BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: GA
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:
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am submitting this complaint without the influence of any third party. Convergent Outsourcing has continuously ignored my complaints regarding an alleged debt that is currently being reported on my consumer report. I have been challenging this account for the last several months and nothing has been done. This account is erroneous and not accurate which is a violation of federal law which supersedes all organizational policies. It is to my knowledge and is even reported on the CFPB 's website that credit reporting is NOT mandatory. 15 USC 1681B ( 2 ) Permissible purposes of the consumer report state that a consumer report should be " In accordance with the written instructions of the consumer to whom it relates. '' As the consumer, I have advised CONVERGENT OUTSOURCING that this account is not mine and I also advised to discontinue communicating with me through all mediums. A credit report is a form of communication. 15 USC 1681a ( 2B ) states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is EXCLUDED from the consumer report. Therefore, even if this debt was indeed mine federal law excludes extensions of credit that originated from the issuer of a credit card. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. CONGRESS states ANY card. The credit card would be my social security card. I am demanding to have this account removed immediately.

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 2017-11-17
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:
Credit dispute was filed with Experian XX/XX/XXXX involving reporting by XXXX XXXX. Debt was paid in full XX/XX/XXXX receipts and proof of payment, plus court documents were furnished to Experian on date of dispute filing. On dispute outcome creditor still reported debt unpaid as of XX/XX/XXXX even though supporting documentation was provided to both credit agency ( Experian ) and creditor ( XXXX XXXX ). Inaccurate information allowed to remain even with supporting documentation.

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 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.

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 2022-01-15
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 a bunch of hard hits on my credit that I have no clue How they got there or gave 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 2018-01-08
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened a Secured XXXX card that I loaded {$500.00} on in XXXX 2015. I was trying to boost my credit score so I used it and always paid on time. My score went up a little but not much so I closed it last month and got my money back. But now, since I closed the account, my credit score dropped 29 points! This is just wrong! For closing an account I get penalized! The whole credit reporting system is designed to keep us down. This is an attack on hard working citizens and this is not fair no matter how you look at it.

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 2017-07-29
Company: Experian Information Solutions Inc.
State: GA
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:
On X/XX/2017, I mailed a dispute letter to Experian asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal. I do not and I have never had a contract with this company. I am not liable for this collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: TX
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:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

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 2022-01-15
Company: Early Warning Services, LLC
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: Public record information inaccurate

Complaint:
Formal Complain On Third Party Credit Reporting Blacklisting Services, ( Early Warning Systems ) and ( XXXX XXXX ) are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of XXXX scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These Blacklisting Services and trying to dispute or clear these types of blacklisting from an individuals account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A Blacklisting Services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Universal Recovery Corporation
State: CA
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:
On XX/XX/XXXX, I found XXXX false derogatory reports on my XXXX Credit Report. They were put on there on XX/XX/XXXX. for XXXX different reports of XXXX, XXXX and XXXX for monies owed to XXXX XXXX on XX/XX/XXXX, under a different last name then my legal name. 
I disputed the report w/ XXXX right away online and then called the reporting company-Universal Recovery  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Ph # ( XXXX ) XXXX. 
I spoke to XXXX XXXX. XXXX XXXX could not find the account under my legal name or under my XXXX membership #. 
I explained to XXXX XXXX-that this was not my debt and she somehow finally found the account. I explained that I never had a XXXX XXXX checking account and I never have been to XXXX XXXX. Also, she stated it was with a joint account and I have never met or known of the other person whom she gave the name of. 

My concerns with this is : 1. This company reported this debt on my XXXX credit report under a different name. I have had my present legal name since XXXX. Prior to that I had the name that this account is under ( which is a common name ). XXXX XXXX was very aware of that and made the statement. " So you never used this name before? '' The only way she would have known that was by an internet search or obtaining my credit report. 
2. She made me feel, I was not being truthful and it was my debt. 
3. XXXX XXXX informed me that she had the last XXXX digits of my SS # and my birthdate. 
If this other person went in to XXXX XXXX and wrote 3 bad checks-they would not have given that information-I feel again this was found by this company with an internet search. 
4. This company found w/ an internet search and/or my credit report-a few vague similarities with myself and the actual person who wrote these checks and put this on my credit report. 
5. I have worked hard and diligently to have a good credit rating and it dropped it 100 points w/ XXXX . 

I sent an Affidavit of Forgery per XXXX XXXXXXXX 's direction via email to their company. My feeling is that the person who wrote those bad checks actually had that name and this company in their desperate need to get money put this on my account erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing has placed a derogatory mark on my credit report stating that I owe {$430.00} to XXXX XXXX. The account in question was closed and settled over 10 years ago. The company placed the negative item on my credit report on XXXX XXXX, 2016.
I have disputed the item on my credit report 2 times with the company and it is still being reported.
At this point, I am willing to spend more than the {$430.00} they are reporting, which is in fact over 10 years old, to bring suit in order to hold them accountable for their 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 2017-07-28
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear on your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.. Case number XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-26
Company: FORD MOTOR CREDIT CO.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : FRD MOTOR CR XXXX Date Opened : XX/XX/2021 Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX  FRAUDULENTLY COLLECTED MY INFORMATION WITHOUT MY CONSENT AND IS FORCEFULLY TRYING TO MAKE ME PAY THEM A DEBT THAT I DO NOT OWE TO THEM FOR AN ESTIMATION OF ABOUT 2 YEARS. I SENT OUT A DISPUTE LETTER IN ACCORDANCE WITH REFERENCE, REGULATIONS OF THE FCRA, CFPB, FTC AND HIPPA LAWS AND CONSUMER RIGHTS ; AND NEVER GOT A RESPONSE BACK FROM THEM. I NEVER GAVE THIS XXXX  AUTHORIZATION NOR CONSENT TO MY PERSONAL INFORMATION. NOR DID I SIGN ANY CONTRACT WITH THIS SAID XXXX  TO PAY ANY DEBT TO THEM. ALSO, IT APPEARS TO BE HIDDING BEHIND THE SHADOWS OF NAVY FEDERAL CREDIT UNION. THEY ARE NOT REPORTING ON MY CREDIT REPORT BUT INSTEAD REPORTS DISCRETELY TO XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, XXXX ( RECENTLY MERGED ) AND SENDS OUT LETTERS TO ME WHICH IS MISREPSENTATING AND IMPERSONATING AS AN ATTORNEY FOR NFCU FRAUDULENTLY TRYING TO DOUBLE DIP ON A DEBT NOT OWED TO THEM. NAVY FEDERAL WROTE THIS OFF DUE TO HARDSHIP AT THE TIME MY MOTHER WAS XXXX AND I WAS GOING THROUGH A BAD DIVORCED AND LOST EVERYTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: MO
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 called the Experian and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$26000.00}

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 non-monetary relief
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Sent all the proper docs to XXXX and transurion and they still have not remove the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have call multiple times for the past two months to get this handle

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