BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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: 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2020-02-15
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
I sent an email to convergent outsourcing but recieved no response. I paid the account off last year and it was updated to paid with XXXX balance. The problem is the date of first delequincy is completely wrong by almost 2 years. Convergent outsourcing has date as XX/XX/XXXX when in fact it should be XX/XX/XXXX. I will submit to cfpb the proff of this.

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 2017-08-30
Company: Experian Information Solutions Inc.
State: CO
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 XXXX is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XX/XX/2016. XXXX has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX. This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from 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 2022-08-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/22 through XX/XX/22 17 charges for {$95.00} had been made to my card.I did not make these charges or authorize them in any way. It is impossible to get connected with comenity bank at the number on the statement. XXXX. I have called multiple times and can not get an answer. It just disconnects.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-15
Company: Innovis
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:
My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXXl is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XXXX/XXXX/2016. Ally has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-02-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Carrington Mortgage services reported me late for XX/XX/2020. I sent the regular payment on time. They called that the payment had changed due to escrow changes. I paid the difference over the phone. A consumer can not be reported late due to escrow changes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Victim of identity 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 2022-08-16
Company: EQUIFAX, INC.
State: NV
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 recently requested the credit bureau do a verification of accuracy on a few accounts. they completed the investigation and stated the information was accurate. I decided to do a thorough research and found improper inaccuracies after their investigation. In accordance with the FCRA these creditors have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SEC 602 A. States I have the right to privacy 15 U.S.C 1681 SEC 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I made a total of 5 phone calls to Ally Bank. Totally unresolved and calls can take hours. I have 2 CDs with Ally. I was successful on Call # 1 and received all of my accrued and paid interest on the 2 CD 's. The interest accrued but not paid on both cd 's required a 2nd call ( I made the mistake of having the interest paid annually. ) Call # 2 resulted in success on one of my CD 's and I was told to hold on until it was finished. Unfortunately, after being on the phone for an hour, my phone battery died. 3 calls later resulted in long times waiting for the resolution. I have to also state numerous messages sent to Ally resulted in no success. Those people can't even read. 

The last 4 numbers of my CD are XXXX. There is approximately {$880.00} of accrued interest but not yet paid sitting on it. I wanted this interest transferred to my XXXX ending in XXXX. 

Therefore, I am hoping that you can intercede and help me with Ally Bank. At times like this I wonder about their solvency if they won't give me my accrued interest as requested.

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 2017-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I OPENED AN ONLINE CHECKING ACCOUNT WITH CAPITAL ONE, I PUT MY SON WHO IS A  XXXX  VET DOWN AS CO-ACCOUNT HOLDER I GAVE CAPITAL ONE HIS ADDRESS SOCIAL SECURITY NUMBER AND ALL ITEMS TO HIS I.D . I DEPOSITED A CHECK FROM NY STATE REFUND THEY ENDORSED THE CHECK. MY SON IS HOSPITALIZED AT A VETERAN HOSPITAL IN NY  .CAPITAL ONE FROZ E MY ACCOUNT AS I AM THE PRIMARY HOLDER. UNTIL THEY CAN SPEAKE WITH MY SON MIND YOU THE CHECK IS IN MY NAME  XXXX   XXXX , I 'VE TALKED TO MANY A CAPITAL REP 'S THE SAME OLD SHUFFLE.I TOLD  XXXX  MY SON IS IN A  VETERANS HOSPITAL WE RE NO PHONES ARE ALOWWED AND THAT I 'M WHELL CHAIRED BOUND THE Y DID NOT CARE .THIS H AS BEEN ON GOING FOR SOME DAY ' S .I TOLD CAPITAL ONE SE ND THE MONEY BACK TO THE STATE OF NY THEY SAID THEY WOULD NOT, SO THEY JUST GOING TO KEEP MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: ECMC GROUP, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ECMC {$8100.00}

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 2020-02-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citibank reduced the limit on my credit cards, capping them at the current balance, without letting me know in a timely manner. They did this based on erroneous information reported and being corrected by XXXX XXXX. By reducing the limit to the outstanding balance this further aggravated my credit score and history damaging my reputation. I tried having this fixed on the phone and was not assisted. This was done without first speaking or writing to me to inquire on whether this was error. 

Clearly they took this aggressive and action de to my XXXX last name. Very racist and unprofessional of 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 2017-04-19
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I 've had a home equity loan w ith BB & T for abou t 13 years and a few month ago I converted the home equity line to a regular term loan. About 60 days after this transaction I checked my credit report and found th at BB & T was rep orting the home equity line as closed but the outstanding amount was still showing in my revolving credit as debt. In this same credit report the term loan was also showing up with an the appropriate outstanding balance. I contacted the the credit bureau and filed a dispu te. BB & T res ponded and said that because the revolving loan and the term loan had the same account number that it was reporting correctly.   My concern is that my debt ratios are being impacted twice by the same loan. I explain ed to BB & T t hat the reporting of the revolving loan being closed is correct, but they need to  XXXX  out the outstanding balance. Given that this is the same balance that is reflected in the term loan the credit bureau is counting the same dollars twice. Please note this account is current and has never been late.

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 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank  of America allo wed an account to be fraudulently opened using my personal identifying information without my authorization or knowledge in another state. I contacted B ank of America  and informed them of this to which they replied the account had been closed but my personal information including drivers license, social security number, name, and date of birth are being retained in their " black list, '' and as such I am unable to open an account with them, even though it was confirmed fraud and the account was opened without my knowledge.

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 2020-02-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX   XXXX XXXX, XXXX  Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX I XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
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:
My payments to carrinton mortgage was on time XX/XX/XXXX and XX/XX/XXXX. XXXX I sent the regular payment on time XX/XX/XXXX for XX/XX/XXXX. The escrow changed in XXXX and they called me. I made the difference over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company Violated a Court Order to return seize assets

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not responsible for this account. I don't even have a contract with this. I have already contested this account, and you have not shown any evidence that it belongs to me. This is not my work. This is deceptive and could hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has taken my work number off of my co-signer release requested and continued to call my job to collect student loan payments. Further, navient has called my work and home phone number to harassing extents. Navient has incorrectly written payment reversals on my account to put my loan in default despite the money being debited from my account, and mislead me to believe a co-signer could be relieved. I submitted a co-signer release request which was denied despite having years of payments and sufficient income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: The Savings Group, Inc.
State: AZ
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:
On XX/XX/2022 I clicked one button to view offers ( as it claimed ) to see new auto-rates through XXXX, I made sure that in the title that It didnt say it would do a hard inquiry. I pressed one button & it prompted me to fill out a form which then I proceeded to back out of because it didnt show me rates right away. Then I got 5 or 6 hard inquiries with the source being Rategenious & I DID NOT approve nor give consent to the company to do any further digging into my account or share my personal information. 
I contacted XXXX 3 times & each time they said to contact the individual companies. I did & the rategenious supervisor said to file a police report because thats the only way they will remove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation