BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cancelled my services because of a high bills. I spoke to manager who gave me the balance due which I paid. They ported my number out to the new code, after 5 months received a notice From a collection agency that I owed {$690.00}. I contact XXXX and no one could give me the reason why the amount was owed until I had the account escalated and spoke w account finance which explained the manager gave me the incorrect balance to pay. Advised me would waived all charges if I paid {$450.00} and removed all information from the credit bureaus. All Charges where suppose to be removed due to misunderstanding of charges by their manager. Collection agency has place 4 hard inquires in my credit file and I would like all of them removed wirh a letter of removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
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:
I have reached out to Experian several times trying to dispute a fraudulent account I have supplied a FTC report and a police report and the credit bureau still refuses this account that was a result of fraud. I have not been supplied any verification documents or any information in regards to why the account was not removed. The police report and FTC report clearly states I never opened this account and it is not mine and needs to be removed. 

XXXX XXXX- {$1500.00} Date Opened XX/XX/2019 2019

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 2015-05-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX Bank account # XXXX payment history is inaccurately reported. Certain early late payments are omitted in order to re-age the account and report to the credit bureau past the 7 year statute of limitation in the Fair Credit Reporting Act. 

XXXX XXXX reported to Experian that the account was opened XXXX XXXX with a {$500.00} credit limit. 
Between XXXX XXXX and XXXX of XXXX this account was reported as never late. 
On XXXX XXXX was XXXX time it was 30 days late. 
The highest principal balance that the account ever reached was {$380.00}. 
XXXX XXXX added LATE fees at {$39.00} and OVERLIMIT fees {$29.00} each month along with 30 % INTEREST. Amount owed rose to over $ 1,300.00Eventually XXXX XXXX filed suit in XXXX Court and agreed to settle the debt in full for {$850.00} ( see enclosed attorney receipt. 
This settlement was completed before the court hearing date. No judgment was entered. 
XXXX XXXX settled for {$850.00} because they could not provide a validation of the debt. 
DisputeXXXX XXXX refused to provide statements on the account from XXXX XXXX to present. 
On the statements I did find that the date of XXXX delinquency was XXXX XXXX, XXXX. 
XXXX XXXX charged late fees : ( see statements attached ) -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$39.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ 39.00But NONE of these dates were reported to Experian. 
XXXX XXXX reported never late. 
By deleting the early late payments, XXXX XXXX could continue to report to credit bureau past the 7 year statute of limitations from XXXX delinquency date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I HAVE AN TAX LIEN THAT HAS BEEN PUT ON MY CREDIT ( XXXX/ EXPERAIN ) THATS NOT MINE ITS THE WRONG SPELLING OF NAME WRONG SS # ... ..ALSO A BANKRUPTCY THAT WAS DISMISSED IN 2008

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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I started my investigation on XX/XX/XXXX- I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed datedXX/XX/XXXX and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-05-06
Company: EQUIFAX, INC.
State: IN
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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 2015-05-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Someone is using my name in Florida to work as well as open an account that he also sent sent to collection for check system

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX at address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-06
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The information reported to Experian for an acct with XXXX contains incorrect or re-aged information. The last payment date should be XX/XX/2008, XXXX days XX/XX/2008, was charged off XX/XX/2009. The charge off date shows as of XXXX and shows a comment of a deferred/interest only payment. I have never made a payment arrangement with this company. I am not disputing the debt, only the dates & the comment and asked they be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the reporting agency ( Equifax ) a fax containing my FTC reports on XXXX. I called the reporting agency on XXXX to confirm that theyve received my faxed documents which contained all three ( 3 ) of my FTC reports. During my call with the reporting agency, I spoke to XXXX ( supervisor in the fraud department ) and he provided his employee ID # : XXXX. XXXX confirmed that my faxed documents containing all three ( 3 ) of my FTC reports were received on XXXX. XXXX also informed me that the reporting agency deemed my FTC reports invalid. I asked why were my FTC reports deemed invalid. His response was, because there are more than XXXX ( XXXX ) accounts being reporting on my FTC report. I then, notified XXXX that those findings are incorrect, because all three ( 3 ) of my FTC reports have XXXX accounts or fewer on each of them as I described below : FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX  XXXX XXXX accounts, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX SERVICES accounts. 
FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX FUNDING accounts, and XXXX ( XXXX XXXX XXXX XXXX  accounts. 
and finally, FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX account, XXXX ( XXXX ) XXXX XXXX account, XXXX ( XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX account. 

XXXX ignored what I was telling him and chose not to investigate the problem any further. I do not agree with the reporting agency decision/ findings as it is deemed inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 didnt authorize the inquiry from Bank of America . They pulled my report an I was never there or authorize a inquiry. My brother was at bank trying to open business account. Never did they ask him about running my 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 2022-05-14
Company: DISCOVER BANK
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Paid balance in full according to company I paid afrer being theatened to be sued. Shows on credit report as settled for less than amount owed. They will not correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid, however the collection agency reported otherwise. Collection agency is Caine and Weiner. {$12000.00} was paid to XXXX XXXX XXXX in XXXX Az, the creditor, on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently pulled a free credit report from freecreditscore.com. It outlined some erroneous information was previously deleted from my consumer report. It is the same game that that these credit bureaus continue to play. It is fraud and some one needs to actually stop them dead in there tracks! It has a very negative effect on my score and personal life and future endeavors. They continue to sell the derivatives over and over, which effects the sovereignty of the people of this nation and have no honor or accountability in dong so!

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 2021-06-01
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a loan for {$1500.00}. Account number XXXX. Now four months later and after making three payments of {$510.00} the loan balance is {$4600.00}. I am unable to obtain a payoff amount. 

This is not what I agreed to. 

This is usury! It is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One does not follow payment instructions written on my checks ' memo line. My payment for XXXX XXXX was received on XX/XX/22, the last day of the XXXX payment cycle. Instead of following the instructions written on the check & billing statement that this pymt was for XXXX, they applied it to XXXX. This resulted in me being charged a past due fee in XXXX. The company refused to credit my acct for the late charge on my payment, which was actually an early payment. At this point I don't even care about the {$40.00} penalty. This is now about principle, they can't charge a late fee for their error on an early payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges were made via my bank account as payments. The entire history of this card I have paid it in full and on time. They closed my account without any communication and refuse to remove fraudulent charges from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX at address ( XXXX XXXX XXXX XXXX, IN XXXX ) has been sending me collection notices in the amount of ( {$420.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX, and XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX - XXXX XXXX XXXX late payment {$0.00} Balance updated XX/XX/2021 This credit account does not belong to me

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 2021-05-30
Company: ACIMA CREDIT, LLC
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 was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: EQUIFAX, 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:
I called Equifax and reported multiple inquiries I have not authorized. I advised Equifax that Ive already contacted every creditor that pulled my credit report without my permission and they instructed me to call them on every call. Equifax told me to file a complaint with consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the national credit adjuster and the offered me a settlement of XXXX and it had to be paid by XX/XX/XXXX. I made to separate payments XXXX and XX/XX/XXXX and when I tried to dispute it they are saying i still owe XXXX dollars and when I tried to get on there website to see what the reason is for the balance it is saying it is locked for security reasons but it was open when I made the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with Penny Mac mortgage and it had PMI. We started the process ( XX/XX/2017 ) to remove the PMI and they had to order an appraisal. When that process starts they tell you they can charge 400-1000 for an appraisal. Appraisal price very from conve., fha or VA, square footage, rural or anything extra they have to do. That's why they have to give you a price range. They charge me {$820.00} for a simple conventional loan in the city. Nothing extra which they should of only charge XXXX max. If you call anywhere or ask anyone that's the price range for a conventional loan, normal sqft in the city. I don't leave in the country or rural area. They are charging twice as much for reg conventional appraisal. If they don't let you get your own appraisal they should contract someone that is in your area so they don't charge {$400.00} extra that what I'm assuming happened but not sure why they are reaping me off. I try to ask question of how much is the appraisal charging me but since the mortgage co. Contract them they can't answer any questions. Penny Mac should have the consumers best interest to have appraisal companies that do not reap borrowers off and that are in the area. As a consumer they should have the best interest for us the consumer and not to fill there pockets. I have tried to work it out several times but they will not cooperate. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian refuses to delete a fraudulent account that has been reported to the alleged creditor as fraudulent, and which the alleged creditor has agreed is fraudulent and removed from its records. The creditor is XXXX XXXX and the Account Number is XXXX .... Experian refuses to remove it even though I have given Experian the fraud file number generated by 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