BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive requested a 1099c form from XXXX XXXX XXXX XXXX XXXX so I can file the debt on my taxes they failed to provide me with a form so I asked did they file they wouldnt give me an answer and they are updating this balance as an open account in all 3 of the credit agencies transunion XXXX and 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: Sezzle Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I've been in an ongoing argument with SEZZLE and XXXX XXXX to attempt at getting my refund totaling in XXXX dollars that I had made and already paid for that XXXX XXXX claims to have already refunded me but sezzle and XXXX XXXX are doing some kind of scam because I've received not money from either company for an order I made XX/XX/XXXX I'm the customer why the XXXX am I left with no hair and no money?!?!?! They also don't comply with there own contract where they say I'm not responsible for any future payments involving that order XXXX I'm so upset I don't go around giving out free money for no XXXX reason that sounds stupid to me XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I have attempted to contact Chex Systems and XXXX XXXX XXXX ( North Carolina ) multiple times and they refuse to remove this fraudulent account from my credit file. I am a victim of identity theft and I have provided Chex Systems and XXXX XXXX XXXX  ( North Carolina ) with every single document that is required to prove that identify theft has occurred and what is need to have these accounts removed. I provided a full Federal Trade Comission affidavit that is notarized, the XXXX XXXX Police report that list each account/ item that I am requested to have removed from my Chex systems and XXXX XXXX XXXX ( North Carolina ) report. I have talked to many representatives that have refused to assist me and comply with the Fair Credit Reporting Act. I am requesting that this information listed below be removed using the provided documentation to the consumer financial protect bureau and mailed on XX/XX/XXXX to Chex Systems and XXXX XXXX XXXX ( North Carolina ). I am requesting that this is completed immediately. Here is the account that I am requesting to be deleted : XXXX XXXX XXXX XXXX NORTH CAROLINA ( {$200.00} ) - ACCOUNT NUMBER : XXXX - ( OPENED : XX/XX/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 2022-02-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME 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 2018-08-11
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: Information belongs to someone else

Complaint:
The original creditor/furnisher which is XXXX XXXX XXXX  credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I called my mortgage company Shellpoint for options because I was not being able to paying the mortgage. I was giving the option to extend my forbearance. I was told that my credit report would not be reported late and I did not have to pay until XXXX. 
Early XX/XX/XXXX I received a phone call that my mortgage was not paid. I told the representative I was on a forbearance plan. The representative told me she did not have any records of my forbearance. On XX/XX/XXXX I called my point of contact XXXX XXXX I left message he called me back XX/XX/XXXX and he informed she did not put it in the forbearance correctly he will put it in for me. I will not be responsible for XXXX, XXXX, and XXXX mortgage for sure and no negative reporting will be done. To be sure I called XXXX XXXX back on XX/XX/XXXX however he was on vacation I got routed to another representative XXXX informed me that XXXX nor the representative in XXXX has the right to say I am approved for the forbearance it has to be submitted for approval. XXXX also informed me that I was denied and needed to make arrangements. I was in tears and could barley talk. I had to call back XXXX. I tried calling he was on vacation. So right before XXXX XXXX I called back to XXXX XXXX he did not answer I spoke to Another rep she placed me on a loan modification. My concern was my credit report. I was told by Shellpoint that I wasnt going to have to pay XXXX, XXXX, and XXXX by being approved for a forbearance which will not report me late. It was until the XXXX I was told it wasnt true.She stated lets put the modification and after that file for a dispute. So on XX/XX/XXXX I called back to file a dispute XXXX still not answering my calls I was told I could only file online. So I submitted an online request and got a letter in the mail stating per cfpb and the fcra they are required to report accurate information. It is an abuse of power for a company to tell me I dont have to pay a mortgage and than report it late on my credit. The representative I spoke to in XXXX and XXXX both are representative of Shellpoint. I have now gotten a job at XXXX starting XXXX XXXX I have been now denied a job. I am requesting they do the right thing. I would have applied for a loan modification back in XXXX instead of waiting for them to mess up my credit. I requesting my credit be updated asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the last 60 days I have made extra efforts to pay down my balances as I was told by the credit bureaus, XXXX and Equifax, that this would improve my credit rating as it would lower my utilization. I made these efforts because I am in process of looking for a home and my career path also wants to see good credit standing. After making these efforts even though I get notifications my balances are being paid down my credit score plummeted by XXXX points which is drastically impacting my steps to improve my life and the bureaus have no answer as to why. They all agree that it is a considerable change but they dont provide any reason as to why its happening and even after filing a complaint with them I received no contact back or follow up in regard to this issue. It is very important that these issues be resolved as soon as possible because this is having a considerable negative impact on my career advancement and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: JPMORGAN CHASE & CO.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, my car was repossessed even though I have been making payments since my missed payment in XX/XX/XXXX. They wont allow me to pay only the remaining balance. They said I own them the entire loan of {$26000.00} instead of being able to make the payment that was missed. Ive had the car for two years and have made a payment every month from my knowledge. I even made a payment for XX/XX/XXXX and XX/XX/XXXX, but they still took my car. This was unjustified and I believe I should be able to get my car back by paying what was missed, instead of having to pay the entire loan back. I have called them multiple times to see if I am able to pay the balance of what was missed, but they are refusing and told me that there is nothing they can do once the decision has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The names of XXXX XXXX XXXX or anything XXXX related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/2016( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off 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 2021-02-05
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-02-23
Company: Experian Information Solutions Inc.
State: IA
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:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXXXXXX Clarity Services  ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX DoB : XX/XX/1993 Employer : XXXX  Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. 
Attached to this complaint are supporting documents to validate the accuracy of my personal information.

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 2023-12-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
UNAUTHORIZES INQUIRY -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