BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: Convergent Resources, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a dispute letter to XXXX, XXXX, and XXXX. 

The company insist on a debt for a cable service and box and I have had 0 contact with XXXX  or XXXX  in almost a decade. 

Any items in question were delivered back to them and any payments due were made timely and XXXX out. 

Neither XXXX or XXXX  can validate a debt and neither has provided any payment history or debt activity since earlier this decade. 

The false reporting is harming my credit score and I have had no contct with anyone in more than 7 years. 

I have'nt lived at the address where I had XXXX  since 2008.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022 statement for account XXXX had a balance of XXXX that was paid in full BEFORE closing date. The statement shows XXXX balance with no payment due for XX/XX/XXXX. 2022. 

However, the Card was supposedly closed due to fraud on XX/XX/2022. Received a new statement claiming I owe {$6000.00} Im confused as to how the XXXX balance of {$5900.00} jumped to {$6000.00} ( {$84.00} more ) on card ending XXXX ( the NEW CARD ) with a payment of {$15.00} on XX/XX/2022 when the balance on card XXXX was supposedly XXXX as of XX/XX/XXXX and the card closed due to fraud???? 

Ive attached two XXXX STATEMENTS. 
1. Paid in full zero owed on XX/XX/2022 2. A balance of {$6000.00} on the new card for XX/XX/2022. AFTER claiming the account was closed due to fraud And PAID IN FULL!!!! 

In addition, It does not show any purchases or how this additional monies were incurred.

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 2022-06-14
Company: EQUIFAX, INC.
State: NV
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:
Sent letters to all three Credit bureaus XXXX XXXX, XXXX, and Equifax. 
The accounts came back as verified. These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BANK OF AMERICA is reporting a claim on my credit report which is showing as a closed derogatory charge-off with {$600.00} balance, which I believe is inaccurate. 

I've sent two certified letters to the company. The first one was delivered on XX/XX/XXXX- with no reply, no requested documents provided, no validation of the account & did not mark the account as disputed with the credit bureaus with the legal time frame of 30 days, as stated and outlined in the FRCA. 

In my letters I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

The second letter was delivered XX/XX/XXXX, 30+ days after the initial letter requesting yet again proof of validation & to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the debt & the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 
In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account, balance & derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the certified letters I sent to the company, copy of the 2 delivery confirmation receipt, & information/account status being reported by the company to XXXX, XXXX  & XXXX as of XX/XX/2018.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: NV
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:
Sent letters to all three Credit bureaus XXXX XXXX, Experian, and XXXX. 
The accounts came back as verified. These are not my accounts.

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 2021-03-09
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I checked my credit and discovered that this agency says I owe them money for an unpaid debt. This debt should have been paid thru my insurance company XXXX XXXX XXXX. I have XXXX/XXXX  of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX : {$11000.00} XXXX XX/XX/2021

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 2022-06-14
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:
I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Worldwide Processing Group, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THEY ARE CALLING ME EVERY DAY WITH DIFFERENT ROBO CALL # 'S SAYING SHE IS XXXX. THEN SAYING THAT WE NED TO SPEAK WITH YOU IN REGARDS TO YOU WHEREABOUTS. IF WE CAN NOT VERIFY THIS INFORMATION THROUGH YOU THE LAW ALLOWS US TO CONTACT ALL REFERENCES ON FILE. CALL THIS # XXXX CALLED ON XXXX/17 WITH THIS # XXXX, SAME INFO SAME NAME LEFT XXXX, THEY HAVE ALSO CONTACTED MY EX HUSBAND AND LEFT THE SAME MESSAGES. 

I NEED TO KNOW WHAT I CAN DO TO HAVE THE STOP CALLING THEY ARE A SCAM. I GET A FEW OTHERS LIKE THIS TOO, WHICH I AM GOING TO GO BACK A FILE LIKE THIS ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It was brought to my attention a few weeks ago that i had an account in collections. I contacted XXXX XXXX that same day to see why they were reporting that I was in collections. I was hesitant to give them my personal information because of all the scamming going on.I gave them my name and nothing came up.I then gave them my address and got the same results ... .nothing.I gave them only my last four of my ssn and they found it.I then discovered why they could n't find me, all the info they had was incorrect except for my ssn.I told them i wanted it disputed right away. I was told to was 60 days for a response.I cant wait that long, its ruining my perfect credit. I 've call every week since and still no updates.They just hang up when I ask to speak to a supervisor!!!!!!

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX. in XXXX Illinois keeps reporting this account to the credit bureau. It has been removed once and has now reappeared on my credit bureau. Please remove this from the bureau. 

This is a medical bill that they collected the co-pay for and informed me that the XXXX was covered by my insurance. Now they are coming back trying to collect an additional XXXX. 

I do not owe this amount.

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 2017-09-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had been a customer of American Express Since XX/XX/XXXX. The last few years I epay my account through XXXX XXXX. I always pay the account in full. On my statement with the closing date of XX/XX/XXXX I was charged a {$27.00} late fee and {$16.00} in interest for a mistake that American Express made not XXXX XXXX who they tried to blame. The next month there was another {$14.00} in interest charges even though I pay in full. It took numerous phone calls to get those charges reversed mind you through no fault of my own. Yesterday I opened my new bill with closing date ofXX/XX/XXXX and saw {$9.00} interest charge. This is because instead of entering the balance of {$3500.00} in epay I entered {$3500.00} which is XXXX dollar short. I called XXXX to see if this could be resolved. {$9.00} for {$1.00} error plus the additional interest that would be charged next month. They would not do it so I closed my account easy enough. The female rep stated there were {$150.00} in reward points that would be credited to the final bill. Now XXXX through online chat is stating per the agreement no way am I getting the rewards. Really {$9.00} plus for a {$1.00} mistake. Nothing for their mistake and now they are cheating a once loyal customer out of their rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, 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 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 XXXXXX/XX/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 15 U.S.C S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing pf consumer reports to the purposes listed under section 604 ( s 1681b ) collection agencies also have violated my rights by contacting me during my working hours and call me from different numbers. attached will be proof of said violations. 

All 3 credit bureaus have incorrect my name, birthdate and address. I have send certified mail back in XX/XX/XXXX with updated and correct spelling of my name, my correct birthdate and my correct address. Also, sent was my copy of Social Security card, my updated license with my new address. I asked for an investigation none of the 3 reporting agencies replied nor updated my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: IL
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.

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 2022-06-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX, XXXX. : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: KS
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:
I am part of the Equifax data hack. I have tried to call and put fraud alerts on my accounts, I was then directed to a website and that would be fine, except the websites are not working due to high volumes. I tried at all 3 of the credit bureaus. 

I also tried to freeze my credit with Equifax and was directed to the online page, only to be told I have to handle it by mail or the page was n't working at all. I am very frustrated that I am left to deal with a mistake that was made by Equifax and ca n't get anyone to help me put a process in place to protect myself. It is not possible to get through to anyone at Equifax who can actually help you with any of these additional measures. I would like Equifax to pay to put a freeze on my credit for the next year, so I can try and keep my identity safe. 

As a consumer, I understand accidents happen, but I also expect a company to do everything in their power to correct it ... ..I do n't feel any of the individual victims have been given the kind of customer service we deserve and I do n't feel we should have to pay additional money for an Equifax mistake .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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 Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2021-07-24
Company: EQUIFAX, 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 sent letters to have items verified to the credit bureaus and have not received a response. Letters were sent on XX/XX/2021 and items have not been verified or removed. Items have been listed as investigated, and has dropped my credit score but I have not received any notification electronically or by mail with an explanation. I have sent more letters on XX/XX/2021. I am looking to become a homeowner and this is really hurting my chances and hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the XX/XX/2021 one I received a spoofed phone call from XXXX XXXX at XXXX PM MST this phone call was a very professional act of fraud completely imitating the XXXX XXXX fraud detection phone call that I have received in the past and made me believe my Zelle was being XXXX therefore I followed through and ended up getting scammed into sending money forward to another person using my own phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: DISCOVER BANK
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 information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

DISCOVER FIN SVCS LLC # XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief