BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Convergent Resources, Inc.
State: NJ
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 letters to Credit bureau stating this account is very old from year XXXX which should be off my credit report account they are Re-aging XXXX account # XXXX the year they have on my credit report XX/XX/XXXX on my credit report it comes off XX/XX/XXXX it should have been off my credit report years ago company name Convergent outsourcing 7years to report this company is reporting wrong information they re-aging this account they sent back letters saying its Verified

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 2022-03-11
Company: EQUIFAX, INC.
State: MI
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:
My updated credit report from Equifax was reporting of a inquiry that is not connected to me. The inquiry posted should not be on my report because I have neither inquired nor reached out to this inquiry. If Equifax has made an extensive investigation about this, they should have removed all this inquiry. However, they have not their duties of either confirming the item and/or reaching out to me to notify. Here is the list of the unauthorized inquiry : XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions 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:
These are not my accounts, nor my addresses. Please remove them.

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 2022-10-03
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have never entered a contract with LVNV funding in my life. This company is reporting negative information on my credit report as if I have. They had a letter sent to me from a supposed " attorney '' attempting to get me to pay them money. I responded to them requesting they validate this alleged debt and they have not provided me what I requested only statements. This is my last attempt at a resolution before I sue LVNV, XXXX XXXX Bank, and this pretend attorney they have all now given my personal information to. XXXX XXXX charged off this alleged account and I never received a 1099-C for such. I'm holding every party accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I had a {$300.00} limit credit card with Capital One that was charged off in 2018. The debt was sold to a XXXX party debt collector. My credit report still shows the account with Capital One, with a new entry for non payment added every month. When I try to contact Capital One by phone I am transfered to a voice-mail for what I assume is the XXXX party debt collector as soon as I enter identifying information. I am not able to speak with anyone at Capital One. Since Capital One no longer owns the debt I believe my credit report entry showing a balance with Capital One is in error. Please assist in addressing this matter, as this entry on my credit report has made it impossible to rent an apartment despite having sufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I applied for a Capital One Venture card, when sent the later for denial the reasons are in violation of 15 U.S Code 1691B ( 2 ) " it shall not constitute discrimination for purposes of this sub chapter for a creditor TO MAKE AN INQUIRY OF THE APPLICANTS AGE OR OF WHETHER THE APPLICANTS INCOME ... ..OR OTHER PERTINENT ELEMENT OF CREDIT WORTHINESS AS PROVIDED IN REGULATIONS OF THE BUREAU ; I would like to be granted an account with capital one with a limit of {$5000.00} of my own credit. I the consumer is the original creditor, they used my social security card for a transaction and was denied. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$580.00} XXXX XXXX XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$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 2023-03-15
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The IRS ( XXXX XXXX ) received a 480.6A form from Synchrony Bank indicating that my debt was discharged. I did not settle this account with Synchrony, I have not file for bankruptcy or authorized the debt to be discharged. Now the amount of {$5300.00} is considered income and I have to pay taxes. 

Account- 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 explanation
Consumer complaint received 2021-10-25
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on selling my home in Colorado on XX/XX/21. Since closing, I have called US Bank Mortgage to request a refund of any remaining escrow, to verify that the correct payoff amount was given, and to update contact information for any correspondence that may necessary to refunding my escrow account. Since XX/XX/21 I have tried calling their mortgage customer service number 3 times and each time I can not get any person to talk with me. Ive been on hold for 25 minutes, 8 minutes, and 21 minutes. Ive called the main US Bank phone number today, XX/XX/21, and the representative tried very hard with different numbers she had available to her and we still could get no one on the phone. I reached out to their corporate number to complain and seek resolution, but the corporate number redirects to the 24/7 general customer service number. I can not reach anyone in their mortgage department and the customer service representative today was unable to do so, too. They have no email address for customer service or any other means to contact the mortgage department beyond the 800-number than no one ever answers. I can not even leave a message anyone.

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 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have sent a payment but was not processed on time, after I sent the payment it took them 3 weeks to process the payment which made it late because of their fault not mine. paid the entire balance, my balance was supposed to be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, I'm attempting to make an additional payment on my Synchrony CareCredit Card and the website will not allow me to log in to do so.

I contacted support via the " chat with us now '' option and she was unable to provide any kind of assistance other than to call an 800 number - which I will not do because of excessive hold times.

I keep track of my user names and passwords in an extremely methodical way ( I'm a website developer ) and know that my user name and password should work as they have not been changed since my account was set up last year.

To this point, payments have been coming out electronically, but I would like to pay more on the card to avoid high interest payments when my zero interest time period ends in XXXX. 

When asked to leave a survey after speaking with chat - I did so and I got an error that it wouldn't accept my feedback ( I have a screenshot ). Further - when trying to recover my account information, I was given error messages at every attempt ( I have a screenshot of this, as well ).

It very much appears that I am being kept out of my account intentionally so that I can't make additional payments and so that they can use that to their advantage when my zero interest time frame ends. 

I would like to know why their website doesn't work. I should be able to access my account as I like and make payments thusly. 

This appears to be a fraudulent attempt to sabotage those efforts and I would appreciate an investigation and a remedy. 

Thank you for your time and attention to this matter, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There is an account showing on mine and my husband 's report that is not correct. It's XXXX XXXX XXXX XXXX. We have disputed it with the bureaus and it still hasn't been resolved. They are showing the account charged off many years ago but has a balance of {$220.00} and a past due balance of {$1100.00} how in the world is that possible? There was no investigation otherwise this thing would be lined up.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since XXXX waiting for a response. i will not wait amount 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is a credit card from Bank of America account no : XXXX. I tried calling Bank of America Credit Card unit, Fraud unit, closed account, charge off and there is no such credit card with my social security number. This is affecting my credit report and I am unable to refinance my house. I attempted to call various departments with Bank of America and have not had any luck resolving this issue.

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 2017-11-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was given this link when I obtained my Equifax free credit report to make a dispute for incorrect information, it does n't work -https : //www.ai.equifax.com I called, ca n't get a real human on the phone. 
I never have been, nor ever will be XXXX XXXX, I am XXXX XXXX. How a major credit bureau could XXXX up my last name is beyond belief!! My XXXX is XXXX XXXX. I need this corrected with the recent breach I 'm afraid someone is going to use my credit with the wrong last name and get away with it. Before that nightmare begins can you please help me get Equifax to fix my last name on my entire credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: Trans-Fast Remittance LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I created an account on TransFast ( https : //www.transfast.com ). After spending days verifying my identify and bank information, I sent my first transactions. Within minutes after sending they cancelled my transaction without telling me why, and told me I can no longer use the service. Furthermore, they maintained my banking information, and the recipient banking information on it 's website, without the ability to remove this sensitive information, nor the ability to close the account. 

I want this information removed from their website, and they would not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: AZ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, INC.
State: SC
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:
Hello, my name is XXXX XXXX dob:XXXX SS # XXXX, I have call the credit reporting agency ( equifax ) several times and even sent certified letters to them informing them that I have inaccurate information reporting on my credit report.Everytime I call they always tell me that it 's nothing they can do while rushing me off of the phone, my problem is that I have 6 hard inquiries on my credit report that I was totally unaware of until I pulled my files, im now taking the necessary procedures to getting these unauthorized inquiries removed from my acct, these hard inquiries need to be removed promptly as they are making it hard for me to accuire credit These are the inquiry 's that I would like deleted/removed from my report to show my true credit worthiness, thank you so much INQUIRIES : 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 2021-10-25
Company: EQUIFAX, INC.
State: AL
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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX & XXXX XXXX Last verified, date of last activity, date opened, closed date are all reporting incorrectly. I also know that XXXX uses deceptive practices and I feel as if this is one of those cases. 

Equifax- Is reporting a debt that I have no way of knowing what it is because they do not show a creditor. This must be deleted, how is this affecting my credit but I have no way of knowing who its from!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: GA
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:
I had a pre-approval offer with Chase because of my long standing account that was perfect history. I applied they did a hard pull on my credit file for which they would not inform me of what credit bureau they pull from. I was declined even though I have a XXXX credit score. Very misleading advertising and pre-approval notice is dishonest practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX XXXX XXXX, XXXX XXXX XXXX on my Transunion and XXXX credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect, the accounts are not a charge off, they were paid off. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing

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