BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im just now in XXXX aware, of an old debt from XXXX that was a Company loan from XXXX XXXX. 18 Years XXXX XXXX already collected as much as possible & added me to collection years ago for this loan. XXXX XXXX had the audacity to sell this account to a creditor that I had no clue existed, by the name of Cavalry SPV I , LLC. This collection company then lined my home in XXXX! I never knew about this. I was never served! This company lies saying they mailed me information for years also not true! I have never signed any certified letters from any of these companies. They have the nerve to say they served my son. He was in the XXXX in XXXX at that time! So that is also not true! How could he? Also I NEVER discussed with creditor company a settlement! LIE after LIE. This account is 18 years ago! This account was closed over 15/18 years ago. Its a dead account! XXXX XXXX says I don't owe anything anymore so why would they sell an old account. 
This is unethically! 
! CA STATE LAWS protect me the consumer through TIME-BARRED! 
Statute of Limitation on Debt! I never accepted owing the collection company 's NOTHING! & NEVER accepted settlements! 
I never made payments! I feel this is fraudulent Breaking CA LAWs! 
Creditors Can't prevail in court after 4 years, little the less after 18years! 
I WANT & GIVE PERMISSION FOR CFPB to PUBLISH ALL this experience & feedback!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Allied Servicing Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Loan servicing company did not contact me, send mail or correspondence about second mortgage for about 10 years or more. 
Now they want to foreclose on my house. 
By law, the loan servicing MUST have contact with me via phone calls, letters or other medium.. 
This is a loan for {$50.00} XXXX dollars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX Balance XXXX {$0.00}

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 2022-06-09
Company: Experian Information Solutions 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: 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 instruction
s

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 2022-06-09
Company: Experian Information Solutions Inc.
State: MS
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 accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2021-09-01
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:
XXXX, Equifax, and XXXX  are reporting an account that is deficient of Physically verified validation. The account is XXXX XXXX XXXX. This is an inaccurate account and needs to be removed from my consumer report. Under the FCRA the credit agencies are supposed to report accurate information. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since XX/XX/2020 this fraudulent charge has been on my credit report. It is from XXXX, now with Convergent Outsourcing. I have never had XXXX as a carrier. Someone opened this account fraudulently. There has never been a payment made. I have made several attempts, 6 attempts total, to dispute this. 5 attempts, via credit reporting dispute resolution and 1 by letter. I have had to lock my credit. 

They keep ignoring my attempts to clear this from my credit. I do not feel comfortable calling them. I have sent them a detailed letter with my info asking them to get this off my credit. No response to any of my attempts. 

Total amount due is {$500.00}

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 2022-09-29
Company: U.S. BANCORP
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: Old information reappears or never goes away

Complaint:
I have not had anything to do with Elon Financial for over 20 years. They have changed the dates on this old debt over and over and just keep reporting it as negative to the credit bureau 's as if it's a current dept. I have disputed this debt many times but Elon changes the date of the date of the debt and reports it again. The credit bureau 's just believe them and leave the negative info on my reports. This debt has been settled, written off many, many years ago. It's like they are doing this out of some sort of revenge. I can't believe this is legal.

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 2022-12-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo Bank XXXX XXXX XXXX XXXX has allowed my solely owned checking account to be as my bank statement important disclosure from XX/XX/XXXX, sated " effective XXXX XXXX, the following information will be incorporated into the " Depositing Funds '' ( i.e. meaning my solely owned checking account which had debit card, online acess to be used on a joint checking account with my mother ). I do want to state for the record that my mother was appointed my XXXX XXXX XXXX XXXX on or about XXXX XXXX or XX/XX/XXXX. However, on XXXX XXXX, it was read into court records that dissolution and termination of full guardianship were granted and removal of XXXX. within this court signed order in petition that my lawyer filed incorporated into my motion for dissolution due to " wrongfullXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This making the past XXXX impossible for me to verify my identity which is still as of today, XXXX XXXX, is an ongoing problem with Wells Fargo XXXX and my former XXXX XXXX  I by all rights should be allowed to be present in and have access to any joint checking account which has my name and social security number and my birth date included in the account and even though XXXX officially reinstated my XXXX payments last week and I gave them the checking account number for deposit and payments to be issued directly into my account XXXX from XX/XX/XXXX, I have not received any bank notices for this nor any amount of money that's as per my email address account and per my mom 's XXXX XXXX " I verified your cash deposit for your cash account yesterday " and I can't find out what actually happened to {$18000.00}, but I have not been able to be granted access to that information yet. I last week had my debit card stopped and a new one was issued in which I was notified of my debit card being shipped out to me and I am not in possession of it but I have not had any success between Wells Fargo nor my mom regarding any issues of this situation except that within the past 5 days, I have had to get police report for bank ID theft and student loan fraud, which my dispersement was supposed to go to the checking account which is being sent to the " depositing funds account

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
CFPB + TransUnion, According to my XX/XX/28 credit report there are inaccurate items I would like corrected- attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - my credit 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 non-monetary relief
Consumer complaint received 2022-09-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; XXXX XXXX ( Original Creditor : XXXX ) XXXX**** ; XXXX/DEPTOFED XXXX**** ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?

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 2022-09-29
Company: Maximus Education, LLC dba Aidvantage
State: MI
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 STUDENT LOANS ON MY CREDIT REPORT THAT HAVE BEEN IN A XXXX PAYMENT STATUS FOR OVER 10 YEARS. I HAVE NEVER BEEN LATE BECAUSE I HAVE NEVER HAD A PAYMENT DUE. THE ACCOUNT WAS SOLD TO AIDVANTAGE AND THEY REPORTED 24 LATES TO MY CREDIT OVER 8 STUDENT LOANS. THEY ARE ALSO NOT REPORTING MY 7 YEARS OF GOOD PAYMENT HISTORY TO THE CREDIT BUREAUS THEY ARE REPORTING LESS THAN HALF OF MY ON TIME PAYMENTS FOR THE 7 REQUIRED YEARS OF REPORTING. THESE 2 THINGS ARE HURTING MY CREDIT SCORE AND CAUSING ME TO PAY HIGHER INTEREST RATES ON CREDIT CARDS AND LOANS AND ALSO DISQUALIFYING ME FOR LOANS THAT I SHOULD BE QUALIFIED FOR. I SPOKE TO AN AGENT AND SHE AGREED THAT THEY ARE REPORTING INCOMPLETE INFORMATION BECAUSE THEY DID NOT RECIEVE IT FROM THE DEPARTMENT OF EDUCATION. SHE ALSO AGREED THAT SHE DID NOT SEE ANY LATE PAYMENT HISTORY NOR DID SHE SEE ANY PAYMENTS THAT I HAVE MADE ( BECAUSE I HAVE NEVER MADE ANY ). AID ADVANTAGE REPORTED TO MY CREDIT REPORT THAT I WAS LATE 2 TIMES THEN MADE A PAYMENT THEN WAS LATE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I sent XXXX XXXX to Discover Secured credit card to establish credit. They Never opened me an account and claimed they could not verify my information and took my XXXX for 3 months before giving it back in the form of a check. They are reporting a closed account that they never opened. I have challenged this on my credit report as it is impacting my report negatively.This was done to my husband as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXBalance : {$2300.00} XXXX  XXXX  XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$550.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$800.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}

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 2022-09-29
Company: UNITED COMMUNITY BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
received a call from the phone number of my bank, United Community Bank, Treasury XXXX XXXX ; XXXX. Person identified himself as calling from UCB concerning possible fradulant charges on my debit card. asked me about purchases at a XXXX and XXXX  Read a security statement and advised that the call was being monitored for security purposes. First wanted to know what my online banking ID number was. 
I have been scamed out of {$4000.00}. on my XXXX card ( they removed all charges of this and changed my credit card number ) and an attempt to fraud from XXXX XXXX and from XXXX. Both of these were avoided. So I am very aware of scams. 

I gave him an incorrect ID number and he advised that was not correct and I gave him another one that was not correct. while I was doing this I went online and changed my ID and password as I was speaking to him. I advised him that he was trying to scam me and he was a theft. The first call was on XX/XX/2022 at XXXX XXXX XXXX, and on XX/XX/2022 at XXXX XXXX XXXX 

When I called back the number of XXXX, it did direct me to the actual office of UBC Treasury XXXX XXXX XXXX. 

I did call into the online banking service office and the UBC Treasury XXXX XXXX office and advised both of these what had happened. They checked my account and confirmed that my account had not been breached. 

Apparently there is nothing that can be done with people spoofing their phone number and they did advise me that they would not call on the phone about charges. They would first contact me about contacting them about suspecious charges either by text or email. United Community Bank was very helpful. 

What can be done about spoofing your banks phone number?

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 2022-08-02
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00}

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 2021-02-19
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: Account information incorrect

Complaint:
The credit bureaus are reporting erroneous information that is ruining my credit, I demand that they remove all badly reported negative accounts on my credit, and I need them to send me proof of the investigations in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Exeter Finance Corp.
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: Reporting company used your report improperly

Complaint:
in accordance with fair credit reporting act EXETER FINANCE LLC Account number : XXXX has violated my rights. 

15 USC 1681 SECTION 602 STATE I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 USC 1681 SECTION 602 AI STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.

Company response to consumer: Closed with explanation