have 2 departments, Pre collection department said they have no infromation from XXXX or have not reported my account to Credit agency >> Call 1 ( XX/XX/XXXX XXXX XXXX Pre Collection ) : Agent 1 said the account was disputed by customer and sent back to XXXX. Has no reference of being sent back from XXXX. Then on my saying that my credit have been spoiled by your company, searches for the account and finds it in another department. Gives me number for another department. 

Call2 ( XX/XX/XXXX XXXX XXXX Post collection ) : Agent 2 said XXXX sent back account on XX/XX/XXXX and they called me several times.She says '' I picked up phone and said it was wrong number. '' Agent claimed she has no address of me on file. 

Truth : I never picked up the phone, Also CONVERGENT have sent letter to me on XX/XX/XXXX ( which means they have my address ). They are lying. They also reported the amount to credit agency without sending me any communication after disputing the bills.example ( Actual Bills from 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 2019-04-11
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received anything from this company about these debts until I was served at my house with a court date. 
The amounts they said I owed {$570.00} XXXX XXXX XXXX {$760.00} which is already a charge off account for XXXX XXXX XXXX I called midland company, I spoke with multiple people, mainly XXXX XXXX, I offered to make a payment of {$50.00} a monthly and that is stretching it. He was very rude and unprofessional on the phone, he refused to work with me at all. 
I never received a letter or phone call from this company regarding this matter, it wasnt until they showed up to serve me the door of my house that this was out there. Furthermore, this company has combined to debts to make the total over {$1200.00} to be able to take this to court. This is not a legal practice under the debit act. 

I my take home pay is Monthly and is {$1000.00} per month. 
I have 1 dependent, XXXX years old, I am responsible for. 

My expense are as follows ; Rent XXXX monthly Utilities around {$280.00} Cell {$200.00} Cable {$210.00} Insurance {$160.00} Loan payments {$160.00} Grocerys around {$400.00} I get snap food assistance XXXX XXXX/month My sons dad will help when he can

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In 2012, I discovered that someone had used my name and personal information to open a Wal-Mart credit card in my name, without my knowledge. Since that time, I have filed complaints, disputed the account at the three credit bureaus, and also requesting a fraud investigation from Sychrony Bank. To date, Synchrony  Bank has done nothing to initiate a fraud investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I began communication with XXXX  in the XXXX XXXX on XX/XX/2021. I was interested in the XXXX XXXX  Double Flap handbag. Initial conversation and any questions I proceeded to ask received a swift reply. After several email exchanges, I began making payments on XX/XX/2021 for the XXXX XXXX Double Flap. The first payment of {$500.00} was sent via XXXX. Due to XXXX having daily limits, I sent the remainder of the deposit via XXXX. I completed my final payment on XX/XX/2021. I continued to follow up on shipping, to no avail. XXXX informed me that the seller had yet to send them tracking, and that they thought it was best to just refund my money. Following which, I agreed and continuously requested a refund, as my emails began to go unanswered. The email associated with my XXXX account was requested several times, and I responded each time with the same email address, which was also the email I responded from the entirety of the conversation exchange. Several days went by with no response. XXXX then informed me they received a tracking number on XX/XX/2021. Once I received the bag, I realized it was a single flap, and not a double flap that was agreed upon, and which I paid for. I contacted XXXX once again and explained this. They attempted to explain it must have been a mix up, however they offered no refund. Since I was responding from the original communication chain, I scrolled up to screenshot the previous conversation exchanges and attached them to my request. After several emails, they agreed to a full refund. I then prepared the bag and shipped it back on XX/XX/2021. Once the bag was received, they explained they must now sell the bag in order to refund my money. I was then told I would receive a full refund by XX/XX/2021. I have emailed numerous times, and even had to be admitted to the hospital due to XXXX  To date of filing this complaint, I have not received a single cent from the {$4900.00} that I paid for the handbag. 

Because XXXX is a " peer to peer '' platform, my bank Wells Fargo as well as XXXX indicated that they can not do anything for me. My bank also indicated that the XXXX transfers were initiated by me and not a mistake that the bank completed, thus once again, I have no solution to the {$4900.00} that was stolen from 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 2021-10-14
Company: Shellpoint Partners, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a XXXX XXXX backed mortgage and my servicer is Shellpoint. I completed my trial payment plan over 40 days ago. I am waiting for the approval, terms and amount of my monthly payment and documents since then. When I contact Shellpoint they only tell me my account is in escalation. They will not give me a timeframe to approval of the loan modification or when the forms will be sent to me. My fear is that this is continued poor compliance of Shellpoint re. Federal guidlines for COVID loan modification and they intend to use this delay to again fraudulently report me to the credit bureaus as delinquent or attempt to foreclose on my home as they threatened in a letter sent to me when I started the trial payment plan. In this letter they advised me that foreclosure was imminent. I would like to put the financial instability from the pandemic behind us and resume my mortgage without threat of foreclosure of ruin of my credit score. Shellpoint needs to complete my loan mod and inform me of the terms and provide the documents so I may meet my end of the compliance of 30 days to returns the docs. 

I can provide the foreclosure notice if needed to prove that Shellpoint threatened this during a moratorium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX, creditor, Education Loan is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Debt Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We have received incessant calls from XXXX XXXX XXXX. Robocall leaves a message and says to go to XXXX if you want the calls to stop or to call XXXX. That website is wrong, the phone number is always busy. But I found their real website XXXX XXXX XXXX   Their real phone number is XXXX. They are calling about a debt that is for an ER visit to the hospital that was part of a closed XXXXXXXX XXXX XXXXXXXX claim. They should be calling the employer XXXX XXXX XXXX XXXX to resolve any unpaid debts, not the XXXXXXXX XXXX  XXXX injured employee. The hospital turned the debt over to debt collectors that are always bothering us about the debt instead of contacting the responsible party, which is the above-named employer.

Company response to consumer: Closed with explanation