BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XXXX XXXX I applied for a product to see if I could use my SSN since I have not used it is since XXXX  when I bought my car.I have been a victim of fraud and identity theft since XXXX XXXX with a change in my identity with my daughters SSN that was given to me back then.After applying for the product on XXXX XXXX I was the only one that had my password to unlock and unfreeze my credit report.On XXXX XXXX my credit report was unlocked, locked.frozen, and unfrozen 6 times which it was not me because I had already applied for the product on XXXX XXXX, so who went into my credit report on XXXX XXXX to do this suspicious activity.On XX/XX/XXXX I contacted Experian about this matter received an email from Experian and the case worker that was handling the case on XXXX agent name was XXXX which XXXX have not received a response from her in this matter case number XXXX XXXX XXXX I called to see why I have not gotten a response from Experian in this matter the agent I spoke with did not get her name she indicated that the system did that on XXXX XXXX, which I know I did not unlock or froze my account on that day because it was already done on XXXX XXXX, when I applied for that product since I had not use my my SSN in about 4 years since I bought my vehicle in XXXX of XXXX means that if it was Experian XXXX means that their is a Data Breach within their system that occurred on XXXX XXXX, which the called I made on XXXX XXXX at XXXX p.m. when the agent indicated that the system had generated that on XXXX XXXX have been through to much with credit bureaus changing my identity within their system without my consent. The agent that is handling the case is XXXX XXXX ext XXXX.The call I made to get in contact with Experian is XXXX XXXX which was made on XXXX XXXX that when the agent stated it was their system that locked, unlocked, froze, and unfroze my credit report on XXXX XXXX I only did it on XXXX XXXXI uploading where I unlocked and froze my credit report on XXXX XXXX and someone or their system as the agent indicate on XXXX XXXX 6 times one is missing on the upload because it was archived.

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 2017-08-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Convergent refuses to cease and desist attempts to collect false debt from XXXX. I have wonderful relationship with XXXX, whom themselves never attempt to contact me about this fraudulent debt. I have sent numerous emails, physical letters, and told them over the phone to stop calling and harassing me and that they are wrongfully contacting me. Supposed debt is well over 7 years old, as well as date the supposed case was opened against me. I do not recognize any information they provide, only responded saying that at one time I had someone wrongfully withdraw money from a paypal account years ago. But that I never defaulted on any purchases etc. Back then the money had to be IN the XXXX account for a purchase to be made so it is impossible I would be able to overcharge a credit card etc.There was a negative report on my credit report from this incident because I was never able to find proper information on the individual in order to bring them to court, they hacked several accounts of mine at the time even finding my address. However this poor mark on my credit has been long removed from all credit bureaus for several years now. Convergent refuses to stop harassing calls and letters, even going as far as contacting previous addresses/phone numbers and family members. Harassing them when asked to stop. I do stay off and on at this old residence often using it as mailing address for packages, but do not own this home nor was this the address I resided at when this dispute was created I lived in XXXX XXXX CA. They also send a statement saying they may post a negative mark on my credit score if I do not submit to their harassment and give them funds. Which considering the dispute is over 7 years old, I find to be wrongfully threatening and deceptive. Being I have spoken on phone, and sent letters mostly..As far as responses from me I only have a copy of the last letter sent to them in which they have already ignored and begun calling family members again. They do state in other letters that they acknowledge I have told them I do not owe them money and do not wish to speak with them yet continue to keep this up, I can find those in storage if necessary.

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 2021-04-16
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has negative record of no child support paid since XXXXXXXX XXXX OAG has requested this to be deleted. I have sent Experian proof of all payments from XXXX I sent Experian a letter from XXXX OAG stating I am current. I have submitted 3 disputes and still unresolved. 

Please 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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The following accounts were never a charge off, I never made a late payment on the accounts ever. 1Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX    XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
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: Account information incorrect

Complaint:
Inspite of many previous requests to XXXX, XXXX, EquiFax XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction in the attachment furthermore EQUIFAX REFUSED TO GIVE ME AN UPDATED CREDIT REPORT AFTER PROVDING GAS BILL AND DMV

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Equifax and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Equifax supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Equifax can take those innacurate inquiries ( XXXX XXXX XX/XX/2022 ) ( XXXX XXXX, XXXX  ) that are hurting my credit score and I cant take a home because EQUIFAX is refusing to remove information that is not mine AND they never responded the register letter I sent to them and they forcing me to provide them with extra information when I feel that after identity theft I can not give them nothing after they had leak for my information already so please help me ask them remove those inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Clear Recovery, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used XXXX XXXX XXXX for medical care. They sent me a bill, and I later paid the bill on their website ( very promptly ). XX/XX/XXXX of this year. 

Later XXXX XXXX XXXX referred my debt to a debt collector, XXXX XXXX ( even though I had already paid XXXX XXXX XXXX. XXXX XXXX 2017 I contacted XXXX XXXX XXXX and they assured me that the debt had been cleared ( XXXX XXXX 2017 ) XXXX XXXX have continue to contact me, and harass me with phone calls for months regarding a debt I never had, asking for payment. I 've tried to reconcile this again with XXXX XXXX XXXX. 

I 've found this very stressful because I 've always paid my bills, and I never should have been referred to a debt collector. I 'm worried how this affects my credit rating.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 30 yrs of having various mortgages and loans, I have NEVER dealt with a more incompetent and inept financial institution. It amazes me that we 're supposed to entrust these XXXX with money. 
Problem started when my loan was sold to them from another mortgage servicer. Lakeview Loan Servicing took over as the servicer of the loan and promptly started charging me an impound fee for insurance despite the fact that they were provided the insurance information for the property. After dealing with this in MULTIPLE phone calls and finally getting the impound cancelled, my next statement showed a late mortgage payment. This was untrue as well and I have records of every pmt made on time. Six months later and after multiple phone calls with CS agents, the late payment and service charge are still not resolved.

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 2022-09-01
Company: EQUIFAX, 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 have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/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 XXXXXXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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 have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/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 : XX/XX/XXXX XXXX : XX/XX/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 non-monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The following companies XXXX XXXX, XXXX, XXXX XXXX XXXX   were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: HI
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:
The following companies XXXX XXXX, XXXX, XXXX XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Franklin Collection Service reported debts to the credit bureaus without notifying me or giving me a chance to verify the debt and/or pay it off. I contacted them concerning this. It happened again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: LA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: HI
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:
The following companies XXXX XXXX, XXXX, XXXX XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

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 2021-04-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a victim of Identity theft and the medical bill is reporting on my credit. The company is Credit Collection Service. The date added to my report is XX/XX/2021.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: 3rd Generation, Inc.
State: NM
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:
On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was zero. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them one bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XX/XX/XXXX. Prior to that, in approximately the beginning of XX/XX/XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me to resolve this issue.

Company response to consumer: Closed with explanation