BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am divorced from a very XXXX man it has taken me 6 six years to free myself from him, this company found my Ex-husband looking for me. He went to my work today, however my employee knows of the XXXX and would not let him see me. he than waited by my car to tell me the company contacted him looking for me. This man is abusive physically and mentally by them calling they have now put my life in danger. I work in a place that now has to watch out for my visitors. How can they be allowed to just risk a persons life without finding out the details. This is awful from this point on I will be documenting all contacts with the company, if something should happen to me it will be on 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 2022-08-29
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello CFPB, My complaint is about XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I had a appointment for a medical procedure. XXXX XXXX. I did go to the office but the procedure was not preformed. 
XX/XX/XXXX I received a bill for {$440.00}. My company alway pays all medical bills but my insurance let me know that this medical doctor is not allowed. I called the XXXX XXXX Billing number. Let the rep know that I will pay for the visit but that the XXXX was not done. She could check my files to see that no XXXX results. She said she would research and give me a call back. She never called me back. 
XX/XX/XXXX I spoke with the doctors nurse. She would look into it but never got back to me XX/XX/XXXX Called billing again and left a message. No return call XX/XX/XXXX I emailed XXXX about the incorrect bill XX/XX/XXXX drove to the medical offer and spoke to the front desk. They told me that only the billing department could speak with me XX/XX/XXXX emailed the billing Dept about the incorrect bill. No response. 
XX/XX/XXXX XXXX called me back I went through the details and she let me know I should go to the medical office and talk to the patient manager. She would not send to collections because I was working to resolve the issue. 
XX/XX/XXXX I received a letter from Clear Management Solutions in a attempt to collect the {$240.00} for the XXXX that was not preformed. I called and the rep recommended that I write them a letter to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to Experian. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) XXXX. XXXX XXXX XXXX  : still on my credit report supposed be deleted 3 ) XXXX XXXX : still on my credit report supposed be deleted 4 )  XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As XXXX military XXXX  serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.

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 2021-10-09
Company: Bread Financial Holdings, 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: 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 30days and I haven't received any dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) Account # XXXX ( XX/XX/2022 ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions I have recently been informed that there is negative information reported by [ XXXX XXXX # XXXX ] in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ Collection accounts- XXXX XXXX was put in chargedoff {$1100.00} ] in [ XX/XX/2022 ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ XXXX XXXX ] and provide me with copies of any documentation associated with this account, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After filing a complaint with you in around XXXX Ocwen handled me with kid gloves finaly I though I was getting help. They did modify my loan but only to send an increase before the official payment was made. They claim this is do to Escrow. I understand Escrow goes up however they had all the correct information prior and while doing the modification. I feel Ocwen did this to hurry up and get of your records in a timely fashion. Please look into this process I feel I am not the only XXXX. I would like Ocwen to do a fair modification. I almost did n't write this but felt that if this is common practice it is fraudulent in the less. thank you

Company response to consumer: Closed
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The following Names, Address and Phone number are being reported by the credit bureau Transunion which is violating Federal laws they are NOT me and All is incorrect and non deliverable. I called to get them removed around XXXX and I notice on the newer credit reports XXXX they were not removed..

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 2022-08-29
Company: EQUIFAX, INC.
State: FL
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
I had a credit card with this company that I ALWAYS PAID ON TIME and I paid it completely off at least once and made huge payments on a monthly basis. I'm a XXXX and my income was impacted by Covid ; I communicated those struggles to Amex and was eventually was offered to enroll in a Hardship program. I enrolled and have been current ever since. However my credit report is reflecting 30 days late for 4 months ( XXXX, XXXX, XXXX & XX/XX/XXXX ). My credit score was in the high 700 's and now I'm in the low 600 's. I've called Amex numerous times asking for help but received rude, poor customer service and no help. I've disputed with the credit agencies multiple times and have had little to now change. It would be nice to have them removed but at this point, I'm simply asking for the 30 days late to be changed to ND ( national disaster ) so my score isn't negatively impacted. I've attached a copy of my XXXX  payment history below for your review. Please help! 


Account Name : AMERICAN EXPRESS Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Status : Open. 

OK+ Show 2 more years Payment history guide 30 days past due as of XX/XX/XXXX to XX/XX/XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Southwest Credit Systems, L.P.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST FOR INFORMATION TO 3rd Party Debt XXXX : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a request for information for Company Name and Account #. Please provide the following information : 1. All billing statements from the date of account opening 2. A signed contract with my name on with your company.

3. Date of First Delinquency, and Date of Last Payment 4. Proof showing me that you incurred a loss from me.

I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. 
Please forward all correspondence regarding this matter to the address stated above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CURO Intermediate Holdings
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX has damaged my credit and defamed my credit by doing the following : 1. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor. 
2. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: IN
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 filed a report last year to remove a debt in collection because I did not owe the debt. I contacted the collection agency and all credit reporting agencies. The debt was subsequently removed.   XXXX   XXXX   and the big  XXXX  credit agencies allowed the debt to reappear with a new debt thus re aging a debt that I do not owe and putting me in the same situation as a year ago requesting the debt to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I've sent numerous certified letters, demanding that I wanted all inaccurate information removed and that I wanted all the closed accounts removed from my consumer report, as Transunion did not receive my written consent to publish anything Pursuant to XXXX XXXX XXXX. I am not a third party and am the natural person, consumer and creditor.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I first contact ed Navient via fax and mail on  XX/XX/XXXX  sta ting that I was missi ng 9 payments in all from  XX/XX/XXXX  and  XX/XX/XXXX . Finally  on   XX/XX/XXXX  I  received a letter fro m Navient asking me to supply them bank information regarding the payments I made. They wanted me to obtain the Electronic Funds Transfer ( EFT ) numbers of payments and the address to which the payments were sent so that they can research my account.. All the information was faxed and mailed to them on XX/XX/XXXX . I wrote and m ailed another letter asking for a status update on   XX/XX/XXXX and ne ver heard back. I called customer service o n XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX  and   XX/XX/XXXX . Was alwa ys told that it was still in review I could never get a supervisor or anyone from upper management on the phone. I have filled a complaint with the Federal Trade Commission and the BBB. The amount of missing payment and the outstanding interest is more than enough to pay off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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:
Someone has applied for a mortgage loan that was not me ( XXXX XXXX XXXX XXXX. Using my personal documents SSN. identity theft on my consumer report. Please remove all accounts off my consumer report please.

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 2022-08-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-06-14
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
On  XXXX   XXXX ,  2017 , I was checking my credit report and saw a hard inquiry fr om CBNA ( Citibank of North America ) Last Reported  by  XXXX   XXXX   XXXX ,  2017 . I did not apply for a credit card from cbna or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my  credit score better and do not need companies do hard inquiries into my credit history 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 2021-11-22
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation