BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a new Complaint on XXXX XXXX XXXX XXXX. I never received XXXX-mortgage interest statements from XXXX XXXX XXXX XXXX from XXXX - XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to XXXX XXXX XXXX from my checking account with XXXX XXXX XXXX. I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
XXXX XXXX never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. XXXX XXXX XXXX XXXX did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for XXXX XXXX XXXX paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. XXXX XXXX XXXX XXXX have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is 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 2019-10-18
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX continues to furnish information on credit file. Im unaware of this account. Ive made several attempts to contest to contract, in addition validation of signature, company failed to comply according to FCRA Guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: MARINER FINANCE, LLC
State: NC
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:
Mariner Finance used ( hard credit ) without my permission

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 2017-07-09
Company: U.S. BANCORP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a new Complaint on U S Bank Mortgage. I never received XXXX-mortgage interest statements from U S Bank mortgage from XX/XX/XXXX - XX/XX/XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to U S Bank from my checking account with XXXX XXXX XXXX I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
US Bank never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. U S Bank Mortgage did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for US Bank mortgage paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. U S Bank mortgage have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is 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 2019-10-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
More than 200 checks issued to me or my business disappeared in early 2017. By XXXX, they were discovered and by XX/XX/2017 traces completed. All items had been deposited into a Wells Fargo account created by Identity Theft but to which I was denied access to any information regarding the account, who was involved etc. 

A Police Report was filed with XXXX Police in XXXX of 2017 and a claim made with FDIC. To my surprise, the onsite manager of my Bank, XXXX XXXX XXXX, interfered with successful resolution by reporting the items had been previously deposited to my XXXX XXXX   XXXX account by Scan. 

The OCC ruled the items never deposited by any means to my XXXX of XXXX account and therefore my claim for Deposit Insurance didn't apply but in the process verified the checks were never in my possession. 

I still have no information about the account so I may press my rights regarding exposing and stopping the Identity Theft and at the very least making available the means by which the monies can be repaid.

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 2017-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
cybersecurity incident Equifax on XXXX XXXX, XXXX notice of data breach. I got letter XXXX XXXX. I used a mastercard to pay for a credit freeze service with Equifax, XXXX XXXX my name was accessed, along with my name, address, and the expiration date of the card used. before I got this letter, I had tried to make a purchase my card it was declained. I called credit card company I was told there was a breach and I would be sent and new card by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires has been fraudulently and unauthorized placed on my credit file, I'm asking that they be removed. 

( 1 ) XXXX XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX ( XXXX ) ( 4 ) XXXX   XXXX ( XXXX ) ( 5 ) 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 2019-06-17
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact this collection agency, Midland Credit Company and XXXX XXXX XXXX asking them several times to send me vertifiable Proof ( Original Consumer Contract with my signature on it ) stating this debt of XXXX is mine. I sent ( 4 ) different letters asking for the information to be sent on XX/XX/2019, XXXX XXXX, XX/XX/2019 and XX/XX/2019. They have failed to positively verify this account which has hurt my ability to obtain credit. Midland Credit Management continuously sends bills and collection letters in the mail that DON'T belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me with a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX  and XXXX Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has now sold this unsubstantiated debt now a 3rd time.
I hav asked XXXX XXXX XXXX to send me th supposed orignal contract i signed, and of course none of them do or can ... first it was sold to XXXX XXXX -- i made a complaint- and their response was to stop the wrongful collection -- - then XXXX sold it to XXXX XXXX -- who again- could not validate the debt -- - after i made a complaint against them ... that was about a year ago.. and they agreed to stop harassing me and closed their file -- now XXXX is at it again -- -- sold it to a third collection agency XXXX XXXX ( XXXX ) XXXX acct # XXXX- I explained the situation to them, and they also can not validate the debt - i told them as well show me a contract i signed -- -- i did not and never did order this service..
<P/><P/>
For your reference -- prior complaints numbers for this same wrongful debt collection..
the XXXX complaint number is # XXXX this complaint was made on XX/XX/XXXX They ceased collction and then started again and another complaint was madeXX/XX/XXXX # XXXX- they finally stopped their wrongful collection.
<P/>
XXXX XXXX was also trying to collect this debt early XX/XX/XXXX and i made a complaint # XXXX also on XX/XX/XXXX- they also agreed to sopt collection this debt i do not owe.
<P/>
thank you XXXX XXXX 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXX ( XXXX ) [ 2 ] XXXX XXXX ( XXXX ) [ 3 ] XXXX XXXX XXXX XXXX ) [ 4 ] 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 2019-10-18
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: OR
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:
My name is XXXX XXXX and I work for XXXX XXXX, an identity theft protection service. Since XX/XX/2019, we have acted as Power Of Attorney for XXXX XXXX. 

XXXX is a victim of identity theft and one of the actions the identity thief took was opening a XXXX account on XX/XX/2019 under XXXXXXXX XXXX name and SSN. 

On XX/XX/2019, via a conference call to XXXX, XXXX and I made XXXX aware that the account was opened fraudulently in XXXX 's name. XXXX has since cleared the account as fraud on their end, and have provided ticket # XXXX as confirmation, yet the account and two associated inquiries are still showing on the National Consumer Telecom & Utilities Exchange. 

I sent a dispute to XXXX and the National Consumer Telecom & Utilities Exchange on XX/XX/2019 and then again on XX/XX/2019. In both cases I sent power of attorney, proof of address spanning many months, drivers license, W-2 as proof of social security number, police report, and FTC ID theft affidavit. These were mailed by the post office. I am attaching them to this Consumer Financial Protection Bureau complaint. 

On XX/XX/2019 XXXX left a VM for me confirming they received a complete fraud dispute packet and an investigation has started. 

Both disputes to the XXXX XXXX XXXX XXXX XXXX XXXX were replied to by simply sending me a credit report and confirming a fraud alert was added. The removal of the fraudulent XXXX records was not completed and no explanation was provided. 

On my second request, I advised it was my second request, and that if necessary, my third request would be sent to them through the Consumer Financial Protection Bureau. 

On XX/XX/2019 the XXXX XXXX XXXX XXXX XXXX XXXX sent another credit report and it still shows XXXX inquiries and a delinquent account with XXXX. 

These need to be removed as they are a result of fraud and I have provided all necessary documents to clear it as such, as early as XX/XX/2019. 

Both the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX needs to review their fraud handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello. 

I received a collections letter from MRS BPO , LLC. regarding a {$840.00} debt owed to XXXX. I contacted XXXX resolutions team in addition to their collections team and this debt is unbeknownst to them. In addition I do not have a XXXX XXXX account. I explained this to MRS representative and she stated that I can call back in 2 weeks to see if XXXX has dismissed the account/bill. I became suspicious when she stated she could not provide me the telephone number or the any other demographic information that a collections agency should possess if they are legitimate in handling a legitimate account. In addition I never received delinquent pay notices or final notices from XXXX XXXX prior to account submittal to this so called collection agency. 

Here is the info : MRS BPO , LLC : XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. 

This company is listed online for reviews as a scam. Shame on you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
on XX/XX/21 bank of America blocked my debit card for no reason demanding I got to a bank with 2 forms of id even though I've informed them that my identity is completely verified with CA XXXX they still would not unblock my account. I had to contact edd for them to send over verification of identity and they unblocked it on XX/XX/21 not even 2 weeks later they have done the same thing on XX/XX/21 theyve blocked my account again for no reason without trying to confirm my identity. this is impacting my ability to pay my bills and mortgage putting me at risk of losing everything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: MO
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 did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXX ( XXXX ) [ 2 ] XXXX XXXX ( XXXX ) [ 3 ] XXXX XXXX ( XXXX ) [ 4 ] 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 2019-06-17
Company: EQUIFAX, INC.
State: MO
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 did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXXXXXX  ( XX/XX/XXXX ) [ 2 ] XXXX XXXX ( XX/XX/XXXX ) [ 3 ] XXXX XXXX ( XX/XX/XXXX ) [ 4 ] XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 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 2019-06-17
Company: EQUIFAX, 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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Paid off my Lowes account 3 months ago and they have not reported it paid. I have copies of the bank statement that they cashed the check. This is slowing my credit from being restored.

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 2020-11-27
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, {$1000.00}, XXXX, XXXX XXXX has sold Lvnv Funding a debt that effected my credit score. I contacted XXXX  XXXX and they will not release any itemized statement or fine print to established this debt nor LVNV Funding.3 and half years, I disputed the debt was not mine and asked for it to be removed and deleted off my credit history. Now they are moving this account through all 3 Credit Bureaus which is hurting my credit score and costed me lot of wasted time. I sent police report of identity theft to all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection was added to my credit reports for a late payment in XXXX of 2018 in the amount of ( XXXX ). It for a {$2.00} payment for my XXXX account. It is an account for XXXX, but apparently ( I assume ) the billing process at some was taken over by Wells Fargo, so the account appears as /WF/XXXXXXXX  After several debits from my checking account by WF, I put a stop on it, simply because I has no idea who WF was? Ultimately, I spoke with XXXX customer service and after they explained who WF is and their relationship to my XXXX account, I paid the {$2.00} and XXXX agreed to remove the late payment. 

I have disputed this late payment with all three ( 3 ) credit agencies and they have come back with essentially with " Consumer Disagrees ''. XXXX is not following up with what they told me over the telephone. 

A review of my credit files will show this is the only blemish on my files. This {$2.00} late payment is reducing my FICO score about 40 point! A review of my credit files will also indicate there is no way I would jeopardize my credit worthiness over {$2.00}.

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 monetary relief
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had multiple fraudulent credit inquiries show up on my credit report as well as fraudulent accounts opened. I reported to the credit bureaus and initially a freeze was supposedly placed by all 3 bureaus. Then a fraud alert was placed by all 3 bureaus. However, each time I pull my credit report, more inquiries are flowing in and in excess. Any creditor is supposed to contact me personally if my credit is pulled and I have yet to receive a phone call from any of them. One credit report has 22 inquiries. One has a note stating to contact me but yet there are 9 inquiries in the last 3 months. My entire wallet was stolen and my social security card as well as my drivers license, checkbooks, credit cards, etc were all taken from me at gunpoint. That was 4 years ago and I have had issues since that incident.

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