BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and every account within 15 days. If not all accounts should be deleted. The  bureau has not provided any type of proof of any account on my report besides the word verified.

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 2023-03-17
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX ( Convergent Outsourcing ) attempted to fraudulently collect a debt of {$250.00} that was illegally sold by the actual creditor ( XXXX XXXX ). Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.

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 2019-09-23
Company: EQUIFAX, INC.
State: IL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2019-09-23
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection amount of {$360.00} from Midwest Recovery Org. creditor XXXX XXXX not sure what this is for ... I am a current XXXX XXXX XXXX XXXX season pass holder for my daughter who is still at home. 
Had the pass since 2013 over the years and taken kids off as they moved to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had XXXX auto insurance and cancelled our policy due to the insurance company not sending proof of insurance to our car loan company. We weren't impressed so we cancelled. We don't owe anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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 DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT FILE. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT FILE AND BECAUSE OF THIS IT HAS CAUSED SERIOUS DAMAGE TO MY NAME AND MY CREDIT HISTORY. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2020, I wrote a letter about inaccurate accounts on my credit report. It has been two months and I still haven't received a response.

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 2021-06-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was asked by a landlord to send them my credit report via Experian Connect. I was not able to do so because there was a fraud alert on my account. Because of this, I was not able to send it. 

I reached out to Experian. It took me two hours to get ahold of a live person. That live person suggested " to not use a fraud alert ''. I talked to about 10 different people before someone who knew this service existed. I asked her " With only a fraud alert, and no security freeze, my report is accessible, correct? '' She confirmed. I asked why Experian Connect then did not allow me to use the service. She did not know. There was no contact number for Experian Connect - only an email ( which Experian gave me the wrong email for ). 

I believe it is against the FCRA to deny me usage of that application because of a fraud alert. I had to lift my alert to use it - which I did not want to do. I have reached out to Experian Connect and expressed my displeasure, but have not heard back.

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 2017-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX/XXXX/XXXX To whom it may concern due to investigation by XXXX and XXXX they have determined that these Inquires from. 

XXXX ( X/X/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) X/XX/17 ) ( X/XX/17 ) are duplicate inquires and were removed from my credit file please find and investigate the company and dates attached and update my credit file to reflect and correct these findings. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On Thursday XX/XX/, 2019 I attempted to contact my private loan servicer ( FirstMark Services, a division of NelNet ; original Lender : XXXX XXXX  ) about the following issues : 1. Clarity on Why every time the loan switches hands the monthly payment is adjusted lower automatically. I had previously attempted to pay off the loan quicker by increasing my monthly payment amount but this auto-payment is regularly decreased by the loan servicer. It seems to me this is a tactic to just collect more interest over the life of the loan.

2. Requested to lower my interest rate. In the over 13 years since this Law Access Loan was issued, my credit score ( XXXX ) and financial profile has naturally improved dramatically. The interest rate is very high ( 6.2 % ) and I believe I should be able to negotiate with my original lender to lower my interest rate. I was told by the agent and then again by the " supervisor '' the only way to decrease my interest rate is to refinance with another lender. This loan has costed me over 65 % of the original loan value in interest alone and in any other financial sector a lender would allow you to refinance or renegotiate a better interest rate on the same loan/lender. Forcing me to refinance with another lender will affect my credit score due to the length of credit history ( newer account ) and the credit inquiry involved. Also my options are limited with other lenders because I am attempting to lower my interest rate on a small balance left on private loans whereas my balance on federal student loans is still quite large and many of the lenders I have approached are not approving me ( due to the other outstanding federal loans I have on IBR ). 

I have not been contacted by the supervisor 's supervisor as was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
On XX/XX/2017 I received a letter from PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. stating that my Driver 's License Number has two photo images of two different individuals on that record.I wish your office could find out when the fraud was formed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 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 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These account don't belong to me and I want them removed from my report please. 
Creditor : XXXX XXXX XX/XX/XXXX Amount : {$1100.00} Creditor : XXXX XXXX   XX/XX/XXXX Amount : {$230.00} Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$460.00} Creditor : XXXX XXXX Amount : {$230.00} Creditor : XXXX Amount : {$460.00} Creditor : XXXX Amount : {$490.00} Creditor : XXXX XXXX XXXX Amount : {$5000.00}

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 explanation
Consumer complaint received 2020-12-15
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover Bank, by and through its counsel, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, AZ XXXX, sued me for a credit card debt in which I did not owe under alleged account stated and breach of contract, and a judgment was issued against me for {$6600.00} ( XXXX Justice Court Case XXXX, filed XX/XX/XXXX ) on XX/XX/XXXX. I appealed the decision of the XXXX Justice Court to the appellate court ( Superior Court Case XXXX XXXX ). On XX/XX/XXXX, the appellate court ruled in my favor stating Discover Bank was not in standing to sue. The appellate judge found Discover Bank to be in violation of several state laws under Title 6 because it lacked the required state and/or national licensing and permits to legally engage in the business of banking in the state of Arizona. Wherefore, the judgment against me was reversed and vacated by the appellate court on XX/XX/XXXX. 
The appellate court stated that Discover Bank was in violation of A.R.S. 6-201, 6-217, 6-322 ( A ) because it is not licensed through the Arizona Department of Insurance and Financial Institutions ( or as a National Banking Association ) to legally engaged in the business of banking in the state of Arizona, which included, but not limited to, opening an account for, extending credit to, me as well as trying to collect on an alleged debt.

Inasmuch, it has since been verified that Discover Bank is in violation of A.R.S. 6-391, unauthorized conduct of banking business and false representation, by eng
aging in the business of banking in the state of Arizona by the use of the word " bank '' in its corporate name because it does not maintain a banking or branch office as defined A.R.S. 6-330, and pursuant to A.R.S. 6-391, it is unlawful for Discover Bank to engage in this state in the bank business as defined by A.R.S. XXXX. 
Therefore, I am filing an official complaint against Discover Bank AND its counsel, The XXXX XXXX XXXX XXXX, based on the following : 1. Slander, libel, defamation of character, and harassment ; 2. Violations of A.R.S. 6-201, 6-217, 6-322 ( A ), A.R.S. 6-330 and A.R.S. 6-391 ; 3. Participating in fraudulent schemes and artifices pursuant to A.R.S. 13-2310 ; 4. Illegal control of an enterprise and/or illegally conduction an enterprise pursuant to A.R.S. 13-2312.

5. Deliberate indifference because Discover Bank, by and through its counsel, The XXXX XXXX XXXX XXXX, displayed a conscious, reckless and blatant disregard of the consequences of it actions and omission by pursuing debt collection activities against me knowing full and will it was in violation of several Arizona law under Title 6 and Title 13 and causing harm and knowing its actions would cause harm against me would result.

6. I am not the only victim! How many people has Discover Bank illegally sued and fraudulent acquired judgments against consumers in violation of Arizona law!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: CT
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 found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize 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 non-monetary relief
Consumer complaint received 2019-09-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Supervisor, I wish to make a complaint regarding the case managment of XXXX XXXX. I would like to bring to the attention that Mr. XXXX failed to properly communicate with me and my representative. I received the following calls from Mr. XXXX   : 1. XX/XX/, 2019 at XXXX XXXX. He left voice mail. 
2. XX/XX/, 2019 at XXXX XXXX. We spoke briefly and I asked him to call back at noon. 
3. XXXX XXXX, 2019 at XXXX XXXX. He left voice mail. 
4. XX/XX/, 2019 at XXXX XXXX. I left voice message for a return call. His voice message indicated a return call within 24 hours. 
5. XX/XX/, 2019 at XXXX XXXX. I left another voice messsage for return call. 

Due to not returning my calls and the importance of my issues, I reached out to my representive from XXXX who began making calls to Mr. XXXX on my behalf. I am sure she made notes on the date and time. She left several messages. There was even a little joke on when Mr. XXXX was going to return her call. She said " watch, he is going to call her when he is about to walk out the door ''. Later that day, I forgot what day it was, be Mr. XXXX, sure enough, called at XXXX. According to his outgoing voice message, he gets off at XXXX. Having dealt with sneaky tactics by Chase for years, I could only shack my head. 

At the time, I needed to speak directly with him. Having worked in an environment where I need to stay on top of clients and files, I know that a supervisor needs to be notified when there is a failure to meet expectations. I expected a phone call to verbally answer questions. I did not get that. Nor did my representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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: Account status incorrect

Complaint:
I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX  # XXXX**** I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a XXXX credit card account in XX/XX/XXXX. I purchased a few items. The dresser didn't work properly after the handyman put it together. I called XXXX and was told the seller didn't want it back that I should donate it or dispose of it. I didn't get taken off my credit. I called XXXX XXXX every month ( from XX/XX/XXXX to XX/XX/XXXX ) or more trying to resolve this. I decided to file a complaint with the bank managing my account ( Comenity Bank ). They told me they would have to add the dispute amount to my balance. Now I have 2 amounts not being refunded. The bank would not put the credit back in my account because I didn't return the items to XXXX. I have been charged interest and service fees for these amounts I should have been refunded too. I have uploaded my statements for your reference. Please let me know if you have questions. 

My XXXX XXXX card # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive called equifax several times over a 5 month period to get my credit report unlocked because chase bank said it had a report freeze on it so Ive been unsuccessful dealing with equifax, every time i call i get a different answer on XXXX XXXX, 2017 is where I draw the line. First an equifax employee said i have no freeze or lock on my file but when I try to get the bank to pull it they say its still locked, Ive done that a few dozen times! Its a shame that they sell you a service to lock and unlock your credit report could turn out to be the worst decision

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question was a total of {$90.00} ; debt collection agent is trying to collect {$83.00} times 3 AND has tried to tell me i also owe my dead over 5 years husbands bills! I attempted to pay the {$90.00} dollars ( 3 copays for XXXX XXXX  that i thought workmens comp would cover ) over 2 years ago to both XXXX XXXX XXXX XXXX directly and to whatever agency had contacted me then for a total of XXXX dollars which included their fees. That agency told me there was NO debt owed and not to worry about it. 
Then i get dinged on XXXX  XXXX 3 times! I called the agency reporting the supposed debt-they were rude nasty and threatening and after they pulled tge XXXX about my late husband i hung up. THAT debts statue of limitations was up over 4 years ago. I want these 3 dings removed and my credit cleared up-your help is appreciated.

Company response to consumer: Closed with explanation