BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
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 called Experian 's fraud department on XX/XX/XXXX and spoke with a representative. I requested Experian delete an unauthorized inquiry from XXXX  XXXX  on XX/XX/XXXX as it is against the Fair Credit Reporting Act to report unverifiable and unauthorized information I informed the experian fraud representative that I have already attempted to dispute this through XXXX XXXX. 
The employee from Experian said she can not delete this information and that XXXX XXXX can run my credit without my consent and that the FCRA does not apply to them. Running my SSN without my consent is identity theft, illegal, and fraud. I want this inquiry deleted from my report or I will contact the attorney general and press monetary charges for violations.

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 2022-04-07
Company: Convergent Resources, 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: Account status incorrect

Complaint:
On XX/XX/2022 I settled my debt with convergent outsourcing. The original creditor is XXXX in which I owed XXXX. After settling I realized that the same debt was reporting to my XXXX credit report. Today is XX/XX/2022 and I have duplicate accounts reporting to my credit report. One of which is stating I still owe XXXX. I have contact XXXX and Convergent Outsourcing with no success.

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 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 contacted B of A card services by phone on XXXX to inquire about my three charge-off credit cards. 

The customer service representative in the collections department informed me that my accounts were no longer with B of A and that they were " placed '' with XXXX XXXX XXXX. 

According to XXXX, placement is the sale of securities. 

From my understanding, if a charge-off debt was sold, the balance being reported on the account should be {$0.00}. 

So if my debt was " placed '' with XXXX XXXX XXXX, the debt would have then been sold, and the balance reported to the three credit bureaus on my three charge-off debts should be {$0.00}.

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 2022-08-13
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:
On XXXX of XXXX I wanted to see if I have good credit to qualify to get a loan for a car. I downloaded my credit report and I seen I have a lot of inaccurate information and unauthorized accounts in my credit report that I dont recall or ever remember me signing any invoice on this accounts .Ive tried writing letters to the debt collectors and contacting the 3 major Bureaus as well to fix this problem.still no resolution.

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 2017-10-03
Company: TD BANK US HOLDING COMPANY
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:
Hard inquiry on my credit report from XXXX that was an attempt of identity theft, I had already talked to XXXX, when they sent me a letter asking if I had made this request for a credit card, on XXXX XXXX, 2016. I called them & told them I had not requested this card, They understood & were very apologetic, They told me they contacted the credit agencies and reported this, I also joined all three agencies & sent them copies of our problem. the other agencies canceled this inquiry, but not XXXX. I have also tried through XXXX  XXXX to dispute this, but every time I tried, when I went to dispute, it never would come up so I could dispute it. I have called them to tell them, but I can not seem to get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

I am also a victim of identity theft in 2020 and a victim of identity theft in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 i was overcharged by a cashier at the local XXXX  that not only rang up my order 3 times but also stepped away with my debt card and went to a back area where only employees were allowed and had my debt card the entire 18 mins, doing something i believe was illegal because i was overcharged XXXX $ soon after my original total was XXXX $ but when i got home i realized i was charged XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 my XXXX and XXXX Accounts were both flagged as collection from the company of Enhanced Recovery Collections. I attempted to dispute this collection on the XXXX of XXXX. On the XXXX of XXXX my dispute came back at validation of debt. I called ERC to settle the account ( which is not mine ) for {$290.00} to get it off of my reports. They were rude and very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In XX/XX/2021, XXXX gave an offer of signing up for XXXX 's XXXX that they would pay {$45.00} for. I don't use my XXXX card much since they changed purchase protection. So buying XXXX XXXX XXXX was the only thing on my card. I paid the {$3.00} in taxes but instead of taking care of the {$45.00} as they promis3d, they said it would take XXXX billing cycles. The amount remained on my card since I purchased nothing else with my card. Instead of wiping out the debt they promised to pay, they charged exorbitant late fees and interest charges, which I then I had them removed. This went on for a couple of months until I just canceled the XXXX 's XXXX membership as it did not look like they would ever honor their promise and they were reporting me late to the credit reporting agencies for money I did not in fact owe. I tried to get them to remove the late reports and they refused. I disputed it with the XXXX agencies but Experian also refused to remove it. This has significantly hurt my Experian score and my ability to get a new credit card which affects me greatly. XXXX 's practices were greatly deceptive. ( XXXX had like offers and immediately removed the charge. I had no expectation that XXXX would not due so. It was after the fact that I learned they wouldn't. ) I think both XXXX and Experian should be forced to immediately remove these late reports and adjust my score accordingly.

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 2021-04-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to Equifax and XXXX on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Manhattan Beach Venture, LLC
State: FL
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:
XX/XX/XXXX XXXX XXXX has refused to furnish the documents I need the loan servicer to provide me with the signatures that are proving to me that I signed each loan. I don't want a photo copy of any other document other than the actual signatures signed by me for each loan amount for each check they cashed by the school. I want to see now the proof that I signed for each amount and I want proof that I was advised these amounts were being used for the school. I want a full ledger of the account and a copy all disbursements that were physically cashed by me. I want all the records this sent to my current address. from all dates that I was ever enrolled with XX/XX/XXXX XXXX XXXX. I want these records and if all these records can not be provided I demand relief and removal from my credit report, reporting to the credit bureaus must cease. And if University

Company response to consumer: Untimely response
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reports act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.

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 2017-10-03
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I was unable to pay the minimum amount due on my Citibank Credit card / Home Depot account due to losing my job, I called in effort to proactively make an arrangement until I was able to get another job. On the very next statement I received the minimum payment then due was {$600.00}, which was far more than what the original minimum payment. Citibank used the information given to them to place my account in debt collection for them to be able to write it off. I do n't understand how this is even legal. 

Needless to say I did everything I could to try and resolve the matter and went into debt collection with an agreement to pay {$45.00} per month until the debt has been paid in full. I do not receive any receipts or current balance or even monthly statements of the debt and this payment has been made now more than a year. I have no way of getting in contact with them and do n't know how I can find out what the remaining balance would be. How can I resolve this? I 've checked my credit score on XXXX and there is no information about the account even listed any longer. What can I do?

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 2017-10-03
Company: EQUIFAX, 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:
On XXXX XXXX, XXXX I disputed all negative accounts and inquiries on my credit report with Equifax. On XXXX XXXX, XXXX I received an alert from XXXX XXXX to log on to my account due to changes. I logged on and I noticed that all negative accounts and inquiries was deleted from my credit profile. I printed out that report and highlighted all. On XXXX XXXX, XXXX I decided that I would purchase the Equifax XXXX Solution I looked on the report by Equifax and noticed that all negative was deleted from credit profile. I printed out report and highlighted all. On XXXX XXXX, XXXX I logged back on to Equifax website and noticed that all negative and inquiries that was removed are now back on my credit profile. I was not notified by Equifax for the matter. All I want is those negative accounts and inquiries remove permanently. I know that Equifax was supposed to notify me through email or letter, explaining why these accounts was added back to my credit profile. I have not received anything in the mail nor my email stating why all was added. I will upload all evidence showing my credit report on XXXX XXXX to XXXX XXXX, XXXX. I also highlighted the dates and all items I want off my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are some accounts listed on my credit report that are not mine, and or that I don't recognize. Please remove them 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 2021-06-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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: Reporting company used your report improperly

Complaint:
As everyone knows at this point, last week XXXX had a data breech of 143 million Americans ' Social Security numbers. Included in that leek was the  numbers of my family members. I have placed Fraud Alerts for each number, however these alerts are only temporary ( 90 days ) and are simply alerts - they do not prevent would be criminals from stealing my or a member of my family 's identity. 

Each of the reporting companies are currently charging $ XXXX {$15.00} per social security number to freeze and unfreeze access to that number 's credit history. This amounts to $ XXXX {$45.00} per person in my household. For the rest of my life my identity has the potential to be compromised and the credit reporting agencies - that any competent court will find is guilty of gross negligence - are attempting to extort money out of their mistake? 

This abuse is not simply isolated to credit freezes. In an attempt to capitalize on XXXX 's negligence, XXXX has reorganized their website yesterday ( XXXX/XXXX/17 ) to hide their credit freeze page behind a paid credit monitoring tool. XXXX, in a clumsy attempt to reduce potential liability, tried deceiving Americans they harmed by offering " free '' credit monitoring for one year - all you need to do is agree to an arbitration clause that was hidden in the Terms and Conditions. Without doubt some of those " one-year free '' accounts will lapse into the next year, ultimately increasing revenue foXXXX XXXX, the same company that compromised 143 million American 's identity. 

No member of the American public ever gave consent for XXXX, Experian, or XXXX to be custodians of our social security numbers. For us to be expected to pay for their gross negligence is not simply irresponsible, it contradicts the foundations of accountability and representation our great country is built on. 

You say in the instructions of this form to not include personal information such as my name, account numbers, address, and Social Security number. Yet, due to this breech, any criminal can find this information for a small fee. My personal information will in time become part of the public domain. Both the Consumer Financial Protection Bureau and Congress have a duty to act on behalf of the American people.
Until a solution can be agreed on in Congress, I urge the Consumer Financial Protection Bureau to take action in compelling the three major credit reporting agencies to 1 ) make credit freezes free for those impacted by the data breach and 2 ) make the credit freeze option easy to find.

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 2020-01-20
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating this company was trying to collect a debt for another company. With this other company there were three checks written. the bank - XXXX XXXX XXXX XXXX and the check cash agency - XXXX charged numerous fees. I did not know I was only paying fees. This does not make sense to me. The money was in the bank when I wrote the checks and when the checks presented to my account. I will not be responsible for employee error, computer error and employee mishandling and misrepresenting the facts of my account. I have sense closed this account and filed complaints against the bank. this debt if any belongs to the bank.. the bank has paid everyone else including itself. Why the originating reason for any action ( paying the presenter of the check ) was neglected is the banking error. XXXX also collected for itself. I had a conversation with a XXXX agent who evidently facetiously did not do what she said she would do. All if any debt to XXXX XXXX XXXX  associate with the collectors claim belongs to the bank and XXXX. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation