BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/XXXX TransUnion sent me correspondence explaining they could not use the documents I sent to them relative my validation request. 
My letter dated XX/XX/XXXX requested validation pursuant to 15 USC 1692g Sec. 809 9 ( b ) of FDCPA in relations to XXXX XXXX accounts # XXXX and XXXX. However what appeared on the attached Federal Trade Commission Id theft Report # XXXX, was intended for XXXX and XXXX. The portion of the inquirers listed on the report was directed to all bureaus. 

I was thinking the inquiries would have simply been removed under section 605B, as a victim of identity theft. Instead, they sent me a TransUnion Identity Theft Victim Assistance Affidavit, when they received my identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
In accordance with the fair credit reporting act XXXX  accounts # Dispute XXXX XX/XX/XXXX XXXX Account Details Payment Status Account Number XXXX Condition Paid Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Charge account Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account has been closed due to inactivity.| Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone # XXXX Discrepency Between BureausMissing Data XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Account Details Payment Status Account XXXX XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks The following Accounts was in dispute- unresolved Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Installment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ______. 

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. 

Best, 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 2022-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates purchased my information from XXXX XXXX XXXX XXXX, and is trying to recover what they say I now owe them in the amount of {$880.00}. I have no contract with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/20 I contacted Equifax to purchase a Credit Watch Product from them. The first rep I spoke with, XXXX had me on the phone for 53 minutes after I gave him my debit card info to make the purchase. He checked in periodically to tell me to continue holding as he was having system issues. After 53 minutes the call was disconnected. I called back and spoke with XXXX. Again told to hold and the line was disconnected. I called back and spoke with XXXX and she told me I needed to send copies of my social security card and drivers license. I advised her I had already sent that in. They have it on file. She said there was nothing she could do but transfer me to XXXX XXXX XXXX. I asked if my card had been charged and she said she could not tell me that and transferred the call abruptly to them. The lady I spoke with, XXXX said they did have the docs on file already but I would need to speak with Personal Solutions to order the product. I advised I had spoke with 3 people in that department already. She said they were 2 different departments and they could not communicate with each other. I got no resolution at all. The information belongs to me but it as if they are holding it hostage and making it impossible to get. I have a job offer pending receipt of this information and do not want to miss this opportunity because Equifax is fraudulently withholding my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several student loans open with Dept. of Ed/XXXX. I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.

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 2020-08-27
Company: Convergent Resources, Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt  in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-07-01
Company: Commercial Acceptance Company
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had received a phone call from a collection agency of an outstanding bill from a property I use to live at, the debt collection company told me to contact the property company. The company claimed there were damages to the property totaling XXXX dollars after keeping a security deposit. I had requested the company provide proof of damages which they could not due stating they no longer had. I had told them with out proof of damages or the debt I can not pay the amount. The collection agency continues to call me despite not giving me proper proof, or even proper written notice as the company claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo has changed terms on my account multiple times without me requesting them to do so, and without notifying me. 

-they removed overdraft protection on my account without notifying me. 

-they did so because I complained that they had changed the time of day that my account settles, without notifying me. Usually my account closes at XXXX PST daily, this was changed at some point within the past few months to ( I believe ) XXXX EST. 

-I am used to having until 12 to deposit money if I would happen to overdraw the account. 

-This change caused me to overdraw multiple times without realizing it. 

-Oddly, the WElls Fargo app, did not reflect this change. And it still showed that my ending daily balance was positive. Even though this was the case, and I informed Wells Fargo of this, they refused to assist me. Instead they did not respond to my inquiry and removed over draft protection on my account without informing me or gaining my consent to do so. 

This has caused a material loss, and I believe that these practices were not only deceptive, but intended to abuse the power Wells Fargo has over consumers.

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 2021-02-24
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found this ic collection while monitoring my credit. In XXXX  this collection was removed by XXXX. Now again it shows up on my report. I called the collection agency to ask them over a month ago for a debt collection verification letter after asking them why once it was removed did they place same collection on my report. They stated they sent out a letter however I asked address and it wasnt mine!! This address wasnt on my credit report and I asked for another to be sent to my correct address and they have not sent anything amd collection remains on my report!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Optimum Outcomes, inc have been calling nonstop every single day regardless of the time. Ive asked them how they got my number but refuse to tell me. Furthermore, theyre constantly sending illegal mail to me stating I owe a debt. How can you pay something in a positive balance? Please explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report in XX/XX/2021 and learned of several collection accounts on XXXX and XXXX from Online Information Services for past due collections that I did not know about. I sent them a certified letter on XX/XX/2021 to ask them to validate the debt. As of today I have not received a reply with this information. I have requested that all accounts be removed immediately and they have refused. Enclosed you will find a copy of the certified mail receipt and the last letter enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax refuses to delete collection accounts from my credit report that don't belong to me. The following accounts are currently reporting on Equifax ONLY. XXXX and XXXX quickly removed these since they were not mine but Equifax just ignores my disputes. 
1. XXXX/XXXX XXXX XXXX XXXX {$660.00} 2. XXXX {$510.00} 3. XXXX {$480.00} 4. XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Originally I had an AMEX, XXXX Surpass card. Was informed by letter on XX/XX/XXXX that the Surpass card was being terminated and members would be sent a new card called XXXX XXXX which had a different fee, different benefits etc. this would be effective on XXXX XXXX, XXXX. 
I called customer service on XX/XX/XXXX and asked if I would be getting a new introductory bonus for this new card. I was told I would need to cancel the old card before the change and open this new card when available to get any introductory bonus. As I like to be careful, I called again. 
I called customer service again on XX/XX/XXXX and spoke to XXXX. She specifically explained that I needed to cancel the current card and apply for the new card in XXXX. And, since this was a new product it would be eligible for a new introductory bonus. 
On XXXX, the same day I cancelled my AMEX XXXX Surpass card. 
On XX/XX/XXXX I applied for the new card AMEX Ascend card with advertising saying I would get XXXX  points for a $ XXXX spend and an additional XXXX points for an additional $ XXXX points. I did the spend as soon as possible. 
On XXXX I called to follow up on the points. I was told this is the same card. I objected and a claim was filed. 
On XX/XX/XXXX, I called customer service again and spoke to XXXX. He assured my dont worry, the welcome bonus will be added soon. I would be getting XXXX points but it might not post right away. That he agreed that this was a new product with a new name, new higher fee, new benefits, etc. he said he would also have his supervisor XXXX in XXXX XXXX, add comments to my file to help it. 
On XX/XX/XXXX I called customer service yet again, and was told that I was denied again. That no one had put my details in. This time I spoke with XXXX who told us a new case # XXXX who be filed with my comments supporting this as a new card that we were assured would earn a new bonus. 
Finally today, XX/XX/XXXX, I called again and spoke with XXXX who revealed that my case is going to the same person who originally denied us over and over. She took a minute to look at my file and said this is the same card I explained the many ways it was new and she repeated, its the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: NAVY FEDERAL CREDIT UNION
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:
My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company NAVY FCU was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : NAVY FCU - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Their investigation did not fix an error on your report

Complaint:
Experian has decreased my credit score 52 points in 2 months. The XXXX score update was decreased 26 points after simply settling an old charge-off account. The score update on XX/XX/2021 has also decreased 26 points after Experian recently completed a dispute investigation I filed a months ago. The account in question is XXXX XXXX for an auto loan. Experian credit report states that the reason for the decrease was a RECENT late payment. I have not had a late payment reported in nearly 4/5 years. It is very concerning that Experian can continue to post inaccurate information on my credit report, and nothing is done to make them stop, or at least correct the issue. There is no justifiable reason that Paying and settling an account should result in the 52 point decrease in my credit score. Consequently, I am more concerned with the inaccurate information they are reporting. I simply do not have any recent late or derogatory accounts. 

Experian will not let me dispute this error because they just updated the information incorrectly.

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 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been reaching out to Capital One about several credit cards that have been opened in my name with either a different social security number, date of birth, or address. I have disputed the accounts based on finding out the credit cards were opened in my name. Capital One refuses to remove the accounts and now I can't get any credit with them because they say I had bad credit history with them which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: MS
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 been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.

Company response to consumer: Closed with explanation