BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
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:
FTC IDENTITY THEFT REPORT Attached Experian is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Fraudulent INQUIRIES XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2018-01-06
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appear in my report without my understanding.

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: PA
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:
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623.  Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: CO
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 owned a XXXX in Texas for XXXX years. I sold the business  to a person wherein according to the sales contract, he absorbed all debt and income of the business. This person proceeded to rob the corporation and sell off all assets for cash and successfully bankrupted the Corporation in 12 months. In his process he charged hundreds of thousands dollars on company credit cards, he never paid his vendors, he didn't pay any federal taxes or payroll taxes. He put hundreds of thousands of dollars in his pocket. He used a Capital One Credit Card that had my name associated with it and made a trip to XXXX XXXX, spending over {$26000.00} When he vanished and didn't pay the bill the credit card company came after me. That happened in XXXX and I have been explaining the facts to Capital One every since. Capital One refuses to correct and has ceased calling me but turned over to a collection company. I continue to get mail from them. 
Capital One reported the non payment to XXXX  XXXX XXXX and my credit score is very low. Too low to get any credit. I am XXXX  years of age. The only glimmer of hope I have is Capital will remove the complaint in XXXX, but at this time I suspect that I will not live long enough to see that happen. I was in business for XXXX years and handled XXXX  of dollars in purchases and payrolls. My credit was always excellent throughout all those years. Its certainly sad to realize that I must go to my grave with a bad credit report. I feel this is age discrimination at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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: Information belongs to someone else

Complaint:
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED  STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States 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 2017-10-25
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to get access to my savings account to close it, since I need my money now for some medical bills. Since I could n't get access online I called the customer service number with absolutely no results. It looks to me like the bank is trying to keep me from getting acces to my money ; and I may need some help from the FDIC to close my account and get me my money. If that fails, I may have to try some  other method of recuping my funds ; and that would only benefit the attornies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Back on XX/XX/XXXX, I had an overdraft fee charge of {$36.00} to my checking account. My understanding of the overdraft agreement with Suntrust bank was that if funds were insufficient Suntrust would simply decline payment, that I would only receive an overdraft charge to my account if I opted in to accept all charges to my account even if I was overdrawn. 

Truist bank purchased Suntrust bank and apparently their overdraft parameters are different from what I agreed to with Suntrust bank. Since XX/XX/XXXX, I have been charged with an abusive amount of overdraft fees ; 11 overdraft fees of {$36.00} totaling {$390.00} in less than 3 weeks ( attachment ) I called the customer service department at Truist explaining that I am unfamiliar with the overdraft policy of Truist, that I was still under the arrangement that I had agreed to with Suntrust. I asked for a courtesy refund of the fees that were triggered by the first overdraft on XX/XX/XXXX. The Truist representative declined.

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: V and H Portfolio
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had received mail from XXXX stating I needed to pay this balance, I advised I never bought anything using this service for this large amount. XXXX refused to help, stating they saw no error, I advised it was not an error, weather identification theft, still no help and now they are trying to collect this through a collection agency called ACI, I also have tried getting help from them, and still no help, they keep referring to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: I.C. System, Inc.
State: TX
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.C. SYSTEM Inc. a third part debt collector for XXXX XXXX XXXX is reporting two collection accounts on my credit bureau. 

1. Both collection accounts are for the exact same amount {$260.00} 2. Both collection accounts are for XXXX XXXX XXXX XXXX 3. Both collection accounts are dated XXXX XXXX, 2017 4. I do n't owe XXXX XXXX XXXX XXXX 5. I had XXXX XXXX XXXX XXXX 5 years ago 6. No one will provide any contract or proof I owe this debt. 

These two incorrect collections accounts for the same amount have destroyed my credit score.

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 2022-04-03
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It has been since XXXX last year ( XX/XX/2021 ) that every time I make an additional payment toward my principal, Mr. Cooper ( formally Nationstar ) mortgage company applies part of that amount to my monthly payment without my permission, even though my monthly payment has already been taken care of and paid. They have not applied those amounts correctly for the past 7 months, and every month after I make that additional payment toward the principal, I have to reach out via email to have those amounts rectified and applied correctly. 
Attached is the email correspondence with the mortgage company and my mortgage statement showing how many times they have applied those amounts incorrectly and than had to reverse them to applied them correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Upgrade, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a line of credit with Upgrade Card. My credit limit is {$4000.00}. My balance is {$3900.00}. My interest rate is 29.49 %. My first payment due was {$170.00}. I made a {$170.00} payment on XX/XX/XXXX which has yet to have been applied to my account. When I called the company I was told that {$160.00} of the {$170.00} was applied to interest. 

If my interest rate is 29.49 % then with a balance of {$3900.00} that would mean my monthly interest rate would be about {$98.00}. None of the payment I made has been credited to my acct. I still have a balance of {$3900.00}. The only credits my acct has received is a {$1.00} rewards payment on XX/XX/XXXX and a {$4.00} rewards payment credit XX/XX/XXXX The company stated, when I called XX/XX/XXXX XXXX am CST, that they would forward my concerns to customer advocacy who would reply to me within 2 business days. I never received call and a credit still has not been applied to my account. 

Since my first payment was made the monthly payment ( after I made a complaint ) has increased by {$10.00} from {$170.00} to {$180.00} even though my balance hasnt changed because they never credited my account with the initial payment that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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: Information belongs to someone else

Complaint:
XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX {$950.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX {$2000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   {$340.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   XXXX {$940.00}

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 explanation
Consumer complaint received 2021-02-16
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to bring loan current and XXXX will not accept payment.

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 2020-12-22
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've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Friday XX/XX/2019 Convergent Outsourcing Inc contacted my father about an alleged debt with XXXX XXXX. They told my father details about this debt including amount owed. I never gave Convergent permission to speak about this debt to anyone. My FDCPA rights have been violated. I previously had written to them to verify this debt before this occurrence. I still have not received this verification. When I spoke to them on XX/XX/19 I also verbally told them that I would like this debt verified and last time I spoke to somebody about this debt I had also asked them to verify it.

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 2022-04-03
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: Information belongs to someone else

Complaint:
FTC IDENTITY THEFT REPORT Attached Transunion is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Fraudulent INQUIRIES XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX DEPARTMENT OF EDUCATION DATE : XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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