BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
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 information incorrect

Complaint:
And accordance with The Fair Credit act XXXX  account name and number has violated my right 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  15 USC 1681 section 602a I have the right to privacy 15 USC 6181 section 2 604a also States a consumer reporting agency cannot purchase 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 2022-10-21
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my account with XXXX and was told by the rep what my final bill was and paid it. A short time later I got a bill from XXXX for {$450.00} with no explanation as to the charges. I called XXXX and they could not access my account to tell me what the bill was for. As far as I'm concerned, the final bill the rep gave me when I closed the account was all I owed XXXX. The next thing I knew I was getting letters from a collection agency. 

The very first letter stated that if I responded by a certain date, they would not report the collection. A response was mailed weeks before that date and they have now placed that collection on my credit report. They never answered that letter. They sent a second letter with additional charges on it with no explanation of what those charges were for. I've repeatedly asked for details of what the XXXX charge was for and what their charges were for. I have yet to receive a response. Then Convergent offered to settle for 80 % of the increased amount ( that had no explanation ). The original bill was {$450.00}. 

I want this bill erased. XXXX had charged my card after the account was closed. I reported it to my bank who agreed the charge was not valid and returned the money to my account. I paid the final amount I was told was due at the time I closed my account. They aren't entitled to anything else. I also want this collection removed from my account and Convergent held responsible for failure to reply to XXXX requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter filled out a lease application for a college apartment. 
XXXX XXXX emailed asking us to fill out a XXXX application. We NEVER completed an application or even responded. XXXX XXXX from XXXX XXXX continued to send us emails. In her email, she stated that My daughter signed a contract but needed several forms in order to move forward with the unit placement. We knew that my daughter was unsure whether she would be living at this location, so we did NOT reply. We did not leave a down payment or deposit. We were sent several emails stating that the lease was incomplete and that they did not have an agreement or proof of income.Also stated, was that it needed to be notarized and completed by XXXX/XXXX/15. We were then notified by a collection agency, ( XXXX ) asking us to pay {$8900.00}. They stated that they had an esignature on the guarantor lease agreement. We asked them to provide us with a copy of this document and proof of esignature. They stated that they would send us this within the next XXXX to XXXX business days. NO DOCUMENTS WERE EVER SENT OR RECEIVED. The next thing I know, we see a collection on my credit report! We contacted XXXX, at the XXXX and she advised us to file a dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
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:
I am submitting this CFPB complaint to follow up the most recent CFPB complaint I submitted to the Credit Bureaus requesting the immediate removal of the disputed accounts and information completely from my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. I also sent a dispute letter to each of the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I received from the FTC. Once again, I am looking forward for the immediate removal of the following items completely from my Credit file : XXXX CARD XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove the items ' validity, immediate deletion of the disputed items is appreciated.

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 2022-10-21
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

State of MI XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy # XXXX, has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have attempted several times to get my credit report from transunion. I sent in proper id and still am unable to receive my report from them. This is affecting me in obtaining 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 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i disputed the tax lien with trans union a few times, and they came back verified, when i called to request a method of the verification, and i told the rep that this is not a good verification, so he called the county court clerk to verify the information, and the county court told trans union that they do n't furnish or verify any information and that means the investigation of the dispute is over and the results is unverified, therefore the information on my report is unverified information and needs to be removed from my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX social security # XXXX XXXX XXXX XX/XX/XXXX social security # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXXv XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}

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 2022-10-21
Company: EQUIFAX, INC.
State: KY
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:
Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR HAVE MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON..IVE NEVER WROTE TO ANY CREDIT REPORTING COMPANY GIVING THEM MY PERMISSION TO REPORT ANY INFORMATION. I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT .. AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of Identity theft. i provided police reports and theft affidatives to Transunion and they will not block the accounts that do n't belong to me. The reps are very rude and they 're not compassionate to my situation. This is very embarrassing and I have done everything in my power to correct this issue. The accounts on my credit report that are fraud and not mine is XXXX XXXX XXXX XXXX and XXXX XXXX which that is a internet scam. Transunion refuses to remove these items from my account even when I supplied them with everything they requested. They have hung up on me screamed at me and I am very devastated. If we ca n't resolve this my next step is to sue.

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 2022-10-21
Company: EQUIFAX, INC.
State: LA
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 made several attempts to have all the errors and inaccuracies reporting on my consumer report corrected with Equifax, but Equifax refuses to respect my privacy or abide my the federal laws in place my congress. There are still billing errors, incorrect addresses, phone numbers, names, collection accounts, and more STILL BEING REPORTED on my consumer report. Equifax has been willfully negligent in remedying my affairs and has continued to violate me and discriminate against me. My disputes with Equifax have not been investigated properly or validated. Also has violated my right to privacy 15 U.S.C 6801. This is last and final attempt to have this issue resolved. If Equifax does not honor my demand civil suit will follow. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: BB&T CORPORATION
State: NC
Product: Credit card
Issue: Other

Complaint:
i paid XXXX companies on my bb t card that took my money and rendered no service.i called my bb t card to help me with this and was told i waited to long to dispute these XXXX charges.i explained what had happened that i had not received any goods or services ever.even with these circumstances i was out of luck.i expected more from bb and t.it was XXXX different charges of XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX and transunion XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

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 2022-10-21
Company: Experian Information Solutions Inc.
State: PA
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:
XXXXXXXX XXXX XXXX Account # XXXX This account is closed but it is still showing a XXXX, XXXX and XXXX on my Experian and XXXX reports. 

XXXX XXXX XXXXXXXX Account # XXXX This account is closed but is still showing a 30 day late on my Experian, XXXX and XXXX reports. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have take a loan with Lendmark Financial Services, LLC. In XXXX. This company has charged me excessive amounts and fees for interest. They have reported erroneous marks against my credit report repeatedly. They have bad business practices to make the account delinquent by not accepting my payment monthly. They have made harassing telephone calls to me and my employer. The company has three telephone numbers on file for me and one telephone number for my husband. My husband is on the loan but they have never called him not one time. I have visited the company business numerous of time in XXXX the office door was locked. I have downloaded the lendmark app to my cellphone the company has blocked me and the account to access to make payments. They are refusing to accept payments in bad faith to gain additional money from me. The company filed a lawsuit against me in XXXX but they refused to appear in court. The case was fraudulent because they charged my bank card two payments when I was only to make one payment each money as the account was not delinquent. The company has failed to provide account billing statements as I have requested several times by telephone. The company has contacted my employer XXXX about the account. The branch manager XXXX XXXX has repeatedly discussed to me about how the company will continue to destroy my credit and report me as late paying when they refused to accept my payment. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Want to check report and I tried to answer security questions but I 've never had a home loan been needing loan and now I owe money for a home loan credit cards I 've never opened. Please help I start college in a month and need a loan laptop but now I guess I want ever get to accomplish my dreams as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit report and it says that I have loans out in my name but I do n't have any loans that I am aware of. I believe that I am a victim of identity theft. Furthermore, the report says I have car loans out in my name and school loans as well.

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 2022-10-21
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information that is on my consumer report that is a result of Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error nor is my request to block being made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. 

Fedloan Account # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thanks You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of TransUnion dropping my credit score while my student loans are in forbearance. Without addressing to me why they dropped my credit score. On a student loan you can have decrease in the amount owed but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't have a limit amount. Because I was not given a limit on the student loan it is what I borrowed. I would like to provide you the information that my loans are in forbearance.

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