BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : 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 All Previous employment history should be DELETED DELETE : 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 2021-07-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've contacted Convergent Outsourcing on numerous occasions to dispute this erroneous debt that is a result of identity theft. This debt does not belong to me. I have provided a copy of my FTC identity theft report and all of my correspondence with Convergent outsourcing over the past year! This company remains uncooperative and continue to violate my rights. This is my last attempt to remedy this matter in an amicable fashion. Failure to remove this immediately will result in my suing you in small claims court for your violations of 15 USC 1692 of the Fair Debt Collection Practices Act. As you can see I am keeping a close record of all my correspondence with you and the Credit reporting agencies that conspire with you to harm the consumer. I will sue you all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions Inc.
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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 non-monetary relief
Consumer complaint received 2018-02-21
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been getting phone calls from a company by the name of XXXX XXXX, saying they were following up on a claim filed through XXXX XXXX. When I asked questions they got rather hostile. Told me that I needed to provide credit or debit card information to clear my debt. Said that they were real company because they knew my social and address. What raised a red flag, was that he said he called my job at XXXX XXXX and then he said he know I also worked at XXXX XXXX. I never worked at any of these companies. He then said he was going to file something against XXXX XXXX XXXX XXXX  XXXX. I looked up websites for both XXXX XXXX XXXX and XXXX XXXX XXXX and came up with nothing. He said I had other judgments/civil cases against me, which I am well aware that this is public record. When I asked him where could I find this information he had no viable answer. They also have been calling my sisters phone to get in contact with me. The number they called from was ( XXXX ) -XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-07-13
Company: Affiliate Asset Solutions, LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a followup complaint to CFPB Complaint ID # XXXX. XXXX XXXX XXXX, XXXX sent documentation in response to that complaint which proves that I am not the person they are pursuing with the debts which they reported to my credit. 

1 ) I have never resided at the address that they have listed for " XXXX XXXX '', which per the attached documentation is XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) I have no associates or dependents or family members named " XXXX XXXX '' or " XXXX XXXX. '' 3 ) No members of my family or myself took ambulances on XX/XX/2014. 

Therefore, I am not the person who owes this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe, however, I was told that the payment did not qualify for PSLF because they were in deferment.  This is not accurate.  My student loans were also in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe.  I was told that the payments did not qualify for PSLF because the loan status was deferment. This is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: IL
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 sent a dispute letter XXXX XXXX and have not received an response from the credit bureaus in regards to the inaccuracies on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX of 2021, three unauthorized withdrawals were made totaling {$3000.00}, were made on my Bank of America EDD account. During this time I was in XXXX XXXX with family from XX/XX/XXXX .Attached you will find plane tickets, bank statements and pictures of my time in XXXX in order to verify my location during this time. On XX/XX/2021 I realized that my account had fraudulent activity, and promptly reported it to Bank of America. I have gone back and forth with Bank of America regarding this issue and they have been unhelpful and unresponsive to my situation. They have explained that there is video footage of me making these transactions. This is impossible, being that I was in XXXX with family. They also stated that they would make an appointment in order to review footage but have not communicated a time and date and have ignored all my calls and messages. During this times, COVID has been hard on my family and this amount of money is instrumental to not just myself but my growing family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Fifth 3rd Bank has listed in credit reports that both my wife and I have missed 8 payments. In fact we have not missed even one without their instructing us that under the modification program we eventually qualified for, we could skip up to 2 Two payments. All other payments were made. In phone communications with them, I was told they were refusing to do anything about the false report until we served them with proof that the credit bureaus contacted them and then gave us 5th 3rd Banks written reply. XXXX  immediately removed the false report from their listing. XXXX took my complaint three separate times and only sent back emails stating that the process was completed, but not once reporting what was the reply. In a fourth contact, by phone, they would not give the reply verbally and stated I would get a written copy in 3 to 10 business days. That was over three weeks ago. Now, by phone, they tell me I am no longer able to confirm who I am to begin any discussion of 5th3rds response or what happened to the promised written reply. The History of bad faith on the Bank 's part is atrocious, including attempts to foreclose illegally and refusing to remove PMI as required when debt went way under 80 % of value. Then, after removing it in the modification, they just arbitrarily add it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is an issue with Barclays Credit Card and XXXX XXXX XXXX. 

My spouse opened a credit card in XXXX. He added myself as an authorized user. Later, he closed the account and settled the debt directly with Barclays. A few months later, this delinquency showed up on my credit report. Shortly after, he called Barclays to find out why it was on my card and they said the account was resolved and closed. 

A couple years later, XXXX XXXX XXXX started contacting me that they purchased my debt. I have tried multiple times with them as well as Barclays to find out why it continues to show up as a delinquency on my credit report. Through every dispute that I have made and every contact, they all say that it is my debt and I need to pay it.

The bad part here is that : 1. It was my husband 's credit card, not miner.

2. He closed the account.

3. He resolved the debt.

4. After all this, it is still showing as a debt collection on 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 2019-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XXXX XX/XX/2019, I sent a letter to Bank of America requesting my line of credit account be cancelled and closed. On XXXX XXXX, I received a bill from BofA with a new balance of {$15.00} due with no explanation. I called and was told I needed to pay BofA {$15.00} to close the account. I made the payment over the phone ( Confirmation # XXXX ) and was told it would be posted the next day and they would email me a letter showing the account closed. I did not receive the letter so I called them back on XXXX XXXX. I spoke with a supervisor, XXXX, who told me the account would not show as closed until the end of the billing cycle. She did say they could generate and email me a XXXX balance letter immediately. I asked for the letter and again gave BofA my email address. I did not receive a letter. 

I have started an addition on my house and XXXX XXXX found this open lein on my house when I went to finance the addition. Because the BofA account won't post as closed until the end of their billing cycle, XXXX. XXXX can not look up the account and see it as closed. 

Account closed letters are form letters generated by banks and can be generated at any time. I need the loan from XXXX. XXXX to pay the contractors working on my addition.

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 2018-02-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, my debit card was stolen and the person that stole my card used my account to deposit stolen checks ; leaving my account in overdraft. I spoke with my bank about the problem and they connected me with the fraudulent department. They closed my account and opened up a brand new one for me. About XX/XX/XXXX I had trouble getting access to my account. I spoke with the bank and they told me to speak with the fraudulent department again saying that my account is on no check status. Money was able go into my account, but I wasn't able to take any money out. The attorney on my case, XXXX XXXX, told me that until I pay back those overdraft fees of $ 950+, I will regain access to my account. I called my own personal attorney and filed a police report. They wrote a letter regarding my situation, to the bank, about fixing my account and nothing has been done since then. It is XX/XX/XXXX and I haven't been able to gain access to my account since XX/XX/XXXX. I have bills that are way over due now because I still don't have access to my account. My attorney gave me advice and told me to file a complaint with the Department of Banking so that they can help resolve the situation. The bank knew that there was fraud on my account but they're having me pay back those fraudulent fees, which I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 applied for a capital one credit card on XX/XX/2017 and never received any more information other than that I had been approved for the card. Never received a card in the mail or anything. And now it shows up as a hard inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: OneMain Finance Corporation
State: NM
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 potentially negative account from One Main Financial. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with One Main and it still has not been removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to IC SYSTEM Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.

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 2020-08-20
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I tried to add a new bank card number to my existing Boost account with Experian. I was unaware that the system would try to perform another Boost on my account. My credit score was XXXX and it dropped to XXXX. I also received multiple duplicate messages that my account had been disconnected. When I tried to reconnect my account I kept receiving an error message that Experian was experiencing technical difficulties. I called and spoke to numerous agents at different times who would not assist me. I finally called in one day and asked for the issue to be forwarded to the technical dept, I also asked to speak with management. A manager by the name of XXXX came on the line but she was not helpful at all and she seemed quite agitated that she had to take the call.I have since called back four times. I have been given numerous ticket numbers, but no real answer if someone is really working on my case. I'm beyond outraged at the lack of professionalism and concern for fixing this issue with my credit. I've been working on my credit for almost a year so this is very upsetting to see them taking this so lightly. This issue seems to be an ongoing problem that needs to seriously be addressed by Experian.

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 2020-08-19
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Regions Bank has been refusing to close my account for over 6 months and is insisting that I need to visit a bank branch to close it. I am not comfortable visiting a branch during a pandemic and would like the account closed 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 monetary relief
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent numerous letters to the credit bureaus over a long span of time and they did not respond. I never received mail that they even considered my disputes.

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 2021-07-13
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian consistently keeps my credit score lower than any other bureau. They then arbitrarily lowered my score 19 points. cited no reason for lowering my score. Interestingly they lowered my score a day after i elected to not complete their Boost process. This is unfair, they are punishing people for not giving them the personal information they want.

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 2021-07-13
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Bureaus, INC is reporting a fraudulent alleged owed debt on all three of my credit reports. I have sent 3 separate debt validation request via certified mail and The Bureaus, INC has failed to successfully validate this fraudulent account. I am not aware of this account and I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: GA
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 recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, XXXX removed the accounts that were not associated with me but hasn't removed the inquiries, Equifax and XXXX has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.

Company response to consumer: Closed with non-monetary relief