BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX # XXXX To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX   # XXXX failed to give me my " Mini-Miranda '' five days  prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) XXXX # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2021-04-25
Company: Experian Information Solutions Inc.
State: NY
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:
The CRA is not doing any investigation into this fraudulent debt. 
They are only verify that my info matches with the fraudulent inf listed on the account. 
That is not doing an investigation that is only verifying my personal info to the fraud account info. 
The CRA is still reporting this fraud information on my report. 
This is the only CRA that is is still reporting this fraudulent account. All others have did a proper investigation and have removed all fraudulent info but you. 
Please conduct a proper 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 explanation
Consumer complaint received 2018-10-12
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was once a customer of XXXX XXXX. I was an account holder in XX/XX/XXXX. I switched companies, to XXXX, in XX/XX/XXXX for the XXXX XXXX. 

Ever since the switch, which was done improperly by agents of the company in XXXX, IL, I have repeatedly received bills from XXXX XXXX in XXXX, WA. 

The reason I switched companies was because I was doing music on an old XXXX  device. The phone fell flat on its face and broke completely in my dorm room. I then switched companies to get an XXXX XXXX because I never had one. 

I paid XXXX off and told them to switch my service, however, they have continued to follow my activities socially and continue to send me past due collections bills regarding their device. I I paid every single phone I have ever had from XXXX off, but I still receive bills from XXXX XXXX. I called XXXX, I called XXXX, I called XXXX, I called all of them to tell them I don't own the account, but they continue to say I owe XXXX for past due bills that do not exist.

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 2018-10-12
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other 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 repeatedly called by XXXX XXXX. regarding a debt that they say I owe to U.S Bank on an account they say was opened on XX/XX/2006. XXXX states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or U.S. Bank anything, that I am on XXXX XXXX and that I will not pay them a dime on a debt that I do not owe. XXXX representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since XX/XX/2006 and there has never been an account with U.S Bank shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The XXXX rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop!

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 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting an inaccurate late on my credit 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 2020-08-24
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX SSN :  XXXX Equifax XXXX XXXX Dispute Inquirys Dear Equifax XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXl Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX  XXXX Inquiry fromXX/XX/2020  XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry fromXX/XX/2020In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TD BANK US HOLDING COMPANY
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:
on XX/XX/2020, I called the creditor Nordstrom to discuss options to pay off outstanding debt. A week later called back and accepted them terms and conditions and authorized a settlement payment that Nordstrom never excecuted. Months later I continues to see the outstanding debt so I called nordstrom only to find out they never completed the payoff and it was sent to collections. I called the collection company XXXX and settled to be paid, which cleared, and I received a born in full statement. Now Nordstrom is still reporting an outstanding amount containing to show not only a balance but a negative payment. I have paid this credit and attempted several times they unfair credit reporting behaiors has affected me with not be offered a job due to the unfair reporting business practice of Nordstrom.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Receivables Management Partners, LLC
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:
This collection company, rmp Services llc have been attempting to collect a debt in the amount of {$3100.00}. I have tried to have this company to remove collection from credit report but they have failed to do so twice. Their latest communication Efforts with their response to a Previous complaint stated That services were for a minor child but yet still Failed to verity the debt that would include services provided, services for whom, service dates, and any contracts that i have with this Company to provide payment to them for services they have not rendered to me or anyone else. Please remove debt from any and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: NY
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:
A robo-caller from XXXX has been calling me for over a year, offering a better rate on my credit card. They called again today XXXX, XXXX. I am not given an option to opt out of the calls. 

I generally ask the caller who they work for, how they know about my credit, whether they know my name. Normally this conversation ends with the caller cursing me out in colorful language. The last couple of calls, when I asked to be put on the do not call list, they told me Experian loads their call system. 

I am on the national do not call registry and should not be getting these calls at all. If Experian is involved in promoting robo-calls, I expect the government to shut them down. 

Can you help with this issue? 

Thanks

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 2021-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to dispute debt with Portfolio Recovery Associates, LLC by requesting debt validation. A bill is not validation. I just did my initial complaint with CFPB for them to validate debt. They did not validation debt, they just send bills like previous request. I am looking for debt validation of alleged debt not bills. I did not receive the initial notification on XX/XX/XXXX. I received that notification with bills. I sent request on XX/XX/XXXX and XX/XX/XXXX for debt validation of the below items but they continue to send bills and not validation information. 

-Proof of your right to own/collect this alleged debt in Maryland XXXXContract bearing my personal signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: AMERICAN EXPRESS COMPANY
State: VA
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 in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received an offer for 0 % rate until XXXX 2021. I called to take advantage of this but was denied a lower rate unless I did balance transfer. However, the offer doesn't state balance transfer. I wanted to make a large purchase using this card but at the lower rate offer.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 9 accounts that are not mine I have disputed these accounts with the bureaus and I have not heard anything back. Since XX/XX/2020 I have sent out multiple disputes and still nothing. I need to have these taken care of since this is identity theft and I don't need some random accounts on my credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-04-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2021 I XXXX XXXX XXXX took a review of my credit report and I noticed that a company named Enhance Recovery Company is reporting a balance of {$96.00} dollars owed to XXXX XXXX XXXX. I am hereby disputing this debt because I never received notice to dispute this debt via mail and also I am requesting proof that I actually own this debt via signed contract with my signature or any instrument that can solidify my ownership of this account. If neither of these items in which I request can be furnished I am requesting that you remove your reporting from XXXX and XXXX  immediately because you are damaging my credit. Failure to do so within 30 days will give me the authority to legally seek remedy for the damages caused by the negative items reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: MD
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:
XXXX Credit Agency Alert External party, unauthorized deleted an address on my credit reported. 

Former phone number and address alerts in use ; dark web alert. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Screenshots attached 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My student loan debt has tripled. The payments I have made feel like im throwimg money away because of the interest and fees. I dont feel the amount owed is correct. Ive tried to argue this but XXXX took me on an emotional roller coaster on these fees. Im trying to understsnd how i borrowed XXXX and now owe over XXXX??? Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Capital One will not let my XXXX application monitor my Mastercard Platinum. This application is used to help track my budgeting and I need them to allow me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I am single mother of XXXX and I am in dire need of assistance. I am hoping and pleading someone hear my cries. I've been trying to get my account cleared and lost funds back since XX/XX/2020. It should be known that CA EDD and Bank of America are taking advantage of unemployment recipients in obnoxious, illegal ways. They are using a very vulnerable time to further victims claimants.The state of California should be embarrassed! I was approved for unemployment benefits in XXXX of 2020. I ordered my EDD BOA card on XX/XX/2020, It never came in the mail or either someone stole it from my mail. After weeks of waiting for my card, I called BOA on XX/XX/2020 to inquire where my card was and I was informed that it was already activated on XX/XX/2020 and a charge of {$2100.00} was processed on XX/XX/2020. I immediately filed a police report that evening, I was told I needed bank statements to show the bank transactions. Which was impossible because I can't access my online BOA portal without the card information and because Bank of America closed my account after reporting the fraud. So my investigation is at a stand still. I reached out to the alleged merchant myself, and to my surprise he was more than willing to help, he said a male tried to come in with the card and didn't have the pin, so he then made the purchase online using my address information. If the police or the bank would conduct a thorough investigation, they could easily prove that it wasn't me, I AM A VICTIM OF FRAUD! I called BOA to follow-up on my claim and was surprised the previous agent never made any notes when I called on XX/XX/2020, I was advised a supervisor would call me, but no one ever did. I then officially filed a claim on XX/XX/2020, by XX/XX/2020 BOA closed my account due to suspicion of bank fraud. Which is bizarre because I am the one that reported the fraud. When I called to inquire why, they said I no longer had an account with them and that CA EDD has flagged my account, which is the reason I can't receive any of my benefits via mail or debt card. When I called EDD on XX/XX/2020 I was advised that my account was not frozen or closed andI should follow up with BOA. WHY AM I BEING BOUNCED AROUND? I am currently reaching out to Governor XXXX office and state senate, relentlessly! CA EDD must do something about this, how can a government state entity let a claimant be victimized without doing anything to rectify the situation or to investigate it further?. Furthermore, myself and my child is in dire need of resources because of this crime!

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 2020-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 we applied for the covid 19 relief plan ( mortgage foreberance ). We were told that it was 3 months, would not affect your credit and the the 3 months would be placed at the end of the loan at the end of the foreberance program. On XX/XX/2020 I completed the paperwork to terminate the foreberance program and selected that the overdue amount be placed at the end of the loan. On XX/XX/2020, I called wells fargo to ensure that my request had been process to resume payments. The customer rep. Told me that I had skipped one step, but that she would complete the process for me while we were on the phone. Everything was done and was told that it would take about two weeks and that i could resume giving my XX/XX/2020 payment. On XX/XX/2020, I contacted WF again and asked them why was my acct still showing that our loan was in foreberance two months after we had requested that it be updated. XXXX, the first rep told me that i had skipped a step and transferred me to XXXX from the mitigation dept. Who then confirmed that I had completed all of the paperwork and did not understand why my acct was still in foreberance. XXXX said that my XXXX and XX/XX/2020 payments had been applied to XXXX and XX/XX/2020 instead of XXXX and XX/XX/2020 payments. He also said there was nothing he could but assist me with filing a complaint with the proper Wells fargo complaint department. XXXX allegedly filed the complaint and said that I should hear from this department by Thursday, XX/XX/2020. I am filing this complaint now bcz I have been denied a loan bcz after two months my account continues to remain in 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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 a 2 requests CERTIFIED to both XXXX  and Transunion XX/XX/2020 and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. I attached the notice of delivered. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their 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 explanation