BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
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 have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX  ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 )  XXXX XXXX  ( XXXX ) 13 ) 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Improper use of credit report or have any knowledge of hard inquiries, listed below : 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 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 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt amount is false this account was paid and when I returned the equipment i was told I had a XXXX balance and now after 5 yrs this other compamy call convergent is saying that I owe XXXX XXXX I asked for proof and this statement that was sent to me is false, it also does not show that I had recieved credit for equipment that I returned and the service date is wrong, they sent me bogus statement.

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 2019-02-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Today I want to dispute one fee with JPMorgan Chase Bank. 

When I log in to my checking account in JPMorgan Chase Bank, it was overdrawn. I have transferred {$120.00} to cover it. However, when I check my account today, they charged a fee, it was called INSUFFICIENT FUNDS, and it costs {$34.00}. 

But the important is, I did transfer enough money from another bank via XXXX with XXXX after I realized. 

According to the rules in Chase.com : https : //www.chase.com/personal/checking/overdraft-services/standard-overdraft-practice > You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. If you deposit a check, this assumes we do not place a hold and the check is not returned. Here are the cutoff times for some ways of making a deposit or transferring funds from another Chase account : > At a branch before it closes > At an ATM or when using the Transfer Money option on chase.com or Chase Mobile or using Chase QuickPay with XXXX before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ) Then I found the transferring transaction was done at XXXX XXXX Pacific Time, which is XXXX XXXX Eastern Time. It's based on the email and transaction detail. 

According to the rules about XXXX with XXXX on their website : https : //www.chase.com/personal/quickpay > If your recipients bank is a XXXX member and supports real-time payments, the money will usually be available a few minutes after you send it. If your recipients bank doesnt support real-time payments, the money should be available in 1 to 2 business days. 

Which means when I requested the transferring, it already credited to my account before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ). Because XXXX XXXX supports real-time payments. 

If the money credited to my account in next day, which means it is not caused by me. They said it was credited to my account at XXXX XXXX  in next day. This is ridiculous. 

After I called their customer services, even transferred to the manager, they still did not give any resolution. 

XXXX XXXX delayed the transferring credited on purpose, just make sure they can have a reason to charge me an insufficient fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24
Company: FIRST NATIONAL BANK OF OMAHA
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 information incorrect

Complaint:
Called Numerous times over the last several years to get them to correct the write off amount of a settlement and they refuse and said hire an Attorney.

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 2021-09-01
Company: Applied Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: First Service Residential, Nevada, LLC
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Red Rock Financial Services at XXXX XXXX XXXX  XXXX XXXX, filed a Lien on my residence and would not provide a reason or any information for this grave legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Experian Information Solutions 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 have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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, Chapter XXXX Bankruptcy 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 2020-05-31
Company: Diverse Funding Associates LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/XXXX, this debt was paid directly with the original creditor. I have reached out to the organization requesting assistance. I was told they could not assist me because I was not paying them directly. In fact according to the amount the company representative indicated I owe shows I have made overpayment and am due a refund. They show no payments since XXXX and were unwilling to follow up stating the company takes 120 days to report a payment, at this rate it would be years before this debt would show paid in full. 
If I am paying, why won't anyone help to satisfy what is owed, is it because DNF is not receiving any money for receiving payments from me. This is inappropriate business practices.

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 2018-09-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: Experian Information Solutions 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 sent a dispute to the credit bureaus about a collection XXXX XXXX XXXX XXXX XXXX and have not received a response back or any results

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 2019-08-12
Company: F.H. Cann & Associates, Inc.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/19 recieved two documented calls from FH Cann within a 3 minute period. Once i returned the call and was notified of missing document needed i verified my address fo rit to be resent. The rep than asked about fax i gave her the number letting her know im not there and to not send anything with amounts on it. less than one minute later this rep sent me paperwork with every loan on it and im XXXX XXXX because i told her it was a public fax and to not send dollar amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions

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 2018-10-10
Company: Risecredit, LLC
State: UT
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 is reporting on my credit report for an account that isn't mine! It was fraud and I have a police report etc .... It was previously reporting on my credit under a collection company, XXXX XXXX XXXX, and that was removed ... Now this company is reporting and it is not mine! Its even paid but NOT MINE! YOu  will not be able to provide proof with my signature because I have never done business with them. 
THis is fraudulent & XXXX  is the only bureau reporting it with this company. Its erroneous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AS shown in the attached photos, an account was deleted because it could not be VALIDATED! XXXX XXXX XXXX had put the account back on my credit report under another corporation name ( XXXX XXXX ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( XXXX XXXX XXXX ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO EQUIFAX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an attached copy report with the creditors that I did not give permission to access my credit file Inquiries I did not consent to.

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 2018-10-10
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX - Contacted by phone - Contacted them about fraudulent account opened in my name. 
XX/XX/XXXX - Sent Letter - Dispute Letter and XXXX Fraud Questionnaire this included Police Report and FTC Report XX/XX/XXXX - Received bill from XXXX - Called the number given on the bill - I disputed the account and stated that I had been a victim of identity theft. The person on the phone stated that this account is my liability researched by XXXX the investigator. I asked for badge and/or last name of XXXX was denied. I asked the man on the phone for his name and he refused and then hung on me because my spouse was listening, Disconnected without giving me the name @ XXXX XXXX 
XX/XX/XXXX - Sent Letter - Sent FTC Report, Proof of Identity, and FTC Documents to dispute bill. 
XX/XX/XXXX - Received another bill. Called by phone to inform them that they were not supposed to be continuing collections protections.Called and talked to XXXX who tried transferring me to XXXX. XXXX phone was busy. I gave XXXX my cell phone and asked him to have XXXX give me a call. No one called. 
XX/XX/XXXX - Received a collection notice. Called and spoke with XXXX who transferred me to XXXX in Fraud who is  reviewing my bills.If anything is needed, XXXX is going to call or email me. Gave my email to XXXX who states she is going to talk to him in detail and try to get this cleared up. No response. 
XX/XX/XXXX - Received credit update by Identity guard who informed me that the XXXX Bill was still on my credit report ( XXXX Only ). 

The charges have gone from {$3500.00} to well over {$4800.00} even when they knew this was fraud and others on the line knew they had received all of the documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently disputing a debt with Convergent XXXX and have asked the following company to provide me with documentation attesting they have documentation I am asking for, I have sent two letters to the company the first one was accepted by this company. The second one was " refused '' I sent it via certified mail and they refused to accept the incoming mail. I am reporting this because they should be accepting the mail I sent them and should give me the information I am requesting from them or say they in fact don't have this documentation but communicate with me not just reject the mail I sent to 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 2021-04-04
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: DE
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 have sent several documentation to Equifax regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have tried to reach out to Santander Consumer many times regarding their willful negligence in violation with FDCPA AND FCRA and the loan they have failed to respond in compliance with the Fair Credit Reporting act and the FDCPA. 

The laws of the state of California and UCC 9.601- 9.607, 9.609 9.611-613,  9.615, 9.623, 9.627 ( b ) along with California Motor Vehicle Installment  Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. I must be permitted a certain time to cure and or redeem which is not available if the proper notices are not submitted. 

Satander Consumer USA never provided copies of the legal notices sent to me along with proof that the resale of the vehicle was completed in a commercially reasonable manner as required by law, in addition to a detailed and itemized calculation of the balance they claimed was due. 

Also, in accordance with the California Department of Revenue Repossession Title Requirements I NEVER received : 1. Copies of the written notice SANTANDER CONSUMER provided to all lienholders by first class mail of the intent to file for a repo title and 2. A copy of CALIFORNIA form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lien-holder. 
The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle and I did not receive this from Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife and I tried many times but Experian credit freeze website always return " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered ''. We also called Experian 's freeze phone number but there are dozens of documents we are asked to mail to Experian : Experian simply do not want to freeze people 's credit.

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 2023-05-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have wrote XXXX XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results

Company response to consumer: Closed with explanation