BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: Convergent Resources, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
CONVERGENT OUTSOURCI Reported : XX/XX/2019 {$140.00} There is no contract, no valid claims ... account was settled with original creditor ( XXXX ) and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 debt was sold from XXXX XXXX XXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an XXXX account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX, XXXX ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! 

The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!

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 2021-01-30
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My XXXX XXXX is paid off by the Insurance ( {$11000.00} ), company to Santander Consumer USA, plus I paid over {$12000.00}, now Santander Consumer is asking for {$10000.00} in late charges. It has ruined my credit score. I need Santander Consumer USA to make my credit score right and loan paid off in writing with Title. The car cost {$18000.00}. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I notified Transunion of some inaccurate accounts on my credit report. On XX/XX/XXXX an automated response was generated from Transunion denying my request to block the false information because they determined that my request was either a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) I have obtained possession of goods, services or money as a result of the transaction issue. 

However, when I spoke to a representative of Transunion on XX/XX/XXXX they informed me that one of the accounts in question had been deleted from my credit profile. I in no way look at resolving issues of Identity Theft on my credit report as being " Irrelevant or Frivolous ''. Also, since there was in fact accounts on my credit report that was inaccurate, according to the FCRA Transunion was obligated to thoroughly investigate those accounts. 

Also, as of today XX/XX/XXXX I have not received verification from Transunion about the outcome of my request. According to FCRA credit reporting agencies only have 30 days to notify consumers in writing of the findings of their investigations. 

The inaccurate information on my credit report has prevented my family and I from being approved for a new home. It also has prevented me a small business owner from being approved for a small business loan from the XXXX for pandemic assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: CITIBANK, N.A.
State: GA
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:
A company identified as : CBNA made hard pulls of my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization. After some research it seemed this is Citibank?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland mortgage miss manage my payments from XX/XX/XXXX though XX/XX/XXXX and SAYING MY HOUSE IS VACANT, now they are threatening to foreclose on my home, If I do n't send them XXXX by XX/XX/XXXX. I do n't owe them payments I mail those payment out to midland mortgage, THEY received the checks, and the checks cleared. I even fax them the copies of the checks. They are stressing me out and I get the run arounds when I call. ALSO no one could tell me were the money is. SINCE those checks cleared. RETURN THE MONEY. I think something FRAUDULENT is going on with Midland Mortgage and they should compensate ME IN THIS MATTER. ALSO ANOTHER MATTER YOU SHOULD LOOK INTO XXXX XXXX reason why, I had a claim on my house back in XX/XX/XXXX they found asbestos, THE CLAIMS adjuster recommend that I go with a company THAT DOES THAT TYPE OF WORK FOR THEM ALL THE TIME IN THESE CASES. THE NAME OF THE COMPANY IS XXXX XXXX XXXX. THEY LEFT MY HOUSE A MESS, DUST AND PARTICLES EVERYWHERE, THEY LEFT PIECES OF XXXX TILE ON THE FLOOR AND IN THE AIR DUCTS THEY DID NOT CLEAN THE FLOOR ADHESIVE CALLED XXXX XXXX INSTEAD THEY COVER IT UP WITH SOME KIND OF PAINT EXPOSE ME AND MY FAMILY AND MY FURNITURE TO XXXX WHEN THEY SAID THEY WERE FINISHED, SO WE CONTACT THE STATE TO INSPECT OUR HOME, THE FINDINGS WERE CONCLUSIVE, POSITIVE, XXXX IN THE HOUSE.WE HAD TO GET ANOTHER CLEANING CREW. WE BLAME XXXX XXXX. COMPANY FOR RECOMMEND US A CONTRACTOR THAT WAS UNSUITABLE TO DO THIS PARTICULAR TYPE OF JOB, EXPOSING US TO XXXX. THE CONTRACTOR RECEIVED TWO VIOLATIONS. SO WHY DID XXXX CLAIM ADJUSTOR AND XXXX XXXX XXXX CONTACTED MY MORTGAGE COMPANY TO RECEIVED A PAYMENT FOR A JOB THAT WAS N'T COMPLETE, BOTCHED UP, AND INCOMPETENTLY DONE, AND IN DANGER ME MY SON, MY FIANCE AND HIS SON WHICH PUT OUR LIFE IN DANGER BY INHALING PARTICLES OF XXXX IN OUR XXXX ALSO I RECEIVED A LETTER FROM MIDLAND MORTGAGE SAYING THAT XXXX ISSUED A CHECK IN MY NAME IN THE AMOUNT OF XXXX AND THAT MIDLAND WAS NOT TO BE INCLUDED AS A PAYEE WHICH I HAD NO KNOWLEDGE OF THIS CHECK I AM VERY CONCERN THAT THIS IS FRAUDULENT AND THAT I AM BEING SCAMED.CAN YOU PLEASE DIRECT ME TO THE RIGHT ATTORNEY, I NEED HELP

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 2018-05-31
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 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 submitted online disputes, I have called by phone and disputed as well as mailed in several disputes advising the credit bureau that there are several accounts on my profile that are in reference to identity theft. 

XXXX XXXX XXXX Credit Card is listed on my profile as being opened in XX/XX/XXXX I had a fraud alert placed on my file in XX/XX/XXXX I asked them to provide proof where they investigated this account and provide proof that the creditor spoke with me to open this account and they have not done so but they are reporting this inaccurate and fraudulent account. 

I have a bankruptcy that is showing on my profile as being filed XX/XX/XXXX and being dismissed on XX/XX/XXXX there is no additional information listed on this account being showed. I spoke with the credit bureau and notified them by online, phone and mail and asked them to directly investigate and they did not they advised me that they had a 3rd party do so. They refused to advise me of the 3rd party used and who the 3rd party verified through. I have spoken with the courts clerk and was advised that know one has contacted them to directly investigate this matter. The credit bureau has blatantly fabricated to me about the direct investigation that they say have been completed.

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 2022-07-20
Company: Sequium Asset Solutions, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message from Sequium on Thursday XX/XX/XXXX at XXXX to contact them and that Sequium is a debt collector and then provided me with a reference number. After inputting the reference number I have a collections from XXXX in the amount of {$870.00}. 

On Wednesday XX/XX/XXXX I called XXXX to ask for solutions and prevent my account from going into collections. Only to find out I have been charged for a service I haven't used in over 2 years! There's XXXX accounts I have for the XXXX security system. XXXX XXXX which is the loan for the products and XXXX for the services ( apps ). I was being charged for the app services which I have called in to pause the account because my system isn't set up and not in use since I moved in XXXX of XXXX. 

I was being charged for a service that is not in use, nor was I notified or contacted in any way about the status of my account on when my services started again, when they started charging me, no billing statement was sent via email, and then I wasn't notified of my account with an owed balance. The only time I was notified of my XXXX service account was when Sequium texted me trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am in the process of getting a HELOC from HSBC and am getting ignored by the bank for the past 3 weeks after they had sent me a letter of conditional approval. The customer service provided is by far abysmal. 
XX/XX/XXXX - I received an email from XXXX ( mortgage processor ) on the conditional approval and a note that she will reach out within 5 business days for next steps. " I will contact you within 5 business days to address any questions you may have and review outstanding documentation. 
XXXX - 5 business days have passed and NO ONE from HSBC reached out. I sent a note to XXXX and CC'ed XXXX ( mortgage consultant ) as a follow up. And to my surprise XXXX is out of the office and XXXX XXXX ( mortgage processor ) would be the back up contact. 
XXXX - XXXX XXXX for help on the next steps. No response. XXXX only provided an email and no phone number. So was only able to email and cant even call. 
XXXX - Reach out to XXXX again for support. No response. Even called him multiple times. No one answers the phone with the answering machine saying to email. 
XX/XX/XXXX - Tried calling XXXX again to no response. Why bother having a phone number when no one answers? 
XX/XX/XXXX - Called customer service and they advised would reach out to the Manager to check on status. 
XX/XX/XXXX - NO RESPONSE FROM manager either and its been 6 days. Seems like a pattern here of just ignoring customers. Reached out again to customer service for update and was told someone was looking into it. 
XX/XX/XXXX - Called customer service again as this is just getting ridiculous. Finally got someone on the phone who seemed to actually care and will follow up with the Manager again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
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:
Equifax is reporting an account from XXXX XXXX XXXX that is in my father-in-laws name on both my wives and my credit report. This has been going on for over the course of 5 1/2 years that we have known about. We have sent multiple request to them through the course of this time along with letters from XXXX XXXX XXXX XXXX stating that neither of us are on this account. The most recent of these communications to Equifax was XX/XX/XXXX when we were in the process of refinancing our home. We were told that is was resolved and never heard anything back, but then on XX/XX/XXXX we were told that this account is still reporting under my name. 

This account continuing to report on my credit report from Equifax has prevented me from being able to obtain credit as we are trying to get a home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/19 I got a refund from XXXX for XXXX.Looking at my account on! XX/XX/19 the amount was XXXX with the XXXX refund the amount was XXXX.Then the next transaction shows Bank of America taking that money out and it goes back to XXXX on XXXX.On! XX/XX/19 Agoda sent a refund of XXXX to my account.Looking at my account it went from XXXX to XXXX then later on! XX/XX/19 it goes fromXXXX to XXXX.I spoke with a specialist on XX/XX/19 to say Bank of America took my refunds.She went over my account and said the money was there according to Bank of America 's accounting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CONTRACT CALLERS INC
State: CA
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 first submitted a dispute to XXXX, XXXX, XXXX and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from XXXX and XXXX claiming they verified the erroneous reporting on my credit file. I then asked XXXX and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). XXXX and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. XXXX XXXX XXXX just stopped communicating with me. XXXX despite 2 requests NEVER REPLIED ONCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 the company called me with yet a different number. I answered the call and explained to the representative that I have previously spoke to a representative and made arrangements to pay when I can. I let her know that at this point I was feeling harrassed and to please stop calling. She laughed, she said to say that as long as I owe the debt they would continue to call. Well, since that day they have continued to call. They let it ring 2-3 times before hanging up and not leaving a voicemail. They have tried contacting me with various numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am requesting a payment history of our closed mortgage account from XXXX XXXX XXXX. After an very long investigation, we found out that XXXX is reporting very different data to the XXXX credit bureaus. For Transunion the data has been changing still after the closing of the account. It is only reporting XXXX of the XXXX payments that were made. This is separate from reporting the accounts monthly status as good. The account balances to the credit bureaus are not accurate from month to month. The balances are higher than when the loan transferred to them in XXXX of XXXX. At that time the balance was {$190000.00} and after a total of XXXX consecutive payments starting from XX/XX/XXXX through XX/XX/XXXX, the monthly balances reported to the credit bureau 's have been higher than what is reported on the monthly statements. We have disputed this before, but they refuse to correct the wrong data. The main one is the Transunion account. The XXXX XXXX reports shows that out of the XXXX consecutive payments made, XXXX only reported XXXX ( XXXX ) of those XXXX payments that were paid on time Transunion. This action greatly affects the credit score outcome as well as balance history, in that it makes the account report that the balance has not decreased over time. The XXXX account is being used to cripple our credit reporting. We have documented that for the research that was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23
Company: Innovis
State: NY
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:
My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried several times to reach out to Jefferson Capital Sys regarding account # XXXX listed on my credit report. I have sent certified letters to them in XX/XX/XXXX as well as XX/XX/XXXX. I have also made multiple phone calls throughout XXXX requesting for this debt to be validated. I have never received any communication from them regarding this debt or how it can even be disputed. It just showed up on my credit report. If Jefferson Capital can not or refuse to provide me with the requested validation then they must  remove this negative information from ALL credit reporting bureaus including XXXX, XXXX, and XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed.

Company response to consumer: Closed with explanation